Document:

Exhibit 10.1

[counsel for the Parties are
identified 

on the signature pages of this document] 

	
  

 	
  

 	
  

 
	
  

 	
 IN THE UNITED
 STATES DISTRICT COURT 

 FOR THE DISTRICT OF IDAHO

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
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 UNITED STATES OF AMERICA,

 	
  

 	
 )

 	
  

 
	
  

 	
  

 	
 )

 	
  

 
	
  

 	
 Plaintiff,

 	
  

 	
 )

 	
  

 
	
  

 	
  

 	
  

 	
 )

 	
 No. 96-0122-N-EJL

 
	
 v.   

 	
  

 	
  

 	
 )

 	
 No. 91-0342-N-EJL

 
	
  

 	
  

 	
  

 	
 )

 	
 No. 94-0206-N-HLR

 
	
 HECLA LIMITED, a Delaware Corporation,

 	
  

 	
 )

 	
  

 
	
  

 	
  

 	
  

 	
 )

 	
 CONSENT DECREE

 
	
  

 	
 Defendant.

 	
  

 	
 )

 	
  

 
	
  

 	
  

 	
 )

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 )

 	
  

 
	
 and CONSOLIDATED CASES.

 	
  

 	
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 )

 	
  

 

Table of Contents

	
  

 	
  

 	
  

 
	
 I. BACKGROUND

 	
  

 	
 1

 
	
  

 	
  

 	
  

 
	
 II. JURISDICTION

 	
  

 	
 4

 
	
  

 	
  

 	
  

 
	
 III. PARTIES BOUND

 	
  

 	
 4

 
	
  

 	
  

 	
  

 
	
 IV. DEFINITIONS

 	
  

 	
 4

 
	
  

 	
  

 	
  

 
	
 V. STATEMENT OF PURPOSE

 	
  

 	
 10

 
	
  

 	
  

 	
  

 
	
 VI. PAYMENTS, DELIVERIES AND GUARANTEES

 	
  

 	
 10

 
	
  

 	
  

 	
  

 
	
 VII. EXCESS RECOVERIES UNDER INSURANCE POLICIES

 	
  

 	
 20

 
	
  

 	
  

 	
  

 
	
 VIII. CESSATION OF DISCHARGES FROM LUCKY FRIDAY
 TAILINGS POND 1

 	
  

 	
 20

 
	
  

 	
  

 	
  

 
	
 IX. FAILURE TO COMPLY WITH CONSENT DECREE

 	
  

 	
 21

 
	
  

 	
  

 	
  

 
	
 X. COVENANTS NOT TO SUE AND RESERVATIONS OF RIGHTS BY THE UNITED STATES

 	
  

 	
 23

 
	
  

 	
  

 	
  

 
	
 XI. COVENANTS NOT TO SUE AND RESERVATIONS OF RIGHTS BY
 THE TRIBE

 	
  

 	
 27

 
	
  

 	
  

 	
  

 
	
 XII. COVENANTS NOT TO SUE AND RESERVATIONS OF RIGHTS BY
 THE STATE

 	
  

 	
 31

 
	
  

 	
  

 	
  

 
	
 XIII. COVENANTS NOT TO SUE BY SETTLING COMPANIES

 	
  

 	
 34

 
	
  

 	
  

 	
  

 
	
 XIV. COVENANTS NOT TO SUE AMONG PLAINTIFFS

 	
  

 	
 35

 
	
  

 	
  

 	
  

 
	
 XV. EFFECT OF SETTLEMENT/CONTRIBUTION

 	
  

 	
 36

 
	
  

 	
  

 	
  

 
	
 XVI. EFFECT UPON PRIOR SETTLEMENTS AND AGREEMENTS

 	
  

 	
 38

 
	
  

 	
  

 	
  

 
	
 XVII. NOTICE TO SUCCESSORS-IN-TITLE AND TRANSFERS OF REAL
 PROPERTY

 	
  

 	
 39

 
	
  

 	
  

 	
  

 
	
 XVIII. ACCESS AND INSTITUTIONAL CONTROLS

 	
  

 	
 40

 
	
  

 	
  

 	
  

 
	
 XIX. ACCESS TO INFORMATION

 	
  

 	
 43

 
	
  

 	
  

 	
  

 
	
 XX. PROTOCOL FOR COORDINATING SETTLING COMPANIES’ MINING
 OPERATIONS WITH EPA’S REMEDIAL ACTIONS

 	
  

 	
 44

 

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Table of Contents (Cont.)

	
  

 	
  

 	
  

 
	
 XXI.
 RETENTION OF RECORDS AND CERTIFICATIONS

 	
  

 	
 45

 
	
  

 	
  

 	
  

 
	
 XXII.
 DISPUTE RESOLUTION

 	
  

 	
 46

 
	
  

 	
  

 	
  

 
	
 XXIII.
 NOTICES AND SUBMISSIONS

 	
  

 	
 50

 
	
  

 	
  

 	
  

 
	
 XXIV.
 RETENTION OF JURISDICTION

 	
  

 	
 52

 
	
  

 	
  

 	
  

 
	
 XXV.
 INTEGRATION/APPENDICES

 	
  

 	
 52

 
	
  

 	
  

 	
  

 
	
 XXVI.
 MODIFICATION

 	
  

 	
 53

 
	
  

 	
  

 	
  

 
	
 XXVII.
 LODGING AND OPPORTUNITY FOR PUBLIC COMMENT

 	
  

 	
 53

 
	
  

 	
  

 	
  

 
	
 XXVIII.
 SIGNATORIES/SERVICE

 	
  

 	
 53

 
	
  

 	
  

 	
  

 
	
 XXIX. FINAL
 JUDGMENT

 	
  

 	
 54

 

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I.     BACKGROUND

          A.     In
1983, the United States Environmental Protection Agency (“EPA”) placed the
Bunker Hill Mining and Metallurgical Complex Superfund Site on the National
Priorities List (“NPL”) pursuant to 42 U.S.C. § 9605. 

          B.     In
1991, the Coeur d’Alene Tribe of Idaho (“Tribe”) filed a complaint in this
matter pursuant to Section 107 of CERCLA, 42 U.S.C. § 9607, seeking natural
resource damages with respect to the Site.

          C.     In
1994, the United States and the State of Idaho (“State”) filed actions for
response costs against numerous defendants, including some of the Settling
Companies as defined herein, for a discrete portion of the Site referred to as
“the Box,” which were settled in a Consent Decree entered by the United States
District Court for the District of Idaho on November 17, 1994 in case number CV-94-206-N-EJL.

          D.     In
1996, the United States of America (“United States”), on behalf of the
Administrator of EPA, the Secretary of the United States Department of the
Interior, and the Secretary of the United States Department of Agriculture,
filed a complaint in this matter pursuant to Section 107 of the Comprehensive
Environmental Response, Compensation, and Liability Act of 1980, 42 U.S.C. §
9607, as amended (“CERCLA”), and Section 311 of the Clean Water Act (“CWA”), 33
U.S.C. § 1321, seeking natural resource damages and reimbursement of response
costs incurred or to be incurred for response actions taken or to be taken at
or in connection with the release or threatened release of hazardous substances
at the Bunker Hill Mining and Metallurgical Complex Superfund Site. The
complaint also seeks declaratory relief on the recoverability of future
response costs related to the Site. Also in 1996, Hecla Limited filed a
Counterclaim and First Amended Counterclaims against the United States.

          E.     Concurrently
with the lodging of this Consent Decree, the State has filed an unopposed
motion to intervene and a proposed complaint in intervention in this matter in
the United States District Court pursuant to Section 107 of CERCLA, 42 U.S.C. §
9607, Idaho Code Section 39-101 et seq., and Idaho Code Section 39-4401 et
seq., seeking reimbursement of response costs and natural resource damages
with respect to the Site.

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          F.     This
Court has previously ruled that Hecla Mining Company (now Hecla Limited), one
of the Settling Companies (as defined below), is liable to the United States
for response costs under CERCLA Section 107 and to the Trustees for natural
resource damages under CERCLA Section 107 and CWA Section 311, although the Court
has not ruled on the dollar value of any judgment for either response costs or
natural resource damages. See Coeur d’Alene Tribe v. Asarco Inc., 280 F.
Supp. 2d 1094 (D. Idaho 2003) and Coeur d’Alene Tribe v. Asarco Inc.,
471 F. Supp. 2d 1063 (D. Idaho 2005).

          G.     As
a result of the release of hazardous substances at or from the Site, natural
resources for which the United States, the Tribe, and the State are trustees
under CERCLA and the CWA have been injured. The Trustees (as defined below)
have expended funds to assess injuries to natural resources and to restore,
replace, or acquire the equivalent of injured natural resources. The Trustees
will in the future expend additional funds to restore, replace, or acquire the
equivalent of injured natural resources.

          H.     In
response to the release or threatened release of hazardous substances at or
from the Site, EPA has undertaken substantial response actions at the Site
pursuant to Section 104 of CERCLA, 42 U.S.C. § 9604, and will undertake
additional substantial response actions in the future. In connection with these
response actions, EPA has and will incur substantial response costs at the
Site. The State also has undertaken, and will in the future undertake, response
actions at the Site. In addition, in the future the Tribe may incur substantial
response costs at the Site.

          I.     The
response actions that EPA intends to take at the Site include addressing
discharges from a number of inactive mine adits, portals, tunnels, shafts, and
seeps (collectively referred to as “Features”). These Features are identified
by the BLM Source Code locations included in Focused Feasibility Alternative 3+
in the July 2010 Final Draft Focused Feasibility Study Report for the Upper
Basin ROD Amendment (“Focused Feasibility Study Alternative 3+”), plus the
Hecla shaft, which is part of the Hecla-Star Complex (BUR 128). EPA’s July 2010
Proposed Plan for the Upper Coeur d’Alene Basin and Box contemplates that the
discharges from these Features, at a minimum, will be addressed as part of
EPA’s response actions over time under the Superfund program. Based on its
current understanding of surface water conditions at the Site, EPA currently
has no plans to select and implement additional response actions for Features
that 

-2-

were not identified in Focused
Feasibility Study Alternative 3+ or the Proposed Plan; however, EPA may in the
future plan for and implement additional response actions at additional
Features in the Site.

          J.     In
February 1994, the United States, the State, Hecla Limited (formerly Hecla
Mining Company), and other parties entered into the Box Consent Decree (as
defined below) to address certain cleanup activities in certain areas of the
Site within the 7-mile by 3-mile area of the Site known as the “Box,”
approximately centered on Kellogg, Idaho. 

          K.     In
accordance with Section 122(g)(7) of CERCLA, the United States has reviewed the
Financial Information submitted by Settling Companies to determine whether they
have a limited ability to pay natural resource damages and response costs
incurred and to be incurred at the Bunker Hill Mining and Metallurgical Complex
Superfund Site, taking into consideration the ability of Settling Companies to
pay response costs and natural resource damages and still maintain and develop
their business operations, including their overall financial condition and the
effect of payments required by this Consent Decree on their ability to raise
revenues. In addition, the United States has reviewed disclosures submitted by
Settling Companies to the Securities and Exchange Commission (SEC). Based upon
this Financial Information and the SEC disclosures, the United States has
determined that Settling Companies qualify for a reduction in settlement amount
and/or an alternative payment method within the meaning of Section 122(g)(7) of
CERCLA, 42 U.S.C. § 9622(g)(7), and are able to make the payments specified in
Section VI. The Tribe and the State concur with this determination.

          L.     Settling
Companies do not admit any liability to Plaintiffs or any third party arising
out of the transactions or occurrences alleged in the complaints, nor do they
acknowledge that any release or threatened release of hazardous substances at
or from the Site constitutes an imminent and substantial endangerment to the
public health or welfare or the environment. This Consent Decree shall be
admissible in any action to interpret, enforce or modify this Consent Decree or
in any action authorized under the reservations of rights in Sections X, XI,
and XII, but it shall not be admissible in any judicial or administrative
proceeding against Settling Companies, over their objection, as proof of
liability or an admission of any fact dealt with herein. 

-3-

          M.     The
United States, the Tribe, the State, and Settling Companies agree, and this
Court by entering this Consent Decree finds, that this Consent Decree has been
negotiated by the Parties in good faith, that settlement of this matter will
resolve years of prolonged and complicated litigation between the Parties, and
that this Consent Decree is fair, reasonable, and in the public interest.

       NOW,
THEREFORE, it is hereby ORDERED, ADJUDGED and DECREED:

	
  

 
	
 II. JURISDICTION

 
	
  

 
	
           1.          This
Court has jurisdiction over the subject matter of this action pursuant to 28
U.S.C. §§ 1331, 1345, 1355, 1362, and 1367; 33 U.S.C. § 1321(n); and 42 U.S.C.
§§ 9607 and 9613(b), and also has personal jurisdiction over Settling
Companies. Solely for the purposes of this Consent Decree and the underlying
complaints, Settling Companies waive all objections and defenses that they may
have to jurisdiction of the Court or to venue in this District. Settling
Companies shall not challenge entry or the terms of this Consent Decree or this
Court’s jurisdiction to enter and enforce this Consent Decree.

 
	
  

 
	
 III. PARTIES
 BOUND

 
	
  

 
	
           2.          This
 Consent Decree is binding upon the United States, the Tribe, the State, and
 upon Settling Companies and their successors and assigns. Any change in
 ownership or corporate or other legal status, including, but not limited to,
 any transfer of assets or real or personal property, shall in no way alter
 the status or responsibilities of Settling Companies under this Consent Decree.

 
	
  

 
	
 IV. DEFINITIONS

 
	
  

 
	
           3.          Unless
 otherwise expressly provided in this Consent Decree, terms used in this
 Consent Decree that are defined in CERCLA or in regulations promulgated under
 CERCLA shall have the meaning assigned to them in CERCLA or in such
 regulations. Terms defined in this Section in the plural may also be used in
 a singular form. Whenever terms listed below are used in this Consent Decree,
 including in any appendix attached hereto, the following definitions shall
 apply:

 
	
  

 
	
         “Active
 Mining Operations” shall mean, after the Lodging Date, activities, including
 construction activities, related to the extraction, removal or recovery, and
 beneficiation of metal ore in commercial quantities, and thereby excludes
 Exploration Operations.

 

-4-

          “Active
Operations” shall mean, after the Lodging Date, all Active Mining Operations
and all business, commercial or industrial activities of any kind other than
Exploration Operations. 

          “Box
Consent Decree” shall mean the consent decree entered on November 18, 1994 in United States, et al. v. Asarco, Inc., et al., Civ.
No. 94-0206-N-HLR, to which Hecla Limited (formerly Hecla Mining Company) is a
party. 

          “Bunker
Hill Mining and Metallurgical Complex Superfund Site Special Account” shall
mean the special account, within the EPA Hazardous Substances Superfund,
established for the Bunker Hill Mining and Metallurgical Complex Superfund Site
by EPA pursuant to Section 122(b)(3) of CERCLA, 42 U.S.C. § 9622(b)(3). 

          “CAA”
shall mean the Clean Air Act, 42 U.S.C. §§ 7401 et seq. 

          “CERCLA”
shall mean the Comprehensive Environmental Response, Compensation, and
Liability Act of 1980, as amended, 42 U.S.C. § 9601, et seq. 

          “Coeur
d’Alene Basin Natural Resource Trustee Account” shall mean the DOI Restoration
Fund NRDAR Account 14X5198. 

          “Consent
Decree” shall mean this Consent Decree and all appendices attached hereto. In
the event of conflict between this Consent Decree and any appendix, this
Consent Decree shall control. 

          “CWA”
shall mean the Clean Water Act, 33 U.S.C. §§ 1251 et seq. 

          The
term “day” shall mean a calendar day. In computing any period of time under
this Consent Decree, where the last day would fall on a Saturday, Sunday, or
federal holiday, the period shall run until the close of business of the next
working day. 

          “DOI
Account For Receiving Stock For The Trustees” shall mean the following account:

	
  

 	
  

 
	
  

 	
 Merrill
 Lynch: 

 
	
  

 	
 For Federal
 Book Entry Securities: 

 
	
  

 	
 ABA#021000018
 

 
	
  

 	
 BK of
 NYC/MLGOV 

 
	
  

 	
 Further
 Credit to the US Department of the Interior 

 
	
  

 	
 Account
 Number: 78L-09001 

 

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“DOJ” shall mean the United States Department of Justice and any successor
departments, agencies or instrumentalities of the United States. 

          “Effective
Date” shall be the date upon which this Consent Decree is entered by the Court
as recorded on the Court docket, or, if the Court instead issues an order
approving the Consent Decree, the date such order is recorded on the Court
docket. 

          “Environmental
Covenant” shall mean a recordable instrument under the Idaho Uniform
Environmental Covenants Act, as amended, in the form of the document attached
as Appendix A and including any site specific conditions selected by EPA, after
consultation with the Idaho Department of Environmental Quality, necessary to
ensure the protectiveness of any remedy implemented on the property. 

          “EPA”
shall mean the United States Environmental Protection Agency and any successor
departments, agencies or instrumentalities of the United States. 

          “EPA
Account For Receiving Stock” shall mean the following account: 

	
  

 	
  

 
	
  

 	
 Merrill
 Lynch: 

 
	
  

 	
 DTC#: 5198
 Merrill Lynch 

 
	
  

 	
 Account
 Name: U.S. Department of the Treasury 

 
	
  

 	
 Further Credit
 to the United States Environmental Protection Agency 

 
	
  

 	
 Account#:
 78L-09000 

 

          “EPA
Hazardous Substance Superfund” shall mean the Hazardous Substance Superfund
established by the Internal Revenue Code, 26 U.S.C. § 9507. 

          “Exploration
Operations” shall mean activities, after the Lodging Date, performed on the
surface of lands or underground to locate mineral bodies and to determine the
mineability and merchantability thereof, and which are conducted in conformance
with the requirements of the Protocol in Appendix B. These activities include,
but are not limited to, construction of roads or other accesses, trenches, and
drilling. 

          “Federal
Land Management Agencies” shall mean the United States Bureau of Land
Management and the United States Forest Service. 

          “Federal
Lands” shall mean federal lands within the Site, including but not limited to
lands that are subject to unpatented mining claims. 

          “Financial
Information” shall mean those financial documents provided by David Sienko, on
behalf of Settling Companies to Patrick Casey, on behalf of Plaintiffs, on July
15, 2010, July 26, 

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2010, and
August 4, 2010, pursuant to the Protective Order entered by this Court on May 29, 2008. 

          “Forward-Looking
Information” is that Financial Information provided by Settling Companies to
the Plaintiffs which consists of variable projections and estimates of future
metals prices and of the Settling Companies’ future performance that may not be
accurate predictors of any actual outcome. 

          “Fractional
Interest Property” shall mean any real property within the Site where one or
more of the Settling Companies own less than one hundred percent (100%) of the
interest in the real property as a tenant in common or a joint tenant and one
or more persons or entities who or which are not Settling Companies own the
remaining interest in the real property. 

          “Governors
Trust Fund” shall mean that certain trust fund established by the State of
Idaho and attached to the Box Consent Decree as attachment M. 

          “Hecla
Limited” shall mean Hecla Limited, a Delaware corporation. 

          “Hecla
Mining Company” shall mean Hecla Mining Company, a Delaware corporation. 

          “Hecla-Star
Complex” shall mean the real property and other interests depicted in Appendix
C and related current and future facilities located in or on said property. 

          “IDAPA”
shall mean the official publication of the Administrative Rules of the State of
Idaho as required by the Idaho Administrative Procedures Act. 

          “Institutional
Controls” shall mean any applicable laws, regulations, ordinances, zoning
restrictions, or other governmental controls or notices that: (a) limit land,
water and/or resource use to minimize potential for human exposure to Waste
Materials at the Site; (b) limit land, water and/or resource use to implement,
ensure non-interference with, or ensure the protectiveness of any response
action at the Site; and/or (c) provide information intended to modify or guide
human behavior in response to risks posed by Waste Materials at the Site. 

          “Insurance
Information” shall mean those insurance documents included in Appendix D. 

          “Interest”
shall mean interest at the rate specified for interest on investments of the
EPA Hazardous Substance Superfund established by 26 U.S.C. § 9507, compounded
annually on October 1 of each year, in accordance with 42 U.S.C. § 9607(a). The
applicable rate of interest shall be the rate in effect
at the time the interest accrues. The rate of interest is subject to change on
October 1 of each year. 

-7-

          “Lodging
Date” shall mean the date on which this Consent Decree is lodged with the
Court. 

          “Lucky
Friday Active Area” shall mean the real property and other interests depicted
in Appendix E and related current and future facilities located in or on said
property. 

          
“Natural Resource Trustees,” or “Trustees,” shall mean the United States
Department of the Interior, the United States Department of Agriculture
(including the United States Forest Service), the Tribe, and the State. 

          “Paragraph”
shall mean a portion of this Consent Decree identified by an Arabic numeral or
an upper or lower case letter.

          “Parties”
shall mean the United States, the Coeur d’Alene Tribe, the State of Idaho, and
Settling Companies. 

          “Performing
Parties” shall mean the United States, the State, the ASARCO Trust, and
potentially responsible parties who have entered into or may enter into an
agreement with the United States or the State for performance of response
actions at the Site. 

          “Plaintiffs”
shall mean the United States, the Coeur d’Alene Tribe, and the State of Idaho. 

          “Pre-Lodging
Interest” shall mean interest calculated at an annual rate of 3.25% on the sum
$197.5 million, from April 15, 2011, through the Lodging Date, if the Lodging
Date is after April 15, 2011. 

          “Proprietary
Controls” shall mean: (1) easements or covenants running with the land that
limit land, water use, or resource use and/or provide access rights; and (2)
are created pursuant to common law or statutory law by an instrument that is
recorded by the owner in the appropriate land records office. 

          “Protocol”
shall mean the document attached as Appendix B. 

          “RCRA”
shall mean the Solid Waste Disposal Act, 42 U.S.C. § 6901, et seq. (also known as the Resource
Conservation and Recovery Act). 

          “Section”
shall mean a portion of this Consent Decree identified by a Roman numeral. 

          “Settling
Companies” (or “Settling Company” in the singular) shall mean Hecla Mining
Company, Hecla Limited, Hecla Silver Valley, Inc., Silver Hunter Mining Company
and HLT, Inc. “Settling Companies” also shall include successors and assigns to
the Settling Companies to the 

-8-

extent that
their liability, if any, arises solely from their status as successors or
assigns to a Settling Company. 

          “Site”
shall mean the Bunker Hill Mining and Metallurgical Complex Superfund Site,
which is generally located in the Coeur d’Alene Basin watershed in Idaho,
including, without limitation, the South Fork of the Coeur d’Alene River
(“South Fork”) and its tributaries, the 7-mile by 3-mile area known as “the
Box,” the mainstem of the Coeur d’Alene River downstream of the confluence of
the South Fork and the North Fork of the Coeur d’Alene River (“North Fork”),
Lake Coeur d’Alene, and the Spokane River upstream of Upriver Dam, and those
other areas where Waste Material originating from facilities on the South Fork
and its tributaries have come to be located. The Lucky Friday Active Area, as
depicted in Appendix E, the two properties owned by Hecla Limited that are
identified in Appendix F, and the North Fork, including all tributaries of the
North Fork, are excluded from the “Site” for purposes of this Consent Decree.
The exclusion of the Lucky Friday Active Area from the “Site” for purposes of
this Consent Decree does not exclude the Lucky Friday Active Area from the Bunker
Hill Mining and Metallurgical Complex Superfund Site as listed by EPA on the
National Priorities List on September 3, 1983. 48 Fed.Reg. 40,658, 40,670 (Sept. 8, 1983). 

          “State”
shall mean the State of Idaho. 

          “Star
Tailings Ponds” shall mean the tailings impoundments (Nos. 1-6) and related
facilities located proximate to Woodland Park in the Canyon Creek drainage, as
depicted in Appendix G. 

          “Transfer”
shall mean to sell, assign, convey or lease, or where used as a noun, a sale,
assignment, conveyance, or any other disposition of any interest by operation
of law or otherwise. Transfer shall not include (i) the granting of a security
interest, pledge or mortgage of any interest except when the holder of any such
interest forecloses or otherwise exercises its right to take both equitable and
legal title to the interest, (ii) the transfer of any interest in a Fractional
Interest Property, or (iii) a transfer from one Settling Company to another
Settling Company. 

          “Tribe”
shall mean the federally-recognized Indian tribe known as the Coeur d’Alene
Tribe, including its departments, agencies, and instrumentalities. The Tribe,
which has a governing Tribal Constitution and Tribal Council duly recognized by
the Secretary of the Interior, is an “Indian tribe” within the meaning of
Section 101(36) of CERCLA, 42 U.S.C. § 9601(36). 

-9-

          “United
States” shall mean the United States of America and each department, agency,
and instrumentality of the United States. 

          “Waste
Material” shall mean (1) any hazardous substance under Section 101(14) of
CERCLA, 42 U.S.C. § 9601(14) or under Section 311(a)(14) of the CWA, 33 U.S.C.
§ 1321(a)(14); (2) any pollutant or contaminant under Section 101(33) of
CERCLA, 42 U.S.C. § 9601(33); (3) any “solid waste” under Section 1004(27) of
RCRA, 42 U.S.C. § 6903(27); (4) any pollutant under Section 502(6) of the CWA,
33 U.S.C. § 1362(6); (5) hazardous wastes as defined in the Idaho Hazardous
Waste Management Act, Idaho Code 39-4403(8); (6) “pollutants” as defined in
IDAPA 58.01.02.010.78; (7) “contaminants” as defined in IDAPA 58.01.11.007.10;
(8) “hazardous materials” as defined in IDAPA 58.01.02.010.44; or (9)
“deleterious materials” as defined in IDAPA 58.01.02.010.19. 

V. STATEMENT OF PURPOSE

          4.          By
entering into this Consent Decree, the primary mutual objectives of the Parties
are: for Settling Companies to make the payments, deliveries, and guarantees in
Section VI to resolve their civil liability at the Site, as provided in the
Covenants Not to Sue, and subject to the Reservations of Rights, in Sections X,
XI, and XII; to fully satisfy and resolve any remaining liability of any of the
Settling Companies under the Box Consent Decree; to provide for Access and Institutional
Controls as set forth in Section XVIII; to resolve other claims as set forth in
Sections XIII, XIV, and XVI; and to establish a protocol for coordinating
Settling Companies’ future mining-related activities with activities authorized
by CERCLA, as set forth in Section XX. 

VI. PAYMENTS, DELIVERIES, AND GUARANTEES

          5.          Court
Registry. 

                    a.     The
United States and the State shall file a motion to deposit certain funds into
the registry of the Court (“Registry Account”) no later than twenty (20) days
after the date of Lodging of this Consent Decree. Settling Defendants shall not
oppose that motion. 

                    b.     The
proposed order granting that motion shall be consistent with the proposed order
attached hereto as Appendix K. 

                    c.     The
purpose of the Registry Account is to receive certain payments from Settling
Companies as is provided in Paragraphs 6(a) and 6(c) (“Total Registry Payment
Amount”); to earn interest; and to provide funds to finance response actions
relating to water 

-10-

treatment,
including operation and maintenance, as necessary, taken or to be taken at or
in connection with the Bunker Hill Mining and Metallurgical Complex Superfund
Site. The funds shall be disbursed from the Registry Account under conditions
which are described in Paragraphs 5(d) - 5(f) below. 

                    d.     EPA
presently expects to issue an amended Record of Decision (“ROD”) within the
next year in connection with its July 2010 Proposed Plan for the Upper Coeur
d’Alene Basin and Box. Concurrently with preparing the ROD, EPA and the State
will be discussing the State’s role in performing certain response actions
relating to water treatment and distribution of the proceeds held in the Registry
Account. Those discussions will consider EPA’s estimate of the cost of response
actions to be performed by the State, other cleanup priorities within the Site
and their associated costs, and the availability of funding for these and other
planned response actions. Should the State agree to perform such response
actions, which agreement would be reflected in a Superfund State Contract, and
once the agreement is finalized, EPA and the State shall jointly move the Court
for a distribution from the Registry Account and shall provide accompanying
payment instructions, consistent with that agreement. Neither EPA nor the State
can unilaterally determine that an agreement has been reached. Settling
Companies are not eligible to receive any funds directly from the Registry
Account, nor may Settling Companies participate in the discussions between EPA
and the State about those funds. 

                    e.     If
after eighteen (18) months EPA and the State have not jointly moved for
distribution of the funds held in the Registry Account and provided
instructions for payments of such funds, all funds remaining in the Registry
Account, including interest, shall be disbursed to EPA upon motion to the Court
by the United States. 

                    f.     Any
disbursements made to EPA from the Registry Account made pursuant to this
Paragraph shall be made by certified or cashier’s check or wire transfer made
payable to “EPA Hazardous Substance Superfund” and shall be deposited in the
Bunker Hill Mining and Metallurgical Complex Superfund Site Special Account
within the EPA Hazardous Substance Superfund, to be retained and used to
conduct or finance response actions at or in connection with the Bunker Hill
Mining and Metallurgical Complex Superfund Site. After certification of
completion of the Bunker Hill Mining and Metallurgical Complex Superfund Site
remedial 

-11-

action, any
balance remaining in the Bunker Hill Mining and Metallurgical Complex Superfund
Site Special Account may be transferred by EPA to the EPA Hazardous Substance
Superfund. 

                    g.     The
provisions of this Paragraph and any disagreements between the State and EPA
regarding allocation of the Total Registry Payment Amount are not subject to
the Dispute Resolution provisions of this Consent Decree. 

          6.          Hecla
Limited shall make the following payments to EPA, or to the Registry Account
pursuant to Paragraphs 6(a) and 6(c), to be retained and used by EPA or the
State to conduct or finance response actions at or in connection with the Site:

                    a.     Within
thirty (30) days of the Effective Date, Hecla Limited shall pay to the Registry
Account in accordance with Paragraph 5 the
sum of $66,588,208, which includes 75% of the proceeds from all Series 1 and 3
warrants exercised between the date of issuance and April 12, 2011. 

                    b.     Within
thirty (30) days of the Effective Date, Hecla Limited shall either: (i) pay to
the Bunker Hill Mining and
Metallurgical Complex Superfund Site Special Account the sum of $41,625,000, or
(ii) deliver to the EPA Account
For Receiving Stock a number of shares of common stock of Hecla Mining Company
having a market value of $41,625,000, based on the closing price for Hecla
Mining Company common stock on the New York Stock Exchange on the trading day
prior to delivery. The choice between paying cash or delivering stock shall be
made by Hecla Limited. In the event that Hecla Limited elects to make this
payment in shares of common stock, those shares shall be delivered on the last
trading day of the 30-day period. 

                    c.     Within
thirty (30) days of the Effective Date, Hecla Limited shall pay 66.5% of
Pre-Lodging Interest to the Registry Account in accordance with Paragraph 5. If
the Consent Decree was lodged on or before April 15, 2011, no payment of
Pre-Lodging Interest is required. 

                    d.     Within
thirty (30) days of the one-year anniversary of the Effective Date, Hecla
Limited shall pay to the Bunker Hill Mining and Metallurgical Complex Superfund
Site Special Account the principal amount of $18,750,000, plus Interest.
Interest on the payment under this sub-paragraph shall be calculated from the
Effective Date through the date of payment. 

-12-

                    e.     Within
thirty (30) days of the two-year anniversary of the Effective Date, Hecla
Limited shall pay to the Bunker Hill Mining and Metallurgical Complex Superfund
Site Special Account the principal amount of $11,250,000 plus Interest.
Interest on the payment under this sub-paragraph shall be calculated from the
Effective Date through the date of payment. 

                    f.     Between
the Effective Date and August 15, 2014, Hecla Limited shall pay to the Bunker
Hill Mining and Metallurgical Complex Superfund Site Special Account the sum of
$42,336,792, as follows: 

                           (i)     Within
30 days of the end of each calendar quarter between the Effective Date and
August 15, 2014, Hecla Limited shall pay to the Bunker Hill Mining and Metallurgical
Complex Superfund Site Special Account 75% of an amount equal to the proceeds
from exercised Hecla Mining Company Series 1 and Series 3 warrants received
during the prior calendar quarter. The first quarterly payment to be made under
this sub-paragraph shall include 75% of all warrant exercise proceeds from
April 13, 2011 through the end of the calendar quarter in which the Effective
Date falls. 

                           (ii)     No
later than August 15, 2014, Hecla Limited shall pay to the Bunker Hill Mining
and Metallurgical Complex Superfund Site Special Account the sum of
$42,336,792, less the quarterly payments previously made to the Bunker Hill
Mining and Metallurgical Complex Superfund Site Special Account pursuant to
sub-paragraph (i), above. 

          7.          Hecla
Limited shall make the following payments to the Trustees: 

                    a.     Within
thirty (30) days of the Effective Date, Hecla Limited shall pay to the Coeur
d’Alene Basin Natural Resource Trustee Account the sum of $21,732,736, which
includes 25% of the proceeds from all Series 1 and 3 warrants exercised between
the date of issuance and April 12, 2011. 

                    b.     Within
thirty (30) days of the Effective Date, Hecla Limited shall either: (i) pay to
the Coeur d’Alene Basin Natural Resource Trustee Account the sum of
$13,875,000, or (ii) deliver to the DOI Account For Receiving Stock For The
Trustees a number of shares of common stock of Hecla Mining Company having a
market value of $13,875,000, based on the closing price for Hecla Mining
Company common stock on the New York Stock Exchange on the trading
day prior to delivery. The choice between paying cash or delivering stock shall

-13-

be made by Hecla Limited. In the event that Hecla Limited elects to make this
payment in shares of common stock, those shares shall be delivered on the last
trading day of the 30-day period. 

                    c.       Within
thirty (30) days of the Effective Date, Hecla Limited shall pay to the Coeur
d’Alene Basin Natural Resource Trustee Account 22% of Pre-Lodging Interest. If
the Consent Decree was lodged on or before April 15, 2011, no payment of
Pre-Lodging Interest is required. 

                    d.       Within
thirty (30) days of the one-year anniversary of the Effective Date, Hecla
Limited shall pay to the Coeur d’Alene Basin Natural Resource Trustee Account
the principal amount of $6,250,000, plus Interest. Interest on the payment
under this sub-paragraph shall be calculated from the Effective Date through
the date of payment. 

                    e.       Within
thirty (30) days of the two-year anniversary of the Effective Date, Hecla
Limited shall pay to the Coeur d’Alene Basin Natural Resource Trustee Account
the principal amount of $3,750,000, plus Interest. Interest on the payment
under this sub-paragraph shall be calculated from the Effective Date through
the date of payment.

                    f.       Between
the Effective Date and August 15, 2014, Hecla Limited shall pay to the Coeur
d’Alene Basin Natural Resource Trustee Account the sum of $14,112,264, as
follows: 

                              (i)          Within
30 days of the end of each calendar quarter between the Effective Date and
August 15, 2014, Hecla Limited shall pay to the Coeur d’Alene Basin Natural
Resource Trustee Account 25% of an amount equal to the proceeds from exercised
Hecla Mining Company Series 1 and Series 3 warrants received during the prior
calendar quarter. The first quarterly payment to be made under this
sub-paragraph shall include 25% of all warrant exercise proceeds from April 13,
2011 through the end of the calendar quarter in which the Effective Date falls.

                              (ii)         No
later than August 15, 2014, Hecla Limited shall pay to the Coeur d’Alene Basin
Natural Resource Trustee Account the sum of $14,112,264, less the quarterly
payments previously made to the Coeur d’Alene Basin Natural Resource Trustee
Account pursuant to sub-paragraph (i), above.

-14-

          8.      Within
30 days of the Effective Date, Hecla Limited shall pay to EPA and the State of
Idaho jointly the sum of $17,000,000, to be deposited in the Governor’s Trust
Fund and used in accordance therewith to fund the requirements set forth in
Attachment D to the Box Consent Decree and related Institutional Control Plan
activities at other areas in the Site. Within thirty (30) days of the Effective
Date, Hecla Limited shall pay to the Governor’s Trust Fund 8.5% of Pre-Lodging
Interest. If the Consent Decree was lodged on or before April 15, 2011, no
payment of Pre-Lodging Interest is required. Payments made pursuant to this
section shall be made via electronic funds transfer in accordance with the
Electronic Remittance Guide prepared by the Idaho State Treasurer’s Office.
Questions concerning payment should be directed to: 

	
  

 	
  

 
	
  

 	
 Fiscal
 Office 

 Idaho Department of Environmental Quality 

 1410 N. Hilton, 

 Boise, Idaho 83706 

 208-373-0315 

 

          9.      Within
30 days of the Effective Date, Hecla Limited shall pay to the State and the
Tribe the aggregate sum of $ 2,130,000, to enhance implementation of the Lake
Coeur d’Alene Lake Management Plan. Said monies shall be paid as follows: 

                    a.          $1,065,000
to be paid to the State of Idaho Department of Environmental Quality and
deposited in an account and used exclusively to fund activities of the Lake
Coeur d’Alene Lake Management Plan. Payments made pursuant to this
sub-paragraph shall be made via electronic funds transfer in accordance with
the Electronic Remittance Guide prepared by the Idaho State Treasurer’s Office.
If the payment instructions are not provided by the Idaho State Treasurer’s
Office at least three days prior to the payment’s due date, then the due date
for that payment shall be extended until the third day after the Idaho State
Treasurer’s Office provides payment instructions for that payment. Questions concerning
payment should be directed to: 

	
  

 	
  

 
	
  

 	
 Fiscal
 Office 

 Idaho Department of Environmental Quality 

 1410 N. Hilton, 

 Boise, Idaho 83706 

 208-373-0315 

 

-15-

                    b.        $1,065,000
to be paid to the Coeur d’Alene Tribe and deposited in an account and used
exclusively to fund activities of the Lake Coeur d’Alene Lake Management Plan.
Payment to the Tribe under this Section shall be paid by certified or cashier’s
check made payable to the “Coeur d’Alene Tribe” and sent to: 

	
  

 	
  

 
	
  

 	
 Coeur d’Alene
 Tribe 

 Finance Department 

 850 A Street 

 P O Box 408 

 Plummer, ID 83851 

 

The check, or
a letter accompanying the check, shall identify the payment as “payment to fund
activities of the Lake Coeur d’Alene Management Plan” under this Section and
shall reference the name and address of the Party making payment, the Coeur
d’Alene Basin site, the civil action numbers 96-0122-N-EJL, 91-0342-N-EJL and
94-0206-N-HLR and this Consent Decree.

                    c.        Within
thirty (30) days of the Effective Date, Hecla Limited shall pay to the State
and the Coeur d’Alene Tribe each 0.5% of Pre-Lodging Interest. If the Consent
Decree was lodged on or before April 15, 2011, no payment of Pre-Lodging
Interest is required.

          10.     Within
30 days of the Effective Date, Hecla Limited shall pay to the Tribe the sum of
$4,000,000 in past costs. Within thirty (30) days of the Effective Date, Hecla
Limited shall pay to the Coeur d’Alene Tribe 2% of Pre-Lodging Interest. If the
Consent Decree was lodged on or before April 15, 2011, no payment of
Pre-Lodging Interest is required. Payment to the Tribe under this Section shall
be paid by certified or cashier’s check made payable to the “Coeur d’Alene
Tribe” and sent to:

	
  

 	
  

 
	
  

 	
 Coeur
 d’Alene Tribe 

 
	
  

 	
 Finance
 Department 

 
	
  

 	
 850 A Street
 

 
	
  

 	
 P O Box 408 

 
	
  

 	
 Plummer, ID
 83851 

 

The check, or
a letter accompanying the check, shall identify the payment as “payment for
past costs” under this Section and shall reference the name and address of the
Party making payment, the Coeur d’Alene Basin site, the civil action numbers
96-0122-N-EJL, 91-0342-N-EJL and 94-0206-N-HLR and this Consent Decree. 

-16-

          11.     With
respect to the interest payments due under Paragraphs 6(c)-6(e) and 7(c)-7(e),
the Financial Litigation Unit (“FLU”) of the United States Attorney’s Office
for the District of Idaho shall send a calculation of the interest due for each
payment to Hecla Limited. Hecla Limited may make any payment due under
Paragraphs 6(c) – 6(e) and 7(c) – 7(e) prior to the due date, but must contact
the FLU in advance for a determination regarding the amount of interest to be
included with the payment. 

          12.     Hecla
Limited shall make payments required in Paragraphs 6 and 7 by FedWire
Electronic Funds Transfer (“EFT”) to the U.S. Department of Justice account in
accordance with current EFT procedures, included in the written instructions
that shall be provided to Settling Companies by the FLU after the Effective
Date. The payment instructions provided by the FLU shall include a Consolidated
Debt Collection System (“CDCS”) number, which shall be used to identify all
payments required to be made in accordance with this Consent Decree. The FLU
shall provide the payment instructions in accordance with Section XXIII (Notices
and Submissions). If the payment instructions are not provided by the FLU at
least three days prior to a payment’s due date, then the due date for that
payment shall be extended until the third day after the FLU provides payment
instructions for that payment. 

          13.     At
the time of each payment, Hecla Limited shall send notice to each Plaintiff
that payment has been made to it in accordance with Section XXIII (Notices and
Submissions). In addition, for payments required by Paragraphs 6 and 7, Hecla
Limited shall send notice that payment has been made to the EPA Cincinnati
Finance Office by email at acctsreceivable.cinwd@epa.gov, or by mail to: 

	
  

 	
  

 
	
  

 	
 EPA
 Cincinnati Finance Office 

 26 Martin Luther King Drive 

 Cincinnati, Ohio 45268 

 

Such notice shall
reference the Site/Spill ID Number1020, DOJ Case Numbers 90-11-3-128L and
90-11-3-128M. 

          14.     The
amounts paid by the Settling Companies to the EPA Hazardous Superfund shall be
deposited by EPA into the Bunker Hill Mining and Metallurgical Complex
Superfund Site Special Account, to be retained and used to conduct or finance
response actions relating to water treatment, including operation and
maintenance, as necessary, and other response actions at or in connection with
the Bunker Hill Mining and Metallurgical Complex Superfund Site. 

-17-

Proceeds from
the sale of any shares of stock delivered to the EPA Account For Receiving
Stock pursuant to Paragraph 6(b) also shall be deposited by EPA into the Bunker
Hill Mining and Metallurgical Complex Superfund Site Special Account, to be
retained and used to conduct or finance response actions relating to water
treatment, including operation and maintenance, as necessary, and other
response actions at or in connection with the Bunker Hill Mining and
Metallurgical Complex Superfund Site. After completion of response actions at
or in connection with the Bunker Hill Mining and Metallurgical Complex
Superfund Site, any remaining funds may be transferred by EPA to the EPA
Hazardous Substance Superfund. 

          15.     Hecla
Mining Company guarantees all payments and deliveries of stock to be made by
Hecla Limited pursuant to Paragraphs 6(a) – 6(c), 7(a) – 7(c), 8, 9, and 10. Hecla
Mining Company shall immediately assume responsibility for and fulfill any
obligation in this Consent Decree of Hecla Limited pursuant to Paragraphs 6(a)
– 6(c), 7(a) – 7(c), 8, 9, and 10 to make payments or deliver stock if Hecla
Limited fails to do so, including any and all principal payments, interest, and
penalties or additional payments required by Section IX below. 

          16.     Hecla
Limited shall secure the full amounts of the payments required in Paragraphs
6(d)-6(f) and 7(d)-7(f), excluding interest, with third-party performance guarantee(s)
in the form(s) attached hereto in Appendix H-1 (EPA) or Appendix H-2
(Trustees), or in one consolidated form designating both EPA and the Trustees.
Within 30 days after the Effective Date of this Consent Decree, Hecla Limited
shall execute or otherwise finalize all instruments or other documents required
in order to make the performance guarantees in Appendix H legally binding, and
such performance guarantees shall thereupon be fully effective. Within 45 days
of the Effective Date of this Consent Decree, Hecla Limited shall submit to
Plaintiffs copies of all executed and/or otherwise finalized instruments or
other documents required in order to make the performance guarantees legally
binding in accordance with Section XXIII (Notices and Submissions). 

          17.     Hecla
Limited shall have the right to decrease the dollar amount of a relevant
performance guarantee pursuant to Paragraph 16 by the amounts of any payments
made by Hecla Limited pursuant to Paragraphs 6(f) and 7(f) against the
guaranteed obligation. When any payment required to be made pursuant to
Paragraphs 6(d)-6(f) and 7(d)-7(f) has been made, Hecla Limited may adjust or
discontinue the relevant performance guarantee. 

-18-

          18.     In
the event that the United States or any Settling Company becomes aware of
information indicating that any performance guarantee in Appendix H is no
longer fully effective or is otherwise not materially in compliance with the
terms of this Consent Decree, Hecla Limited, within ninety (90) days of receipt
of notice from the United States, or, as the case may be, within ninety (90)
days of the Settling Company becoming aware of such information, shall obtain a
revised or alternative form of performance guarantee that is equivalent to the
form of the guarantee set forth in either Appendix H-1 (EPA) or Appendix H-2
(Trustees). 

          19.     In
the event that the initial guarantee required by Paragraph 16 or the
replacement guarantee required by Paragraph 18 is not provided as specified and
within the time periods required by those Paragraphs, all payments remaining to
be made by Hecla Limited pursuant to this Consent Decree shall be accelerated
and shall become fully due and payable fifteen (15) days after such event. 

          20.     All
payments for natural resource damages will be spent according to the provisions
of CERCLA Sections 107(f) and 111(i). 

          21.     A
minimum of $10,000,000 from the above payments for natural resource damages
will be used for restoration of Lake Coeur d’Alene. In addition, use of these
funds will be guided by the existing Memorandum of Understanding between the
federal trustees and the Tribe, as well as future agreements that may be
reached among all the Trustees.

          22.     This
Consent Decree is based on Settling Companies’ limited ability to pay. The
Parties stipulate for the limited purposes specified herein that but for
Settling Companies’ limited ability to pay, Settling Companies’ potential
liability to Plaintiffs for the Site could be substantially higher than $263,400,000.
Therefore, in the event that any Settling Company files or becomes subject to a
petition for relief under the Bankruptcy Code, Plaintiffs may assert,
notwithstanding any other provision of the Consent Decree, a claim for the full
amount of that Settling Company’s potential liability. Settling Companies
reserve the right to oppose the claim on any ground other than that the amount
of their liability is limited by the terms of this Consent Decree. The
provisions of the Bankruptcy Code and applicable nonbankruptcy law shall then
govern Plaintiffs’ and Settling Companies’ rights. This paragraph shall be null
and void when the payments to be made under Paragraphs 6(a)-6(c), 7(a)-7(c),
and 8-10 have been made. 

-19-

VII. EXCESS RECOVERIES UNDER INSURANCE POLICIES

          23.     Settling
Companies, in their sole discretion, may by settlement or litigation seek to
recover funds from insurers based on a duty to indemnify pursuant to the insurance
policies identified in the Insurance Information in Appendix D. If Settling
Companies receive any such insurance proceeds in excess of the aggregate amount
of $3,100,000.00, Settling Companies shall pay to Plaintiffs 50% of the any
amounts exceeding $3,100,000.00, as follows: 

                    a.     Within
30 days of receiving funds such that the aggregate amount of all recoveries
from the insurance policies identified in the Insurance Information exceeds
$3,100,000, Settling Companies shall pay 37.5% of the amount of funds received
that exceeds $3,100,000.00 in the aggregate to the “Bunker Hill Mining and
Metallurgical Complex Superfund Site Special Account.” 

                    b.     Within
30 days of receiving funds such that the aggregate amount of all recoveries
from the insurance policies identified in the Insurance Information exceeds
$3,100,000, Settling Companies shall pay 12.5% of the amount of funds received
that exceeds $3,100,000.00 in the aggregate to the “Coeur d’Alene Basin Natural
Resource Trustee Account.” 

VIII. CESSATION OF DISCHARGES FROM LUCKY
FRIDAY TAILINGS POND 1

          24.     Beginning
on the Effective Date, Settling Companies shall cease any and all discharges of
pollutants pursuant to NPDES permit No. ID-000017-5 from the tailings pond
identified by EPA as the Lucky Friday Tailings Pond No. 3 MUL020, but which
Appendix I refers to as “Pond #1.” The prohibition on the discharges referenced
in this Paragraph shall not preclude utilization of Outfall 001 (as identified
in NPDES permit No. ID-000017-5) for discharges not from Tailings Pond No. 1.
Outfall 001 is located proximate to but not within Tailings Pond No. 1. 

          25.     No
later than December 15, 2013, Settling Companies shall complete closure of
Tailings Pond No. 1 pursuant to all applicable legal requirements, including
the requirements of the Idaho Department of Water Resources. Proper completion
of closure of Tailings Pond No. 1 shall not be a basis for exercising the
reservations of rights in Paragraphs 32(j), 37(i), and 42(i) (precluding EPA’s
work plan). 

-20-

IX. FAILURE TO COMPLY WITH CONSENT DECREE

          26.     Interest
on Payments. Interest will accrue on any unpaid amounts until the total
amount due has been received if Hecla Limited or Hecla Mining Company, as
guarantor, if applicable, fail to make any payment required by Paragraphs 6 -
10 by the required due date. 

          27.     Stipulated
Penalties or Additional Payments. 

                    a.     If any
amounts due under Paragraphs 6 – 10, 19, and 23 are not paid by the required
date, Settling Companies shall be in violation of this Consent Decree and Hecla
Limited or Hecla Mining Company, as guarantor, if applicable, shall pay, in
addition to the Interest required by Paragraph 26, a stipulated penalty or
additional payment in the amount of one-half of one percent (.5%) of the amount
of each payment that is late for each day late. Stipulated penalties or
additional payments shall be due to each Plaintiff in proportion to that
Plaintiff’s percentage share of payments due it under Section VI. The portion
of any stipulated penalty for payments relating to Paragraphs 6, 8, or 19 owed
to EPA shall be paid as set forth below. The portion of any additional payment
for payments relating to Paragraphs 7, 9, 10, or 19 owed to the Trustees shall
be paid as set forth below. 

                    b.     If
Settling Companies do not comply with Sections VIII (Cessation of Discharges
from Lucky Friday Tailings Pond 3), XVII (Notice to Successors), XIX (Access to
Information), XVIII (Access and Institutional Controls), and those requirements
of the Protocol not subject to the Protocol’s stipulated penalty provisions,
Settling Companies shall be in violation of this Consent Decree and Hecla
Limited shall pay to EPA pursuant to sub-paragraph (c) or the Trustees pursuant
to sub-paragraph (d), as applicable, as a stipulated penalty or additional
payment, per violation per day of such noncompliance, as follows: 

	
  

 	
  

 	
  

 
	
  

 	
 Penalty Per
 Violation Per Day

 	
 Period of
 Noncompliance

 
	
  

 
	
  

 	
 $750.00

 	
 1st
 through 14th day

 
	
  

 	
 $1,750.00

 	
 15th
 through 30th day

 
	
  

 	
 $3,000.00

 	
 31st
 day and beyond

 

                    c.     Stipulated
penalties owed to EPA are due and payable within thirty (30) days after the
date of the written demand for payment of the penalties by EPA. All payments to EPA under this
Paragraph shall be identified as “stipulated penalties” and shall be made by
FedWire Electronic Funds Transfer to:

-21-

	
  

 	
  

 
	
  

 	
 Federal
 Reserve Bank of New York 

 ABA = 021030004 

 Account = 68010727 

 SWIFT address = FRNYUS33 

 33 Liberty Street 

 New York NY 10045

 Field Tag 4200 of the FedWire message should read “D 68010727 

 Environmental Protection Agency” 

 

and shall
reference the CDCS Number, Site/Spill ID Number 1020, and DOJ Case Number
90-11-3-128L. 

                    d.     Additional
payments owed to the Trustees shall be to provide additional compensation for
injuries to natural resources that are not otherwise addressed by this
ability-to-pay settlement. Additional payments owed to the Trustees are due and
payable within thirty (30) days after the date of the written demand for
payment of the additional payments by the Trustees. All payments to the
Trustees under this Paragraph shall be identified as “additional payments” and
shall be made to the Coeur d’Alene Basin Natural Resource Trustee Account and shall
reference DOJ Case Number 90-11-3-128M. 

                    e.     At the
time of payment, Hecla Limited or Hecla Mining Company, as guarantor, if
applicable, shall send notice that payment has been made to Plaintiffs in
accordance with Section XXIII (Notices and Submissions), and (for payments due
to EPA only) to the EPA Cincinnati Finance Office by email at
acctsreceivable.cinwd@epa.gov, or by mail to: 

	
  

 	
  

 
	
  

 	
 EPA
 Cincinnati Finance Office 

 26 Martin Luther King Drive 

 Cincinnati, Ohio 45268 

 

Such notice
shall reference the CDCS Number, Site/Spill ID Number 1020, and DOJ Case Number
90-11-3-128L. 

                    f.     Penalties
and additional payments shall accrue as provided in this Paragraph regardless
of whether any Plaintiff has notified Settling Companies of the violation or
made a demand for payment, but need only be paid upon demand. All penalties and
additional payments shall begin to accrue on the day after payment is due or the day a violation occurs, and shall
continue to accrue through the date of payment or the final day of correction
of the noncompliance or 

-22-

completion of
the activity. Nothing in this Consent Decree shall prevent the simultaneous
accrual of separate penalties or additional payments for separate violations of
this Consent Decree.

          28.     If
one or more Plaintiffs bring an action to enforce this Consent Decree, Hecla
Limited or Hecla Mining Company shall reimburse such Plaintiffs for all
reasonable costs of such action, including but not limited to costs of attorney
time.

          29.     Payments
made under this Section shall be in addition to any other remedies or sanctions
available to Plaintiffs by virtue of Settling Companies’ failure to comply with
the requirements of this Consent Decree. However, stipulated penalties and
additional payments shall not accrue: (1) with respect to a decision by the
Director of the Office of Environmental Cleanup, EPA Region 10, under Paragraph
83(b) or 84(a) of Section XXII (Dispute Resolution), during the period, if any,
beginning on the 21st day after the date that the Settling Companies’
reply to EPA’s Statement of Position is received until the date that the
Director issues a final decision regarding such dispute; and (2) with respect
to judicial review by this Court of any dispute under Section XXII (Dispute
Resolution), during the period, if any, beginning on the 31st day
after the Court’s receipt of the final submission regarding the dispute until
the date that the Court issues a final decision regarding such dispute. 

          30.     Notwithstanding
any other provision of this Section, any Plaintiff may, in its unreviewable
discretion, waive payment of any portion of the stipulated penalties or
additional payments that have accrued to it pursuant to this Consent Decree.
Payment of stipulated penalties or additional payments shall not excuse Hecla
Limited or Hecla Mining Company, as guarantor, if applicable, from payment as
required by Section VI or from performance of any other requirements of this Consent
Decree.

X. COVENANTS NOT TO SUE AND RESERVATIONS OF
RIGHTS BY THE UNITED STATES

          31.     United
States’ Covenant Not to Sue. Except as specifically provided in Paragraphs 32-35
(Reservations of Rights by United States), the United States covenants not to
sue or to take administrative action against Settling Companies regarding the
Site pursuant to Sections 106 and 107(a) of CERCLA, 42 U.S.C. §§ 9606 and
9607(a), Section 7003 of RCRA, 42 U.S.C. § 6973, and Sections 309, 311 and 504
of the CWA, 33 U.S.C. § 1319, 1321and 1364. With respect to present and
future liability, these covenants shall take effect upon receipt of all of the
payments 

-23-

and/or deliveries of stock required by Paragraphs 6(a)-6(c),
7(a)-7(c), 8, 9, and 10 (Payments, Deliveries, and Guarantees). These covenants
not to sue are conditioned upon the satisfactory performance by Settling
Companies of their obligations under this Consent Decree, including but not
limited to payment of all amounts due under Paragraphs 6 - 10 (Payments,
Deliveries, and Guarantees) and any Interest, stipulated penalties, or
additional payments due thereon under Section IX (Failure to Comply with
Consent Decree). These covenants not to sue are also conditioned upon the
veracity of the Financial Information (except as to Forward-Looking
Information) and the Insurance Information provided by Settling Companies and
the financial, insurance, and indemnity certification made by Settling
Companies in Paragraph 79. If the Financial Information (except as to
Forward-Looking Information) or the Insurance Information provided by Settling
Companies, or the financial, insurance, or indemnity certification made by
Settling Companies in Paragraph 79, is subsequently determined by the United
States, following consultation with the State and the Tribe, to be (subject to
dispute resolution in accordance with Section XXII) knowingly false or in any
material respect inaccurate, in each case as of the date such Financial
Information was provided by the Settling Companies, then Settling Companies
shall forfeit all payments made pursuant to this Consent Decree and these
covenants not to sue and the contribution protection in Paragraph 53 shall be
null and void. Such forfeiture shall not constitute liquidated damages and
shall not in any way foreclose the United States’ right to pursue any other
causes of action arising from Settling Companies’ materially inaccurate information.
However, such payments will be credited against any Settling Company’s CERCLA
liability at the Site. These covenants not to sue extend only to Settling
Companies and do not extend to any other person.

          32.     Reservations
of Rights By United States. The United States reserves, and this Consent
Decree is without prejudice to, all rights against Settling Companies with
respect to all matters not expressly included within the Covenants Not to Sue
by United States in Paragraph 31. Notwithstanding any other provision of this
Consent Decree, the United States reserves all rights against Settling
Companies with respect to the Site for:

                    a.          liability
for failure of Settling Companies to meet a requirement of this Consent Decree;

                    b.          criminal
liability;

-24-

                    c.          liability
for violations of federal law by Settling Companies which occur after the
Lodging Date; 

                    d.          liability
based on releases of Waste Materials after the Lodging Date from Settling
Companies’ Active Operations;

                    e.          liability
based on releases of Waste Materials after the Lodging Date from Settling
Companies’ Exploration Operations, but excluding liability for releases of
Waste Materials (i) present at the Site prior to or as of the Lodging Date, and
(ii) if such releases were not caused by Settling Companies’ Exploration
Operations;

                    f.          liability,
based on Settling Companies’ ownership of real property within the Site when
such ownership commences after the Lodging Date, up to but not exceeding the
increase in fair market value of the property as a result of response actions
conducted on the property after Settling Companies’ ownership of the property
commenced, but excluding liability for property transferred from one Settling
Company to another, where the property has been continuously and exclusively
owned by one or more Settling Companies on and after the Lodging Date; 

                    g.          liability
based on any Settling Companies’ transportation, treatment, storage, discharge,
or disposal, or the arrangement for the transportation, treatment, storage,
discharge, release, or disposal of a Waste Material at or in connection with
the Site, after the Lodging Date; provided that a re-release of Waste Materials
present at the Site prior to or as of the Lodging Date not caused by Settling
Companies is not included within this reservation of rights; 

                    h.          liability
based on releases of Waste Materials after the Lodging Date from Star Tailings
Ponds 5 and 6;

                    i.           liability
based on releases of Waste Materials from adits, portals, tunnels, or shafts
where Settling Companies conduct Active Operations after the Lodging Date, regardless
of whether the Waste Materials relate to activities conducted prior to the
Lodging Date or after the Lodging Date; 

                    j.          with
respect to any property currently owned by Settling Companies that is inactive
as of the Lodging Date but that is subsequently redeveloped for Exploration Operations or
Active Operations (including but not limited to the Hecla-Star Complex),
liability 

-25-

based on the presence of Waste Materials at the subject property
prior to the Lodging Date to the extent the Settling Companies’ Exploration
Operations or Active Operations preclude EPA from responding to releases from
such Waste Materials pursuant to EPA’s work plan for the property;

                    k.          liability
for unpermitted discharges or disposition of Waste Materials in connection with
or resulting from Active Operations or Exploration Operations where the
discharge or disposition requires a permit under the CWA, regardless of whether
the Waste Materials relate to activities conducted prior to the Lodging Date or
after the Lodging Date; 

                    l.           liability
for violations of permit conditions in Site-related permits issued under the
CWA to any Settling Company in connection with Active Operations or Exploration
Operations, including violations of Site-related permit conditions by Settling
Companies occurring prior to the Lodging Date, regardless of whether the
violations of permit conditions relate to activities conducted prior to the
Lodging Date or after the Lodging Date; 

                    m.         liability
under the CWA or RCRA for imminent and substantial endangerment in connection
with Settling Companies’ Active Operations or Exploration Operations conducted
after the Lodging Date; and

                    n.          liability
arising from the past, present, or future disposal, release or threat of
release of a Waste Material outside of the Site. 

          33.     Nothing
in this Consent Decree shall be interpreted to limit or diminish Settling
Companies’ obligations to obtain and comply with any necessary permits,
including, but not limited to, under the CWA, for Active Operations or
Exploration Operations that Settling Companies conduct after the Lodging Date. Nothing
in this Consent Decree shall affect whether Waste Materials present at the Site
prior to the Lodging Date are subject to any permit requirements after the
Lodging Date. 

          34.     Nothing
in this Consent Decree shall be interpreted to limit or diminish the United
States’ authority to establish, modify, or enforce permit conditions or
discharge limitations in permits issued to Settling Companies, including
permits issued before and after the Lodging Date. 

          35.     Notwithstanding
any other provision of this Consent Decree, the United States reserves, and
this Consent Decree is without prejudice to, the right to reinstitute or reopen this
action, or to commence a new action seeking relief other than as provided in 

-26-

this
Consent Decree, if the Financial Information (except as to Forward-Looking
Information) or the Insurance Information provided by Settling Companies, or
the financial, insurance, or indemnity certification made by Settling Companies
in Paragraph 79, is subsequently determined by the United States, following
consultation with the State and the Tribe, to be (subject to dispute resolution
in accordance with Section XXII) knowingly false or in any material respect
inaccurate, in each case as of the date such Financial Information was provided
by the Settling Companies. 

XI. COVENANTS NOT TO SUE AND RESERVATIONS OF
RIGHTS BY THE TRIBE

          36.     Tribe’s
Covenant Not to Sue. Except as specifically provided in Paragraphs 37-40
(Reservations of Rights by Tribe), the Tribe covenants not to sue or to take
administrative action against Settling Companies regarding the Site pursuant to
Section 104 of CERCLA, 42 U.S.C. § 9604, Section 107(a) of CERCLA, 42 U.S.C. §
9607(a), Section 7002 of RCRA, 42 USC § 6972, and Sections 309, 311 and 505 of
the CWA, 33 U.S.C. §§ 1319, 1321 and 1365, and pursuant to any applicable law
of the Tribe concerning natural resource damages or response actions or costs. With
respect to present and future liability, these covenants shall take effect upon
receipt of all of the payments and/or deliveries of stock required by
Paragraphs 6(a)-6(c), 7(a)-7(c), 8, 9, and 10 (Payments, Deliveries, and
Guarantees). These covenants not to sue are conditioned upon the satisfactory
performance by Settling Companies of their obligations under this Consent
Decree, including but not limited to payment of all amounts due under
Paragraphs 6 - 10 (Payments, Deliveries, and Guarantees) and any Interest,
stipulated penalties, or additional payments due thereon under Section IX
(Failure to Comply with Consent Decree). These covenants not to sue are also
conditioned upon the veracity of the Financial Information (except as to
Forward-Looking Information) and the Insurance Information provided by Settling
Companies and the financial, insurance, and indemnity certification made by
Settling Companies in Paragraph 79. If the Financial Information (except as to
Forward-Looking Information) or the Insurance Information provided by Settling
Companies, or the financial, insurance, or indemnity certification made by
Settling Companies in Paragraph 79, is subsequently determined by the United
States, following consultation with the State and the Tribe, to be (subject to
dispute resolution in accordance with Section XXII) knowingly
false or in any material respect inaccurate, in each case as of the date such
Financial 

-27-

Information was provided by the Settling Companies, then Settling
Companies shall forfeit all payments made pursuant to this Consent Decree and
these covenants not to sue and the contribution protection in Paragraph 53
shall be null and void. Such forfeiture shall not constitute liquidated damages
and shall not in any way foreclose the Tribe’s right to pursue any other causes
of action arising from Settling Companies’ materially inaccurate information. However,
such payments will be credited against any Settling Company’s CERCLA liability
at the Site. These covenants not to sue extend only to Settling Companies and
do not extend to any other person. 

          37.     Reservations
of Rights By Tribe. The Tribe reserves, and this Consent Decree is without
prejudice to, all rights against Settling Companies with respect to all matters
not expressly included within the Covenants Not to Sue by Tribe in Paragraph 36.
Nothing in this Consent Decree (including the Protocol in Appendix B) shall be
construed to enlarge, diminish, or be deemed an admission by Settling Companies
of the Tribe’s jurisdiction or legal authority under applicable law. Notwithstanding
any other provision of this Consent Decree, the Tribe reserves all rights it
may have under applicable law against Settling Companies with respect to the
Site for:

                    a.          liability
for failure of Settling Companies to meet a requirement of this Consent Decree;

                    b.          liability
for violations of applicable law by Settling Companies which occur after the
Lodging Date; 

                    c.          liability
based on releases of Waste Materials after the Lodging Date from Settling
Companies’ Active Operations;

                    d.          liability
based on releases of Waste Materials after the Lodging Date from Settling Companies’
Exploration Operations, but excluding liability for releases of Waste Materials
(i) present at the Site prior to or as of the Lodging Date, and (ii) if such
releases were not caused by Settling Companies’ Exploration Operations;

                    e.          liability,
based on Settling Companies’ ownership of real property within the Site when
such ownership commences after the Lodging Date, up to but not exceeding the
increase in fair market value of the property as a result of response actions
conducted on the property after
Settling Companies’ ownership of the property commenced, but excluding

-28-

liability for property transferred from one Settling Company to another, where
the property has been continuously and exclusively owned by one or more
Settling Companies on and after the Lodging Date; 

                    f.          liability
based on any Settling Companies’ transportation, treatment, storage, discharge,
or disposal, or the arrangement for the transportation, treatment, storage,
discharge, release, or disposal of a Waste Material at or in connection with
the Site, after the Lodging Date; provided that a re-release of Waste Materials
present at the Site prior to or as of the Lodging Date not caused by Settling
Companies is not included within this reservation of rights; 

                    g.          liability
based on releases of Waste Materials after the Lodging Date from Star Tailings
Ponds 5 and 6;

                    h.          liability
based on releases of Waste Materials from adits, portals, tunnels, or shafts
where Settling Companies conduct Active Operations after the Lodging Date, regardless
of whether the Waste Materials relate to activities conducted prior to the
Lodging Date or after the Lodging Date; 

                    i.           with
respect to any property currently owned by Settling Companies that is inactive
as of the Lodging Date but that is subsequently redeveloped for Exploration
Operations or Active Operations (including but not limited to the Hecla-Star
Complex), liability based on the presence of Waste Materials at the subject
property prior to the Lodging Date to the extent the Settling Companies’
Exploration Operations or Active Operations preclude EPA from responding to
releases from such Waste Materials pursuant to EPA’s work plan for the
property;

                    j.          liability
for unpermitted discharges or disposition of Waste Materials in connection with
or resulting from Active Operations or Exploration Operations where the
discharge or disposition requires a permit under the CWA, regardless of whether
the Waste Materials relate to activities conducted prior to the Lodging Date or
after the Lodging Date; 

                    k.          liability
for violations of permit conditions in Site-related permits issued under the
CWA to any Settling Company in connection with Active Operations or Exploration
Operations, including violations of Site-related permit conditions by Settling
Companies occurring prior to the 

-29-

Lodging Date, regardless
of whether the violations of permit conditions relate to activities conducted
prior to the Lodging Date or after the Lodging Date; 

                    l.          liability
under the CWA or RCRA for imminent and substantial endangerment in connection
with Settling Companies’ Active Operations or Exploration Operations conducted
after the Lodging Date; and

                    m.          liability
arising from the past, present, or future disposal, release or threat of
release of a Waste Material outside of the Site.

          38.     Nothing
in this Consent Decree shall be interpreted to limit or diminish Settling
Companies’ obligations to obtain and comply with any necessary permits,
including, but not limited to, under the CWA, for Active Operations or
Exploration Operations that Settling Companies conduct after the Lodging Date. Nothing
in this Consent Decree shall affect whether Waste Materials present at the Site
prior to the Lodging Date are subject to any permit requirements after the
Lodging Date. 

          39.     Nothing
in this Consent Decree (including the Protocol) shall be interpreted to enlarge
or diminish, or be deemed an admission by Settling Companies of any
jurisdiction or legal authority the Tribe may have under applicable laws to
establish, modify, or enforce permit conditions or discharge limitations in permits
issued to Settling Companies, including permits issued before and after the
Lodging Date. 

          40.     Notwithstanding
any other provision of this Consent Decree, the Tribe reserves, and this
Consent Decree is without prejudice to, the right to reinstitute or reopen this
action, or to commence a new action seeking relief other than as provided in
this Consent Decree, if the Financial Information (except as to Forward-Looking
Information) or the Insurance Information provided by Settling Companies, or
the financial, insurance, or indemnity certification made by Settling Companies
in Paragraph 79, is subsequently determined by the United States, following
consultation with the State and the Tribe, to be (subject to dispute resolution
in accordance with Section XXII) knowingly false or in any material respect
inaccurate, in each case as of the date such Financial Information was provided
by the Settling Companies.

-30-

XII. COVENANTS NOT TO SUE AND RESERVATIONS OF
RIGHTS BY THE STATE

          41.     State’s
Covenant Not to Sue. Except as specifically provided in Paragraphs 42-45
(Reservations of Rights by State), the State covenants not to sue or to take
administrative action against Settling Companies regarding the Site pursuant to
Section 107(a) of CERCLA, (42 U.S.C. § 9607(a)), RCRA Section 7002, (42 U.S.C.
§ 6972), Sections 311 and 505 of the CWA, (33 U.S.C. §§ 1321 and 1365), Idaho
Code section 39-108 and Idaho Code section 39-4413, and to the extent otherwise
authorized by law, it being the intent of this Consent Decree to have the
effect of a Consent Order pursuant to Idaho Code section 39-108(3)(a)(iv) and
Idaho Code section 39-4413(A)(1)(d). With respect to present and future
liability, these covenants shall take effect upon receipt of all of the
payments and/or deliveries of stock required by Paragraphs 6(a)-6(c),
7(a)-7(c), 8, 9, and 10 (Payments, Deliveries, and Guarantees). These covenants
not to sue are conditioned upon the satisfactory performance by Settling
Companies of their obligations under this Consent Decree, including but not
limited to payment of all amounts due under Paragraphs 6 - 10 (Payments,
Deliveries, and Guarantees) and any Interest, stipulated penalties, or
additional payments due thereon under Section IX (Failure to Comply with
Consent Decree). These covenants not to sue are also conditioned upon the
veracity of the Financial Information (except as to Forward-Looking
Information) and the Insurance Information provided by Settling Companies and
the financial, insurance, and indemnity certification made by Settling
Companies in Paragraph 79. If the Financial Information (except as to
Forward-Looking Information) or the Insurance Information provided by Settling
Companies, or the financial, insurance, or indemnity certification made by
Settling Companies in Paragraph 79, is subsequently determined by the United
States, following consultation with the State and the Tribe, to be (subject to
dispute resolution in accordance with Section XXII) knowingly false or in any
material respect inaccurate, in each case as of the date such Financial
Information was provided by the Settling Companies, then Settling Companies
shall forfeit all payments made pursuant to this Consent Decree and these
covenants not to sue and the contribution protection in Paragraph 53 shall be null
and void. Such forfeiture shall not constitute liquidated damages and shall not
in any way foreclose the State’s right to pursue any other causes of action
arising from Settling Companies’ materially inaccurate information. However,
such payments will be credited against any Settling Company’s CERCLA liability 

-31-

at the Site. These
covenants not to sue extend only to Settling Companies and do not extend to any
other person. 

          42.     Reservations
of Rights By State. The State reserves, and this Consent Decree is without
prejudice to, all rights against Settling Companies with respect to all matters
not expressly included within the Covenants Not to Sue by State in Paragraph 41.
Notwithstanding any other provision of this Consent Decree, the State reserves
all rights against Settling Companies with respect to: liability for failure of
Settling Companies to meet a requirement of this Consent Decree;

                    a.          liability
for failure of Settling Companies to meet a requirement of this Consent Decree;

                    b.          criminal
liability;

                    c.          liability
for violations of law by Settling Companies which occur after the Lodging Date;

                    d.          liability
based on releases of Waste Materials after the Lodging Date from Settling
Companies’ Active Operations;

                    e.          liability
based on releases of Waste Materials after the Lodging Date from Settling
Companies’ Exploration Operations, but excluding liability for releases of
Waste Materials (i) present at the Site prior to or as of the Lodging Date, and
(ii) if such releases were not caused by Settling Companies’ Exploration
Operations;

                    f.          liability
based on any Settling Companies’ transportation, treatment, storage, discharge,
or disposal, or the arrangement for the transportation, treatment, storage,
discharge, release, or disposal of a Waste Material at or in connection with
the Site, after the Lodging Date; provided that a re-release of Waste Materials
present at the Site prior to or as of the Lodging Date not caused by Settling
Companies is not included within this reservation of rights; 

                    g.          liability
based on releases of Waste Materials after the Lodging Date from Star Tailings
Ponds 5 and 6;

                    h.          liability
based on releases of Waste Materials from adits, portals, tunnels, or shafts
where Settling Companies conduct Active Operations after the Lodging Date, 

-32-

regardless of whether the Waste Materials
relate to activities conducted prior to the Lodging Date or after the Lodging
Date; 

                    i.          with
respect to any property currently owned by Settling Companies that is inactive
as of the Lodging Date but that is subsequently redeveloped for Exploration
Operations or Active Operations (including but not limited to the Hecla-Star
Complex), liability based on the presence of Waste Materials at the subject
property prior to the Lodging Date to the extent the Settling Companies’
Exploration Operations or Active Operations preclude EPA from responding to
releases from such Waste Materials pursuant to EPA’s work plan for the
property;

                    j.          liability
under the CWA or RCRA for imminent and substantial endangerment in connection
with Settling Companies’ Active Operations or Exploration Operations conducted
after the Lodging Date; and

                    k.          liability
arising from the past, present, or future disposal, release or threat of
release of a Waste Material outside of the Site. 

          43.     Nothing
in this Consent Decree shall be interpreted to limit or diminish Settling
Companies’ obligations to obtain and comply with any necessary permits for
Active Operations or Exploration Operations that Settling Companies conduct
after the Lodging Date. Nothing in this Consent Decree shall affect whether
Waste Materials present at the Site prior to the Lodging Date are subject to
any permit requirements after the Lodging Date. 

          44.     Nothing
in this Consent Decree shall be interpreted to limit or diminish the State’s
authority to establish, modify, or enforce permit conditions in permits issued
to Settling Companies, including permits issued before and after the Lodging
Date. 

          45.     Notwithstanding
any other provision of this Consent Decree, the State reserves, and this
Consent Decree is without prejudice to, the right to reinstitute or reopen this
action, or to commence a new action seeking relief other than as provided in
this Consent Decree, if the Financial Information (except as to Forward-Looking
Information) or the Insurance Information provided by Settling Companies, or
the financial, insurance, or indemnity certification made by Settling Companies
in Paragraph 79, is subsequently determined by the United States, following
consultation with the State and the Tribe, to be (subject to dispute resolution
in accordance with Section 

-33-

XXII) knowingly false or in any material respect inaccurate, in each case as of the
date such Financial Information was provided by the Settling Companies. 

XIII. COVENANTS NOT TO SUE BY SETTLING
COMPANIES

          46.     Settling
Companies covenant not to sue and agree not to assert any claims or causes of
action against the United States, the Tribe, or the State, or their contractors
or employees, with respect to the Site and this Consent Decree, including but
not limited to:

                    a.          any
direct or indirect claim for reimbursement from the Hazardous Substance
Superfund based on Sections 106(b)(2), 107, 111, 112, or 113 of CERCLA, 42
U.S.C. §§ 9606(b)(2), 9607, 9611, 9612, or 9613, or any other provision of law;

                    b.          any
claim arising out of response actions at or in connection with the Site,
including any claim under the United States Constitution, the Tribal
Constitution, the State Constitution, the Tucker Act, 28 U.S.C. § 1491, the
Equal Access to Justice Act, 28 U.S.C. § 2412, as amended, or at common law; or

                    c.          any
claim against the United States, the Tribe, or the State pursuant to Sections
107(a) and 113 of CERCLA, 42 U.S.C. §§ 9607(a) and 9613, Section 7002 of RCRA,
42 U.S.C. §§ 6972, and Section 505 of the CWA, 33 U.S.C. § 1365, tribal law, or
state law, relating to the Site.

          47.     Except
as provided in Paragraph 49 (Claims against other PRPs) and Paragraph 55 (Res
Judicata and other Defenses), these covenants not to sue shall not apply in the
event the United States, the Tribe, or the State brings a cause of action or
issues an order pursuant to any of the reservations set forth in Paragraph 32
(Reservations of Rights by United States), Paragraph 37 (Reservations of Rights
by Tribe), or Paragraph 42 (Reservations of Rights by State), other than in
Paragraphs 32(a), 37)(a), and 42(a) (claims for failure to meet a requirement
of the Consent Decree), Paragraphs 32(b) and 42(b) (criminal liability),
Paragraphs 32(c), 37(b), and 42(c) (violation of law), Paragraphs 32(f) and 37(e)
(after-acquired property), Paragraphs 32(j), 37(i), and 42(i) (precluding EPA’s
work plan), Paragraphs 32(k) and 37(j) (claims for unpermitted discharges),
Paragraphs 32(l) and 37(k) (claims for violations of permit conditions), or
Paragraphs 32(m), 37(l), and 42(j) (imminent and substantial endangerment), but
only to the extent that: (i) Settling Companies’ claims arise from the same
response action, response costs, or damage claim that the United States, the
Tribe, 

-34-

or the State is seeking pursuant to the applicable reservation; and (ii)
the facts in support of the Settling Companies’ claims occur after the Lodging
Date. Settling Companies’ covenants not
to sue in this Section do not bar Settling Companies from seeking to intervene
as a defendant in an action brought by a Plaintiff against another Plaintiff
pursuant to Paragraph 51; provided, however, that in such an action Settling
Companies may not assert against a Plaintiff any claim that is barred by
Settling Companies’ covenants not to sue in this Section.

          48.     Nothing
in this Consent Decree shall be deemed to constitute approval or
preauthorization of a claim within the meaning of Section 111 of CERCLA, 42
U.S.C. § 9611, or 40 C.F.R. 300.700(d).

          49.     Settling
Companies agree not to assert any claims and to waive all claims or causes of
action (including but not limited to claims or causes of action under Sections
107(a) and 113 of CERCLA and Section 311 of the CWA) arising prior to the
Lodging Date that they may have with respect to response costs and natural
resource damages at the Site against any other person who, or entity which, is a
potentially responsible party under CERCLA, RCRA, the CWA, tribal law, or state
law at the Site. This waiver shall not apply with respect to any defense,
claim, or cause of action that a Settling Company may have against such person
or entity, if such person or entity asserts a claim or cause of action relating
to the Site against a Settling Company.

XIV. COVENANTS NOT TO SUE AMONG PLAINTIFFS

          50.     Except
as specifically provided in Paragraph 51 (Reservations of Rights by
Plaintiffs), Plaintiffs covenant not to sue and agree not to assert any claims
or causes of action against each other, or their contractors or employees, with
respect to Waste Materials present at the Site prior to the Lodging Date,
including but not limited to:

                    a.          any
direct or indirect claim for reimbursement from the Hazardous Substance
Superfund based on Sections 106(b)(2), 107, 111, 112, or 113 of CERCLA, 42
U.S.C. §§ 9606(b)(2), 9607, 9611, 9612, or 9613, or any other provision of law;

                    b.          any
claim arising out of response actions at or in connection with the Site,
including any claim under the United States Constitution, the Tribal
Constitution, the State
Constitution, the Tucker Act, 28 U.S.C. § 1491, the Equal Access to Justice
Act, 28 U.S.C. § 2412, as amended, or at common law; or

-35-

                    c.          any
claim against each other pursuant to Sections 106, 107(a), and 113 of CERCLA,
42 U.S.C. §§ 9606, 9607(a), and 9613, Sections 3008, 7002, and 7003 of RCRA, 42
U.S.C. §§ 6928, 6972, and 6973, and Sections 309, 311, 504, and 505 of the CWA,
33 U.S.C. §§ 1319, 1321, 1364, and 1365, tribal law, or state law. 

          51.     Plaintiffs
reserve, and this Consent Decree is without prejudice to, all rights against
each other with respect to all matters not expressly included within the
Covenants Not to Sue Among Plaintiffs in Paragraph 50. Notwithstanding any
other provision of this Consent Decree, the Plaintiffs reserve all rights
against each other with respect to the Site for: (i) liability for violations
of applicable law which occur after the Lodging Date, and (ii) judicial review
under federal, state, or Tribal law, including the CWA, RCRA, CERCLA, and their
state law and Tribal law counterparts, of actions taken, delayed, or not taken
after the Lodging Date, and which pertain to water quality or Waste Materials
(including Waste Materials present at the Site prior to the Lodging Date and
Waste Materials present at the Site after the Lodging Date) in the Site. This
includes, but is not limited to, judicial review of the issuance or denial of
permits, the promulgation of regulations or standards, cleanup decisions, and
claims for failure to perform nondiscretionary duties. A prevailing Plaintiff may
seek remand, vacatur, or any other relief that may be obtained by a party
prevailing on a claim included in this reservation of rights. This reservation
of rights does not include: (i) any claims for monetary relief regarding Waste
Materials present at the Site prior to the Lodging Date, other than claims for
fees and costs where a Plaintiff prevails on a claim included in this
reservation of rights; or (ii) any claims, other than for violations of
applicable law which occur after the Lodging Date, that any Plaintiff caused,
contributed to, or is otherwise liable for any releases, handling, storage,
treatment, transportation, or disposal of any Waste Materials present at the
Site prior to the Lodging Date.

XV. EFFECT OF SETTLEMENT/CONTRIBUTION

          52.     Except
as provided in Paragraph 49 (claims against other PRPs), nothing in this
Consent Decree shall be construed to create any rights in, or grant any cause
of action to, any person not a Party to this Consent Decree. Except as provided
in Paragraph 49 (claims against other PRPs), each of the Parties expressly
reserves any and all rights (including, but not limited to, under Section
113 of CERCLA, 42 U.S.C. § 9613), defenses, claims, demands, and causes of
action which it may have with respect to any matter, transaction, or occurrence
relating in any way 

-36-

to the Site against any person not a Party hereto. Nothing
in this Consent Decree diminishes the right of the United States, the Tribe, or
the State, pursuant to Section 113(f)(2) and (3) of CERCLA, 42 U.S.C. §
9613(f)(2) - (3), to pursue any such persons to obtain additional response
costs or response action and to enter into settlements that give rise to
contribution protection pursuant to Section 113(f)(2).

          53.     The
Parties agree, and by entering this Consent Decree this Court finds, that this
settlement constitutes a judicially-approved settlement for purposes of Section
113(f)(2) of CERCLA, 42 U.S.C. § 9613(f)(2), and that Settling Companies are
entitled, as of the Effective Date, to protection from contribution actions or
claims as provided by Section 113(f)(2) of CERCLA, or as may be otherwise
provided by law, for “matters addressed” in this Consent Decree. The “matters
addressed” in this Consent Decree are claims for natural resource damages and
all response actions taken or to be taken and all response costs incurred or to
be incurred, at or in connection with the Site, by the United States, the
Tribe, the State, or any other person; provided, however, that if the United States,
the Tribe, or the State exercise rights under the reservations in Paragraph 32
(Reservations of Rights by United States), Paragraph 37 (Reservations of Rights
by Tribe), or Paragraph 42 (Reservations of Rights by State), other than in
Paragraphs 32(a), 37)(a), and 42(a) (claims for failure to meet a requirement
of the Consent Decree), Paragraphs 32(b) and 42(b) (criminal liability),
Paragraphs 32(c), 37(b), and 42(c) (violation of law), Paragraphs 32(f) and
37(e) (after-acquired property), Paragraphs 32(j), 37(i), and 42(i) (precluding
EPA’s work plan), Paragraphs 32(k) and 37(j) (claims for unpermitted
discharges), Paragraphs 32(l) and 37(k) (claims for violations of permit
conditions), or Paragraphs 32(m), 37(l), and 42(j) (imminent and substantial endangerment),
the “matters addressed” in this Consent Decree will no longer include those
response costs or response actions or natural resource damages that are within
the scope of the exercised reservation. 

          54.     Settling
Companies shall, with respect to any suit or claim brought by them for matters
related to this Consent Decree, notify the United States, the Tribe, and the
State in writing no later than 60 days prior to the initiation of such suit or
claim. Settling Companies also shall, with
respect to any suit or claim brought against them by a person other than a
Plaintiff for matters related to this Consent Decree, notify the United States,
the Tribe, and the State in 

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writing within ten days of service of the complaint
or claim upon them. In addition, Settling Companies shall notify the United
States, the Tribe, and the State within ten days of service or receipt of any
Motion for Summary Judgment, and within ten days of receipt of any order from a
court setting for trial a case subject to this Paragraph.

          55.     In
any subsequent administrative or judicial proceeding initiated by the United
States, the Tribe, or the State for injunctive relief, recovery of response
costs, or other relief relating to the Site, Settling Companies shall not
assert, and may not maintain, any defense or claim based upon the principles of
waiver, res judicata, collateral
estoppel, issue preclusion, claim-splitting, or other defenses based upon any
contention that the claims raised by the United States, the Tribe, or the State
in the subsequent proceeding were or should have been brought in the instant
case; provided, however, that nothing in this Paragraph affects the
enforceability of the Covenants Not to Sue set forth in Sections X, XI, and XII.

XVI. EFFECT UPON PRIOR SETTLEMENTS AND
AGREEMENTS

          56.     It is understood and agreed by the remaining
parties to the Box Consent Decree that this Consent Decree fully addresses,
resolves and satisfies any remaining obligations of the Settling Companies (i)
under the Box Consent Decree, and (ii) under any other CERCLA order or
CERCLA-related agreement relating to the Site that pertains to the Settling
Companies. The remaining parties to the Box Consent Decree shall, within thirty
(30) days of the Effective Date, prepare and file a stipulation dismissing
Hecla Limited from the Box Consent Decree. The governmental parties to the Box
Consent Decree will request the Court to retain jurisdiction over the Box
Consent Decree due to the continuing nature of the Institutional Controls
Program (ICP) as an integral part of the remedy in the Box. 

          57.     It
is understood and agreed by the Parties to this Consent Decree that nothing in
this Consent Decree shall be modified by or otherwise subject to any claim of
offset or credit arising from or related to that certain Credit And Tolling
Agreement entered by and between the State of Idaho and Hecla Mining Company on
March 22, 1996, it being the express intent that this Consent Decree be the
exclusive statement of terms and conditions associated with resolution of the
State’s claims against Hecla.

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XVII. NOTICE TO SUCCESSORS-IN-TITLE AND
TRANSFERS OF REAL PROPERTY

          58.     For
any real property owned or controlled by Settling Companies located at the
Site, except for Federal Lands, Settling Companies shall, within 30 days after
the Effective Date, record with the appropriate land records office a notice
attached hereto as Appendix J that provides a description of such real
property and provides notice to all successors-in-title that the real property
is part of the Site, that EPA has selected or may in the future select a
response action for the real property in question, and that potentially
responsible parties have entered into this Consent Decree containing access and
related provisions that contemplate the implementation of response actions at
the Site. The notice shall describe the land use restrictions set forth in
Paragraph 63(b). Such notice(s) shall identify the U.S. District Court in which
the Consent Decree was filed. Settling Companies shall provide EPA, the Tribe,
and the State with a certified copy of the recorded notice(s) within ten days
of recording such notice(s). 

          59.     Settling
Companies shall, at least 60 days prior to any Transfer of any real property
located at the Site to any other person or entity, give written notice: (a) to
the transferee regarding the Consent Decree and any Proprietary Controls
regarding the real property; and (b) to EPA, the United States Department of
Agriculture, the United States Department of the Interior, the Tribe, and the
State regarding the proposed Transfer, including the name and address of the
transferee and the date on which the transferee was notified of the Consent
Decree and any Proprietary Controls.

          60.     Any
Settling Company may Transfer any real property located at the Site only if:
(a) except for Federal Lands, any Proprietary Controls required by Paragraph
63(c) have been recorded with respect to the real property; or (b) Settling
Companies have obtained an agreement from the transferee, enforceable by the
Settling Company, the State, and the United States, to allow access and
restrict land/water use, pursuant to Paragraphs 63(a) and 63(b), and, except
for Federal Lands, record any Proprietary Controls on the real property after
such Proprietary Controls have been approved in writing by EPA. In the event of
any Transfer of real property located at the Site, to the extent the Settling
Companies retain an interest in the transferred property, Settling Companies
shall continue to comply with their obligations 

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under the
Consent Decree with respect to the transferred property, including, but not
limited to, those identified in Section XVIII (Access and Institutional
Controls)

          61.     Prior
to a transfer of any Settling Company’s interest in a Fractional Interest
Property, that Settling Company shall (i) comply with the requirements of
Paragraph 59 for that Fractional Interest Property, (ii) comply with the
requirements of Paragraph 63(c) for that Fractional Interest Property to the
extent allowed by law, and (iii) except for Federal Lands, exercise its best
efforts (excluding payment of compensation of other interest holders in the
Fractional Interest Property) to obtain consent to record Proprietary Controls
from all other interest holders in the property.

          62.     Any
Settling Company that grants a security interest, or pledges or mortgages any
real property it owns or controls within the Site shall obtain an agreement
from the secured entity or person at the time of such grant that upon
foreclosure of the real property any transfer of the title to the real
property, including any transfer by operation of law, shall be subject to the Proprietary
Controls. Documentation of compliance with this Paragraph shall be provided to
EPA by such Settling Company within thirty (30) days of the establishment of
such security interest, pledge, or mortgage.

XVIII. ACCESS AND INSTITUTIONAL CONTROLS

          63.     For
those portions of the Site owned or controlled by Settling Companies where
access or land/water use restrictions are determined by EPA (after consultation
with any Federal Land Management Agency regarding any Federal Lands) to be
applicable (subject to dispute resolution pursuant to Section XXII (Dispute
Resolution)):

                    a.          Settling
Companies shall, commencing on the Effective Date, provide Performing Parties
and their representatives, contractors, and subcontractors, with access at
all reasonable times and upon reasonable notice (at least 72 hours
absent an emergency) to those portions of the Site owned or controlled by
Settling Companies to conduct any activity relating to a response action at the
Site, including, but not limited to, the following activities, after
consultation with any Federal Land Management Agency regarding any Federal
Lands:

                                 (1)     Monitoring,
investigation, removal, remedial or other activities at the Site;

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                                 (2)     Verifying
any data or information submitted to the United States or the State;

                                 (3)     Conducting
investigations regarding contamination at or near the Site;

                                 (4)     Obtaining
samples;

                                 (5)     Assessing
the need for, planning, or implementing response actions at or near the Site; 

                                 (6)     Assessing
compliance by Settling Companies with this Consent Decree and the activities of
any Performing Parties; 

                                 (7)     Implementing,
monitoring, maintaining, reporting on, and enforcing any Institutional
Controls; and

                                 (8)     Constructing,
operating, repairing, and maintaining one or more waste repositories at Star
Ponds #1 and #2. Settling Companies shall not have any regulatory
responsibilities for any such waste repositories, however, any of Settling
Companies’ regulatory responsibilities for Star Ponds #1 and #2 apart from such
waste repositories shall not be affected by this sub-sub Paragraph.
Notwithstanding the notice requirement applicable to most of this
sub-paragraph, no prior notice to Settling Companies shall be required for
access to Star Ponds #1 and #2.

Whenever
Performing Parties or their representatives, contractors, or subcontractors
exercise their access rights under this sub-Paragraph, the Tribe may accompany
those persons for purposes of assessing compliance with this Consent Decree.
Nothing in this Consent Decree shall limit or preclude the Tribe, or
representatives and companies affiliated with the Tribe, from serving as
response action contractors for any Performing Party.

                    b.          Except
as provided in the Protocol, commencing on the Lodging Date, Settling Companies
shall not use any real property in the Site in any manner that EPA determines,
after consultation with any Federal Land Management Agency regarding any
Federal Lands, will pose an unacceptable risk to human health and the
environment due to exposure of Waste Materials or interfere with or adversely
affect the implementation,

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integrity or
protectiveness of the removal or remedial measures taken or to be performed at
the Site. EPA acknowledges that the Settling Companies currently use real
property they own or control within the Site, and will continue to use and will
likely expand their use of property within the Site for Active Mining Operations
and Exploration Activities. EPA believes that the Settling Companies’ current
Active Mining Operations and Exploration Operations will not interfere with or
adversely affect the implementation, integrity or protectiveness of removal or
remedial measures taken or to be performed at the Site. If current
circumstances change, EPA and the Settling Companies agree to work together
pursuant to the Protocol, to formulate and implement a course of action to
avoid such interference or adverse effects on the implementation, integrity or
protectiveness of removal or remedial measures taken or to be performed at the
Site. Except as provided in Section 5.A.(1) of the Protocol, if EPA and the
Settling Companies are unable to agree upon a course of action to avoid such
interference or adverse effects on the implementation, integrity or
protectiveness on removal or remedial measures taken or to be performed at the
Site, EPA’s determination as to the appropriate course of action shall govern,
subject to the Settling Companies’ rights to invoke Dispute Resolution under
Section XXII of this Consent Decree. 

                    c.          Prior
to a Settling Company’s transfer of any real property interest in the Site, and
within forty-five (45) days of receipt of the notice to be provided pursuant to
Paragraph 59, EPA, after consultation with the State and any Federal Land
Management Agency regarding any Federal Lands, shall review and approve draft
Proprietary Controls that will provide the rights and obligations set forth in
Paragraphs 63(a) and 63(b). Except for
Federal Lands, Settling Companies shall submit such draft Proprietary Controls
substantially in the form attached hereto as Appendix A (Environmental Covenant
appendix) at the time notice is provided pursuant to Paragraph 59. Except for Federal Lands, upon approval from
EPA, such Settling Company shall execute and record the Proprietary Controls in
the appropriate land records office during or before the transfer. Any dispute regarding the form of the
Proprietary Controls under this sub-Paragraph is subject to the Settling
Companies’ rights to invoke Dispute Resolution under Section XXII of this
Consent Decree.

          64.     Performing
Parties will coordinate their respective use of the right of access provided in
Paragraph 63 to ensure that interference with the Settling Companies’ use and

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enjoyment of
its property is minimized to the extent practicable. During such coordination,
the Settling Companies may provide the Performing Party(ies) with any written
health and safety policies regarding the Settling Companies’ property within
the Site.

          65.     If,
after consultation with any Federal Land Management Agency regarding any
Federal Lands, EPA determines (subject to dispute resolution in accordance with
Section XXII) that Institutional Controls in the form of future regulations,
ordinances, zoning restrictions, or other governmental controls are applicable
to real property in the Site owned or controlled by any Settling Company, then
that Settling Company shall provide information requested by EPA with respect
to such Institutional Controls and shall not oppose EPA’s and the State’s
efforts to secure compliance with such controls.

          66.     Except
as provided herein, the United States, the State, and the Tribe retain all of
their access authorities and rights, as well as all of their rights to require
applicable Institutional Controls, including enforcement authorities related
thereto, under CERCLA, RCRA, and any other applicable statute or regulations.

XIX. ACCESS TO INFORMATION

          67.     Settling
Companies shall provide to EPA, the State, and the Tribe, upon request, copies
of all records, reports, or information (including records, reports, documents
and other information in electronic form) (hereinafter referred to as
“Records”) within their possession or control or that of their contractors or
agents relating to the implementation of this Consent Decree or implementation
of response actions at the Site and documentation required by the Protocol. 

          68.     Confidential
Business Information and Privileged Documents.

                     a.          Settling
Companies may assert business confidentiality claims covering part or all of
the Records submitted to Plaintiffs under this Consent Decree to the extent
permitted by and in accordance with Section 104(e)(7) of CERCLA, 42 U.S.C. §
9604(e)(7), and 40 C.F.R. § 2.203(b). Records determined to be confidential by
EPA will be accorded the protection specified in 40 C.F.R. Part 2, Subpart B.
If no claim of confidentiality accompanies Records when they are submitted to
EPA, the State, or the Tribe, or if EPA has notified Settling Companies that
the Records are not confidential under the standards of Section 104(e)(7) of 

-43-

CERCLA or 40
C.F.R. Part 2, Subpart B, the public may be given access to such Records
without further notice to Settling Companies. 

                    b.          Settling
Companies may assert that certain Records are privileged under the attorney-client
privilege or any other privilege recognized by federal law. If Settling
Companies assert such a privilege in lieu of providing Records, they shall
provide EPA, the State, or the Tribe with the following: (1) the title of the
Record; (2) the date of the Record; (3) the name, title, affiliation (e.g., company or firm), and address of the
author of the Record; (4) the name and title of each addressee and recipient;
(5) a description of the subject of the Record; and (6) the privilege asserted.
If a claim of privilege applies only to a portion of a Record, the Record shall
be provided to the United States, the State, or the Tribe in redacted form to
mask the privileged portion only. Settling Companies shall retain all Records
that they claim to be privileged until the United States, the State, or the
Tribe has had a reasonable opportunity to dispute the privilege claim and any
such dispute has been resolved in Settling Companies’ favor. 

          69.     Except
for records submitted by Settling Companies that are designated as confidential
pursuant to Section 2 of the Protocol, no claim of confidentiality or privilege
shall be made with respect to any data, including but not limited to, all
sampling, analytical, monitoring, hydrogeologic, scientific, chemical, or
engineering data, or any other records evidencing conditions at or around the
Site that are generated after the Lodging Date. 

          70.     Nothing
in this Section is in derogation of the May 29, 2008 Protective Order. 

XX. PROTOCOL FOR COORDINATING SETTLING
COMPANIES’ MINING

OPERATIONS WITH EPA’S REMEDIAL ACTIONS

          71.     EPA
and Settling Companies expect
that EPA will be conducting substantial response activities throughout the Site
for many years to come and that Settling Companies will be conducting Active
Operations and Exploration Operations at certain areas within the Site for many
years to come.

          72.     To
better coordinate Settling Companies’ Active Operations and Exploration
Operations with EPA’s response activities, EPA and Settling Companies have
agreed upon the Protocol set forth in Appendix B.

          73.     Except
as provided in Sections X, XI and XII (Covenants and Reservations), nothing in
this Consent Decree (including the Protocol) alters or diminishes the rights or

-44-

authorities of the United States, the State, or the Tribe to evaluate, select,
or implement any and all response actions under applicable law, and the
United States, the State, and the Tribe retain all authority and reserve all rights
to take any and all response actions authorized by law.

          74.     Nothing
in the Protocol in Appendix B enlarges in any fashion the rights of Settling
Companies or any other person to obtain judicial review of the United States’
or the State’s response actions, including, but not limited to, judicial review
of the United States’ or the State’s selection of remedial actions in Records
of Decision or the United States’ or the State’s actions to implement those
Records of Decision. In addition, Settling Companies shall not seek judicial
review of EPA’s selection of any or all response actions proposed in EPA’s July
2010 Proposed Plan for the Upper Coeur d’Alene Basin and Box.

          75.     Nothing
in this Consent Decree (including the Protocol) shall be interpreted as
exempting the Parties from compliance with any applicable legal obligations,
including but not limited to CERCLA, General Mining Law of 1872, 30 U.S.C.
Sections 22-54, and the Federal Land Policy and Management Act, 43 U.S.C. section
1701 et
seq., and their applicable regulations.

XXI. RETENTION OF RECORDS AND CERTIFICATIONS

          76.     Until
ten (10) years after the entry of this Consent Decree, Settling Companies shall
preserve and retain all non-identical copies of Records now in their possession
or control, or which come into their possession or control, that relate in any
manner to the implementation of this Consent Decree, regardless of any
corporate retention policy to the contrary.

          77.     After
the conclusion of the document retention period in the preceding paragraph,
Settling Companies shall notify Plaintiffs at least 90 days prior to the
destruction of any such Records, and, upon request by a Plaintiff, Settling
Companies shall deliver any such Records to Plaintiffs. Settling Companies may
assert that certain Records are privileged under the attorney-client privilege
or any other privilege recognized by federal law. If Settling Companies assert
such a privilege, they shall provide the Plaintiffs with the following: (1) the
title of the Record; (2) the date of the Record; (3) the name, title,
affiliation (e.g., company or firm), and
address of the author of the Record; (4) the name and title of each addressee
and recipient; (5) a description of the subject of the Record; and (6) the
privilege asserted. If a 

-45-

claim of privilege applies only to a portion of a
Record, the Record shall be provided to Plaintiffs in redacted form to mask the
privileged portion only. Settling Companies shall retain all Records that it
claims to be privileged until the Plaintiffs have had a reasonable opportunity
to dispute the privilege claim and any such dispute has been resolved in
Settling Companies’ favor. 

          78.     Settling
Companies certify that, to the best of their knowledge and belief, they have
fully complied with any and all EPA and State requests for information
regarding the Site and Settling Companies’ financial circumstances, including
but not limited to insurance and indemnity information, pursuant to Sections
104(e) and 122(e) of CERCLA, 42 U.S.C. §§ 9604(e) and 9622(e), and Section 3007
of RCRA, 42 U.S.C. § 6927.

          79.     Settling
Companies certify that they have:

                    a.          submitted
to Plaintiffs Financial Information (excluding Forward-Looking Information) and
to the U.S. Securities and Exchange Commission filings for operations in the
year 2010 that are accurate in all material respects; and

                    b.          fully
disclosed to Plaintiffs, as requested, the insurance policies and other
information that is included in the Insurance Information.

XXII.
DISPUTE RESOLUTION

          80.     Except
as otherwise provided in the Protocol, the dispute resolution procedures of
this Section shall be the exclusive mechanism to resolve all disputes regarding
this Consent Decree. Except where the Consent Decree expressly provides
otherwise, the dispute resolution procedures in this Section apply to disputes
arising under provisions of the Consent Decree that expressly reference Section
XXII (Dispute Resolution) and disputes that contain no such express reference.
However, except as otherwise provided in the Protocol, the procedures set forth
in this Section shall not apply to actions by the Plaintiffs to enforce
obligations of Settling Companies that have not been disputed in accordance
with this Section.

          81.     Any
dispute regarding this Consent Decree shall in the first instance be the
subject of informal negotiations between the Parties to the dispute. The period
for informal negotiations shall not exceed 20 days from the time the dispute
arises, unless it is modified 

-46-

by written
agreement of the Parties to the dispute. The dispute shall be considered to
have arisen when one Party sends the other Parties a written notice of dispute.

          82.     Statements
of Position.

                    a.          In
the event that the Parties cannot resolve a dispute by informal negotiations
under the preceding Paragraph, then the position advanced by those Plaintiffs
that are party to the dispute (hereafter in this Section, “Disputing
Plaintiffs”) shall be considered binding unless, within 15 days after the
conclusion of the informal negotiation period, Settling Companies invoke the
formal dispute resolution procedures of this Section by serving on the United
States, the State, and the Tribe a written Statement of Position on the matter
in dispute, including, but not limited to, any factual data, analysis or
opinion supporting that position and any supporting documentation relied upon
by Settling Companies. The Statement of Position shall specify Settling
Companies’ position as to whether formal dispute resolution should proceed
under Paragraph 83 or Paragraph 84.

                    b.          Within
30 days after receipt of Settling Companies’ Statement of Position, Disputing
Plaintiffs will serve on Settling Companies their Statement(s) of Position
(jointly or separately, at their discretion), including, but not limited to,
any factual data, analysis, or opinion supporting that position and all
supporting documentation relied upon by Disputing Plaintiffs. Disputing Plaintiffs’
Statement(s) of Position shall include a statement as to whether formal dispute
resolution should proceed under Paragraph 83 or 84. Within 15 days after
receipt of Disputing Plaintiffs’ Statement(s) of Position, Settling Companies
may submit a Reply.

                    c.          If
there is disagreement between Disputing Plaintiffs and Settling Companies as to
whether dispute resolution should proceed under Paragraph 83 or 84, the Parties
to the dispute shall follow the procedures set forth in the paragraph
determined by Disputing Plaintiffs to be applicable. If Disputing Plaintiffs do
not agree whether dispute resolution should proceed under Paragraph 83 or 84,
the Parties to the dispute shall follow the procedures set forth in the
paragraph determined by the United States to be applicable. However, if
Settling Companies ultimately appeal to the Court to resolve the dispute, the Court shall
determine which paragraph is applicable in accordance with the standards of
applicability set forth in Paragraphs 83 or 84. 

-47-

          83.     Record
Review. Formal dispute resolution for disputes pertaining to the selection
or adequacy of any response action and all other disputes that are accorded
review on the administrative record under applicable principles of
administrative law shall be conducted pursuant to the procedures set forth in
this Paragraph. For purposes of this Paragraph, the selection or adequacy of
any response action includes, without limitation, the adequacy or
appropriateness of plans, procedures to implement plans, or any other items
requiring approval by EPA under this Consent Decree. Nothing in this Consent
Decree shall be construed to allow any dispute by Settling Companies regarding
the validity of any EPA Record of Decision, or amendment thereto, regarding the
Site.

                    a.          An
administrative record of the dispute shall be maintained by EPA and shall
contain all statements of position, including supporting documentation,
submitted pursuant to this Section. Where appropriate, EPA may allow submission
of supplemental statements of position by the Parties to the dispute.

                    b.          The
Director of the Office of Environmental Cleanup, EPA Region 10, will issue a
final administrative decision resolving the dispute based on the administrative
record described in Paragraph 83(a). This decision shall be binding upon
Settling Companies, subject only to the right to seek judicial review pursuant
to Paragraphs 83(c) and 83(d).

                    c.          Any
final administrative decision made by EPA pursuant to Paragraph 83(b) shall be
reviewable by this Court, provided that a motion for judicial review of the
decision is filed by Settling Companies with the Court and served on all
Parties within ten days of receipt of EPA’s decision. The motion shall include
a description of the matter in dispute, the efforts made by the Parties to
resolve it, the relief requested, and the schedule, if any, within which the
dispute must be resolved to ensure orderly implementation of this Consent
Decree. The Disputing Plaintiffs may file a response (jointly or separately, at
their discretion) to Settling Companies’ motion.

                    d.          In
proceedings on any dispute governed by this Paragraph, Settling Companies shall
have the burden of demonstrating that the decision of the Director of the
Office of Environmental Cleanup is arbitrary and capricious or otherwise not in
accordance 

-48-

with law.
Judicial review of EPA’s decision shall be on the administrative record
compiled pursuant to Paragraph 83(a).

          84.     Other
Disputes. Formal dispute resolution for disputes that neither pertain to
the selection or adequacy of any response action nor are otherwise accorded
review on the administrative record under applicable principles of law, shall
be governed by this Paragraph. 

                    a.          Following
receipt of Settling Companies’ Statement of Position submitted pursuant to
Paragraph 82, the Director of the Office of Environmental Cleanup, EPA Region
10, will issue a final decision resolving the dispute. The Office of
Environmental Cleanup Director’s decision shall be binding on Settling
Companies unless, within ten days of receipt of the decision, Settling Companies
file with the Court and serve on the Parties a motion for judicial review of
the decision setting forth the matter in dispute, the efforts made by the
Parties to resolve it, the relief requested, and the schedule, if any, within
which the dispute must be resolved to ensure orderly implementation of matters
affected by the dispute. The Disputing Plaintiffs may file a response (jointly
or separately, at their discretion) to Settling Companies’ motion.

                    b.
           Judicial review of
any dispute governed by this Paragraph shall be governed by applicable
principles of law.

          85.     The
invocation of formal dispute resolution procedures under this Section shall not
extend, postpone, or affect in any way any obligation of Settling Companies
under this Consent Decree, not directly in dispute, unless all Disputing
Plaintiffs or the Court agree otherwise. Stipulated penalties or additional
payments with respect to the disputed matter shall continue to accrue, but
payment shall be stayed pending resolution of the dispute. Notwithstanding the
stay of payment, stipulated penalties or additional payments shall accrue from
the first day of noncompliance with any applicable provision of this Consent
Decree. In the event that Settling Companies do not prevail on the disputed
issue, stipulated penalties or additional payments shall be assessed and paid
as provided in Section IX (Failure to Comply With Consent Decree).

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XXIII. NOTICES AND SUBMISSIONS

          86.     Whenever, under the terms of this Consent
Decree, notice is required to be given or a document is required to be sent by
one Party to another, it shall be directed to the individuals at the addresses
specified below, unless those individuals or their successors give notice of a
change to the other Parties in writing.
Except as otherwise provided herein, written notice as specified in this
Section shall constitute complete satisfaction of any written notice
requirement of the Consent Decree with respect to the United States, the Tribe,
the State, and Settling Companies, respectively.

	
  

 	
  

 	
  

 
	
 As to the United States:

 	
  

 	
 Chief,
 Environmental Enforcement Section

 
	
  

 	
  

 	
 Environment
 and Natural Resources Division 

 
	
  

 	
  

 	
 U.S.
 Department of Justice

 
	
  

 	
  

 	
 P.O. Box
 7611

 
	
  

 	
  

 	
 Washington,
 D.C. 20044-7611

 
	
  

 	
  

 	
 Re: DJ#
 90-11-3-128L and 90-11-3-128M

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Chief,
 Environmental Defense Section

 
	
  

 	
  

 	
 Environment
 and Natural Resources Division 

 
	
  

 	
  

 	
 U.S.
 Department of Justice

 
	
  

 	
  

 	
 P.O. Box
 23986

 
	
  

 	
  

 	
 Washington,
 D.C. 20026-3986

 
	
  

 	
  

 	
 Re: DJ#
 90-11-3-1681

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 and

 
	
  

 	
  

 	
  

 
	
 As to EPA:

 	
  

 	
 Director,
 Office of Environmental Cleanup

 
	
  

 	
  

 	
 U.S.
 Environmental Protection Agency, Region 10

 
	
  

 	
  

 	
 1200 Sixth
 Avenue

 
	
  

 	
  

 	
 Seattle, WA
 98101

 
	
  

 	
  

 	
 Attention:
 Cami Grandinetti, Shawn Blocker, 

 
	
  

 	
  

 	
                     and
 Bill Adams

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Regional
 Counsel

 
	
  

 	
  

 	
 Office of
 Regional Counsel

 
	
  

 	
  

 	
 U.S.
 Environmental Protection Agency, Region 10

 
	
  

 	
  

 	
 1200 Sixth
 Avenue

 
	
  

 	
  

 	
 Seattle, WA
 98101

 
	
  

 	
  

 	
 Attention:
 Ted Yackulic

 

-50-

	
  

 	
  

 	
  

 
	
 As to the Department of Agriculture:

 	
  

 	
 Diane
 Connolly 

 
	
  

 	
  

 	
 USDA Office
 of the General Counsel 

 
	
  

 	
  

 	
 740 Simms
 Street

 
	
  

 	
  

 	
 Golden, CO
 80401-4720 

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Bob
 Kirkpatrick, P.E.

 
	
  

 	
  

 	
 Deputy
 Director of Engineering

 
	
  

 	
  

 	
 USDA -
 Forest Service, Northern Region

 
	
  

 	
  

 	
 200 E.
 Broadway 

 
	
  

 	
  

 	
 Missoula, MT
 59807 

 
	
  

 	
  

 	
  

 
	
 As to the Department of the Interior:

 	
  

 	
 U.S. Fish & Wildlife Service Pacific Region, Regional Office

 
	
  

 	
  

 	
 Kathleen Moynan, DOI Project Manager

 
	
  

 	
  

 	
 911 NE 11th Avenue

 
	
  

 	
  

 	
 Portland, Oregon 97232

 
	
  

 	
  

 	
  

 
	
 With a copy
 to:

 	
  

 	
 Barry Stein

 
	
  

 	
  

 	
 Office of
 the Regional Solicitor

 
	
  

 	
  

 	
 805 SW
 Broadway, Suite 600

 
	
  

 	
  

 	
 Portland,
 Oregon 97205

 
	
  

 	
  

 	
  

 
	
 As to the Tribe:

 	
  

 	
 Phillip
 Cernera, Director

 
	
  

 	
  

 	
 Lake
 Management Department 

 
	
  

 	
  

 	
 Coeur
 d’Alene Tribe

 
	
  

 	
  

 	
 850 A Street

 
	
  

 	
  

 	
 P.O. Box 408

 
	
  

 	
  

 	
 Plummer,
 Idaho 83851

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Eric Van
 Orden

 
	
  

 	
  

 	
 Office of
 Legal Counsel 

 
	
  

 	
  

 	
 Coeur
 d’Alene Tribe 

 
	
  

 	
  

 	
 850 A Street

 
	
  

 	
  

 	
 P.O. Box 408

 
	
  

 	
  

 	
 Plummer,
 Idaho 83851

 
	
  

 	
  

 	
  

 
	
 With a copy
 to:

 	
  

 	
 Howard A.
 Funke

 
	
  

 	
  

 	
 Howard Funke
 & Associates, P.C.

 
	
  

 	
  

 	
 424 Sherman
 Avenue, Suite 308

 
	
  

 	
  

 	
 P.O. Box 969

 
	
  

 	
  

 	
 Coeur
 d’Alene, Idaho 83816-0969

 

-51-

	
  

 	
  

 	
  

 
	
 As to the State:

 	
  

 	
 Rob Hanson, 

 
	
  

 	
  

 	
 Mine Waste Program Manager

 
	
  

 	
  

 	
 Idaho Department of Environmental Quality 

 
	
  

 	
  

 	
 1410 N. Hilton

 
	
  

 	
  

 	
 Boise, Idaho 83706

 
	
  

 	
  

 	
  

 
	
 As to Settling Companies:

 	
  

 	
 Hecla Mining Company

 
	
  

 	
  

 	
 Attn: General Counsel

 
	
  

 	
  

 	
 6500 N. Mineral Dr., Suite 200

 
	
  

 	
  

 	
 Coeur d’Alene, ID 83815-9408

 
	
  

 	
  

 	
  

 
	
 With a copy to:

 	
  

 	
 Elizabeth H. Temkin

 
	
  

 	
  

 	
 Temkin Wielga & Hardt LLP

 
	
  

 	
  

 	
 1900 Wazee Street, Suite 303

 
	
  

 	
  

 	
 Denver, CO 80202

 

XXIV. RETENTION
OF JURISDICTION

          87.     This
Court retains jurisdiction over both the subject matter of this Consent Decree
and Settling Companies for the duration of the performance of the terms and
provisions of this Consent Decree for the purpose of enabling any of the
Parties to apply to the Court at any time for such further order, direction,
and relief as may be necessary or appropriate for the construction or
modification of this Consent Decree, or to effectuate or enforce compliance
with its terms, or to resolve disputes in accordance with Section XXII (Dispute
Resolution).

XXV. INTEGRATION/APPENDICES

          88.     This
Consent Decree and its appendices constitute the final, complete and exclusive
agreement and understanding between the Parties with respect to the settlement
embodied in this Consent Decree. Except with respect to Financial Information
provided by Settling Companies to Plaintiffs but not attached to this Consent
Decree due to its confidential nature, the Parties acknowledge that there are
no representations, agreements or understandings relating to the settlement
other than those expressly contained in this Consent Decree. The following
appendices are attached to and incorporated into this Consent Decree: 

	
  

 	
  

 	
  

 
	
  

 	
 Appendix A:

 	
 Environmental
 Covenant

 
	
  

 	
  

 	
  

 
	
  

 	
 Appendix B:

 	
 Protocol
 (with MMP)

 
	
  

 	
  

 	
  

 
	
  

 	
 Appendix C:

 	
 Depiction of
 Hecla-Star Complex

 

-52-

	
  

 	
  

 	
  

 
	
  

 	
 Appendix D:

 	
 Insurance
 Information

 
	
  

 	
  

 	
  

 
	
  

 	
 Appendix E:

 	
 Depiction of
 Lucky Friday Active Area

 
	
  

 	
  

 	
  

 
	
  

 	
 Appendix F:

 	
 Information
 on Other Excluded Locations

 
	
  

 	
  

 	
  

 
	
  

 	
 Appendix G:

 	
 Depiction of
 Star Tailings Ponds

 
	
  

 	
  

 	
  

 
	
  

 	
 Appendix H:

 	
 Performance
 Guarantees (H-1 (EPA), H-2 (Trustees))

 
	
  

 	
  

 	
  

 
	
  

 	
 Appendix I:

 	
 Depiction of
 Lucky Friday Tailings Pond #1

 
	
  

 	
  

 	
  

 
	
  

 	
 Appendix J:

 	
 Notice of
 Consent Decree

 
	
  

 	
  

 	
  

 
	
  

 	
 Appendix K:

 	
 Court Order
 for creation of Registry Account

 

XXVI. MODIFICATION

          89.     Material
modifications to this Consent Decree (including the Protocol) shall be in
writing, signed by the Parties, and shall be effective upon approval by the
Court. Non-material modifications to this Consent Decree (including the
Protocol) shall be in writing and shall be effective when signed by duly
authorized representatives of the Parties. 

          90.     Nothing
in this Consent Decree shall be deemed to alter the Court’s power to enforce,
supervise or approve modifications to this Consent Decree.

XXVII. LODGING AND OPPORTUNITY FOR PUBLIC COMMENT

          91.     This
Consent Decree shall be lodged with the Court for a period of not less than 30
days for public notice and comment. The United States, the State, and the Tribe
each reserves the right to withdraw or withhold its consent if the comments
regarding the Consent Decree disclose facts or considerations which indicate
that this Consent Decree is inappropriate, improper, or inadequate. Settling
Companies consent to the entry of this Consent Decree without further notice.

          92.     If
for any reason this Court should decline to approve this Consent Decree in the
form presented, this Consent Decree is voidable at the sole discretion of any
Party and the terms of the Consent Decree may not be used as evidence in any
litigation between the Parties.

XXVIII. SIGNATORIES/SERVICE

          93.     Each
undersigned representative of Settling Companies, the Assistant Attorney
General of the Environmental and Natural Resources Division, United States
Department of Justice, Chief
Allan, Chairman, Coeur 

-53-

d’Alene Tribe, Howard Funke, Special Counsel, Coeur
d’Alene Tribe, and the Governor of the State of Idaho certifies that he or she
is authorized to enter into the terms and conditions of this Consent Decree and
to execute and bind legally such Party to this document.

          94.     Settling
Companies agree not to oppose entry of this Consent Decree by this Court or to
challenge any provision of this Consent Decree, unless the United States, the
State, or the Tribe has notified Settling Companies in writing that it no
longer supports entry of the Consent Decree.

          95.     Settling
Companies shall identify, on the attached signature page, the name and address
of an agent who is authorized to accept service of process by mail on their
behalf with respect to all matters arising under or relating to this Consent
Decree. Settling Companies agree to accept service in that manner and to waive
the formal service requirements set forth in Rule 4 of the Federal Rules of
Civil Procedure and any applicable local rules of this Court, including but not
limited to, service of a summons.

XXIX. FINAL JUDGMENT

          96.     Upon
entry of this Consent Decree by the Court, this Consent Decree shall constitute
the final judgment between and among the United States, the Tribe, the State,
and Settling Companies. The Court enters this judgment as a final judgment
under Fed. R. Civ. P. 54 and 58.

SO ORDERED THIS ________________________ DAY OF
________________________, 2011.

	
  

 	
  

 
	
  

 	 
 
	
  

 	
 Hon. Edward J. Lodge

 
	
  

 	
 United States District Judge

 

-54-

Signature Page for Consent
Decree regarding United States of America et al. v. Hecla Limited et
al. and consolidated cases, Nos. 96-0122-N-EJL,
91-0342-N-EJL, and 94-0206-N-HLR, relating to the Bunker Hill Mining and
Metallurgical Complex Superfund Site in Northern Idaho

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 FOR THE
 UNITED STATES OF AMERICA:

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 IGNACIA
 S. MORENO

 	
  

 
	
  

 	
  

 	
  

 	
 Assistant
 Attorney General

 	
  

 
	
  

 	
  

 	
  

 	
 Environment
 and Natural Resources Division

 
	
  

 	
  

 	
  

 	
 U.S.
 Department of Justice

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 JOHN
 CRUDEN

 	
  

 
	
  

 	
  

 	
  

 	
 Deputy
 Assistant Attorney General

 	
  

 
	
  

 	
  

 	
  

 	
 Environment
 and Natural Resources Division

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Date: 

 	 

 	
  

 	 

 	
  

 
	
  

 	
  

 	
  

 	
 MICHAEL J. ZEVENBERGEN

 	
  

 
	
  

 	
  

 	
  

 	
 Senior Counsel

 	
  

 
	
  

 	
  

 	
  

 	
 Environmental Enforcement
 Section

 	
  

 
	
  

 	
  

 	
  

 	
 c/o NOAA Damage Assessment

 	
  

 
	
  

 	
  

 	
  

 	
 7600 Sand Point Way, NE

 	
  

 
	
  

 	
  

 	
  

 	
 Seattle, Washington 98115

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 DAVID ASKMAN, Senior
 Counsel

 	
  

 
	
  

 	
  

 	
  

 	
 PAT CASEY, Senior Counsel

 	
  

 
	
  

 	
  

 	
  

 	
 DAVID DAIN, Senior
 Attorney

 	
  

 
	
  

 	
  

 	
  

 	
 KATHRYN C. MACDONALD,
 Senior Attorney

 
	
  

 	
  

 	
  

 	
 ROBERT E. MAHER, JR.,
 Assistant Chief

 	
  

 
	
  

 	
  

 	
  

 	
 Environmental Enforcement
 Section

 	
  

 
	
  

 	
  

 	
  

 	
 601 “D” Street, N.W.

 	
  

 
	
  

 	
  

 	
  

 	
 Washington, D.C. 20004

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Date: 

 	 

 	
  

 	 

 	
  

 
	
  

 	
  

 	
  

 	
 MARK A. NITCZYNSKI

 	
  

 
	
  

 	
  

 	
  

 	
 Senior Counsel

 	
  

 
	
  

 	
  

 	
  

 	
 Environmental Defense
 Section

 	
  

 
	
  

 	
  

 	
  

 	
 999
 18th Street,
 South Terrace, Suite 370 

 	
  

 
	
  

 	
  

 	
  

 	
 Denver, CO
 80202

 	
  

 

-55-

Signature Page for Consent
Decree regarding United States of America et al. v. Hecla Limited et
al. and consolidated cases, Nos. 96-0122-N-EJL,
91-0342-N-EJL, and 94-0206-N-HLR, relating to the Bunker Hill Mining and
Metallurgical Complex Superfund Site in Northern Idaho

FOR THE UNITED STATES ENVIRONMENTAL PROTECTION AGENCY:

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Date: 

 	 

 	
  

 	 

 	
  

 
	
  

 	
  

 	
  

 	
 DENNIS J. MCLERRAN

 	
  

 
	
  

 	
  

 	
  

 	
 Regional Administrator

 	
  

 
	
  

 	
  

 	
  

 	
 United
 States Environmental Protection Agency,

 
	
  

 	
  

 	
  

 	
 Region 10

 	
  

 
	
  

 	
  

 	
  

 	
 1200 Sixth
 Avenue

 	
  

 
	
  

 	
  

 	
  

 	
 Seattle, WA
 98101

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Date: 

 	 

 	
  

 	 

 	
  

 
	
  

 	
  

 	
  

 	
 TED YACKULIC

 	
  

 
	
  

 	
  

 	
  

 	
 Office of
 Regional Counsel

 	
  

 
	
  

 	
  

 	
  

 	
 United
 States Environmental Protection Agency,

 
	
  

 	
  

 	
  

 	
 Region 10

 	
  

 
	
  

 	
  

 	
  

 	
 1200 Sixth
 Avenue

 	
  

 
	
  

 	
  

 	
  

 	
 Seattle, WA
 98101

 	
  

 

-56-

Signature Page for Consent
Decree regarding United States of America et al. v. Hecla Limited et
al. and consolidated cases, Nos. 96-0122-N-EJL,
91-0342-N-EJL, and 94-0206-N-HLR, relating to the Bunker Hill Mining and
Metallurgical Complex Superfund Site in Northern Idaho

FOR THE COEUR D’ALENE TRIBE

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Date: 

 	 

 	
  

 	 

 	
  

 
	
  

 	
  

 	
  

 	
 CHIEF J.
 ALLAN, Chairman

 	
  

 
	
  

 	
  

 	
  

 	
 Coeur
 d’Alene Tribal Council

 	
  

 
	
  

 	
  

 	
  

 	
 Coeur
 d’Alene Tribe

 	
  

 
	
  

 	
  

 	
  

 	
 P.O. Box 408

 	
  

 
	
  

 	
  

 	
  

 	
 Plummer,
 Idaho 83851

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Date: 

 	 

 	
  

 	 

 	
  

 
	
  

 	
  

 	
  

 	
 HOWARD A.
 FUNKE
Special Counsel

 	
  

 
	
  

 	
  

 	
  

 	
 Coeur
 d’Alene Tribe

 	
  

 
	
  

 	
  

 	
  

 	
 Howard Funke
 & Associates, P.C.

 	
  

 
	
  

 	
  

 	
  

 	
 P.O. Box 969

 	
  

 
	
  

 	
  

 	
  

 	
 Coeur
 d’Alene, Idaho 83816-0969 

 hfunke@indian-law.org

 	
  

 

-57-

Signature Page for Consent
Decree regarding United States of America et al. v. Hecla Limited et
al. and consolidated cases, Nos. 96-0122-N-EJL, 91-0342-N-EJL,
and 94-0206-N-HLR, relating to the Bunker Hill Mining and Metallurgical Complex
Superfund Site in Northern Idaho

FOR THE STATE OF IDAHO

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Date: 

 	 

 	
  

 	 

 	
  

 
	
  

 	
  

 	
  

 	
 C.L. “BUTCH” OTTER

 	
  

 
	
  

 	
  

 	
  

 	
 Governor, State of Idaho

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Date: 

 	 

 	
  

 	 

 	
  

 
	
  

 	
  

 	
  

 	
 DARRELL G. EARLY

 	
  

 
	
  

 	
  

 	
  

 	
 Deputy Attorney General

 	
  

 
	
  

 	
  

 	
  

 	
 Office of the Idaho
 Attorney General

 	
  

 
	
  

 	
  

 	
  

 	
 Environmental Quality
 Section

 	
  

 
	
  

 	
  

 	
  

 	
 1410 N. Hilton

 	
  

 
	
  

 	
  

 	
  

 	
 Boise, ID 83706

 	
  

 

-58-

Signature Page for Consent
Decree regarding United States of America et al. v. Hecla Limited et
al. and consolidated cases, Nos. 96-0122-N-EJL,
91-0342-N-EJL, and 94-0206-N-HLR, relating to the Bunker Hill Mining and
Metallurgical Complex Superfund Site in Northern Idaho

FOR HECLA LIMITED

	
  

 	
  

 	
  

 
	
 Date: May 6, 2011

 	
 /s/ Dean W.A. McDonald

 	
  

 
	
  

 	
 Dean W.A. McDonald

 	
  

 
	
  

 	
 President

 	
  

 

-59-

Signature Page for Consent
Decree regarding United States of America et al. v. Hecla Limited et
al. and consolidated cases, Nos. 96-0122-N-EJL,
91-0342-N-EJL, and 94-0206-N-HLR, relating to the Bunker Hill Mining and
Metallurgical Complex Superfund Site in Northern Idaho

FOR HECLA MINING COMPANY

	
  

 	
  

 	
  

 
	
 Date: May 6, 2011

 	
 /s/ Phillips S. Baker, Jr.

 	
  

 
	
  

 	
 Phillips S.
 Baker, Jr.

 	
  

 
	
  

 	
 CEO &
 President

 	
  

 

-60-

Signature Page for Consent
Decree regarding United States of America et al. v. Hecla Limited et
al. and consolidated cases, Nos. 96-0122-N-EJL,
91-0342-N-EJL, and 94-0206-N-HLR, relating to the Bunker Hill Mining and
Metallurgical Complex Superfund Site in Northern Idaho

FOR HECLA SILVER VALLEY, INC.

	
  

 	
  

 	
  

 
	
 Date: May 6, 2011

 	
 /s/ Dean W.A. McDonald

 	
  

 
	
  

 	
 Dean W.A.
 McDonald

 	
  

 
	
  

 	
 President

 	
  

 

-61-

Signature Page for Consent
Decree regarding United States of America et al. v. Hecla Limited et
al. and consolidated cases, Nos. 96-0122-N-EJL,
91-0342-N-EJL, and 94-0206-N-HLR, relating to the Bunker Hill Mining and
Metallurgical Complex Superfund Site in Northern Idaho

FOR SILVER HUNTER MINING COMPANY

	
  

 	
  

 	
  

 
	
 Date: May 6, 2011

 	
 /s/ Dean W.A. McDonald

 	
  

 
	
  

 	
 Dean W.A. McDonald

 	
  

 
	
  

 	
 President

 	
  

 

-62-

Signature Page for Consent
Decree regarding United States of America et al. v. Hecla Limited et
al. and consolidated cases, Nos. 96-0122-N-EJL,
91-0342-N-EJL, and 94-0206-N-HLR, relating to the Bunker Hill Mining and
Metallurgical Complex Superfund Site in Northern Idaho

FOR HLT, INC.

	
  

 	
  

 	
  

 
	
 Date: May 6, 2011

 	
 /s/ James A. Sabala

 	
  

 
	
  

 	
 James A. Sabala

 	
  

 
	
  

 	
 President

 	
  

 

-63-

	
  

 
	
 Appendix A 

 
	

 

 
	
 Environmental Covenant

 

Recording
Requested By and 

When Recorded Return to: 

	
  

 
	
  

 
	
 SPACE ABOVE
 THIS LINE FOR RECORDERS USE ONLY 

 

THIS PROPERTY IS SUBJECT TO AN ENVIRONMENTAL
COVENANT IMPOSING ACTIVITY AND USE LIMITATIONS PURSUANT TO THE UNIFORM
ENVIRONMENTAL COVENANTS ACT, IDAHO CODE § 55-3001, et seq.

ENVIRONMENTAL COVENANT

This
instrument is an Environmental Covenant (“Environmental Covenant”) executed by
Hecla Limited (“Hecla”), the United States Environmental Protection Agency
(“EPA”), and the Idaho Department of Environmental Quality (“Department”)
pursuant to the Uniform Environmental Covenants Act, Idaho Code §§ 55-3001
through 3015. This Environmental Covenant sets forth protective provisions,
covenants, restrictions and conditions (collectively referred to as “Activity
and Use Limitations”) on the Property described below. The Activity and Use
Limitations are designed to protect natural resources, human health and the
environment. Hecla is a “Holder” as defined in Idaho Code § 55-3002(6). Hecla,
as the current property owner, grants this Environmental Covenant to EPA and
the Department. 

Property. This Environmental Covenant concerns
real property located in the County of Shoshone, State of Idaho, legally
described as [INSERT LOT AND TOWNSHIP] (hereafter referred to as “the
Property”). The Property is legally described in the attached Schedule A.
[Attach map if available] 

Property Ownership. Hecla hereby represents
and warrants to the other signatories to this Environmental Covenant that it is
the sole owner of the Property as of the date this Environmental Covenant is
executed, holds fee simple title to the Property, and has the power and
authority to enter into this Environmental Covenant. [This will change for
partial ownership] 

Reason for Activity and Use Limitations.
Historic mine wastes have been identified on, or may exist on, certain portions
of the Property. On [INSERT DATE], Hecla entered into a Consent Decree with the
United States and State of Idaho in United
States of America v. Hecla Limited, Nos. 96-0122-N-EJL,
91-0342-N-EJL, and No. 94-0206-N-HLR, United States District Court, State of
Idaho (the “Consent Decree”), which provides for, or in the future may provide
for, the 

1

remediation of
certain portions of the Property. The Consent Decree was entered by the Court
on [INSERT DATE]. This Environmental Covenant is required because any
remediation which is conducted may leave residual concentrations of lead,
arsenic, cadmium and zinc in soil and residual concentrations of lead, cadmium
and zinc in groundwater underlying the Property. This Environmental Covenant
ensures EPA and the Department necessary access and requires that activities on
the Property protect and do not interfere with historic mining features on the
Property that have been remediated. 

Name and Location of Administrative Record. A
copy of the administrative record for EPA decision-making at the Bunker Hill
Mining and Metallurgical Complex Superfund Site (which includes the Property)
can be found at the Wallace Public Library, 415 River Street, Wallace, Idaho
83873 or EPA Field Office, 1910 Northwest Boulevard, Suite 208, Coeur d’Alene,
Idaho, Idaho 83814. 

Activity and Use Limitations. By acceptance
and recordation of this Environmental Covenant, Hecla, and any successors in
interest with respect to the Property, are hereby restricted from using the
Property, or any portion thereof, now or at any time in the future, as
specifically set forth below unless such use has been expressly approved in
writing by the Department: 

          1.
A right of access is granted to the EPA, the Department, any party performing
on behalf of the EPA or the Department and their respective representatives,
employees and contractors for purposes of conducting any activity related to
the Consent Decree, including, but not limited to, those activities listed in
Paragraph 63(a-b) of the Consent Decree. 

          2.
Except as otherwise provided in the Consent Decree, the Property will not be
used in a manner that will materially interfere with or adversely affect the
integrity or protectiveness of the removal or remedial measures taken at the
Site. [Additional language more specific to use restriction will be developed,
if appropriate prior to transfer, in accordance with Paragraph 63(c) of the
Consent Decree.] 

          3.
Groundwater under the Property may not be used for drinking water or other
purposes involving direct human contact, except in the exercise of valid water
rights under Idaho law and in accordance with any applicable regulatory
requirements or except if treated, as necessary, to meet applicable drinking
water standards or direct human contact standards. 

          4.
The Property, and any portion thereof, may be used for commercial and industrial
uses. Any portion of the Property that is identified for remediation or at
which remediation has been completed shall not be used for residential uses or
as a location of a children’s school or daycare center unless site conditions
at that portion of the Property are determined to be protective of human
health. 

Each owner of
the Property, or any portion thereof, shall be solely responsible for
demonstrating that his/her/its use at the time of his/her/its ownership is in
conformity with the Activity and Use Limitations. The Activity and Use
Limitations are imposed due to conditions resulting from identification of
historic mine wastes on portions of the Property. 

2 

Amendment by Consent. The Environmental
Covenant may be amended by consent pursuant to Idaho Code § 55-3010. Except for
an assignment undertaken pursuant to a governmental reorganization, assignment
of the Environmental Covenant to a new Holder is an amendment requiring
consent. 

Termination by Consent. The Activity and Use
Limitations shall apply to the Property or any subdivided portion thereof,
unless Hecla, or its successors in interest, applies to EPA and the Department
to have this Environmental Covenant terminated pursuant to Idaho Code § 55-3010
and demonstrates that: 

          1.
The Property or any subdivided portion thereof is shown in an EPA-or Department-approved
document not to contain contaminated soils or groundwater; or 

          2.
Contaminated soils and groundwater are at levels the EPA and the Department deem
in writing to be adequate for the Property to be developed for unrestricted
use. 

Provisions to Run With the Land. Each and all
of the Activity and Use Limitations shall run with the land, and pass with each
and every portion of the Property, and shall apply to and bind the respective
successors in interest thereof. Each and all of the Activity and Use
Limitations are imposed upon the entire Property unless expressly stated as
applicable to a specific portion of the Property. 

Concurrence of Subsequent Owners Presumed. All
purchasers, lessees, or possessors of any portion of the Property shall be
deemed by their purchase, leasing, or possession of such Property, to be in
accord with the foregoing and to agree for and among themselves, and their
successors, that the Activity and Use Limitations as herein established must be
adhered to and that their interest in the Property shall be subject to the
Activity and Use Limitations contained herein. 

Recording/Filing of Environmental Covenants.
This Environmental Covenant, once fully executed, and any amendment or
termination of the Environmental Covenant, shall be recorded by the Property
owner in the county recorder’s office of every county in which any portion of
the Property subject to the Environmental Covenant is located, as required by
Paragraph 63(c) of the Consent Decree. Within thirty (30) days of the recording
of this Environmental Covenant, or any amendment or termination, the owner at
that time shall provide to the EPA and the Department a copy of this recorded
Environmental Covenant, or any amendment or termination of this Environmental
Covenant. Upon receipt of the copy of the recorded Environmental Covenant, and
any amendment or termination therein, the Department shall post the copy of the
fully executed instrument in the Registry as required by Idaho Code §
55-3012(1). In addition, a copy of the recorded Environmental Covenant, or any
amendment or termination, shall be 

3 

provided by
the owner at that time to the following persons: (a) each person that signed
the Environmental Covenant; (b) each person holding a recorded interest in the
Property; (c) each person in possession of the Property; (d) each municipality
or other local government in which the Property is located; and (e) any other
person the Department requires. The validity of the Environmental Covenant is
not affected by failure to provide a copy of the Environmental Covenant as
required under this section. The Activity and Use Limitations set forth herein
shall be incorporated by reference in each and all deeds and leases of any
portion of the Property. 

Enforcement. The EPA, the Department, and any
party to the Environmental Covenant shall have authority to enforce the
Activity and Use Limitations against the owner(s) at the time of a violation of
this Environmental Covenant and any other person(s) then using the Property.
Failure to comply with any of the Activity and Use Limitations set forth herein
shall be grounds for the EPA, the Department, or their successors to require
that the owner(s) at the time of the violation correct or remove any violations
of this Environmental Covenant. Violation of this Environmental Covenant shall
be grounds for the EPA, the Department, or their successors, to file civil
actions against the owner(s) at the time of the violation as provided by law or
in equity, including without limitation, the Uniform Environmental Covenants
Act, Idaho Code § 55-3011. 

Notice of Conveyance of Property. Within
thirty (30) days of the closing of any conveyance of the Property, or part
thereof, the conveyor of the Property shall provide written notice of the fact
of conveyance to the EPA and the Department and each municipality or other
local government in which the Property is located. Such notice shall include
the name and address of all the then owners and/or occupants of the Property,
or part thereof, conveyed. The EPA and the Department shall not, by reason of
this Environmental Covenant, have authority to approve, disapprove, or
otherwise affect any conveyance of the Property except as otherwise provided by
law. 

Notices. All notices required or permitted to
be given hereunder shall be in writing and mailed in the United States Mail,
postage prepaid, by certified or registered mail, return receipt requested, to
the appropriate address indicated below or at such other place or places as
Hecla or its successors, the EPA or its successors, or the Department or its
successors, may, from time to time, respectively, designate in a written notice
given to the others. Notices which are deposited in the United States Mail in
accordance with the terms of this provision shall be deemed received three (3)
days after the date of mailing thereof. 

	
  

 	
  

 
	
 Hecla:

 	
 Hecla Mining
 Company

 
	
  

 	
 ATTN:
 General Counsel

 
	
  

 	
 6500 N.
 Mineral Dr., Suite 200

 
	
  

 	
 Coeur
 d’Alene, ID 83815-9408

 
	
  

 	
  

 
	
           EPA:

 	
 United
 States Environmental Protection Agency

 
	
  

 	
 ATTN: ___________________

 

4

	
  

 	
  

 
	
  

 	
 1200 Sixth
 Avenue, Suite 900

 
	
  

 	
 Seattle,
 Washington 98101

 
	
  

 	
  

 
	
           IDEQ:

 	
 Idaho
 Department of Environmental Quality

 
	
  

 	
 ATTN: ___________________

 
	
  

 	
 1410 N. Hilton

 
	
  

 	
 Boise, ID
 83706

 

Costs and Expenses. All costs of terminating
this Environmental Covenant, including the cost of any remediation or abatement
of any environmental condition related to Activity and Use Limitations
pertaining to the Property, shall be borne by the party seeking such
termination. 

Partial Invalidity. If any portion of the
Environmental Covenant or terms set forth herein is determined to be invalid
for any reason, the remaining portion shall remain in full force and effect as
if such invalidated portion had not been included herein. 

Headings. Headings at the beginning of each
section of this Environmental Covenant are solely for the convenience of the
parties and are not part of the Environmental Covenant. 

Idaho Code References. All references to the
Idaho Code sections include successor provisions. 

Reservation of Rights by EPA and the Department, and Notice to
Subsequent Owners. Notwithstanding any provision of
this Environmental Covenant, the EPA and the Department retain all of their access
and enforcement authorities with respect to the Property under any applicable
statute or rule. Nothing in this
Environmental Covenant shall affect the EPA’s or the Department’s ability to
enforce the terms of the Consent Decree or any other future agreement relating
to remediation of the Property. Nothing in this Environmental Covenant shall
affect the obligations of Settling Companies under the Consent Decree or any
other future agreement with EPA or the State. Nothing in this Environmental Covenant shall affect the
Department’s or EPA’s ability to modify this covenant in accordance with the
authorities set forth in the Uniform Environmental Covenants Act, Idaho Code §§
55-3001 through 3015. 

Reservation of Rights by Hecla. Hecla retains
all of its rights in the Property to the extent that those rights are not
affected by this Environmental Covenant or the Consent Decree. 

No Third-Party Beneficiaries. This
Environmental Covenant is solely for the benefit of EPA, the Department and
Hecla and its successors to the Property. There are no other intended
third-party 

5

beneficiaries,
and the parties hereto expressly disclaim any unintended third-party
beneficiaries to this Environmental Covenant or any part hereof. 

Effective Date. The effective date of this
instrument shall be the date the fully executed Environmental Covenant is
recorded at the county recorder’s office. 

Signature and
Acknowledgments 

6

	
  

 
	
 Appendix B 

 
	

 

 
	
 Protocol

 

PROTOCOL

	
  

 	
  

 
	
 1.

 	
 GUIDING PRINCIPLES 

 

          The
Parties intend this Protocol to provide a cooperative process that allows the
Settling Companies to exercise their right to continue and expand their Mining
Activity within the Site consistent with the need for the United States
Environmental Protection Agency (“EPA”) and the Idaho Department of
Environmental Quality (“IDEQ”) to retain and exercise their decision-making
authority on remedy selection and implementation of response activity in order
to protect human health and the environment. The process embodied in this
Protocol is intended to allow each of these activities to go forward in the
future and provides for coordination between the Parties to minimize the
conflicts between Settling Companies’ future Mining Activity and EPA’s and the
IDEQ’s actions to address the environmental conditions of concern in the Site.
The Parties agree to work together in good faith to achieve these guiding
principles.

          The EPA has identified the Bunker Hill Mining and Metallurgical
Complex Superfund Site located in Northern Idaho for response actions under
CERCLA. The “Site” as defined in the Consent Decree (including this Protocol)
comprises nearly all of the EPA’s Superfund Site (see definition of “Site” in Section IV of the Consent
Decree). EPA’s response actions are ongoing and will continue into the future
at multiple locations within the Site. The Settling Companies have significant
investments and own significant property interests, including mineral rights
such as unpatented mining claims, surface rights, water rights, right-of-ways
and improvements in the Site. Settling Companies will continue to conduct
Mining Activity and make significant investments at their properties within the
Site into the future. 

	
  

 	
  

 
	
 2.

 	
 SCOPE OF PROTOCOL 

 

          This
Protocol applies to Mining Activities undertaken in certain specified locations
in the Upper Basin of the Site. As set forth in more detail below, the
applicability of the various procedures and requirements in this Protocol
depends on the type of Mining Activity being conducted, the location of that
Mining Activity, and whether that Mining Activity affects EPA’s ongoing or
completed response actions. 

          This
Protocol is subject to the provisions of the Consent Decree and is not intended
to alter or amend any terms of the Consent Decree.

          Discussions conducted and
documents submitted pursuant to the Protocol shall be treated as confidential
by the Parties to the extent that Settling Companies assert business
confidentiality claims pursuant to Section XIX (Access to Information) of the
Consent Decree. The Parties intend to request the Court to enter a protective
order to prohibit the disclosure of such confidential information submitted
pursuant to the Protocol.

          Only Settling Companies, EPA, IDEQ, the Tribe, and
the Federal Natural Resource Trustees are participants in this Protocol. 

1

          For
any Mining Activity on lands under the jurisdiction, custody or control of a
Federal Land Management Agency, for which oversight will be conducted by EPA or
IDEQ under this Protocol, EPA or IDEQ shall notify the Federal Land Management
Agency that the Settling Company intends to perform Mining Activities and shall
consult with the Federal Land Management Agency prior to approving any such
Mining Activities. 

	
  

 	
  

 
	
 3.

 	
 DEFINITIONS 

 

          Terms
not defined herein shall have the same definition as provided in the Consent
Decree to which this Appendix B is attached. Terms defined in the plural may
also be used in a singular form. For convenience, Consent Decree definitions
are replicated and attached at Attachment 1. 

          “Active
Mining Operations in Un-Remediated Areas” shall mean all Active Mining
Operations conducted by Settling Companies in the Upper Basin other than Active
Mining Operations in Remediated Areas. 

          “Covered
Exploration Operations in Un-Remediated Areas,” or “Covered Exploration
Operations,” shall mean Exploration Operations in Response Action Areas and
Exploration Operations determined to be Covered Exploration Operations pursuant
to Section 5. A. 

          “Exploration
Operations in Un-Remediated Areas” shall mean all Exploration Operations
conducted by Settling Companies in areas of the Upper Basin other than
Exploration Operations in Remediated Areas. 

          “Federal
Land Management Agencies” shall mean the United States Bureau of Land
Management and the United States Forest Service. 

          “Federal
Natural Resource Trustees” shall mean the United States Department of the
Interior, and the United States Department of Agriculture (including the United
States Forest Service). 

          “Materials
Management Plan” (MMP) shall mean the plan of the same name attached hereto as
Attachment 2. 

          “Mining
Activity” shall mean both Active Mining Operations and Exploration Operations. 

          “Parties”
shall mean the Settling Companies, EPA, IDEQ, the Federal Natural Resource
Trustees, and the Tribe. 

          “Remediated
Areas” shall mean areas in the Upper Basin where response actions are ongoing,
complete, or where a pre-final remedial design report has been prepared (e.g.,
a 60% or similar design level), including areas proximately located thereto as
needed for access (including road construction), staging of response actions,
and consolidation of waste materials.  

          “Response
Action Areas” shall mean locations in the Upper Basin, other than Remediated
Areas, where EPA has proposed or selected response actions, including areas 

2

proximately
located thereto as needed for access (including road construction), staging of
response actions, and consolidation of waste materials. As of the date of this
Protocol, these locations are identified in EPA’s Focused Feasibility Study
Alternative 3+ in the July 2010 Final Draft Focused Feasibility Study Report
for the Upper Basin ROD Amendment. 

          “Upper
Basin” shall mean that geographic area including the South Fork of the Coeur d’
Alene River drainage east of the confluence of the South Fork and North Fork of
the Coeur d’ Alene River, including the Box, but excluding the Lucky Friday
Active Area. 

	
  

 	
  

 
	
 4.

 	
 ANNUAL MEETING 

 

          Pre-meeting
Information. By February 1 of each year, the Settling Companies shall, to
the extent known, provide EPA, IDEQ, and the Trustees with detailed information
identifying the areas of all Mining Activity that Settling Companies intend to
undertake in the Upper Basin during that year and any plans for the next two-
and five-year periods, including the route of access for such Mining Activity.
Any Mining Activity that cannot timely be identified at or before the annual
meeting shall be identified in writing by Settling Companies as soon as
possible, but at least thirty (30) days in advance of the proposed activity.
The notice shall identify the location and schedule for the activity and a
description of the activity, including the route of access for the activity.

          By February 1 of each year, EPA and DEQ shall, to the extent known, provide
Settling Companies detailed information identifying the locations of response
actions that EPA or IDEQ intend to undertake in the Upper Basin during that
year and any plans for response actions during the next two and five year
periods, including descriptions of the response actions and the route of access
for such response actions. Any response actions that cannot be timely
identified prior to or at the annual meeting provided for in this Section shall
be identified in writing by EPA and IDEQ as soon as possible, but at least
thirty (30) days in advance of the response action. The notice shall identify
the location and the schedule for the response action and a description of the
response action, including the route of access for that response action. 

          Annual
Meeting. At least once a year on or before March 1, the Parties shall meet,
provide notice of and confer on:

	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 all Mining
 Activity in the Upper Basin any Settling Company proposes to undertake during
 that year and, to the extent known, during the next two and five year
 periods;

 
	
  

 	
  

 	
  

 
	
  

 	
 B.

 	
 all response
 actions within the Upper Basin that either EPA or the IDEQ proposes to
 undertake during that year or, to the extent known, during the next two- and
 five-year periods; and 

 
	
  

 	
  

 	
  

 
	
  

 	
 C.

 	
 any work
 plans or details, as further described herein, relating to such proposed
 Mining Activity or any such proposed response actions by any Party, which
 shall be shared with the other Parties by February 1. 

 

          One
purpose of the meeting is to share planning information in order to minimize
conflicts and facilitate the ability of each Party to undertake its planned
activities as scheduled. 

3

Among other
things, during the annual meeting, the Parties intend to identify areas where
they may share interests and identify potential conflicts and try to resolve
the same. Another purpose of the meeting is to identify for each of Settling
Companies’ planned activities the provisions of the Protocol that apply to that
activity. 

          The
annual meeting may include a field visit (subject to winter access) to view
locations and access routes contemplated for Mining Activity and Response
Actions. In addition, the Parties may schedule additional meetings, and, as
necessary, develop schedules for exchanges of their respective planning or
other related documents. 

          The
Trustees may attend the annual meeting and all other coordinating meetings
between EPA, the State, and Settling Companies held pursuant to Protocol, and
the Trustees shall be provided with copies of all materials exchanged pursuant
to the Protocol. EPA and the State intend, to the extent practicable, to keep
the Trustees informed of coordination meetings under the Protocol. 

	
  

 	
  

 
	
 5.

 	
 EXPLORATION OPERATIONS 

 

          Settling
Companies’ Exploration Operations in the Site shall comply with all applicable
best management practices (“BMPs”). 

          A. Exploration
Operations In Un-Remediated Areas 

          The
following provisions apply to Exploration Operations in Un-Remediated Areas: 

	
  

 	
  

 	
  

 
	
  

 	
  (1)

 	
 Determining which Exploration Operations are Covered Exploration
 Operations in Un-Remediated Areas. 

 

          For
all Exploration Operations in Un-Remediated Areas that are identified as set
forth above in Section 4 (Annual Meeting), EPA and the Settling Companies will
determine whether each Exploration Operation is a Covered Exploration
Operation. This determination will be made at the annual meeting described in
Section 4 or as soon a practicable after written notice of Exploration
Operations is given. Exploration Operations that will occur in Response Action
Areas are Covered Exploration Operations. In addition, EPA may request that
Exploration Operations outside of Response Action Areas be included as Covered
Exploration Operations if EPA determines there is a threatened release of Waste
Materials present at the Site prior to the Lodging Date as a result of those
Exploration Operations. If Settling Companies and EPA disagree about whether to
include any Exploration Operations as Covered Exploration Operations, EPA and
the State shall consult and make a determination within fourteen (14) days of
notice from the Settling Companies that they disagree with EPA’s inclusion of
those Exploration Operations as Covered Exploration Operations. If EPA and the
State agree that such Exploration Operations should be Covered Exploration
Operations, then those Exploration Operations shall be Covered Exploration
Operations. If EPA and the State do not agree that such Exploration Operations
should be Covered Exploration Operations, then those Exploration Operations
shall not be Covered Exploration Operations. The outcome of the consultation
between EPA and the State in this paragraph shall not be subject to further
dispute resolution under the Consent Decree (including this Protocol). 

4

	
  

 	
  

 	
  

 
	
  

 	
  (2)

 	
 Requirements For Covered Exploration Operations. 

 

          Settling
Companies shall comply with the MMP attached hereto at each Covered Exploration
Operation. 

          By
October 15 of the year during which the Covered Exploration Operations are
performed, the Settling Company will certify and document for each Covered
Exploration Operation that has been completed by October 1 of that year.
Settling Companies shall certify and document for each Covered Exploration
Operation that continues after October 1, through the end of the calendar year,
within 30 days of completion of that Covered Exploration Operation:

	
  

 	
  

 	
  

 
	
  

 	
 a.

 	
 Compliance
 with the MMP, including requirements pertaining to waste and water
 management, permits, and other legal requirements (i.e., applicable federal, IDEQ and local laws);

 
	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 The
 environmental conditions of the area subject to the Exploration Operation
 before and after the Exploration Operation; and 

 
	
  

 	
  

 	
  

 
	
  

 	
 c.

 	
 If
 applicable, compliance with any work plan approved pursuant to Section
 5.C.(3). 

 

          IDEQ
shall evaluate Settling Companies’ compliance with the MMP by reviewing the
self-certifications required by this Section 5.A.(2) and by performing field
inspections. IDEQ may perform a field inspection of any Covered Exploration
Operation. During such a field inspection, if IDEQ determines the Settling
Company has failed to comply with the MMP, then IDEQ may direct Settling
Company to modify the Exploration Operation so that the Exploration Operation
complies with the MMP. 

          If
IDEQ determines that any Covered Exploration Operation is not in compliance
with the requirements of this Protocol, then, in addition to the actions
authorized by this Section 5.A, IDEQ may take further actions as provided in
Section 7.A. (Enforcement and Dispute Resolution). 

	
  

 	
  

 	
  

 
	
  

 	
  (3)

 	
 Additional requirements for certain Covered Exploration Operations in
 Un-Remediated Areas. 

 

          In
addition to the above requirements of Section 5.A.(2) for Covered Exploration
Operations, whenever a planned Covered Exploration Operation and EPA’s response
activities are scheduled to occur in the same or proximate location and at the
same times such that they potentially conflict, the following requirements
apply: 

	
  

 	
  

 	
  

 
	
  

 	
 a.

 	
 The Settling
 Companies shall meet with EPA and IDEQ to discuss an approach and schedule
 for coordinating the implementation of the Covered Exploration Operations and
 EPA’s response activities.

 
	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 If Settling
 Companies and EPA are unable within twenty one (21) days to agree upon an
 approach and schedule for implementing the Covered 

 

5

	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Exploration
 Operations and remediation, EPA shall within fifteen (15) days issue a
 decision for such an approach and schedule that is subject to the dispute
 resolution process, excluding informal negotiations pursuant to Consent
 Decree ¶ 80 (informal negotiation provision).

 
	
  

 	
  

 	
  

 
	
  

 	
 c.

 	
 If the
 Settling Companies and EPA agree to an approach and schedule for implementing
 Covered Exploration Operations or if EPA issues a decision that provides for
 such implementation, the Settling Companies shall, subject to the dispute
 resolution provisions of the Consent Decree’s dispute resolution process,
 excluding informal negotiations pursuant to Consent Decree ¶ 80 (informal
 negotiation provision), implement the Exploration Operations in accordance
 with the conditions of this Section 5.A or elect in the Settling Companies’
 sole discretion not to proceed with the Covered Exploration Operation. 

 

          B. Exploration
Operations that are not Covered Exploration Operations. 

          Except
as provided in this paragraph, Exploration Operations in Un-Remediated Areas
that are not Covered Exploration Operations are not subject to any further
requirements under this Protocol. However, as provided in Paragraph 75 of the
Consent Decree and Section 9.D of this Protocol, such Exploration Operations
remain subject to all other applicable federal, state, or other legal
requirements. In addition, IDEQ will inspect such Exploration Operations. If
IDEQ determines that an Exploration Operation is not in compliance with BMPs or
that the Exploration Operation may be out of compliance with other applicable
requirements relating to environmental protection, then IDEQ shall provide
written notice to the Settling Company of the alleged non-compliance with BMPs
or other applicable requirements within DEQ’s jurisdiction, and that
Exploration Operation shall, as to such alleged non-compliance, be immediately
treated as a Covered Exploration Operation for purposes of this Protocol,
including MMP compliance prospectively and self-certification. If IDEQ
identifies compliance issues related to environmental laws or regulations
outside of its jurisdiction, IDEQ will notify the appropriate regulatory
entity, including, as applicable, the appropriate Federal Land Management
Agency. 

          C. Exploration
Operations in Remediated Areas. 

                    (1)          Exploration
Operations in Remediated Areas shall comply with the requirements of Section
5.A.(2), except that EPA shall perform the State’s roles set forth in that
Section.

                    (2)          For
each Exploration Operation in Remediated Areas, Settling Companies shall,
within forty-five (45) days of notifying EPA of such Exploration Operation,
develop and submit a work plan for EPA review and approval that: 

	
  

 	
  

 	
  

 
	
  

 	
 a.

 	
 Describes
 whether and how the Exploration Operation may impact the remedy;

 
	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 Identifies
 and describes plans and specifications for managing or addressing the impacts
 to the remedy and/or to repair the remedy; 

 

6

	
  

 	
  

 	
  

 
	
  

 	
 c.

 	
 Provides
 plans and specifications (engineered, if necessary) that identify how the
 remedy will meet performance standards and design specifications of the
 remedy as originally implemented after any necessary repair.

 

                    (3)          EPA
shall approve or disapprove the work plan submitted under Section 5.C.(2)
within thirty (30) days of receipt of the work plan. If EPA disapproves a
submitted work plan, it shall notify the Settling Company in writing,
identifying the alleged deficiencies. Settling Company shall have fifteen (15)
days from receipt to submit a revised work plan addressing the alleged
deficiencies. EPA shall have thirty (30) days to review and approve or
disapprove, in writing, the revised work plan. If Settling Companies dispute
EPA’s decision to approve or disapprove the revised work plan, the dispute
shall be resolved pursuant to the dispute resolution provisions of the Consent
Decree, excluding informal negotiations pursuant to Paragraph 81 (Dispute
Resolution). 

                    (4)          EPA
may approve a work plan that provides for a remedial repair that does not meet
performance standards and design specifications of the remedy originally
implemented if the repairs provide a level of protection to human health and
the environment at least as protective as the originally implemented remedy. 

                    (5)          Settling
Companies may not conduct the Exploration Operation in Remediated Areas until
the work plan has been approved by EPA. Settling Companies shall implement the
work plan as approved by EPA, or elect, at the Settling Company’s sole
discretion, not to proceed with the Exploration Operation under the work plan.

                    (6)          After
the Exploration Operation is complete, the Settling Companies shall provide
documentation demonstrating to EPA that the work plan was implemented as
approved, the impacts to the remedy have been addressed and/or the remedy has
been repaired as approved.

                    (7)          If
EPA subsequently determines that any Settling Company has not implemented a
work plan as approved by EPA or that the implemented work fails to meet
performance objectives or design specifications included in that work plan,
then EPA may do one or more of the following:

	
  

 	
  

 	
  

 
	
  

 	
 a.

 	
 EPA may
 require Settling Companies to submit to EPA for review and approval a
 corrective work plan, including a schedule, to implement said work plan as
 approved. EPA shall make a determination to approve or disapprove said work
 plan within twenty-one (21) days of submittal by Settling Companies. If EPA
 approves the work plan, the Settling Companies shall implement this work plan
 as approved and submit documentation demonstrating compliance with the
 corrective work plan (including a demonstration of compliance with
 performance objectives and design specifications in the work plan). If EPA
 disapproves the work plan, EPA may require re-submittal of the disapproved
 work plan under the procedures and schedule in this Section 5.C.(7).a.; or

 

7

	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 EPA may
 perform additional work if EPA disapproves the corrective work plan submitted
 by Settling Companies under Section 5.C.(7).a., or if the Settling Company’s
 implementation of a work plan under Section 5.C.(7).a does not meet the
 requirements of that work plan. EPA may recover from Settling Companies its
 costs of performing such work under this Section 5.C.(7).b. 

 

	
  

 	
  

 
	
 6.

 	
 ACTIVE MINING OPERATIONS 

 

          Active
Mining Operations shall be subject to the requirements of this section. 

          A. Active Mining
Operations in Un-Remediated Areas 

          The
following requirements apply to Active Mining Operations in Un-Remediated
Areas:

                    (1)          Within
thirty (30) days of receipt of notice pursuant to Section 4 that Settling
Companies intend to undertake an Active Mining Operation, EPA shall determine
whether a work plan for that Active Mining Operation is required. If EPA
determines that a work plan is needed in connection with the Active Mining
Operation, the provisions in this Section 6.A shall apply to the preparation,
approval, and implementation of that work plan. Settling Companies may dispute
EPA’s determination that a work plan is required pursuant to the Dispute
Resolution provision in Section XXII of the Consent Decree. EPA may require a
work plan under the following circumstances:

	
  

 	
  

 	
  

 
	
  

 	
 a.

 	
 the Active
 Mining Operation is in a Response Action Area,

 
	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 EPA
 determines that the Active Mining Operation may limit EPA’s ability to
 perform its planned response actions in a Response Action Area, by limiting
 access to or use of locations outside the Response Action Area needed, for
 example, for access, staging or waste consolidation, or, 

 
	
  

 	
  

 	
  

 
	
  

 	
 c.

 	
 EPA
 determines that the Active Mining Operation may cause releases of Waste
 Materials present in the Upper Basin prior to the Lodging Date.

 

                    (2)          Settling
Companies shall develop and submit to EPA a work plan before initiating or
expanding an Active Mining Operation if EPA determines pursuant to Section
6.A(1) above that such a work plan is needed. The submitted work plan shall, as
applicable:

	
  

 	
  

 	
  

 
	
  

 	
 a.

 	
 Define the
 footprint of the Active Operations area such that EPA can determine what
 response actions may need to be completed prior to Settling Companies’
 activities.

 
	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 Define the
 Active Operations project schedule. 

 
	
  

 	
  

 	
  

 
	
  

 	
 c.

 	
 Define the
 timing of demolition of existing structures and other constructed features.

 

8

	
  

 	
  

 	
  

 
	
  

 	
 d.

 	
 Identify
 other required earthmoving activities.

 
	
  

 	
  

 	
  

 
	
  

 	
 e.

 	
 Describe how
 impacts associated with the Active Mining Operation will be documented,
 including but not limited to an assessment of pre-development conditions,
 appropriate monitoring data, and an assessment of post-development
 conditions.

 
	
  

 	
  

 	
  

 
	
  

 	
 f.

 	
 Describe
 whether and how the Active Mining Operation will affect Waste Materials
 present at the time the Active Mining Operations is initiated and what steps
 will be taken to prevent the release of those Waste Materials into the
 environment.

 
	
  

 	
  

 	
  

 
	
  

 	
 g.

 	
 Describe
 whether and how the Active Mining Operation may impact any remediation to be
 conducted in a Response Action Area and what steps will be taken to address
 any such impact.

 
	
  

 	
  

 	
  

 
	
  

 	
 h.

 	
 Identify
 special conditions that may require additional consideration and planning.

 

                    (3)          Settling
Companies shall submit a work plan as described in Section 6.A.(2) above within
forty-five (45) days of EPA’s determination that a work plan is needed for such
Active Mining Operation. EPA shall review the submitted work plan and shall
determine, based on potential conflicts with EPA’s planned response activities,
whether to follow the process in sub-paragraph (4) or sub-paragraph (5) below.

                    (4)          Coordination
Process Where Active Mining Operations May Conflict With EPA’s Response
Activities. 

                                   Whenever
a planned Active Mining Operations may prevent EPA from performing its response
actions, then at the written request of EPA:

	
  

 	
  

 	
  

 
	
  

 	
 a.

 	
 Settling
 Companies shall meet with EPA to discuss an approach and schedule for
 coordinating the implementation of the work plan and response action.

 
	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 EPA will
 prepare and provide the Settling Companies within ninety (90) days of the
 meeting with a schedule for completing the necessary response actions that
 considers the schedule submitted in Section 6.A.(2).b. above, but which also
 must consider:

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
      i.            disposal
 of contaminated waste materials, including the time needed to develop,
 design, and construct a waste repository;

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
      ii.          the
 time needed to construct the infrastructure to collect, transport, and treat
 contaminated water from the area in and around the Active Mining Operation;

 

9

	
  

 	
  

 	
  

 
	
  

 	
  

 	
      iii.         the
 time needed to design the response actions and to procure and implement a
 construction contract to perform the response actions; and

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
      iv.         other
 relevant considerations.

 
	
  

 	
  

 	
  

 
	
  

 	
 c.

 	
 If the EPA
 and Settling Companies s are unable to timely agree upon an approach and
 schedule for implementing the work plan and response actions, EPA will within
 21 days of providing the Settling Companies with its schedule, issue a
 decision for such an approach and schedule that is subject to the Consent
 Decree’s dispute resolution process.

 
	
  

 	
  

 	
  

 
	
  

 	
 d.

 	
 If the
 Settling Companies and EPA agree to an approach and schedule for implementing
 the work plan, or if EPA issues a decision that provides for such
 implementation, the Settling Companies shall implement the work plan;
 provided however, Settling Companies shall have the right, in their sole
 discretion, to not proceed with the Active Mining Operation under the
 schedule and work plan.

 

                    (5)          Coordination
Process Where Active Mining Operations Will Not Conflict With EPA’s Response
Activities. EPA, after consultation with the State, shall review and
approve or disapprove the work plan within forty-five (45) days of receipt of
the work plan. If EPA disapproves a submitted work plan, it shall notify the
Settling Company in writing, identifying the alleged deficiencies. Settling
Company shall have forty-five (45) days from receipt to submit a revised work
plan addressing the alleged deficiencies. EPA shall have forty-five (45) days
from receipt of the revised work plan to review and approve or disapprove, in
writing, the revised work plan. If Settling Companies dispute EPA’s decision to
approve or disapprove the revised work plan, the dispute shall be resolved
pursuant to the dispute resolution provisions of the Consent Decree, excluding
informal negotiations, pursuant to Section XXII (Dispute Resolution).

                    (6)          Changes
in the Field. Settling Companies shall provide seven (7) days advance
written notice to the designated EPA Remedial Project Manager (RPM) of requested
field changes to the approved work plan. All field changes must be approved by
the designated RPM before being implemented. If the Settling Companies are
unable to provide such written notice, the field change may be implemented if
EPA’s RPM approves the field change verbally or in writing. A verbal approval
requires written confirmation within seven (7) days of the verbal approval.

                    (7)          Settling
Companies may not conduct those portions of the Active Mining Operation covered
by the work plan in Section 6.A.(2)(e) – (h), as applicable, until the work
plan has been approved by EPA. Settling Companies will implement the work plan
as approved by EPA, provided however, the Settling Companies may elect, in
their sole discretion, not to proceed with the Active Mining Operation
activities associated with the work plan. 

10

                    (8)          After
the work plan is implemented, the Settling Companies shall provide
documentation demonstrating to EPA that the work plan was implemented as
approved.

                    (9)          If
EPA subsequently determines that any Settling Company has not implemented a
work plan as approved by EPA or that the implemented work fails to meet
performance objectives or design specifications included in that work plan,
then EPA may do one or more of the following:

	
  

 	
  

 	
  

 
	
  

 	
 a.

 	
 EPA may require
 Settling Companies to submit to EPA for review and approval a corrective work
 plan, including a schedule, to implement said work plan as approved. EPA shall
 make a determination to approve or disapprove said work plan within
 forty-five (45) days of submittal by Settling Companies. If EPA approves the
 work plan, the Settling Companies shall implement this work plan as approved
 and submit documentation demonstrating compliance with the corrective work
 plan (including a demonstration of compliance with performance objectives and
 design specifications in the work plan). If EPA disapproves the work plan,
 EPA may require re-submittal of the disapproved work plan under the
 procedures and schedule in this Section 6.A.(9).a.; or

 
	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 EPA may
 perform additional work if EPA disapproves the corrective work plan submitted
 by Settling Companies under Section 6.A.(9).a., or if the Settling Company’s
 implementation of a work plan under this Section 6.A.(9).a does not meet the
 requirements of that work plan. EPA may recover from Settling Companies its
 costs of performing such work under this Section 6.A.(9).a.

 

          B. Active Mining
Operations in Remediated Areas 

          The
following requirements apply to Active Mining Operations in Remediated Areas:

                    (1)          Settling
Companies shall develop and submit to EPA a work plan before initiating or
expanding an Active Mining Operation. This work plan shall:

	
  

 	
  

 	
  

 
	
  

 	
 a. 

 	
 Document
 impacts to Remediated Areas, including but not limited to assessing
 pre-development conditions, monitoring, and assessing post-development
 conditions.

 
	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 Describe
 whether and how the Active Mining Operation may impact the implemented
 remedy;

 
	
  

 	
  

 	
  

 
	
  

 	
 c.

 	
 Identify and
 address plans and specifications for managing or addressing any impacts;

 
	
  

 	
  

 	
  

 
	
  

 	
 d.

 	
 Provide
 engineered plans and specifications that identify how any repairs to the
 remedy will continue to meet performance standards and design specifications
 of the remedy as originally implemented. 

 

11

                    (2)          EPA,
after consultation with the State, shall have seventy-five (75) days to review
and approve or disapprove the work plan. If EPA disapproves a submitted work
plan, it shall notify the Settling Company in writing, identifying the alleged
deficiencies. Settling Company shall have forty-five (45) days from receipt to
submit a revised work plan addressing the alleged deficiencies. EPA shall have
forty-five (45) days to review and approve or disapprove, in writing, the
revised work plan. If Settling Companies dispute EPA’s decision to approve or
disapprove the revised work plan, the dispute shall be resolved pursuant to the
dispute resolution provisions of the Consent Decree, excluding informal
negotiations pursuant to Paragraph 81 (Dispute Resolution).

                    (3)          Settling
Companies shall provide seven (7) days advance written notice to the designated
EPA Remedial Project Manager (RPM) of requested field changes to the approved
work plan. All field changes must be approved by the designated RPM before
being implemented. If the Settling Companies are unable to provide such written
notice, the field change may be implemented if EPA’s RPM approves the field
change verbally or in writing. A verbal approval requires written confirmation
within seven (7) days of the verbal approval.

                    (4)          EPA
may approve a work plan that provides for a response that does not meet
performance standards and design specifications of the remedy originally
implemented if the response provides a level of protection to human health and
the environment at least as protective as the originally implemented remedy,
providing, however, the Settling Companies may elect, in their sole discretion,
not to proceed with Active Mining Operation activities associated with the work
plan.

                    (5)          Settling
Companies may not conduct the Active Mining Operation until the work plan has
been approved by EPA.

                    (6)          If
approved, the Settling Companies shall implement the work plan as approved and
provide documentation demonstrating to EPA that any impacts to the remedy have
been addressed and/or the remedy has been repaired as approved.

                    (7)          If
EPA subsequently determines that any Settling Company has not implemented a
work plan as approved by EPA or that the implemented work fails to meet
performance objectives or design specifications included in that work plan,
then EPA may do one or more of the following:

	
  

 	
  

 	
  

 
	
  

 	
 a. 

 	
 EPA may require
 Settling Companies to submit to EPA for review and approval a corrective work
 plan, including a schedule, to implement said work plan as approved. EPA shall
 make a determination to approve or disapprove said work plan within
 forty-five (45) days of submittal by Settling Companies. If EPA approves the
 work plan, the Settling Companies shall implement this work plan as approved
 and submit documentation demonstrating compliance with the corrective work
 plan (including a demonstration of compliance with performance objectives and
 design specifications in the work plan). If EPA disapproves the work plan,
 EPA may require re-submittal of the 

 

12

	
  

 	
  

 	
  

 
	
  

 	
  

 	
 disapproved
 work plan under the procedures and schedule in this Section 6.B.(7).a.; or 

 
	
  

 	
  

 	
  

 
	
  

 	
 b.

 	
 EPA may
 perform additional work if EPA disapproves the corrective work plan submitted
 by Settling Companies under Section 6.B.(7).a., or if the Settling Company’s
 implementation of a work plan under this Section 6.B.(7).a does not meet the
 requirements of that work plan. EPA may recover from Settling Companies its
 costs of performing such work under this Section 6.B.(7).a.

 

	
  

 	
  

 	
  

 
	
 7.

 	
 ENFORCEMENT AND DISPUTE RESOLUTION 

 
	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 Enforcement and Dispute Resolution for Protocol Requirements Overseen
 By the State 

 

          The
following provisions shall govern the enforcement of Protocol requirements
overseen by the State, as well as dispute resolution of alleged violations of
Protocol requirements overseen by the State:

                    (1)
Compliance with the MMP by a Settling Company in connection with an Exploration
Operation shall be evaluated and enforced by the IDEQ. In making such
determinations, IDEQ may conduct onsite inspections and review the self
certifications submitted by a Settling Company. During inspections, IDEQ may
provide verbal direction concerning compliance with the MMP. 

                    (2)
In the event violations of the MMP are not cured during the inspection, IDEQ
shall provide written notice of any finding by IDEQ of violations of the MMP.
The Settling Company receiving the Notice shall have ten (10) days from receipt
of the notice to cure (or, if weather does not permit, a plan to cure as soon
as practicable) any alleged violation. 

                    (3)
In the event of deficient self certifications, IDEQ shall provide written
notice of any finding by IDEQ of incomplete self certification. The Settling
Company receiving the Notice shall have twenty-one (21) days from receipt of
the Notice to correct any alleged violation to which stipulated penalties
pursuant to this Section 7.A.

                    (4)
Uncured violations of any MMP requirements or incomplete self certification
shall result in a stipulated penalty of $1,000 per day for each day of
violation.

                    (5)
In the event a Settling Company fails to cure as required in Section 7.A.2 or
A.3, Stipulated Penalties as specified in Section 7.A.4 shall accrue commencing
upon the date of discovery of the violation. IDEQ shall notify Settling
Companies in writing of such uncured violation and of the amount of any
assessed stipulated penalty associated with such violation. 

                    (6)
If Settling Companies dispute the existence of any uncured violation or the
amount of any stipulated penalty assessed by IDEQ pursuant to Section 7.A.5
above, Settling Companies shall have ten (10) days from receipt of such notice
to request and conduct a conference with IDEQ to resolve the claimed or
“alleged” violation by mutual agreement, including any necessary corrective
action and payment of all or a portion of the stipulated 

13

penalty
assessed, which shall be made within ten (10) days following the conclusion of
the conference. 

                    (7)
If Setting Companies fail to request a conference within ten (10) days,
Settling Companies shall comply with IDEQ’s compliance directive as set out in
the original notice and if applicable, pay the assessed stipulated penalty not later
than thirty (30) days following receipt of the initial notice from IDEQ. 

                    (8)
If the parties are not able to reach agreement at the conference specified in
Section 7.A.6, IDEQ will issue a written decision resolving the dispute not
later than fifteen (15) days after the conclusion of the conference. Any such
decision shall be final and not subject to further dispute resolution. Settling
Defendants shall have fifteen (15) days from the date of receipt of the
decision to comply with the decision and pay any assessed stipulated penalty.

                    (9)
In the event Settling Defendants fail to comply with the IDEQ’s decision,
including a failure to pay any assessed stipulated penalties within the time
period specified, IDEQ may bring a motion in the United States District Court
pursuant to the retained jurisdiction of the Court in this matter to enforce
the decision and collect any assessed stipulated penalty. The motion shall
describe the violation, the assessed stipulated penalty and the parties’
efforts to resolve the violation and shall attach all non-privileged documents
generated in this enforcement process. Proceedings in the Court to resolve the
motion shall be governed by the Federal Rules of Civil Procedure and applicable
local rules. 

	
  

 	
  

 	
  

 
	
  

 	
 B.

 	
 Enforcement and Dispute Resolution for Protocol Requirements Overseen
 By EPA 

 

                    (1)          Violations
of any requirements of this Protocol involving EPA-approved work plans,
including conducting Mining Activities before obtaining EPA approval of
required work plans, failing to correct deficiencies in a work plan previously
disapproved by EPA, and failing to properly implement a work plan, shall result
in stipulated penalties pursuant to Section IX of the Consent Decree (Failure
to Comply with Consent Decree), subject to dispute resolution pursuant to
Section XXII of the Consent Decree. 

                    (2)          Except
for disputes resolved under Section 5.A.(1) of this Protocol, all disputes
under this Protocol between EPA and Settling Companies shall be resolved
pursuant to the dispute resolution provisions in Section XXII of the Consent
Decree (Dispute Resolution). 

	
  

 	
  

 	
  

 
	
  

 	
 C.

 	
 General Provisions Relating To Enforcement 

 

                    (1)          All
enforcement remedies under this Protocol shall be in addition to, and not in
lieu of, penalties, actions, or other enforcement actions otherwise available,
except as provided in the Consent Decree, for any violations of required
permits (including any failure to obtain a permit) or other federal, state or
local laws applicable to Mining Activities. 

                    (2)          The
State, EPA, and the Trustees shall notify each other upon discovery of
potential violations by Settling Companies of this Protocol. 

14

	
  

 	
  

 
	
 8.

 	
 HECLA-STAR COMPLEX 

 

          The
Hecla-Star Complex is an inactive mill and mine site and has the likely
potential to be redeveloped by one or more of the Settling Companies in the
near future. The potential near-term redevelopment involves a mining scenario
and, possibly, a milling scenario, soon thereafter. The first scenario would
involve removing ore through the Star 2000 level to be milled off site with
temporary support structures located on the surface of the Hecla-Star Complex.
The second redevelopment scenario would involve demolition of existing
structures and constructing permanent structures at the Hecla-Star Complex for
milling ore and for supporting Mining Activities. 

          The
Hecla-Star Complex is an area where EPA is likely to implement substantial
remedial work that likely will involve sub-surface excavation of Waste
Materials. Efforts to coordinate Hecla’s redevelopment work with EPA response
actions will be handled under Section 6.A of this Protocol. The Parties intend
to fast track coordination efforts. To this end, the EPA began coordination
efforts immediately upon learning of potential redevelopment of the Star
Complex, and the Parties agree to continue their coordination efforts both
before and after the Lodging Date of the Consent Decree. 

          Based
on discussions to date between EPA and Hecla, EPA believes that its plans and
schedule for remediation of the Hecla-Star Complex can be completed
contemporaneously with removing ore through the Star 2000 level to be milled
off site, with temporary support structures located on the surface of the
Hecla-Star Complex.

          For
the redevelopment involving locating permanent milling facilities at the
Hecla-Star Complex in particular, there are potentially significant logistical
issues and opportunities associated with accommodating both development and
remedial requirements. In order to characterize the Waste Materials to be
remediated, establish the contracts for remediation, and implement the work,
EPA believes that at least three years will be required after the existing
structures are demolished, barring unforeseen circumstances. 

	
  

 	
  

 	
  

 
	
 9.

 	
 GENERAL PROVISIONS

 
	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 Nothing in
 this Protocol shall be construed to modify or limit in any way the
 reservations of rights of the United States, the Tribe, or the State in
 Sections X, XI, XII, or XIV of the Consent Decree. 

 
	
  

 	
  

 	
  

 
	
  

 	
 B.

 	
 Reimbursement
 of EPA Costs. 

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1) Costs incurred by EPA in approval and administration of work
 plans and in conducting work pursuant to this Protocol, and the oversight
 costs by the State pursuant to this Protocol, shall be reimbursed by Settling
 Companies to the extent they incur costs on an annual basis. No later than
 March 31 of each year, EPA shall submit to Settling Companies a bill for
 their costs incurred pursuant to this Protocol during the prior calendar
 year. Settling Companies shall pay the bills within 30 days of receipt,
 subject to the right to invoke Dispute Resolution pursuant to the Consent
 Decree. In the event that Settling Companies invoke Dispute Resolution as to
 some costs, Settling Companies 

 

15

	
  

 	
  

 	
  

 
	
  

 	
  

 	
 shall timely pay EPA for all costs for which Dispute Resolution was
 not invoked.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2) Within
 thirty (30) days of the Annual Meeting specified in Section 4 of this
 Protocol, EPA and Settling Companies shall discuss by telephone or in person
 EPA’s estimate of EPA’s costs for the coming year under this Protocol,
 including the estimated division of costs to be incurred by EPA staff and by
 EPA’s contractors. This cost estimate shall not be binding and shall not be
 used by any party in any dispute with EPA under Section 9.B.(1) regarding
 reimbursement of EPA’s costs by Settling Companies.

 
	
  

 	
  

 	
  

 
	
  

 	
 C.

 	
 Reimbursement
of IDEQ Costs. Settling Companies hereby agree to reimburse the reasonable
costs of the Department incurred in implementing this Protocol in the
following manner: 

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1) Within
 thirty (30) days of the Effective Date, as an initial deposit, Settling
 Companies will pay the sum of ten thousand dollars ($10,000.00) to be
 deposited to an account established for this Agreement. Payment of this
 deposit shall be made to:

 

	
  

 	
  

 
	
  

 	
 Idaho
 Department of Environmental Quality, 

 
	
  

 	
 ATTN: Fiscal
 Office 

 
	
  

 	
 1410 N.
 Hilton 

 
	
  

 	
 Boise, ID
 83706 

 
	
  

 	
 Reference:
 Coeur d’Alene Basin Protocol Cost Recovery 

 

	
  

 	
  

 
	
  

 	
 (2) Within
 thirty (30) days of the Annual Meeting specified in Section 4 of this
 Protocol the IDEQ shall provide Settling Companies with a budget estimate for
 the current years in light of information provided before and at the Annual
 Meeting. This estimate shall not be considered a cap on the amounts billed
 pursuant to this Section but is provided for informational purposes to
 Settling Companies. 

 
	
  

 	
  

 
	
  

 	
 (3) Thereafter,
 the IDEQ shall provide a quarterly accounting and invoice to Hecla of Costs
 incurred by the IDEQ in relation to this Protocol. “Costs” subject to
 reimbursement under this paragraph shall mean all direct or indirect costs
 incurred by the IDEQ after the effective date of the Protocol in connection
 with the Department’s support of Work performed by or on behalf of the IDEQ
 under this Protocol including but not limited to: reasonable time and travel
 costs associated with oversight of the Work performed under the Protocol; the
 IDEQ’s contractor costs; compliance monitoring, including the collection and
 analysis of split samples; Site visits; review and approval or disapproval of
 document submittals; reasonable overhead charges and any other costs directly
 or indirectly incurred in overseeing this Protocol. 

 

16

	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (4) Within
 thirty (30) days of Settling Companies’ receipt of the IDEQ’s quarterly
 accounting invoice, Settling Companies shall reimburse the IDEQ for all costs
 reflected in the accounting invoice.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (5) In
 the event this Protocol is terminated, the initial deposit or such remaining
 amounts as appropriate will be returned to Hecla within sixty (60) days of
 the date the IDEQ receives final payment of all costs.

 
	
  

 	
  

 	
  

 
	
  

 	
 D.

 	
 With respect
 to Mining Activities conducted under this Protocol on federal lands,
 including but not limited to lands that are subject to unpatented mining
 claims, nothing in this Protocol shall be interpreted as exempting the
 Parties from compliance with any otherwise-applicable legal obligations,
 including but not limited to the General Mining Law of 1872, 30 U.S.C.
 Sections 22-54, and the Federal Land Policy and Management Act, 43 U.S.C.
 Section 1701 et seq. and their applicable regulations. Nothing in this
 Protocol shall preclude or limit the Federal Land Management Agencies from
 enforcing violations by Settling Companies of such otherwise-applicable legal
 obligations. Moreover, the State’s role in implementing this Protocol on
 federal lands shall not be construed to expand state jurisdiction or
 authority over federal lands or activities on federal lands, or to restrict
 the authority of the Federal Land Management Agencies to enforce all
 applicable federal laws and regulations.

 
	
  

 	
  

 	
  

 
	
  

 	
 E.

 	
 The Parties
 may select and identify their representatives under this Protocol.

 
	
  

 	
  

 	
  

 
	
  

 	
 F.

 	
 When
 Settling Companies perform reclamation activities at Active Mining Operations
 in the Upper Basin, Settling Companies shall provide EPA, the State, and the
 Trustees with notice of those operations and a copy of the reclamation plans.
 

 
	
  

 	
  

 	
  

 
	
  

 	
 G.

 	
 If EPA fails
 to take an action required under this Protocol within the time period
 provided for that action, Settling Companies may seek Dispute Resolution
 under Section XXII of the Consent Decree to compel that action. 

 

17

ATTACHMENT 1 TO THE PROTOCOL

EXCERPT OF DEFINITIONS FROM CONSENT DECREE

IV. DEFINITIONS

          3.          Unless
otherwise expressly provided in this Consent Decree, terms used in this Consent
Decree that are defined in CERCLA or in regulations promulgated under CERCLA
shall have the meaning assigned to them in CERCLA or in such regulations. Terms
defined in this Section in the plural may also be used in a singular form.
Whenever terms listed below are used in this Consent Decree, including in any
appendix attached hereto, the following definitions shall apply:

          “Active
Mining Operations” shall mean, after the Lodging Date, activities, including
construction activities, related to the extraction, removal or recovery, and
beneficiation of metal ore in commercial quantities, and thereby excludes
Exploration Operations. 

          “Active
Operations” shall mean, after the Lodging Date, all Active Mining Operations
and all business, commercial or industrial activities of any kind other than
Exploration Operations. 

          “Box
Consent Decree” shall mean the consent decree entered on November 18, 1994 in United States, et al. v. Asarco, Inc., et al., Civ.
No. 94-0206-N-HLR, to which Hecla Limited (formerly Hecla Mining Company) is a
party. 

          “Bunker
Hill Mining and Metallurgical Complex Superfund Site Special Account” shall
mean the special account, within the EPA Hazardous Substances Superfund,
established for the Bunker Hill Mining and Metallurgical Complex Superfund Site
by EPA pursuant to Section 122(b)(3) of CERCLA, 42 U.S.C. § 9622(b)(3). 

          “CAA”
shall mean the Clean Air Act, 42 U.S.C. §§ 7401 et seq. 

          “CERCLA”
shall mean the Comprehensive Environmental Response, Compensation, and
Liability Act of 1980, as amended, 42 U.S.C. § 9601, et seq. 

          “Coeur
d’Alene Basin Natural Resource Trustee Account” shall mean the DOI Restoration
Fund NRDAR Account 14X5198. 

          “Consent
Decree” shall mean this Consent Decree and all appendices attached hereto. In
the event of conflict between this Consent Decree and any appendix, this
Consent Decree shall control. 

          “CWA”
shall mean the Clean Water Act, 33 U.S.C. §§ 1251 et seq. 

          The
term “day” shall mean a calendar day. In computing any period of time under
this Consent Decree, where the last day would fall on a Saturday, Sunday, or
federal holiday, the period shall run until the close of business of the next
working day. 

          “DOI
Account For Receiving Stock For The Trustees” shall mean the following account:

	
  

 	
  

 
	
  

 	
 Merrill
 Lynch:

 
	
  

 	
 For Federal
 Book Entry Securities:

 
	
  

 	
 ABA#021000018

 
	
  

 	
 BK of
 NYC/MLGOV

 
	
  

 	
 Further
 Credit to the US Department of the Interior

 
	
  

 	
 Account
 Number: 78L-09001

 

          “DOJ”
shall mean the United States Department of Justice and any successor
departments, agencies or instrumentalities of the United States. 

          “Effective
Date” shall be the date upon which this Consent Decree is entered by the Court
as recorded on the Court docket, or, if the Court instead issues an order
approving the Consent Decree, the date such order is recorded on the Court
docket. 

          “Environmental
Covenant” shall mean a recordable instrument under the Idaho Uniform
Environmental Covenants Act, as amended, in the form of the document attached
as Appendix A and including any site specific conditions selected by EPA, after
consultation with the Idaho Department of Environmental Quality, necessary to
ensure the protectiveness of any remedy implemented on the property. 

          “EPA”
shall mean the United States Environmental Protection Agency and any successor
departments, agencies or instrumentalities of the United States. 

          “EPA
Account For Receiving Stock” shall mean the following account: 

	
  

 	
  

 
	
  

 	
 Merrill
 Lynch:

 
	
  

 	
 DTC#: 5198
 Merrill Lynch

 
	
  

 	
 Account
 Name: U.S. Department of the Treasury

 
	
  

 	
 Further
 Credit to the United States Environmental Protection Agency

 
	
  

 	
 Account#:
 78L-09000

 

          “EPA
Hazardous Substance Superfund” shall mean the Hazardous Substance Superfund
established by the Internal Revenue Code, 26 U.S.C. § 9507. 

          “Exploration
Operations” shall mean activities, after the Lodging Date, performed on the
surface of lands or underground to locate mineral bodies and to determine the
mineability and merchantability thereof, and which are conducted in conformance
with the requirements of the Protocol in Appendix B. These activities include,
but are not limited to, construction of roads or other accesses, trenches, and
drilling. 

          “Federal
Land Management Agencies” shall mean the United States Bureau of Land
Management and the United States Forest Service. 

          “Federal
Lands” shall mean federal lands within the Site, including but not limited to
lands that are subject to unpatented mining claims. 

          “Financial
Information” shall mean those financial documents provided by David Sienko, on
behalf of Settling Companies to Patrick Casey, on behalf of Plaintiffs, on July
15, 2010, July 26, 2010, and August 4, 2010, pursuant to the Protective Order
entered by this Court on May 29, 2008. 

          “Forward-Looking
Information” is that Financial Information provided by Settling Companies to
the Plaintiffs which consists of variable projections and estimates of future
metals prices and of the Settling Companies’ future performance that may not be
accurate predictors of any actual outcome. 

          “Fractional
Interest Property” shall mean any real property within the Site where one or
more of the Settling Companies own less than one hundred percent (100%) of the
interest in the real property as a tenant in common or a joint tenant and one
or more persons or entities who or which are not Settling Companies own the
remaining interest in the real property. 

          “Governors
Trust Fund” shall mean that certain trust fund established by the State of
Idaho and attached to the Box Consent Decree as attachment M. 

          “Hecla
Limited” shall mean Hecla Limited, a Delaware corporation. 

          “Hecla
Mining Company” shall mean Hecla Mining Company, a Delaware corporation. 

          “Hecla-Star
Complex” shall mean the real property and other interests depicted in Appendix
C and related current and future facilities located in or on said property. 

          “IDAPA”
shall mean the official publication of the Administrative Rules of the State of
Idaho as required by the Idaho Administrative Procedures Act. 

          “Institutional
Controls” shall mean any applicable laws, regulations, ordinances, zoning
restrictions, or other governmental controls or notices that: (a) limit land,
water and/or resource 

use to
minimize potential for human exposure to Waste Materials at the Site; (b) limit
land, water and/or resource use to implement, ensure non-interference with, or
ensure the protectiveness of any response action at the Site; and/or (c)
provide information intended to modify or guide human behavior in response to
risks posed by Waste Materials at the Site. 

          “Insurance
Information” shall mean those insurance documents included in Appendix D. 

          “Interest”
shall mean interest at the rate specified for interest on investments of the
EPA Hazardous Substance Superfund established by 26 U.S.C. § 9507, compounded
annually on October 1 of each year, in accordance with 42 U.S.C. § 9607(a). The
applicable rate of interest shall be the rate in effect at the time the
interest accrues. The rate of interest is subject to change on October 1 of
each year. 

          “Lodging
Date” shall mean the date on which this Consent Decree is lodged with the
Court.

          “Lucky Friday Active Area” shall mean the real property and other
interests depicted in Appendix E and related current and future facilities
located in or on said property. 

          “Natural
Resource Trustees,” or “Trustees,” shall mean the United States Department of
the Interior, the United States Department of Agriculture (including the United
States Forest Service), the Tribe, and the State. 

          “Paragraph”
shall mean a portion of this Consent Decree identified by an Arabic numeral or
an upper or lower case letter. 

          “Parties”
(or “Party” in the singular form) shall mean the United States, the Coeur
d’Alene Tribe, the State of Idaho, and Settling Companies. 

          “Performing
Parties” shall mean the United States, the State, the ASARCO Trust, and
potentially responsible parties who have entered into or may enter into an
agreement with the United States or the State for performance of response
actions at the Site. 

          “Plaintiffs”
shall mean the United States, the Coeur d’Alene Tribe, and the State of Idaho. 

          “Pre-Lodging
Interest” shall mean interest calculated at an annual rate of 3.25% on the sum
$197.5 million, from April 15, 2011, through the Lodging Date, if the Lodging
Date is after April 15, 2011. 

          “Proprietary
Controls” shall mean: (1) easements or covenants running with the land that
limit land, water use, or resource use and/or provide access rights; and (2)
are created pursuant 

to common law
or statutory law by an instrument that is recorded by the owner in the
appropriate land records office. 

          “Protocol”
shall mean the document attached as Appendix B. 

          “RCRA”
shall mean the Solid Waste Disposal Act, 42 U.S.C. § 6901, et seq. (also known as the Resource
Conservation and Recovery Act). 

          “Section”
shall mean a portion of this Consent Decree identified by a Roman numeral.

          “Settling Companies” (or “Settling Company” in the singular) shall mean Hecla
Mining Company, Hecla Limited, Hecla Silver Valley, Inc., Silver Hunter Mining
Company and HLT, Inc. “Settling Companies” also shall include successors and
assigns to the Settling Companies to the extent that their liability, if any,
arises solely from their status as successors or assigns to a Settling Company.

          “Site”
shall mean the Bunker Hill Mining and Metallurgical Complex Superfund Site,
which is generally located in the Coeur d’Alene Basin watershed in Idaho,
including, without limitation, the South Fork of the Coeur d’Alene River
(“South Fork”) and its tributaries, the 7-mile by 3-mile area known as “the
Box,” the mainstem of the Coeur d’Alene River downstream of the confluence of
the South Fork and the North Fork of the Coeur d’Alene River (“North Fork”),
Lake Coeur d’Alene, and the Spokane River upstream of Upriver Dam, and those
other areas where Waste Material originating from facilities on the South Fork
and its tributaries have come to be located. The Lucky Friday Active Area, as
depicted in Appendix E, the two properties owned by Hecla Limited that are
identified in Appendix F, and the North Fork, including all tributaries of the
North Fork, are excluded from the “Site” for purposes of this Consent Decree.
The exclusion of the Lucky Friday Active Area from the “Site” for purposes of
this Consent Decree does not exclude the Lucky Friday Active Area from the
Bunker Hill Mining and Metallurgical Complex Superfund Site as listed by EPA on
the National Priorities List on September 3, 1983. 48 Fed.Reg. 40,658, 40,670 (Sept. 8, 1983). 

          “State”
shall mean the State of Idaho. 

          “Star
Tailings Ponds” shall mean the tailings impoundments (Nos. 1-6) and related
facilities located proximate to Woodland Park in the Canyon Creek drainage, as
depicted in Appendix G. 

          “Transfer”
shall mean to sell, assign, convey or lease, or where used as a noun, a sale,
assignment, conveyance, or any other disposition of any interest by operation
of law or 

otherwise.
Transfer shall not include (i) the granting of a security interest, pledge or
mortgage of any interest except when the holder of any such interest forecloses
or otherwise exercises its right to take both equitable and legal title to the
interest, (ii) the transfer of any interest in a Fractional Interest Property,
or (iii) a transfer from one Settling Company to another Settling Company. 

          “Tribe”
shall mean the federally-recognized Indian tribe known as the Coeur d’Alene
Tribe, including its departments, agencies, and instrumentalities. The Tribe,
which has a governing Tribal Constitution and Tribal Council duly recognized by
the Secretary of the Interior, is an “Indian tribe” within the meaning of
Section 101(36) of CERCLA, 42 U.S.C. § 9601(36). 

          “United
States” shall mean the United States of America and each department, agency,
and instrumentality of the United States. 

          “Waste
Material” shall mean (1) any hazardous substance under Section 101(14) of
CERCLA, 42 U.S.C. § 9601(14) or under Section 311(a)(14) of the CWA, 33 U.S.C.
§ 1321(a)(14); (2) any pollutant or contaminant under Section 101(33) of
CERCLA, 42 U.S.C. § 9601(33); (3) any “solid waste” under Section 1004(27) of
RCRA, 42 U.S.C. § 6903(27); (4) any pollutant under Section 502(6) of the CWA,
33 U.S.C. § 1362(6); (5) hazardous wastes as defined in the Idaho Hazardous
Waste Management Act, Idaho Code 39-4403(8); (6) “pollutants” as defined in
IDAPA 58.01.02.010.78; (7) “contaminants” as defined in IDAPA 58.01.11.007.10;
(8) “hazardous materials” as defined in IDAPA 58.01.02.010.44; or (9)
“deleterious materials” as defined in IDAPA 58.01.02.010.19. 

ATTACHMENT 2 TO THE PROTOCOL

MATERIALS MANAGEMENT PLAN

TABLE OF CONTENTS

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 Page

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 LIST OF
 TABLES

 	
  

 	
 2

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 1.0

 	
 INTRODUCTION

 	
  

 	
 3

 
	
  

 	
 1.1

 	
 Applicability

 	
  

 	
 3

 
	
  

 	
 1.2

 	
 Purpose

 	
  

 	
 3

 
	
  

 	
 1.3

 	
 Objective

 	
  

 	
 3

 
	
  

 	
 1.4

 	
 Performance
 Standards

 	
  

 	
 3

 
	
 2.0

 	
 SITE
 MANAGEMENT

 	
  

 	
 4

 
	
  

 	
 2.1

 	
 Activity
 Scenarios

 	
  

 	
 4

 
	
  

 	
 2.2

 	
 Activity
 Planning

 	
  

 	
 5

 
	
  

 	
 2.3

 	
 Remediated
 Properties

 	
  

 	
 6

 
	
 3.0

 	
 NOTICES

 	
  

 	
 6

 
	
 4.0

 	
 CARE AND
 MAINTENANCE OF BMPS

 	
  

 	
 6

 
	
 5.0

 	
 COMPLETION
 OF ACTIVITIES

 	
  

 	
 6

 
	
 6.0

 	
 SELF-CERTIFICATION

 	
  

 	
 6

 
	
 7.0

 	
 REFERENCES

 	
  

 	
 7

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 LIST OF TABLES

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Table 1.

 	
 Activity
 Scenarios

 	
  

 	
  

 
	
 Table 2.

 	
 Best
 Management Practices (BMP) Categories

 	
  

 	
  

 
	
 Table 3.

 	
 Typical
 Conceptual Design (TCD) Repairs

 	
  

 	
  

 

2

1.0       INTRODUCTION

This Materials Management Plan (MMP) has been developed to guide
certain activities specified in the Protocol as Covered Exploration Operations.
The status of the remedial action at these Covered Exploration Operations may
be future, ongoing, or completed. 

1.1       Applicability

This MMP shall apply to those Covered Exploration Operations identified
in Section 5 of the Protocol, Appendix B to the Consent Decree. 

1.2       Purpose

The purpose of the MMP is to serve as a guidance document for selection
of best management practices (BMPs) that are to be implemented to meet the
objectives of the MMP. 

1.3       Objective

The objective
of the MMP is to properly manage mining-related waste materials to achieve the
following: 

	
  

 	
  

 
	
 •

 	
 to prevent
 the contribution of sediment to area streams;

 
	
 •

 	
 to prevent
 impacts to existing water quality; and 

 
	
 •

 	
 to attain equivalent
 protectiveness at sites where remedial actions have already been implemented.
 

 

1.4       Performance
Standards 

The performance standards selected to achieve the objectives of the MMP
are guidelines and BMPs established by the State of Idaho (ID, 2010) and Idaho
Department of Lands (IDL, 1992). Sources of performance standards include: 

	
  

 	
  

 
	
 •

 	
 The IDL manual, Best Management
 Practices for Mining in Idaho,(a joint effort through the Idaho
 Mining Advisory Committee (MAC) – Idaho Department of Lands, Idaho Department
 of Water Resources, Idaho Department of Environmental Quality, Idaho
 Department of Fish and Game, Idaho Conservation League, Clark Fork Coalition,
 Idaho Mining Association, and Independent Miner’s Association), is commonly
 referenced by the US Forest Service and the Bureau of Land Management, MAC
 members, for mining exploration plans of operation on Forest Service and BLM
 lands;

 
	
 •

 	
 Hecla’s “Environmental Standard, Surface Diamond Drilling”;

 
	
 •

 	
 BMPs for underground exploration to control impacts to existing
 drainage from mine openings;

 
	
 •

 	
 Existing regulatory coverage under EPA’s Multi-Sector General Permit
 for Stormwater Discharges Associated with Industrial Activity (MSGP) provides
 for BMP identification and implementation for certain activities; and 

 
	
 •

 	
 Catalog of Stormwater Best Management Practices for Idaho Cities and
 Counties. 

 
	
 •

 	
 IDAPA 58, Title 1, Chapter 22, Section 10(82), Short-Term or
 Temporary Activity. 

 

3

2.0       SITE
MANAGEMENT 

Properties under the MMP fall into one or more of the activity
scenarios in Table 1. The BMP categories are presented in Table 2. The
properties and activities covered under the MMP are industrial in nature, and
as such, work activities are covered by specific OSHA and MSHA regulations/requirements
and individuals accessing these properties to conduct work are
required to have appropriate training and comply with all appropriate
requirements. 

2.1       Activity
Scenarios 

The table shown below (Table 1) provides a list of potential activities
to be conducted during Covered Exploration Operations and the media affected. 

Table 1 Illustrative Activity Scenarios

	
  

 	
  

 
	
 Activity

 	
 Potentially
 Affected Media

 
	
 Access
 Road Construction

 	
 Soil
 – Sediment

 
	
  

 	
 Surface
 Water Quality

 
	
  

 	
 Vegetation

 
	
 Creek
 Drainage Crossing

 	
 Stream
 flow

 
	
  

 	
 Stream
 bank stability

 
	
 Mine
 Opening Rehabilitation

 	
 Mine
 Water Quality

 
	
  

 	
 Soil
 – Sediment

 
	
  

 	
 Vegetation

 
	
 Drill
 Operation

 	
 Mine
 Water Quality

 
	
 Drill
 Pad Construction (including

 	
 Soil
 – Sediment

 
	
 waste
 rock pile recontouring)

 	
 Surface
 Water Quality

 
	
  

 	
 Vegetation

 
	
 Additions
 to or relocation of Waste

 	
 Soil
 – Sediment

 
	
 Rock
 Piles

 	
 Surface
 Water Quality

 
	
  

 	
 Vegetation

 
	
 Structure
 Removal

 	
 Soil
 – Sediment

 
	
  

 	
 Surface
 Water Quality

 
	
 Road
 Rehabilitation

 	
 Soil
 – Sediment

 
	
  

 	
 Surface
 Water Quality

 
	
  

 	
 Vegetation

 
	
 New
 Infrastructure

 	
 Soil
 - Sediment

 
	
  

 	
 Surface
 Water Quality

 
	
  

 	
 Vegetation

 
	
 Infrastructure
 Development/Repair/

 	
 Soil
 - Sediment

 
	
 Replace
 (includes roads and utilities)

 	
 Surface
 Water Quality

 
	
  

 	
 Vegetation

 
	
 Mine
 Opening Repairs

 	
 Mine
 Water Quality

 
	
  

 	
 Soil
 – Sediment

 
	
 Mine
 Opening Closures*

 	
 Soil
 – Sediment

 
	
  

 	
 Surface
 Water Quality

 
	
  

 	
 Vegetation

 
	
 Road/Access
 Restrictions*

 	
 Soil
 – Sediment

 
	
  

 	
 Surface
 Water Quality

 
	
  

 	
 Vegetation

 

* These
activities may also be associated with responses to safety-related conditions 

4

2.2        Activity
Planning 

Prior to conducting the activity scenarios in Table 1, the Settling
Company will assess the potential impacts of the activity in the context of the
current regulatory requirements and required mitigation expectations. 

2.2.1     Preliminary
Activity Assessment 

The preliminary activity assessment will consist of a contaminant level
assessment and a permit requirement assessment. The contaminant level
assessment consists of reviewing the history and function of the historic
mining features where Covered Exploration Operations are to occur and visually
evaluating Waste Materials present prior to the Lodging Date to determine if
sampling for Principal Threat Materials (PTM) is required. Sampling will be
required if the referenced information suggests the presence of PTM.
Disturbance of historic materials with concentrations exceeding the Principal
Threat Action Levels established for certain metals (see Section 3.4 of the
Proposed Plan, Upper Basin of the Coeur d’Alene River, Bunker Hill Mining and
Metallurgical Complex Superfund Site. July 12, 2010) requires special handling
and disposal in an engineered repository. In addition to this PTM assessment,
the Settling Company will review the Covered Exploration Operation and
anticipated impacts to determine if existing permits may require modification
or if new permits may be required. 

2.2.2     BMP
Selection 

The potential BMPs that can be applied to control impacts listed in
Table 1 are shown in Table 2 below. The actual BMPs selected and implemented
will be based on location-specific conditions, potentially affected media,
applicable permit requirements and performance standards as determined by the
Settling Company conducting the activity at the location, to meet the
objectives of Section 1.3 of this MMP. 

Table 2 Illustrative BMP Categories

	
  

 	
  

 
	
 BMP
 Category (IDL, 1992)

 	
 BMPs

 
	
 Soil
 Stabilization

 	
 Matting

 
	
  

 	
 Erosion
 Control Blanket

 
	
  

 	
 Mulch
 – Straw

 
	
  

 	
 Mulch
 – Wood Chips

 
	
  

 	
 Compaction

 
	
  

 	
 Gabions

 
	
  

 	
 Riprap

 
	
  

 	
 Native
 Rock Retaining Walls

 
	
  

 	
 Timing-Construction/Control
 Application

 
	
  

 	
 Limited
 Surface Disturbance

 
	
 Seeding
 and Revegetation

 	
 Topsoiling

 
	
  

 	
 Seedbed
 Preparation

 
	
  

 	
 General
 Planting/Seeding Specifications

 
	
  

 	
 Broadcast
 Seeding

 
	
  

 	
 Drill
 Seeding

 
	
  

 	
 Vegetative
 Planting

 
	
  

 	
 Fertilizer
 Use

 
	
  

 	
 Maintenance
 of Revegetated Areas

 
	
 Runoff
 Collection

 	
 Diversion
 Dike/Ditch

 
	
  

 	
 Interceptor
 Trench

 

5

	
  

 	
  

 
	
 BMP Category (IDL, 1992)

 	
 BMPs

 
	
  

 	
 Open Top Box Culverts

 
	
  

 	
 Siltation Berm

 
	
  

 	
 Waterbars

 
	
  

 	
 Culverts

 
	
  

 	
 Drain Fields

 
	
  

 	
 Stream Alteration

 
	
  

 	
 Drop Structures

 
	
  

 	
 Rolling Dips

 
	
  

 	
 Road Sloping

 
	
 Runoff Dispersion

 	
 Serrated Slopes

 
	
  

 	
 Benched Slopes

 
	
  

 	
 Level Spreader

 
	
 Sediment Collection

 	
 Straw Bale Barrier

 
	
  

 	
 Sediment Trap or Catch
 Basins

 
	
  

 	
 Vegetated Buffer Strip

 
	
  

 	
 Silt Fence/Filter Fence

 
	
  

 	
 Brush Sediment Barriers

 
	
  

 	
 Sediment Settling Ponds

 
	
  

 	
 Slash Filter Windrows

 

2.3     Remediated
Properties 

Covered Exploration Operations in a Remediated Area will comply with
Section 5.C of the Protocol. 

3.0     NOTICES 

Applicable notices will be given by the Settling Companies according to
the Protocol. 

4.0     CARE AND
MAINTENANCE OF BMPS 

Care and maintenance procedures for the BMPs will be based on standard
recommendations provided in the references listed in Section 1.4. Performance
Standards and adjustments will be made to accommodate site specific conditions
and project schedule. The procedures will ensure the effectiveness of the BMPs.

5.0     COMPLETION
OF ACTIVITIES 

The actions to be taken on properties that were accessed temporarily
include the following: 

	
  

 	
  

 
	
 •

 	
 Removal of
 temporary BMPs, if necessary;

 
	
 •

 	
 Reclamation
 of areas that will no longer be accessed. 

 

6.0     SELF-CERTIFICATION

Self-certification of compliance with this MMP will be prepared for
each Covered Exploration Operation accessed under the Protocol in a given year.
Each certification will include a signed statement that all activities on a
property were conducted in accordance with the MMP and that appropriate BMPs
have been implemented and maintained as prescribed by the MMP. The 

6

certification will provide a detailed discussion of the activities
conducted and indicate if all activities have been concluded and closure
(reclamation) activities have been completed as required. At a minimum the
certification will include the following: 

	
  

 	
  

 
	
 •

 	
 Photo documentation will be provided of conditions prior to
 disturbance and following completion of activities.

 
	
 •

 	
 Activities that impact mine waters, such as re-routing flows, will
 require samples of the mine water be collected before re-routing and after
 activities are completed. The certification will include the analysis of the
 samples.

 
	
 •

 	
 A list of BMPs employed for the activity and the status of the BMPs
 at completion of the activity.

 
	
 •

 	
 A
 discussion of what waste was generated during the activity and how the waste
 was handled. 

 
	
 •

 	
 Documentation of any new permits obtained. 

 

If activities are to be continued on a given property during the
following year then it will be noted. The self-certification documents for all
Covered Exploration Operations accessed during the year under the Protocol will
be prepared and submitted in accordance with the Protocol. 

7.0     REFERENCES 

	
  

 
	
 Hecla Limited. Environmental Standard
 Surface Diamond Drilling. Silver Valley Generative Exploration. Document No.
 SVGP 09-01. August 27, 2009. 

 
	
  

 
	
 Idaho Administrative Code (ID 2010). IDAPA
 20.03.02 – Rules Governing Exploration/Surface Mining/Closure of Cyanidation
 Facilities, 2010. 

 
	
  

 
	
 Idaho Department of Environmental Quality.
 Catalog of Stormwater Best Management Practices for Idaho Cities and
 Counties. September 2005. 

 
	
  

 
	
 Idaho Department of Lands (IDL 1992). Best
 Management Practices for Mining in Idaho. November 16, 1992. 

 
	
  

 
	
 U.S. EPA (EPA 2010). Proposed Plan, Upper
 Basin of the Coeur d’Alene River, Bunker Hill Mining and Metallurgical
 Complex Superfund Site. July 12, 2010. 

 
	
  

 
	
 U.S. EPA (EPA 2009). United States Environmental
 Protection Agency, National Pollutant Discharge Elimination System,
 Multi-Sector General Permit for Stormwater Discharges Associated with
 Industrial Activity. Modified effective May 27, 2009. 

 

7

	
  

 
	
 Appendix C 

 
	
 

 
	
 Depiction
 of Hecla-Star Complex

 

	
  

 
	
 Appendix D

 
	
  

 
	

 
	
 Insurance
 Information

 

VIA
COURIER

March 15, 2011

Michael J. Zevenbergen,
Senior Counsel

Department of Justice, EES

c/o NOAA/Damage Assessment

7600 Sand Point Way, NE

Seattle, WA 98115

          Re:
Coeur d’Alene (“CDA”) Basin - Hecla Insurance Coverages

Dear Mr. Zevenbergen:

          You
asked for information concerning Hecla’s outstanding insurance coverage
potentially applicable to Hecla’s CDA Basin — related liability exposures.
Hecla has settled with all of its carriers for the CDA basin liabilities, with
the exception of Continental Insurance and Pacific Insurance Company, who are
now under the umbrella of CNA. This coverage is the subject of litigation in
the case of Hecla Mining Co. v Continental Insurance Co., et al, Civ 91-87608
filed in State of Idaho District Court for Kootenai County. This case was
originally filed in 1991 and was stayed in 1996. That stay is still in effect.

          CNA
provided coverage of general liability policies to Hecla during the following
periods:

	
  

 	
  

 	
  

 
	
  

 	
 1.

 	
 1/1/1966-1/1/1969; Primary
 $100,000 per occurrence;

 
	
  

 	
  

 	
  

 
	
  

 	
 2.

 	
 1/1/1969-1/1/1972; Primary
 $100,000 per occurrence; Excess $1,000,000 per occurrence;

 
	
  

 	
  

 	
  

 
	
  

 	
 3.

 	
 1/1/1972-1/1/1975; Primary
 $100,000 per occurrence; Excess $1,000,000 per occurrence;

 
	
  

 	
  

 	
  

 
	
  

 	
 4.

 	
 2/15/1978-2/15/1979;
 Primary $500,000 per occurrence;

 
	
  

 	
  

 	
  

 
	
  

 	
 5.

 	
 2/15/1979-2/15/1980;
 Primary $500,000 per occurrence.

 

6500 Mineral Drive, Suite 200 • Coeur
d’Alene, Idaho 83815-9408 • 208.769.4100 • FAX 208.769.4107

Each
of these policies provides “occurrence” based coverage. The 1972, 1978 and 1979
policies all contain the “sudden and accidental” pollution exclusion. Hecla has
a reference to one excess policy prior to 1969, but has not located the policy;
and summary judgment in the above referenced case was granted to CNA on the
grounds that Hecla could not prove the terms and conditions of that excess
policy.

          As
you requested, enclosed are copies of these primary and excess policies.

          Hecla
also obtained a property damage liability policy with limits of $25,000 issued
to one of its predecessors-in-interest, the Lucky Friday Silver Lead Mines, by
Aetna Casualty in the mid-1960s. We have not located a copy of this policy and
so have no policy to attach.

          If
you have any questions about this information, please contact me.

	
  

 	
  

 
	
  

 	
 Very truly yours,

 
	
  

 
	
  

 	

 
	
  

 	
 Michael B. White

 
	
  

 	
 Corporate Secretary

 

MBW/apb/se

Enclosures

	
  

 	
  

 
	
 cc:

 	
 Elizabeth Temkin w/o
 enclosures

 David Sienko w/o enclosures

 

6500 Mineral Drive, Suite 200 • Coeur
d’Alene, Idaho 83815-9408 • 208.769.4100 • FAX 208.769.4107

The CONTINENTAL INSURANCE COMPANY

A Stock Company Organized 1853

160 PINE STREET, SAN FRANCISCO 11, CALIFORNIA

	
  

 	
  

 
	
 COMPREHENSIVE BUSINESS POLICY

 	
 No. CBP 95806 

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Amount:
 (As stated in Schedules.) 

 	
 Provisional Premium

 
	
 Policy
 Term: Three Years

 	
 $ 88,250.00

 	
 if
 paid in advance.

 
	
 Inception:
 

 	
 JANUARY 1, 1966

 	
  

 	
 $ 30,886.00

 	
 each
 installment, if 

 
	
 Expiration: 

 	
 JANUARY 1, 1969

 	
  

 	
  

 	
 paid
 in installments.

 

INSURED’S NAME AND MAILING ADDRESS

HECLA MINING COMPANY AND HECLA
MINING COMPANY OF CANADA, LTD.

P.O. BOX 320

WALLACE, IDAHO

Insurance
is afforded only under those parts of the policy designated by the word
“Included” opposite such part below. The insurance afforded under any part is
only in the amounts and to the extent set forth in such part, subject to all
the terms of the policy having reference thereto.

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Part I

 	
 Fire,
 Lightning, Windstorm and Hail, Explosion, Riot, Riot attending a Strike,
 Civil Commotion, Aircraft and Vehicles, Sonic Shock Waves, Smoke, Vandalism
 and Malicious Mischief, Sprinkler Leakage, Elevator Collision, Accident to an
 Object (Steam Boiler, Fired Pressure Vessel or Electric Steam Generator)

 	
 INCLUDED

 
	
  

 	
 Part I (Optional)

 	
 Unfired Vessels and
 Machinery

 	
 INCLUDED

 
	
  

 	
 Part II

 	
 Business Income

 	
 INCLUDED

 
	
  

 	
 Part III

 	
 Inland Marine

 	
  

 
	
  

 	
 Part IV

 	
 Automobile Physical Damage

 	
 INCLUDED

 
	
  

 	
 Part V

 	
 Comprehensive Automobile
 Liability

 	
 INCLUDED

 
	
  

 	
 Part VI

 	
 Comprehensive General
 Liability

 	
 INCLUDED

 
	
  

 	
 Part VII

 	
 Crime

 	
 INCLUDED

 

IN CONSIDERATION OF THE PROVISIONS AND STIPULATIONS HEREIN OR
ADDED HERETO AND OF
the premium above specified, this Company for the term of years specified above
from inception date shown above At Noon (Standard Time) to expiration date
shown above At Noon (Standard Time) at location of property involved, to an
amount not exceeding the amount(s) above specified, does insure the insured
named above and legal representatives, to the extent of the actual cash value
of the property at the time of loss, but not exceeding the amount which it would
cost to repair or replace the property with material of like kind and quality
within a reasonable time after such loss, without allowance for any increased
cost of repair or reconstruction by reason of any ordinance or law regulating
construction or repair, and without compensation for loss resulting from
interruption of business or manufacture, nor in any event for more than the
interest of the insured, against all DIRECT
LOSS BY FIRE, LIGHTNING AND BY REMOVAL FROM PREMISES ENDANGERED BY THE PERILS
INSURED AGAINST IN THIS POLICY, EXCEPT AS HEREINAFTER PROVIDED, to
the property described hereinafter while located or contained as described in
this policy, or pro rata for five days at each proper place to which any of the
property shall necessarily be removed for preservation from the perils insured
against in this policy, but not elsewhere.

Assignment of this policy shall not
be valid except with the written consent of this Company.

This
policy is made and accepted subject to the foregoing provisions and stipulations
and those hereinafter stated, which are hereby made a part of this policy,
together with such other provisions, stipulations and agreements as may be
added hereto, as provided in this policy.

Countersignature
Date               JANUARY
1, 1966               Agency
at

	
  

 	
  

 	
  

 
	
  

 	

 	
 Agent

 

Page 1

Concealment, fraud.

 This entire
[ILLEGIBLE] shall [ILLEGIBLE] void if, whether before or [ILLEGIBLE] loss, [ILLEGIBLE]
insured has wilfully concealed or misrepresented any material fact or
circumstance concerning this insurance or the subject thereof, or the interest
of the insured therein, or in case of any fraud or false swearing by the
insured relating thereto.

Uninsurable and excepted property.

This policy shall not cover accounts, bills, currency, deeds, evidences
of debt, money or securities; nor, unless specifically named hereon in writing,
bullion or manuscripts.

Perils not included.

 This Company shall
not be liable for loss by fire or other perils insured against in this policy
caused, directly or indirectly, by: (a) enemy attack by armed forces, including
action taken by military, naval or air forces in resisting an actual or an
immediately impending enemy attack; (b) invasion; (c) insurrection; (d)
rebellion; (e) revolution; (f) civil war; (g) usurped power; (h) order of any
civil authority except acts of destruction at the time of and for the purpose
of preventing the spread of fire, provided that such fire did not originate
from any of the perils excluded by this policy; (i) neglect of the insured to
use all reasonable means to save and preserve the property at and after a loss,
or when the property is endangered by fire in neighboring premises; (j) nor
shall this Company be liable for loss by theft.

Other Insurance.

 Other insurance
may be prohibited or the amount of insurance may be limited by endorsement
attached hereto.

Conditions suspending or
restricting insurance. Unless otherwise provided in writing added hereto this
Company shall not be liable for loss occurring

(a) while the hazard is increased by any means
within the control or knowledge of the insured; or

(b) while a described building, whether intended
for occupancy by owner or tenant, is vacant or unoccupied beyond a period of
sixty consecutive days; or

(c) as a result of explosion or riot, unless fire
ensue, and in that event for loss by fire only:

Other perils or subjects.

 Any other peril to
be insured against or subject of insurance to be covered in this policy shall
be by endorsement in writing hereon or added hereto.

Added provisions.

 The extent of the
application of insurance under this policy and of the contribution to be made
by this Company in case of loss, and any other provision or agreement not
inconsistent with the provisions of this policy, may be provided for in writing
added hereto, but no provision may be waived except such as by the terms of
this policy is subject to change.

Waiver provisions.

 No permission
affecting this insurance shall exist, or waiver of any provision be valid,
unless granted herein or expressed in writing added hereto. No provision,
stipulation or forfeiture shall be held to be waived by any requirement or
proceeding on the part of this Company relating to appraisal or to any
examination provided for herein. .

Cancellation of policy.

 This policy shall
be cancelled at any time at the request of the insured, in which case this
Company shall, upon demand and surrender of this policy, refund the excess of
paid premium above the customary short rates for the expired time. This policy
may be cancelled at any time by this Company by giving to the insured a five
days’ written notice of cancellation with or without tender of the excess of
paid premium above the pro rata premium for the expired time, which excess, if
not tendered, shall be refunded on demand. Notice of cancellation shall state
that said excess premium (if not tendered) will be refunded on demand.

Mortgagee interests and
obligations. 

If loss hereunder is made payable, in whole or in part, to a designated
mortgagee not named herein as the insured, such interest in this policy may be
cancelled by giving to such mortgagee a ten days’ written notice of cancellation.

If the insured fails to render proof of loss such
mortgagee, upon notice, shall render proof of loss in the form herein specified
within sixty (60) days thereafter and shall be subject to the provisions
hereof relating to appraisal and time of payment and of bringing suit. If this
Company shall claim that no liability existed as to the mortgagor or owner, it
shall, to the extent of payment of loss to the mortgagee, be subrogated to all
the mortgagee’s rights of recovery, but without impairing mortgagee’s right to
sue; or it may pay off the mortgage debt and require an assignment thereof and
of the mortgage. Other provisions relating [ILLEGIBLE] and obligations of such
mortgagee may be added [ILLEGIBLE] in writing.

Pro rata liability.

 This Company shall
not be liable for a greater proportion of any loss than the amount hereby
insured shall bear to the whole insurance covering the property against the peril
involved, whether collectible or not.

Requirements in case loss occurs.

 The insured shall
give immediate written notice to this Company of any loss, protect the property
from further damage, forthwith separate the damaged and undamaged personal
property, put it in the best possible order, furnish a complete inventory of
the destroyed, damaged and undamaged property, showing in detail quantities,
costs, actual cash value and amount of loss claimed; and within sixty days
after the loss, unless such time is extended
in writing by this Company, the insured shall render to this Company a proof of
loss, signed and sworn to by the insured, stating the knowledge and belief of
the insured as to the following: the time and origin of the loss, the interest
of the insured and of all others in the property, the actual cash value of each
item thereof and the amount of loss thereto, all encumbrances thereon, all
other contracts of insurance, whether valid or not, covering any of said
property, any changes in the title, use, occupation, location, possession or
exposures of said property since the issuing of this policy, by whom and for
what purpose any. building herein described and the several parts thereof were
occupied at the time of loss and whether or not it then stood on leased ground,
and shall furnish a copy of all the descriptions and schedules in all policies
and, if required, verified plans and specifications of any building, fixtures
or machinery destroyed or damaged. The insured, as often as may be reasonably
required, shall exhibit to any person designated by this Company all that
remains of any property herein described, and submit to examinations under oath
by any person named by this Company, and subscribe the same; and, as often as
may be reasonably required, shall produce for examination all books of account,
bills, invoices and other vouchers, or certified copies thereof if originals be
lost, at such reasonable time and place as may be designated by this Company or its representative, and shall permit extracts
and copies thereof to be made.

Appraisal.

 In case the
insured and this Company shall fail to agree as to the actual cash value or the
amount of loss, then, on the written demand of either, each shall select a
competent and disinterested appraiser and notify the other of the appraiser
selected within twenty days of such demand. The appraisers shall first select a
competent and disinterested umpire; and failing for fifteen days to agree upon
such umpire, then, on request of the insured or this Company, such umpire shall
be selected by a judge of a court of record in the state in which the property
covered is located. The appraisers shall then appraise the loss, stating
separately actual cash value and loss to each item; and, failing to agree,
shall submit their differences, only, to the umpire. An award in writing, so
itemized, of any two when filed with this Company shall determine the amount of
actual cash value and loss. Each appraiser shall be paid by the party selecting
him and the expenses of appraisal and umpire shall be paid by the parties
equally.

Company’s options.

 It shall be
optional with this Company to take all, or any part, of the property at the
agreed or appraised value, and also to repair, rebuild or replace the property
destroyed or damaged with other of like kind and quality within a reasonable
time, on giving notice of its intention so to do within thirty days after the
receipt of the proof of loss herein required.

Abandonment.

 There can be no
abandonment to this Company of any property.

When loss payable.

 The amount of loss
for which this Company may be liable shall be payable sixty days after proof of
loss, as herein provided, is received by this Company and ascertainment of the
loss is made either by agreement between the insured and this Company expressed
in writing or by the filing with this Company of an award as herein provided.

Suit.

 No suit or action
on this policy for the recovery of any claim shall be sustainable in any court
of law or equity unless all the requirements of this policy shall have been
complied with, and unless commenced within twelve months next after inception
of the loss. 

Subrogation.

 This
Company may require from the insured an assignment of all right of recovery
against any party for loss to the extent that payment therefor is made by this
Company. 

          IN
WITNESS WHEREOF, this Company has executed and attested these presents; but
this policy shall not be valid unless countersigned by the duly authorized
Agent of this Company at the agency hereinbefore mentioned.

	
  

 	
  

 
	

 	

 
	
 Secretary 

 	
 President 

 

Page 2 

Endorsement No. CBP 600-1

Policy No. CBP 95806

PART VI — COMPREHENSIVE GENERAL LIABILITY

	
  

 	
  

 
	
 Item 

 	
 DECLARATIONS

 
	
 1.

 	
 The
 insurance afforded under this endorsement is only with respect to such and so
 many of the following coverages as are indicated by a limit of liability.
 The limit of the company’s liability against each such coverage shall be as
 stated herein, subject to all the terms of this policy having reference
 thereto.

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 COVERAGES 

 	
 LIMITS OF LIABILITY 

 
	
  

 
	
  

 	
 A

 	
 Bodily
 Injury Liability

 	
 $100,000.00

 $300,000.00

 $300,000.00

 	
 each person

 each accident

 aggregate products 

 
	
  

 	
 B

 	
 Property
 Damage Liability

 	
 $100,000.00

 $100,000.00

 $100,000.00

 $100,000.00

 $100,000.00

 	
 each accident

 aggregate operations

 aggregate protective

 aggregate products

 aggregate contractual 

 

	
  

 	
  

 
	
 2.

 	
 Unless otherwise stated
 herein, during the past three years no insurer has canceled insurance, issued
 to the named insured, similar to that afforded hereunder. Exceptions, if any:

 

Form numbers of endorsements
or other forms attached hereto: CBP 601

	
  

 
	
 CBP
 602, CBP 617, CBP 634, CBP 644, CBP 678A, CBP 686, SPECIAL ENDORSEMENT
 A, SPECIAL ENDORSEMENT B

 

GL-1

GENERAL LIABILITY

          None
of the provisions, stipulations and other terms of the policy to which this
endorsement is attached shall apply to insurance hereunder except as expressly
provided in this endorsement.

The
Company agrees with the insured, named on page 1, in consideration of the
payment of the premium and in reliance upon the statements in the declarations
of this endorsement and subject to the limits of liability, exclusions,
conditions and other terms of this endorsement:

INSURING AGREEMENTS

I.
COVERAGE A—BODILY INJURY LIABILITY: To
pay on behalf of the insured all sums which the insured shall become legally
obligated to pay as damages because of bodily injury, sickness or disease,
including death at any time resulting therefrom, sustained by any person and
caused by accident.

COVERAGE B—PROPERTY DAMAGE LIABILITY: To pay on behalf of the insured all sums
which the insured shall become legally obligated to pay as damages because of
injury to or destruction of property, including the loss of use thereof, caused
by accident.

II.
DEFENSE, SETTLEMENT, SUPPLEMENTARY PAYMENTS:
With respect to such insurance as is afforded by this endorsement,
the company shall:

	
  

 	
  

 	
  

 
	
 (a)

 	
  

 	
 defend
 any suit against the insured alleging such injury, sickness, disease or
 destruction and seeking damages on account thereof, even if such suit is
 groundless, false or fraudulent; but the company may make such investigation,
 negotiation and settlement of any claim or suit as it deems expedient;

 
	
  

 	
  

 	
  

 
	
 (b)

 	
 (1)

 	
 pay
 all premiums on bonds to release attachments for an amount not in excess of
 the applicable limit of liability of this endorsement, all premiums on appeal
 bonds required in any such defended suit, but without any obligation to apply
 for or furnish any such bonds;

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 pay
 all expenses incurred by the company, all costs taxed against the insured in
 any such suit and all interest accruing after entry of judgment until the
 company has paid or tendered or deposited in court such part of such judgment
 as does not exceed the limit of the company’s liability thereon;

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 pay
 expenses incurred by the insured for such immediate medical and surgical
 relief to others as shall be imperative at the time of the accident;

 
	
  

 	
  

 	
  

 
	
  

 	
 (4)

 	
 reimburse
 the insured for all reasonable expenses, other than loss of earnings,
 incurred at the company’s request;

 

and
the amounts so incurred, except settlements of claims and suits, are payable by
the company in addition to the applicable limit of liability of this
endorsement.

III.
DEFINITION OF INSURED: The
unqualified word “insured” includes the named insured and also includes any executive
officer, director or stockholder thereof while acting within the scope of his
duties as such, and any organization or proprietor with respect to real estate
management for the named insured. If the named insured is a partnership, the
unqualified word “insured” also includes any partner therein but only with
respect to his liability as such. The “named insured” is the insured named on
page 1 of this policy.

IV.
POLICY PERIOD, TERRITORY: This
endorsement applies only to accidents which occur during the policy period
within the United States of America, its territories or possessions, or Canada.
“Policy Period” means the period from noon on the inception date to noon on the
expiration date, both as shown on page 1 of the policy of which this endorsement
forms a part, standard time as to both dates at the insured’s mailing address
shown on said page.

EXCLUSIONS

This endorsement does not
apply:

	
  

 	
  

 
	
 (a)

 	
 to
 liability assumed by the insured under any contract or agreement except (1) a
 contract as defined herein or (2) as respects the insurance which is afforded
 for the Products Hazard as defined, a warranty of goods or products;

 
	
  

 	
  

 
	
 (b)

 	
 to
 any obligation for which the insured may be held liable in an action on a
 contract or an agreement by a person not a party thereto;

 

CBP 600 (Pac) Incomplete without Page GL-1 and CBP 600-1 Dec

GL-2

	
  

 	
  

 
	
 (c)

 	
 except
 with respect to operations performed by independent contractors and except
 with respect to liability asumed by the insured under a contract as defined
 herein, to the ownership, maintenance, operation, use, loading or unloading
 of (1) watercraft if the accident occurs away from premises owned by, rented
 to or controlled by the named insured, except insofar as this part of this
 exclusion is stated in this endorsement to be inapplicable, (2) automobiles
 if the accident occurs away from such premises or the ways immediately
 adjoining, or (3) aircraft;

 
	
  

 	
  

 
	
 (d)

 	
 to
 injury, sickness, disease, death or destruction due to war, whether or not
 declared, civil war, insurrection, rebellion or revolution, or to any act or
 condition incident to any of the foregoing, with respect to (1) liability
 assumed by the insured under any contract or agreement or (2) expenses under
 Insuring Agreement II (b) (3);

 
	
  

 	
  

 
	
 (e)

 	
 to
 liability imposed upon the insured or any indemnitee, as a person or
 organization engaged in the business of manufacturing, selling or
 distributing alcoholic beverages, or as an owner or lessor of premises used
 for such purposes, by reason of any statute or ordinance pertaining to the
 sale, gift, distribution or use of any alcoholic beverage;

 
	
  

 	
  

 
	
 (f)

 	
 under
 coverage A, to any obligation for which the insured or any carrier as his
 insurer may be held liable under any workmen’s compensation, unemployment
 compensation or disability benefits law, or under any similar law;

 
	
  

 	
  

 
	
 (g)

 	
 under
 coverage A, except with respect to liability assumed by the insured under a
 contract as defined herein, to bodily injury to or sickness, disease or death
 of any employee of the insured arising out of and in the course of his
 employment by the insured;

 
	
  

 	
  

 
	
 (h)

 	
 under
 coverage B, to injury to or destruction of (1) property owned or occupied by
 or rented to the insured, or (2) except with respect to liability under
 sidetrack agreements covered by this endorsement, property used by the
 insured, or (3) except with respect to liability under such sidetrack
 agreements or the use of elevators or escalators at premises owned by, rented
 to or controlled by the named insured, property in the care, custody or
 control of the insured or property as to which the insured for any purpose is
 exercising physical control, or (4) any goods, products or containers thereof
 manufactured, sold, handled or distributed or premises alienated by the named
 insured, or work completed by or for the named insured, out of which the
 accident arises;

 
	
  

 	
  

 
	
 (i)

 	
 under
 coverage B to injury to or destruction of buildings or property therein,
 wherever occurring, arising out of any of the following causes, if such cause
 occurs on or from premises owned by or rented to the named insured: (1) the
 discharge, leakage or overflow of water or steam from plumbing, heating,
 refrigerating or air-conditioning systems, standpipes for fire hose, or
 industrial or domestic appliances, or any substance from automatic sprinkler
 systems, (2) the collapse or fall of tanks or the component parts or supports
 thereof which form a part of automatic sprinkler systems, or (3) rain or snow
 admitted directly to the building interior through defective roofs, leaders
 or spouting, or open or defective doors, windows, skylights, transoms or
 ventilators; but this exclusion does not apply to loss due to fire, to the
 use of elevators or escalators, or to operations performed by independent
 contractors.

 

NUCLEAR ENERGY LIABILITY EXCLUSION

Subject to the provisions of
paragraph E of this exclusion, the policy and any endorsement used therewith,
regardless of whether such endorsement makes the policy exclusions
inapplicable, does not apply:

	
  

 	
  

 	
  

 
	
 A.

 	
 Under
 any liability coverage, to injury, sickness, disease, death or destruction

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 with
 respect to which an insured under the policy is also an insured under a
 nuclear energy liability policy issued by the Nuclear Energy Liability
 Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear
 Insurance Association of Canada, or would be an insured under any such policy
 but for its termination upon exhaustion of its limit of liability; or

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 resulting
 from the hazardous properties of nuclear material and with respect to which
 (1) any person or organization is required to maintain financial protection
 pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or
 (2) the insured is, or had this policy not been issued would be, entitled to
 indemnity from the United States of America, or any agency thereof, under any
 agreement entered into by the United States of America, or any agency
 thereof, with any person or organization.

 
	
  

 	
  

 	
  

 
	
 B.

 	
 Under
 any medical payments coverage, or under any supplementary payments provision
 relating to immediate medical or surgical relief, to expenses incurred with
 respect to bodily injury, sickness, disease or death resulting from the
 hazardous properties of nuclear material and arising out of the operation of
 a nuclear facility by any person or organization.

 

GL-3

	
  

 	
  

 	
  

 
	
 C.

 	
 Under
 any liability coverage, to injury, sickness, disease, death or destruction
 resulting from the hazardous properties of nuclear material, if

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 the
 nuclear material (1) is at any nuclear facility owned by, or operated by or
 on behalf of, an insured or (2) has been discharged or dispersed therefrom;

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 the
 nuclear material is contained in spent fuel or waste at any time possessed,
 handled, used, processed, stored, transported or disposed of by or on behalf
 of an insured; or

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 the
 injury, sickness, disease, death or destruction arises out of the furnishing
 by an insured of services, materials, parts or equipment in connection with
 the planning, construction, maintenance, operation or use of any nuclear
 facility, but if such facility is located within the United States of
 America, its territories or possessions or Canada, this exclusion (c) applies
 only to injury to or destruction of property at such nuclear facility.

 
	
  

 	
  

 	
  

 
	
 D.

 	
 As
 used in this Nuclear Energy Liability Exclusion

 
	
  

 	
  

 	
  

 
	
  

 	
 “hazardous
 properties” include radioactive, toxic or explosive properties;

 
	
  

 	
  

 	
  

 
	
  

 	
 “nuclear
 material” means source material, special nuclear material or byproduct
 material;

 
	
  

 	
  

 	
  

 
	
  

 	
 “source
 material”, “special nuclear material”, and “byproduct material” have the
 meanings given them in the Atomic Energy Act of 1954 or in any law amendatory
 thereof;

 
	
  

 	
  

 	
  

 
	
  

 	
 “spent
 fuel” means any fuel element or fuel component, solid or liquid, which has
 been used or exposed to radiation in a nuclear reactor;

 
	
  

 	
  

 	
  

 
	
  

 	
 “waste”
 means any waste material (1) containing byproduct material and (2) resulting
 from the operation by any person or organization of any nuclear facility
 included within the definition of nuclear facility under paragraph (a) or (b)
 thereof;

 
	
  

 	
  

 	
  

 
	
  

 	
 “nuclear
 facility” means

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 any
 nuclear reactor,

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 any
 equipment or device designed or used for (1) separating the isotopes of
 uranium or plutonium, (2) processing or utilizing spent fuel, or (3)
 handling, processing or packaging waste,

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 any
 equipment or device used for the processing, fabricating or alloying of
 special nuclear material if at any time the total amount of such material in
 the custody of the insured at the premises where such equipment or device is
 located consists of or contains more than 25 grams of plutonium or uranium
 233 or any combination thereof, or more than 250 grams of uranium 235,

 
	
  

 	
  

 	
  

 
	
  

 	
 (d)

 	
 any
 structure, basin, excavation, premises or place prepared or used for the
 storage or disposal of waste,

 
	
  

 	
  

 	
  

 
	
  

 	
 and
 includes the site on which any of the foregoing is located, all operations
 conducted on such site and all premises used for such operations;

 
	
  

 	
  

 	
  

 
	
  

 	
 “nuclear
 reactor” means any apparatus designed or used to sustain nuclear fission in a
 self-supporting chain reaction or to contain a critical mass of fissionable
 material;

 
	
  

 	
  

 	
  

 
	
  

 	
 With
 respect to injury to or destruction of property, the word “injury” or
 “destruction” includes all forms of radioactive contamination of property.

 
	
  

 	
  

 	
  

 
	
 E.

 	
 The
 provisions of this Nuclear Energy Liability Exclusion do not apply to family
 automobile, comprehensive personal liability and farmer’s comprehensive
 personal liability insurance.

 

CONDITIONS

(Unless otherwise noted, the conditions apply to all coverages under
this endorsement)

1.     PREMIUM: An estimated premium for
this endorsement has been used as a factor in the computation of the
Provisional premium for this policy. The actual premium for the insurance
afforded by this

GL-4

endorsement,
determined in accordance with the Company’s rules, rates, rating plans,
premiums and minimum premiums applicable to this insurance, shall be included
as a factor in the computation of the earned premium for this policy.

	
  

 	
  

 	
  

 
	
  

 	
 When used as a premium
 basis:

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 the
 word “admissions” means the total number of persons, other than employees of
 the named insured, admitted to the event insured or to events conducted on
 the premises whether on paid admission tickets, complimentary tickets or
 passes;

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 the
 word “cost” means the total cost to (a) the named insured with respect to
 operations performed for the named insured during the policy period by
 independent contractors, or (b) any indemnitee with respect to any contract
 covered by this policy, of all work let or sub-let in connection with each
 specific project, including the cost of all labor, materials and equipment
 furnished, used or delivered for use in the execution of such work, whether
 furnished by the owner, contractor or subcontractor, including all fees,
 allowances, bonuses or commissions made, paid or due;

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 the
 word “receipts” means the gross amount of money charged by the named insured
 for such operations by the named insured or by others during the policy
 period as are rated on a receipts basis other than receipts from telecasting,
 broadcasting or motion pictures, and includes taxes, other than taxes which
 the named insured collects as a separate item and remits directly to a
 governmental division;

 
	
  

 	
  

 	
  

 
	
  

 	
 (4)

 	
 the
 word “remuneration” means the entire remuneration earned during the policy
 period by proprietors and by all employees of the named insured, other than
 drivers of teams or automobiles and aircraft pilots and co-pilots, subject
 to any overtime earnings or limitation of remuneration rule applicable in
 accordance with the manuals in use by the company;

 
	
  

 	
  

 	
  

 
	
  

 	
 (5)

 	
 the
 word “sales” means the gross amount of money charged by the named insured or
 by others trading under his name for all goods and products sold or
 distributed during the policy period and charged during the policy period for
 installation, servicing or repair, and includes taxes, other than taxes which
 the named insured and such others collect as a separate item and remit
 directly to a governmental division.

 

          The
named insured shall maintain for each hazard records of the information necessary
for premium computation.

2.     DEFINITIONS:

(a)
Contract. The word “contract”
means, if in writing, a lease of premises, easement agreement, agreement
required by municipal ordinance, sidetrack agreement, or elevator or escalator
maintenance agreement.

(b)
Automobile. The word “automobile”
means a land motor vehicle, trailer or semitrailer, provided:

	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 The
 following described equipment shall be deemed an automobile while towed by or
 carried on an automobile not so described, but not otherwise: if of the
 crawler-type, any tractor, power crane or shovel, ditch or trench digger; any
 farm-type tractor; any concrete mixer other than of the mix-in-transit type;
 any grader, scraper, roller or farm implement; and, if not subject to motor
 vehicle registration, any other equipment not specified in (2) below, which
 is designed for use principally off public roads.

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 The
 following described equipment shall be deemed an automobile while towed by or
 carried on an automobile as above defined solely for purposes of
 transportation or while being operated solely for locomotion, but not
 otherwise; if of the non-crawler type, any power crane or shovel, ditch or
 trench digger; and any air-compressing, building or vacuum cleaning, spraying
 or welding equipment or well drilling machinery.

 

(c)
Products Hazard. The term
“products hazard” means

	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 goods or products
 manufactured, sold, handled or distributed by the named insured or by others
 trading under his name, if the
 accident occurs after possession of such goods or products has been
 relinquished to others by the named insured or by others trading under his
 name and if

 

GL-5

	
  

 	
  

 	
  

 
	
  

 	
  

 	
 such accident occurs
 away from premises owned, rented or controlled by the named insured or on
 premises for which the classification stated in the company’s manual excludes
 any part of the foregoing; provided, such goods or products shall be deemed
 to include any container thereof, other than a vehicle, but shall not include
 any vending machine or any property, other than such container, rented to or
 located for use of others but not sold;

 
	
  

 	
  

 
	
  

 	
 (2)

 	
 operations, including
 any act or omission in connection with operations performed by or on behalf
 of the named insured on the premises or elsewhere and whether or not goods or
 products are involved in such operations, if the accident occurs after such
 operations have been completed or abandoned and occurs away from premises
 owned, rented or controlled by the named insured; provided, operations shall
 not be deemed incomplete because improperly or defectively performed or
 because further operations may be required pursuant to an agreement; provided
 further, the following shall not be deemed to be “operations” within the
 meaning of this paragraph: (a) pickup or delivery, except from or onto a
 railroad car, (b) the maintenance of vehicles owned or used by or in behalf
 of the insured, (c) the existence of tools, uninstalled equipment and
 abandoned or unused materials and (d) operations for which the classification
 stated in the company’s manual specifically includes completed operations.

 
	
  

 	
  

 	
  

 
	
 (d)

 	
 Assault and Battery. Assault
 and battery shall be deemed an accident unless committed by or at the
 direction of the insured.

 

3. LIMITS OF LIABILITY: Coverage A. The limit
of bodily injury liability stated in the declarations as applicable to “each
person” is the limit of the company’s liability for all damages, including damages
for care and loss of services, arising out of bodily injury, sickness or
disease, including death at any time resulting therefrom, sustained by one
person as the result of any one accident; the limit of such liability stated in
the declarations as applicable to “each accident” is, subject to the above
provision respecting each person, the total limit of the company’s liability
for all damages, including damages for care and loss of services, arising out
of bodily injury, sickness or disease, including death at any time resulting
therefrom, sustained by two or more persons as the result of any one accident.

4. LIMITS OF LIABILITY—PRODUCTS: Subject to the limit of
liability with respect to “each accident”, the limits of bodily injury
liability and property damage liability stated in the declarations as
“aggregate products” are respectively the total limits of the company’s
liability for all damages arising out of the products hazard. Such aggregate
limits shall apply separately to each of the three consecutive annual periods
comprising the policy period. All such damages arising out of one lot of goods
or products prepared or acquired by the named insured or by another trading
under his name shall be considered as arising out of one accident.

5. LIMITS OF LIABILITY: Coverage B. The limit
of property damage liability stated in the declarations as applicable to “each
accident” is the total limit of the company’s liability for all damages arising
out of injury to or destruction of all property of one or more persons or
organizations, including the loss of use thereof, as the result of any one
accident.

     Subject to the limit of
liability with respect to “each accident”, the limit of property damage
liability stated in the declarations as “aggregate operations” is the total
limit of the company’s liability for all damages arising out of injury to or
destruction of property, including the loss of use thereof, caused by the
ownership, maintenance or use of premises or operations rated on a remuneration
premium basis or by contractors’ equipment rated on a receipts premium basis.

     Subject to the limit of
liability with respect to “each accident”, the limit of property damage
liability stated in the declarations as “aggregate protective” is the total
limit of the company’s liability for all damages arising out of injury to or
destruction of property, including the loss of use thereof, caused by
operations performed for the named insured by independent contractors or
general supervision thereof by the named insured, except (a) maintenance and
repairs at premises owned by or rented to the named insured and (b) structural
alterations at such premises which do not involve changing the size of or
moving buildings or other structures.

     Subject to the limit of
liability with respect to “each accident”, the limit of property damage
liability stated in the declarations as “aggregate contractual” is the total
limit of the company’s liability for all damages arising out of injury to or
destruction of property, including the loss of use thereof, with respect to
liability assumed by the insured under contracts covered by this policy in
connection with operations for which there is an “aggregate operations” limit
of property damage liability stated in the declarations.

GL-6

     The
limits of property damage liability stated in the declarations as “aggregate
operations”, “aggregate protective” and “aggregate contractual” apply
separately to each project with respect to operations being performed away from
premises owned by or rented to the named insured. Such aggregate limits shall
apply separately to each of the three consecutive annual periods comprising the
policy period.

6. SEVERABILITY OF INTERESTS: The term “the
insured” is used in this endorsement severally and not collectively, but the
inclusion herein of more than one insured shall not operate to increase the
limits of the company’s liability.

7. NOTICE OF ACCIDENT: When an accident
occurs written notice shall be given by or on behalf of the insured to the
company or any of its authorized agents as soon as practicable. Such notice
shall contain particulars sufficient to identify the insured and also
reasonably obtainable information respecting the time, place and circumstances
of the accident, the names and addresses of the injured and of available
witnesses.

8. NOTICE OF CLAIM OR SUIT: If claim is made
or suit is brought against the insured, the insured shall immediately forward
to the company every demand, notice, summons or other process received by him
or his representative.

9. ASSISTANCE AND COOPERATION OF THE INSURED: The
insured shall cooperate with the company and, upon the company’s request, shall
attend hearings and trials and shall assist in effecting settlements, securing
and giving evidence, obtaining the attendance of witnesses and in the conduct
of suits. The insured shall not, except at his own cost, voluntarily make any
payment, assume any obligation or incur any expense other than for such
immediate medical and surgical relief to others as shall be imperative at the time
of accident.

10. ACTION AGAINST COMPANY: No action shall
lie against the company unless, as a condition precedent thereto, the insured
shall have fully complied with all the terms of this endorsement, nor until the
amount of the insured’s obligation to pay shall have been finally determined
either by judgment against the insured after actual trial or by written
agreement of the insured, the claimant and the company.

     Any
person or organization or the legal representative thereof who has secured such
judgment or written agreement shall thereafter be entitled to recover under
this endorsement to the extent of the insurance afforded by this endorsement.
Nothing contained in this endorsement shall give any person or organization any
right to join the company as a codefendant in any action against the insured to
determine the insured’s liability.

     Bankruptcy
or insolvency of the insured or of the insured’s estate shall not relieve the
company of any of its obligations hereunder.

11. OTHER INSURANCE: If the insured has other
insurance against a loss covered by this endorsement the company shall not be
liable under this endorsement for a greater proportion of such loss than the
applicable limit of liability stated in the declarations bears to the total applicable
limit of liability of all valid and collectible insurance against such loss.

12. SUBROGATION: In the event of any payment
under this endorsement, the company shall be subrogated to all the insured’s
rights of recovery therefor against any person or organization and the insured
shall execute and deliver instruments and papers and do whatever else is
necessary to secure such rights. The insured shall do nothing after loss to
prejudice such rights.

13. ASSIGNMENT: Assignment of interest under
this endorsement shall not bind the company until its consent is endorsed
hereon; if, however, the named insured shall die, this endorsement shall cover
the named insured’s legal representative as named insured.

14. CANCELLATION: This endorsement may be
canceled in accordance with lines 56 to 67 on page 2 of the policy of which it
forms a part.

15. DECLARATIONS: By acceptance of this
endorsement the named insured agrees that the statements in the declarations of
this endorsement are his agreements and representations, that this endorsement
is issued in reliance upon the truth of such representations and that this
endorsement embodies all agreements existing between himself and the company or
any of its agents relating to this insurance.

16. All the General
Provisions of the policy apply to this endorsement except those specifically
stated to apply only to other parts.

GL-7

Endorsement No.
CBP 601

 “CAUSED
BY ACCIDENT” ELIMINATED

(Bodily injury only)

With respect to such
insurance as is afforded under Coverage A of Part VI (Comprehensive General
Liability), it is agreed as follows:

	
  

 	
  

 	
  

 
	
  

 	
 1.

 	
 The words “caused by
 accident” are deleted from coverage A of Insuring Agreement I, and wherever
 the word “accident” appears elsewhere in Part VI, when applicable to coverage
 A, it shall be understood to mean an occurrence causing bodily injury,
 sickness, disease or death.

 
	
  

 	
  

 	
  

 
	
  

 	
 2.

 	
 This endorsement does
 not apply to bodily injury, sickness, disease or death caused intentionally
 by or at the direction of the insured.

 

GL-8

Endorsement No.
CBP 602

 “CAUSED BY ACCIDENT” ELIMINATED 

PROPERTY DAMAGE LIABILITY

It is agreed as follows:

	
  

 	
  

 
	
 1.

 	
 Coverage B—Property
 Damage Liability, under Insuring Agreement I of Part VI is deleted and the
 following provision substituted therefor:

 
	
  

 	
  

 
	
  

 	
 COVERAGE B—PROPERTY
 DAMAGE LIABILITY

 
	
  

 	
  

 
	
  

 	
 To pay on behalf of the
 insured all sums which the insured shall become legally obligated to pay as
 damages because of physical injury to or physical destruction of tangible
 property (including any loss of use resulting directly therefrom), caused by
 an occurrence.

 
	
  

 	
  

 
	
 2.

 	
 Wherever the word
 “accident” appears in Part VI of the policy in connection with the insurance
 provided for Property Damage Liability, it shall be understood to mean an
 “occurrence” for which insurance is afforded hereunder.

 
	
  

 	
  

 
	
 3.

 	
 The word “occurrence”
 includes accident and also means any unforeseen event, or continuous or
 repeated exposure to harmful conditions which cause physical injury to or
 physical destruction of tangible property.

 
	
  

 	
  

 
	
 4.

 	
 If the insured’s
 alleged liability arises out of a continuous or repeated exposure to harmful
 conditions, the insurance afforded hereunder shall be applicable only if the
 first day of the first exposure to such conditions occurs during the policy
 period. All consequences of a continuous harmful condition shall be
 considered the result of a single occurrence. 

 
	
  

 	
  

 
	
 5.

 	
 Part VI of the policy
 does not apply to liability arising from intentional harms committed by or at
 the direction of the insured.

 

	
  

 	
  

 
	
  

 	
 Endorsement No. CBP 617 

 
	
  

 	
 Policy No. CBP 95806 

 

CONTRACTUAL LIABILITY ENDORSEMENT

This endorsement forms
part of Part VI of the above-numbered policy.

SCHEDULE

The insurance afforded
under this endorsement is only with respect to such and so many of the
following coverages as are indicated by specific limits of liability.

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Coverages

 	
  

 	
 Limits of Liability

 
	
 Y
 Contractual Bodily Injury Liability

 	
  

 	
 $100,000.00

 	
  

 	
 each
 person 

 
	
  

 	
  

 	
 $300,000.00

 	
  

 	
 each
 accident 

 
	
 Z
 Contractual Property Damage Liability

 	
  

 	
 $100,000.00

 	
  

 	
 each
 accident 

 
	
  

 	
  

 	
 $100,000.00

 	
  

 	
 aggregate
 

 

	
  

 	
  

 	
  

 
	
 Designation of Contracts

 	
  

 	
 Premium Bases

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (a) Number Insured

 
	
  

 	
  

 	
 (b) Cost

 
	
  

 	
  

 	
  

 
	
 ANY WRITTEN CONTRACT

 	
  

 	
 BASES TO BE DETERMINED 

 

The company agrees with
the named insured, in consideration of the payment of the premiums and in
reliance upon the statements in the declarations and in the schedule above and
subject to the limits of liability, exclusions, conditions and other terms of
this endorsement:

INSURING
AGREEMENTS

	
  

 	
  

 
	
 I.

 	
 Coverage Y —
Contractual Bodily Injury Liability

 
	
  

 	
  

 
	
  

 	
           To
 pay on behalf of the insured all sums which the insured, by reason of the
 liability assumed by him under any written contract designated in the
 schedule above, shall become legally obligated to pay as damages because of
 bodily injury, sickness or disease, including death at any time resulting
 therefrom, sustained by any person and caused by accident. 

Coverage Z —
 Contractual Property Damage Liability

 
	
  

 	
  

 
	
  

 	
           To
 pay on behalf of the insured all sums which the insured, by reason of the
 liability assumed by him under any written contract designated in the
 schedule above, shall become legally obligated to pay as damages because of
 injury to or destruction of property, including the loss of use thereof,
 caused by accident.

 
	
  

 	
  

 
	
 II.

 	
 Defense, Settlement,
 Supplementary Payments. The provisions of Insuring Agreement II of Part VI of
 the policy, other than paragraph (b)(3) thereof, are applicable to the
 insurance afforded under this endorsement. With respect to such injury,
 sickness, disease or destruction as is covered by the terms of this
 endorsement, the company also shall defend an arbitration proceeding wherein
 an indemnitee under a written contract designated in the schedule above seeks
 damages against the insured on account thereof, and wherein the company is
 entitled to exercise the insured’s rights in the choice of arbitrators and in
 the conduct of such arbitration proceedings.

 
	
  

 	
  

 
	
 III.

 	
 Definition of Insured.
 The provisions of Insuring Agreement III of Part VI of the policy are applicable
 to the insurance afforded under this endorsement.

 
	
  

 	
  

 
	
 IV.

 	
 Endorsement Period,
 Territory. This endorsement applies only to accidents which occur on and
 after the effective date hereof, during the policy period and within the
 United States of America, its territories or possessions, or Canada.

 

EXCLUSIONS

This endorsement does not
apply:

	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 to liability for any
 warranty of goods or products;

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 to damages awarded in
 arbitration other than an arbitration proceeding as described in Insuring Agreement
 II of this endorsement but this exclusion shall not apply as respects a lease
 of premises, easement agreement, agreement required by municipal ordinance,
 sidetrack agreement or elevator or escalator maintenance agreement;

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 to any obligation for
 which the insured may be held liable in an action on a contract by a person
 not a party thereto; 

 
	
  

 	
  

 	
  

 
	
  

 	
 (d)

 	
 if the insured or
 indemnitee is an architect, engineer or surveyor, to injury, sickness,
 disease, death or destruction arising out of defects in maps, plans, designs
 or specifications, prepared, acquired or used by the insured or indemnitee;

 

	
  

 	
  

 	
  

 
	
  

 	
 (e)

 	
 to
 injury, sickness, disease, death or destruction due to war, whether or not
 declared, civil war, insurrection, rebellion or revolution, or to any act or
 condition incident to any of the foregoing;

 
	
  

 	
  

 	
  

 
	
  

 	
 (f)

 	
 to
 liability imposed upon any indemnitee, as a person or organization engaged in
 the business of manufacturing, selling or distributing alcoholic beverages,
 or as an owner or lessor of premises used for such purposes, by reason of any
 statute or ordinance pertaining to the sale, gift, distribution or use of any
 alcoholic beverage;

 
	
  

 	
  

 	
  

 
	
  

 	
 (g)

 	
 under
 coverage Y, to any obligation for which the insured or any carrier as his
 insurer may be held liable under any workmen’s compensation, unemployment
 compensation or disability benefits law, or under any similar law;

 
	
  

 	
  

 	
  

 
	
  

 	
 (h)

 	
 under
 coverage Z, to injury to or destruction of (1) property owned or occupied by
 or rented to the insured, or (2) except with respect to liability under
 sidetrack agreements covered by this endorsement, property used by or in the
 care, custody or control of the insured or property as to which the insured
 for any purpose is exercising physical control;

 
	
  

 	
  

 	
  

 
	
  

 	
 (i)

 	
 under
 coverage Z, to injury to or destruction of any goods, products or containers
 thereof manufactured, sold, handled or distributed or premises alienated by
 the named insured, or work completed by or for the named insured, out of
 which the accident arises;

 
	
  

 	
  

 	
  

 
	
  

 	
 (j)

 	
 under
 coverage Z, to any of the following insofar as any of them occur on or from
 premises owned by or rented to the named insured and injure or destroy
 buildings or property therein and are not due to fire: (1) the discharge,
 leakage or overflow of water or steam from plumbing, heating, refrigerating
 or air-conditioning systems, standpipes for fire hose, or industrial or
 domestic appliances, or any substance from automatic sprinkler systems, (2)
 the collapse or fall of tanks or the component parts or supports thereof
 which form a part of automatic sprinkler systems, or (3) rain or snow
 admitted directly to the building interior through defective roofs, leaders
 or spouting, or open or defective doors, windows, skylights, transoms or
 ventilators.

 

CONDITIONS

	
  

 	
  

 	
  

 
	
 1.

 	
 Policy
 Conditions. All of the Conditions of Part VI of the policy which would apply
 to the bodily injury liability or property damage liability coverages thereof
 shall apply to the insurance under this endorsement except those respecting
 “Definitions”, “Limits of Liability” and “Assistance and Cooperation of the
 Insured”.

 
	
  

 	
  

 
	
 2.

 	
 Limits of Liability

 
	
  

 	
  

 
	
  

 	
 (a)

 	
 Coverage
 Y. The limit of contractual bodily injury liability stated in the schedule
 above as applicable to “each person” is the limit of the company’s liability
 for all damages, including damages for care and loss of services, arising out
 of bodily injury, sickness or disease, including death at any time resulting
 therefrom, sustained by one person as the result of any one accident; the
 limit of such liability stated in the schedule above as applicable to “each
 accident” is, subject to the above provision respecting each person, the
 total limit of the company’s liability for all damages, including damages for
 care and loss of services, arising out of bodily injury, sickness or disease,
 including death at any time resulting therefrom, sustained by two or more
 persons as the result of any one accident.

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 Coverage
 Z. The limit of contractual property damage liability stated in the schedule
 above, as applicable to “each accident” is the total limit of the company’s
 liability for all damages arising out of injury to or destruction of all
 property of one or more persons or organizations, including the loss of use
 thereof, as the result of any one accident; the limit of such liability
 stated in the schedule above as “aggregate” is, subject to the above
 provision respecting “each accident”, the total limit of the company’s
 liability for all damages. Said aggregate limit applies separately to each
 project with respect to operations being performed away from premises owned
 by or rented to the named insured.

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 The
 inclusion herein of more than one insured shall not operate to increase the
 limits of the company’s liability.

 
	
  

 	
  

 	
  

 
	
 3.

 	
 Assistance
 and Cooperation of the Insured. The insured shall cooperate with the company
 and, upon the company’s request, shall attend hearings and trials and shall
 assist in effecting settlements, securing and giving evidence, obtaining the
 attendance of witnesses and in the conduct of suits and arbitration
 proceedings covered hereunder. The insured shall not, except at his own cost,
 voluntarily make any payment, assume any obligation or incur any expense.

 
	
  

 	
  

 
	
 4.

 	
 Premium.
 The premium bases for the contracts described in the schedule above are
 stated therein. When used as a premium basis the word “cost” means the total
 cost to any indemnitee of all work let or sub-let in connection with each
 specific project, including the cost of all labor, materials and equipment
 furnished, used or delivered for use in the execution of such work, whether
 furnished by the owner, contractor or subcontractor, including all fees,
 allowances, bonuses or commissions made, paid or due.

 

Endorsement No.
CBP 634

BROAD FORM PROPERTY DAMAGE COVERAGE — PART VI

It is agreed that
exclusion (h) of Part VI of the policy is replaced by the following: 

 (h)
Under Coverage B:

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 1.

 	
 to injury to or
 destruction of property owned or occupied by or rented to the insured,
 property held by the insured for sale or property entrusted to the insured
 for storage or safekeeping, or

 
	
  

 	
  

 	
  

 
	
  

 	
 2.

 	
 except with respect to
 liability under sidetrack agreements covered by Part VI of this policy or the
 use of elevators or escalators at premises owned, rented or controlled by the
 insured, to injury to or destruction of

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (i)

 	
 property while on
 premises owned by or rented to the insured for the purpose of having
 operations performed on such property by or on behalf of the insured,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 tools or equipment
 while being used by the insured in performing his operations,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (iii)

 	
 property in the custody
 of the insured which is to be installed, erected or used in construction by
 the insured,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (iv)

 	
 that particular part of
 any property, not on premises owned by or rented to the insured,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (a)

 	
 upon which operations
 are being performed by or on behalf of the insured at the time of the injury
 thereto or destruction thereof, arising out of such operations, or

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (b)

 	
 out of which any injury
 or destruction arises, or

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (c)

 	
 the restoration, repair
 or replacement of which has been made or is necessary by reason of faulty
 workmanship thereon by or on behalf of the insured.

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (v)

 	
 property which is being
 transported by the insured by motor vehicle or team, including the loading or
 unloading thereof.

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 3.

 	
 to injury or
 destruction of any goods, products or containers thereof manufactured, sold,
 handled or distributed or premises alienated by the named insured, or work
 completed by or for the named insured, out of which the accident arises.

 

Endorsement No.
CBP 644

EMPLOYERS’ NON-OWNERSHIP LIABILITY — AIRCRAFT

It is agreed that
notwithstanding anything to the contrary set forth in exclusion (c) of Part VI
of this policy the insurance afforded under Part VI of the policy applies to
the liability of the insured for bodily injury, sickness, disease or death or
injury to or destruction of property arising out of the operation of any
aircraft by any employee of the insured, subject to the following provisions:

	
  

 	
  

 	
  

 
	
  

 	
 1.

 	
 The insurance does not
 apply to the operation of any aircraft owned in whole or in part by, or
 registered in the name of, the insured.

 
	
  

 	
  

 	
  

 
	
  

 	
 2.

 	
 The insurance shall be
 excess over any other valid and collectible insurance available to the
 insured, either as an insured under a policy applicable with respect to the
 aircraft or otherwise, against a loss for which insurance is afforded by this
 endorsement.

 

Endorsement No.
CBP 678A 
Policy No. CBP 95806          

PERSONAL INJURY LIABILITY COVERAGE—PART VI

          This
endorsement forms part of Part VI of the above-numbered policy.

SCHEDULE

          The
insurance afforded under this endorsement is only with respect to such of the
following hazards as are indicated by the word “INCLUDED”.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Hazards

 	
  

 	
 Indicate if
 Included

 	
  

 	
 Limits of Liability

 
	
 A

 	
  

 	
 False arrest, detention or
 imprisonment, or malicious prosecution

 	
  

 	
 INCLUDED

 	
  

 	
 $100,000.00

 	
  

 	
 each person aggregate

 
	
 B

 	
  

 	
 Libel, slander or defamation of character

 	
  

 	
 INCLUDED

 	
  

 	
  

 	
  

 	
  

 
	
 C

 	
  

 	
 Invasion of privacy, wrongful eviction or wrongful
 entry

 	
  

 	
 INCLUDED

 	
  

 	
 $300,000.00

 	
  

 	
 endorsement aggregate 

 
	
  

 	
  

 	
  

 	
  

 	
 Insured’s
 participation          NIL

 	
  

 	
 %

 

          The
company agrees with the named insured, in consideration of the payment of the
premium and in reliance upon the statements in the declarations and subject to
all of the terms of this endorsement:

INSURING
AGREEMENTS

	
  

 	
  

 	
  

 
	
 I.

 	
 PERSONAL INJURY LIABILITY COVERAGE

 
	
  

 	
  

 
	
  

 	
 To pay on behalf of the
 insured all sums which the insured shall become legally obligated to pay as
 damages because of injury sustained by any person or organization and arising
 out of the following hazards in the conduct of the named insured’s business,
 and the company shall defend any suit against the insured alleging such
 injury and seeking damages which are payable under the terms of this
 endorsement, even if any of the allegations of the suit are groundless, false
 or fraudulent; but the company may make such investigation and settlement of
 any claim or suit as it deems expedient:

 
	
  

 	
  

 
	
  

 	
 Hazard A False arrest, detention or imprisonment, or
 malicious prosecution

 
	
  

 	
  

 
	
  

 	
 Hazard B Libel, slander or defamation of character

 
	
  

 	
  

 
	
  

 	
 Hazard C Invasion of privacy, wrongful eviction or
 wrongful entry

 
	
  

 	
  

 
	
 II.

 	
 SUPPLEMENTARY PAYMENTS

 
	
  

 	
  

 
	
  

 	
 To pay, in addition to the applicable limits of
 liability.

 
	
  

 	
  

 
	
  

 	
 (1)

 	
 all expenses incurred
 by the company, all costs taxed against the insured in any defended suit and
 all interest on the entire amount of any judgment therein which accrues after
 entry of the judgment and before the company has paid or tendered or
 deposited in court that part of the judgment which does not exceed the limit
 of the company’s liability thereon;

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 premiums on appeal
 bonds required in any such suit, premiums on bonds to release attachments for
 an amount not in excess of the applicable limit of liability of this
 endorsement, but without any obligation to apply for or furnish any such
 bonds;

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 all reasonable
 expenses, other than loss of earnings, incurred by the insured at the
 company’s request.

 
	
  

 	
  

 	
  

 
	
 III.

 	
 DEFINITION OF INSURED

 
	
  

 	
  

 
	
  

 	
 The unqualified word
 “insured” includes the named insured and also includes any executive officer,
 director or stockholder thereof while acting within the scope of his duties
 as such. If the named

 

LIAB.
6181

	
  

 	
  

 	
  

 
	
  

 	
 insured
 is a partnership, the unqualified word “insured” also includes any partner
 therein but only with respect to his liability as such.

 
	
  

 	
  

 
	
  

 	
 The
 insurance afforded under this endorsement applies separately to each insured
 against whom claim is made or suit is brought, but the inclusion herein of
 more than one insured shall not operate to increase the limits of the
 company’s liability.

 
	
  

 	
  

 
	
 IV.

 	
 ENDORSEMENT
 PERIOD, TERRITORY

 
	
  

 	
  

 
	
  

 	
 This
 endorsement applies only to injury occurring on and after the effective date
 hereof, during the policy period and within the United States of America, its
 territories or possessions, or Canada.

 
	
  

 	
  

 
	
 EXCLUSIONS

 
	
  

 	
  

 	
  

 
	
 This
 endorsement does not apply:

 
	
  

 
	
  

 	
 (a)

 	
 to
 liability assumed by the insured under any contract or agreement;

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 to
 injury arising out of the wilful violation of a penal statute or ordinance
 committed by or with the knowledge or consent of any insured;

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 to
 injury arising out of any advertising, broadcasting or telecasting activities
 by or for the insured;

 
	
  

 	
  

 	
  

 
	
  

 	
 (d)

 	
 to
 injury sustained by any person who is an employee of any insured at the time
 of the offense causing the injury.

 
	
  

 	
  

 	
  

 
	
 CONDITIONS

 
	
  

 	
  

 	
  

 
	
 1.

 	
 Policy Conditions

 
	
  

 	
  

 
	
  

 	
 Any
 conditions in Part VI of the policy captioned “Premium”, “Notice of Claim or
 Suit”, “Assistance and Cooperation of the Insured”, “Action Against Company”,
 “Other Insurance”, “Subrogation”, “Assignment”, “Cancelation” and
 “Declarations” apply to the insurance afforded by this endorsement.

 
	
  

 	
  

 
	
 2.

 	
 Notice of Injury or Occurrence

 
	
  

 	
  

 
	
  

 	
 In
 the event of injury to which this endorsement applies or of an occurrence
 which may give rise to a claim therefor, written notice shall be given by or
 on behalf of the insured to the company or any of its authorized agents as
 soon as practicable. Such notice shall contain particulars sufficient to
 identify the insured and also reasonably obtainable information respecting
 the time, place and circumstances of the occurrence, the names and addresses
 of the injured and of available witnesses.

 
	
  

 	
  

 
	
 3.

 	
 Insured’s Participation

 
	
  

 	
  

 
	
  

 	
 If
 a participation percentage is stated in the Schedule for the insured, the
 company shall not be liable for a greater proportion of any loss than the
 difference between such percentage and one hundred per cent, and the balance
 of the loss shall be borne by the insured; provided, the company may pay the
 insured’s said proportion of a loss to effect settlement of the loss and,
 upon notification of the action taken, the named insured shall promptly
 reimburse the company therefor.

 
	
  

 	
  

 
	
 4.

 	
 Limits of Liability

 
	
  

 	
  

 
	
  

 	
 The limit of liability
 stated in the Schedule as applicable to “each person aggregate” is the limit
 of the company’s liability under this endorsement for all damages arising out
 of one or more injuries sustained by the same person or organization during
 the endorsement period; the limit of liability stated in the Schedule as
 “endorsement aggregate” is, subject to the above provision respecting “each
 person aggregate” the total limit of the company’s liability under this
 endorsement for all damages.

 

	
  

 	
  

 
	
  

 	
 Endorsement No. CBP 686 

 
	
  

 	
 Policy No. CBP 95806

 

AGGREGATE LIMITS ENDORSEMENT

          The aggregate limits of liability stated in
Endorsement No. CBP 617 AND CBP 678A apply separately to each of the
three consecutive annual periods comprising the policy period.

 For use with End. No. CBP
 610, 611A, 626, 642, 678A and [ILLEGIBLE] similar
 separate endorsements containing aggregate limits of liability.

	
  

 	
  

 
	
  

 	
 SPECIAL
 ENDORSEMENT A 

 
	
  

 	
 POLICY
 NO. CBP 95806

 

ADDITIONAL INSURED - PART VI

IT
IS AGREED THAT SUCH INSURANCE AS IS AFFORDED BY PART VI OF THE POLICY APPLIES
TO THE ORGANIZATIONS NAMED BELOW:

	
  

 	
  

 
	
 1.

 	
 THE
 BUNKER HILL COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP AND OPERATION OF THE
 STAR MINE

 
	
  

 	
  

 
	
 2.

 	
 AMERICAN
 SMELTING AND REFINING COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP AND
 OPERATION OF THE MORNING MINE

 
	
  

 	
  

 
	
 3.

 	
 NEW
 PARK MINING COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP AND OPERATION OF THE
 MAYFLOWER MINE

 
	
  

 	
  

 
	
 4.

 	
 RUBY
 HILL MINING COMPANY

 
	
  

 	
  

 
	
 5.

 	
 NEWMONT
 MINING COMPANY

 
	
  

 	
  

 
	
 6.

 	
 SILVER
 EUREKA CORPORATION

 
	
  

 	
  

 
	
 7.

 	
 CYPRESS
 EXPLORATION CORPORATION

 
	
  

 	
  

 
	
 8.

 	
 RICHMOND-EUREKA
 MINING COMPANY

 

THE
INTEREST OF ADDITIONAL INSUREDS 4, 5, 6, 7 AND 8 APPLY ONLY AS RESPECT THE
OWNERSHIP AND OPERATION OF THE RUBY HILL MINE, AND/OR RUBY HILL PROJECT

CBP
17

	
  

 	
  

 
	
  

 	
 SPECIAL
 ENDORSEMENT B 

 
	
  

 	
 POLICY
 NO. CBP 95806

 

ADDITIONAL
INSURING AGREEMENT - PART VI

IT
IS HEREBY AGREED THAT “INSURING AGREEMENT I” OF THE PERSONAL INJURY LIABILITY
COVERAGE ENDORSEMENT IS AMENDED BY THE INCLUSION THEREIN OF THE FOLLOWING:

	
  

 	
  

 
	
 DAZARD D

 	
 DISCRIMINATION (OTHER THAN UNFAIR TRADE PRACTICES),
 WHERE INSURANCE IN CONNECTION THEREWITH IS NOT PROHIBITED OR HELD VIOLATIVE
 OF LAW OR PUBLIC POLICY BY LEGISLATION, COURT DECISION OR ADMINISTRATIVE
 RULING.

 

CBP 17

	
  

 	
  

 
	
 The CONTINENTAL INSURANCE COMPANY

 A Stock Company Organized 1853

 
	
  

 	
  

 
	
 160 PINE STREET, SAN FRANCISCO, CALIFORNIA 94111

 
	
 COMPREHENSIVE BUSINESS POLICY

 	
 No. CBP 98131

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Amount:
 (As stated in
 Schedules.)

 	
 Provisional Premium

 
	
 Policy
 Term:

 	
 Three Years

 	
 $

 	
 223,002.00  

 	
 if
 paid in advance.

 
	
 Inception:

 	
 JANUARY 1, 1969

 	
 $

 	
 78,051.00  

 	
 each
 installment, if paid in installments.

 
	
 Expiration:

 	
 JANUARY
 1, 1972

 	
  

 	
  

 

INSURED’S NAME AND MAILING ADDRESS

	
  

 	
  

 
	
  

 	
 1.
 HECLA MINING COMPANY 2. HECLA MINING COMPANY OF CANADA, LTD., 3. NEW PARK
 MINING COMPANY WITH RESPECT TO THE MAYFLOWER MINE, WASATCH COUNTY, UTAH ONLY

 

P.O. BOX 320 

WALLACE, IDAHO

Insurance
is afforded only under those parts of the policy designated by the word
“Included” opposite such part below. The insurance afforded under any part is
only in the amounts and to the extent set forth in such part, subject to all
the terms of the policy having reference thereto.

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Part I

 	
  

 	
 Fire,
 Lightning, Windstorm and Hail, Explosion, Riot, Riot attending a Strike,
 Civil Commotion, Aircraft and Vehicles, Sonic Shock Waves, Smoke, Vandalism
 and Malicious Mischief, Sprinkler Leakage, Elevator Collision, Accident to an
 Object (Steam Boiler, Fired Pressure Vessel or Electric Steam Generator)

 	
  

 	
 INCLUDED

 
	
  

 
	
 Part I (Optional)

 	
  

 	
 Unfired Vessels and
 Machinery

 	
  

 	
 INCLUDED

 
	
 Part II

 	
  

 	
 Business Income

 	
  

 	
 INCLUDED

 
	
 Part III

 	
  

 	
 Inland Marine

 	
  

 	
 INCLUDED

 
	
 Part IV

 	
  

 	
 Automobile Physical Damage

 	
  

 	
 INCLUDED

 
	
 Part V

 	
  

 	
 Comprehensive Automobile
 Liability

 	
  

 	
 INCLUDED

 
	
 Part VI

 	
  

 	
 Comprehensive General
 Liability

 	
  

 	
 INCLUDED

 
	
 Part VII

 	
  

 	
 Crime

 	
  

 	
 INCLUDED

 

IN CONSIDERATION OF THE PROVISIONS AND STIPULATIONS HEREIN OR
ADDED HERETO AND OF
the premium above specified, this Company for the term of years specified above
from inception date shown above At Noon (Standard Time) to expiration date
shown above At Noon (Standard Time) at location of property involved, to an
amount not exceeding the amount(s) above specified, does insure the insured
named above and legal representatives, to the extent of the actual cash value
of the property at the time of loss, but not exceeding the amount which it
would cost to repair or replace the property with material of like kind and
quality within a reasonable time after such loss, without allowance for any
increased cost of repair or reconstruction by reason of any ordinance or law
regulating construction or repair, and without compensation for loss resulting
from interruption of business or manufacture, nor in any event for more than
the interest of the insured, against all DIRECT
LOSS BY FIRE, LIGHTNING AND BY REMOVAL FROM PREMISES ENDANGERED BY THE PERILS
INSURED AGAINST IN THIS POLICY, EXCEPT AS HEREINAFTER PROVIDED, to
the property described hereinafter while located or contained as described in
this policy, or pro rata for five days at each proper place to which any of the
property shall necessarily be removed for preservation from the perils insured
against in this policy, but not elsewhere. 

Assignment of this policy shall not
be valid except with the written consent of this Company.

This
policy is made and accepted subject to the foregoing provisions and
stipulations and those hereinafter stated, which are hereby made a part of this
policy, together with such other provisions, stipulations and agreements as may
be added hereto, as provided in this policy.

	
  

 	
  

 	
  

 
	
 Countersignature Date     
 JANUARY 1, 1969

 	
 Agency at SPOKANE,
 WASHINGTON 

 	
  

 
	
  

 	
  

 	
  

 
	
  

 	

 	
 Agent

 
	
  

 	
 McGOVERN - CARROLL -
 CAVERLY 

 	
  

 
	
  

 	
  

 	
  

 
	
 11 CBP 1 (N.Y. Std. Form)

 	
  

 	
  

 
	
  

 	
  

 	
  

 
	
 Page
 1

 	
  

 

[ILLEGIBLE] fraud.

[ILLEGIBLE] before or [ILLEGIBLE] insured has wilfully conceale
[ILLEGIBLE] any material fact or circumstance concerning this
insurance or the subject thereof, or the interest of the insured therein, or in
case of any fraud or false swearing by the insured relating thereto. 

Uninsurable and excepted property.

This policy shall not cover accounts, bills,
currency, deeds, evidences of debt, money or securities; nor, unless
specifically named hereon in writing, bullion or manuscripts. 

Perils not included. 

This Company
shall not be liable for loss by fire or other perils insured against in this
policy caused, directly or indirectly, by: (a) enemy attack by armed forces,
including action taken by military, naval or air forces in resisting an actual
or an immediately impending enemy attack; (b) invasion; (c) insurrection; (d) rebellion;
(e) revolution; (f) civil war; (g) usurped power; (h) order of any civil
authority except acts of destruction at the time of and for the purpose of
preventing the spread of fire, provided that such fire did not originate from
any of the perils excluded by this policy; (i) neglect of the insured to use
all reasonable means to save and preserve the property at and after a loss, or
when the property is endangered by fire in neighboring premises; (j) nor shall
this Company be liable for loss by theft.  

Other Insurance. 

Other insurance may be prohibited or the amount
of insurance may be limited by endorsement attached hereto. 

Conditions suspending or
restricting insurance. Unless otherwise provided in writing added hereto this
Company shall not be liable for loss occurring

(a) while the hazard is increased by any means
within the control or knowledge of the insured; or

(b) “while a described building, whether intended
for occupancy by owner or tenant, is vacant or unoccupied beyond a period of sixty
consecutive days; or

(c) as a result of explosion or riot, unless fire
ensue, and in that event for loss by fire only:

Other perils or subjects.

Any other peril to be insured against or subject
of insurance to be covered in this policy shall be by endorsement in writing
hereon or added hereto. 

Added provisions. 

The extent of the application of insurance under
this policy and of the contribution to be made by this Company in case of loss,
and any other provision or agreement not inconsistent with the provisions of
this policy, may be provided for in writing added hereto, but no provision may
be waived except such as by the terms of this policy is subject to change.

Waiver provisions.

No permission affecting this insurance shall exist,
or waiver of any provision be valid, unless granted herein or expressed in
writing added hereto. No provision, stipulation or forfeiture shall be held to
be waived by any requirement or proceeding on the part of this Company relating
to appraisal or to any examination provided for herein.

Cancellation of policy.

This policy shall be cancelled at any time at the
request of the insured, in which case this Company shall, upon demand and surrender
of this policy, refund the excess of paid premium above the customary short rates
for the expired time. This policy may be cancelled at any time by this Company
by giving to the insured a five days’ written notice of cancellation with or
without tender of the excess of paid premium above the pro rata premium for the
expired time, which excess, if not tendered, shall be refunded on demand.
Notice of cancellation shall state that said excess premium (if not tendered)
will be refunded on demand.

Mortgagee interests and
obligations.

If loss hereunder is made payable, in whole or in part,
to a designated mortgagee not named herein as the insured, such interest in
this policy may be cancelled by giving to such mortgagee a ten days’ written
notice of cancellation.

If the insured fails to render proof of loss such
mortgagee, upon notice, shall render proof of loss in the form herein specified
within sixty (60) days thereafter and shall be subject to the provisions
hereof relating to appraisal and time of payment and of bringing suit. If this
Company shall claim that no liability existed as to the mortgagor or owner, it
shall, to the extent of payment of loss to the mortgagee, be subrogated to all
the mortgagee’s rights of recovery, but without impairing mortgagee’s right to
sue; or it may pay off the mortgage debt and require an assignment thereof and
of the mortgage. Other provisions [ILLEGIBLE].

Pro rata [ILLEGIBLE].

[ILLEGIBLE] Company shall not be liable for a greater proportion of any loss than the
amount hereby insured shall bear to the whole insurance covering the property
against the peril involved, whether collectible or not.

Requirements in case loss
occurs.

The insured shall give immediate written notice to
this Company of any loss, protect the property from further damage, forthwith
separate the damaged and undamaged personal property, put it in the best
possible order, furnish a complete inventory of the destroyed, damaged and
undamaged property, showing in detail quantities, costs, actual cash value and
amount of loss claimed; and within sixty days
after the loss, unless such time is extended in writing by this Company, the insured shall render to this
Company a proof of loss, signed and sworn to by the insured, stating
the knowledge and belief of the insured as to the following: the time and
origin of the loss, the interest of the insured and of all others in the
property, the actual cash value of each item thereof and the amount of loss
thereto, all encumbrances thereon, all other contracts of insurance, whether
valid or not, covering any of said property, any changes in the title, use, occupation,
location, possession or exposures of said property since the issuing of this
policy, by whom and for what purpose any building, herein described and the
several parts thereof were occupied at the time of loss and whether or not it
then stood on leased ground, and shall furnish a copy of all the descriptions
and schedules in all policies and, if required, verified plans and
specifications of any building, fixtures or machinery destroyed or damaged. The
insured, as often as may be reasonably required, shall exhibit to any person
designated by this Company all that remains of any property herein described,
and submit to examinations under oath by any person named by this Company, and
subscribe the same; and, as often as may be reasonably required, shall produce
for examination all books of account, bills, invoices and other vouchers, or
certified copies thereof if originals be lost, at such reasonable time and
place as may be designated by this Company or its representative, and shall
permit extracts and copies thereof to be made. 

Appraisal.

In case the insured and this Company shall fail to
agree as to the actual cash value or the amount of loss, then, on the written
demand of either, each shall select a competent and disinterested appraiser and
notify the other of the appraiser selected within twenty days of such demand.
The appraisers shall first select a competent and disinterested umpire; and
failing for fifteen days to agree upon such umpire, then, on request of the
insured or this Company, such umpire shall be selected by a judge of a court of
record in the state in which the property covered is located. The appraisers
shall then appraise the loss, stating separately actual cash value and loss to
each item; and, failing to agree, shall submit their differences, only to the
umpire. An award in writing, so itemized, of any two when filed with this
Company shall determine the amount of actual cash value and loss. Each
appraiser shall be paid by the party selecting him and the expenses of
appraisal and umpire shall be paid by the parties equally.

Company’s options.

It shall be optional with this Company to take all,
or any part, of the property at the agreed or appraised value, and also to repair,
rebuild or replace the property destroyed or damaged with other of like kind
and quality within a reasonable time, on giving notice of its intention so to
do within thirty days after the receipt of the proof of loss herein required.

Abandonment.

There can be no abandonment to this Company of any property.

When loss payable.

The amount of loss for which this Company may
be liable shall be payable sixty days after proof of loss, as herein provided,
is received by this Company and ascertainment of the loss is made either by
agreement between the insured and this Company expressed in writing or by the
filing with this Company of an award as herein provided.

Suit.

No suit or action on this policy for the recovery
of any claim shall be sustainable in any court of law or equity unless all the
requirements of this policy shall have been complied with, and unless commenced
within twelve months next after inception of the loss. 

Subrogation.

This Company may require from the insured an
assignment of all right of recovery against any party for loss to the extent
that payment therefor is made by this Company.

          IN WITNESS WHEREOF, this Company has executed and
attested these presents; but this policy shall not be valid unless
countersigned by [ILLEGIBLE] duly authorized Agent of this Company at the
agency hereinbefore mentioned.

	
  

 	
  

 	
  

 
	

 	
  

 	

 
	
               Secretary  

 	
  

 	
 President                

 
	
 Page
 2

 

Endorsement No.
CBP 6009E 

Policy No. CBP      98131      

CONTRACTUAL
LIABILITY INSURANCE

 (Blanket Coverage)

          This
endorsement forms part of Part VI of the above numbered policy.

SCHEDULE

          The
insurance afforded for contractual liability is
only with respect to such of the following coverages as are indicated by
specific limits of liability. The limit of the company’s liability against each
such coverage shall be as stated herein, subject to all the terms of this
policy having reference thereto.

	
  

 	
  

 	
  

 
	
 Coverages

 	
  

 	
 Limits of Liability

 
	
                Contractual
 Bodily Injury Liability

 	
  

 	
 $100,000.00   each
 person 

 $300,000.00   each occurrence 

 
	
                Contractual
 Property Damage Liability

 	
  

 	
 $100,000.00   each
 occurrence

 $100,000.00   aggregate 

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Designation of Contracts

 	
  

 	
 Premium Bases

 	
  

 	
 Code

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Cost

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 ANY WRITTEN CONTRACT AS 

 DEFINED IN THIS ENDORSEMENT

 	
  

 	
 BASES TO BE DETERMINED

 	
  

 	
  

 

          The
following exclusions do not apply with respect to any “construction agreement”:

          The
company, in consideration of the payment of the premium and subject to all of
the provisions of Part VI of the policy not expressly modified herein, agrees
with the named insured as follows:

	
  

 	
  

 
	
 I. COVERAGES—CONTRACTUAL BODILY INJURY LIABILITY

 
	
  

 	
 CONTRACTUAL
 PROPERTY DAMAGE LIABILITY

 

          The
company will pay on behalf of the insured all
sums which the insured, by reason of contractual
liability assumed by him under any written contract of the type
designated in the schedule for this insurance, shall become legally obligated
to pay as damages because of

bodily injury or  

property damage

to
which this insurance applies, caused by an occurrence, and the company shall have the right and duty to defend any suit against the
insured seeking damages on account of such
bodily injury or property damage, even if any of the allegations of the suit are groundless, false or fraudulent,
and may make such investigation and settlement of any claim or suit as it deems expedient, but the company
shall not be obligated to pay any claim or judgment or to defend 

	
  

 	
  

 
	
 (1)

 	
 any
 arbitration proceeding wherein the company is not entitled to exercise the insured’s rights in the choice of
 arbitrators and in the conduct of such proceedings, or

 
	
  

 	
  

 
	
 (2)

 	
 any
 suit after the applicable limit
 of the company’s liability has been exhausted by payment of judgments or
 settlements.

 
	
  

 	
  

 
	
 Exclusions

 
	
  

 	
 This
 insurance does not apply:

 
	
  

 	
  

 
	
 (a)

 	
 to liability assumed by
 the insured under any incidental contract;

 

Pac. Liab. 3328A

CLI-1

	
  

 	
  

 	
  

 	
  

 
	
 (b)

 	
 (1)

 	
 if the insured is an architect, engineer or
 surveyor, to bodily injury or property
 damage arising out of professional services performed by such insured, including

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (i)

 	
 the preparation or
 approval of maps, drawings, opinions, reports, surveys, change orders,
 designs or specifications, and

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 supervisory, inspection
 or engineering services;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 if the indemnitee of
 the insured is an architect,
 engineer or surveyor, to the liability of the indemnitee, his agents or
 employees, arising out of

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (i)

 	
 the preparation or
 approval of maps, drawings, opinions, reports, surveys, change orders,
 designs or specifications, or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 the giving of or the
 failure to give directions or instructions by the indemnitee, his agents or
 employees, provided such giving or failure to give is the primary cause of
 the bodily injury or property damage;

 
	
  

 	
  

 	
  

 	
  

 
	
 (c)

 	
 to bodily injury or property damage due to
 war, whether or not declared, civil war, insurrection, rebellion or revolution
 or to any act or condition incident to any of the foregoing;

 
	
  

 	
  

 	
  

 	
  

 
	
 (d)

 	
 to bodily injury or property damage for
 which the indemnitee may be held liable, as a person or organization
 engaged in the business of manufacturing, distributing, selling or serving
 alcoholic beverages or as an owner or lessor of premises used for such
 purposes, by reason of the selling, serving or giving of any alcoholic
 beverage (1) in violation of any statute, ordinance or regulation, (2) to a
 minor, (3) to a person under the influence of alcohol, or (4) which causes or
 contributes to the intoxication of any person;

 
	
  

 	
  

 	
  

 	
  

 
	
 (e)

 	
 to any obligation for
 which the insured or any carrier
 as his insurer may be held liable under any workmen’s compensation,
 unemployment compensation or disability benefits law, or under any similar
 law;

 
	
  

 	
  

 	
  

 	
  

 
	
 (f)

 	
 to property damage to

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 property owned or
occupied by or rented to the insured, 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 property used by the insured, or  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 property in the care,
 custody or control of the insured or
 as to which the insured is for
 any purpose exercising physical control;

 
	
  

 	
  

 	
  

 	
  

 
	
 (g)

 	
 to any obligation for
 which the insured may be held
 liable in an action on a contract by a third party beneficiary for bodily injury or property damage arising
 out of a project for a public authority; but this exclusion does not apply to
 an action by the public authority or any other person or organization engaged
 in the project;

 
	
  

 	
  

 	
  

 	
  

 
	
 (h)

 	
 to property damage to premises alienated by the named insured arising out of such
 premises or any part thereof;

 
	
  

 	
  

 	
  

 	
  

 
	
 (i)

 	
 to bodily injury or property damage resulting
 from the failure of the named insured’s
 products or work completed by or for the named insured to perform the function or
 serve the purpose intended by the named
 insured, if such failure is due to a mistake or deficiency in any
 design, formula, plan, specifications, advertising material or printed
 instructions prepared or developed by any insured; but this exclusion does
 not apply to bodily injury, or property damage resulting from the active
 malfunctioning of such products or work;

 
	
  

 	
  

 	
  

 	
  

 
	
 (j)

 	
 to property damage to the named insured’s products arising out of
 such products or any part of such products;

 
	
  

 	
  

 	
  

 	
  

 
	
 (k)

 	
 to property damage to work performed by or
 on behalf of the named insured arising
 out of the work or any portion thereof, or out of materials, parts or
 equipment furnished in connection therewith;

 
	
  

 	
  

 	
  

 	
  

 
	
 (l)

 	
 to damages claimed for the withdrawal,
 inspection, repair, replacement, or loss of use of the named insured’s products or work
 completed by or for the named insured or
 of any property which such products of work form a part, if such products,
 work or property are withdrawn from the market or from use because of any
 known or suspected defect or deficiency therein;

 
	
  

 	
  

 	
  

 	
  

 
	
           Unless
 stated in the schedule above as not applicable, the following exclusions also
 apply to contractual liability assumed
 by the insured under any
 agreement relating to construction operations.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 This insurance does not
 apply:

 
	
  

 	
  

 	
  

 	
  

 
	
 (m)

 	
 to bodily injury or property damage arising
 out of construction, maintenance or repair of watercraft or loading or
 unloading thereof;

 
	
  

 	
  

 	
  

 	
  

 
	
 (n)

 	
 to bodily injury or property damage arising
 out of operations, within fifty feet of any railroad property, affecting any
 railroad bridge or trestle, tracks, road beds, tunnel, underpass or crossing.

 

CLI-2

Endorsement
No. CBP 678E

Policy
No. CBP     98131     

PERSONAL
INJURY LIABILITY INSURANCE

          This
endorsement forms part of Part VI of the above-numbered policy.

SCHEDULE

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Coverage

 	
  

 	
 Limits of
 Liability

 
	
 P. 

 	
 Personal Injury Liability

 	
  

 	
  

 
	
  

 	
 The insurance afforded is only with respect to personal
 injury arising out of an offense included within such of the
 following groups of offenses as are indicated by the word “Included.”

 	
  

 	
 $ 100,000. each person aggregate

 
	
  

 	
  

 	
 $ 300,000. general aggregate

 
	
  

 	
  

 	
 Insured’s Participation 0%

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Groups of
 Offenses

 	
  

 	
 Indicate if
 Included

 
	
  

 	
 A. 

 	
 False Arrest, Detention or Imprisonment, or Malicious
 Prosecution

 	
  

 	
 INCLUDED

 
	
  

 	
 B. 

 	
 Libel, Slander, Defamation or Violation of Right of
 Privacy

 	
  

 	
 INCLUDED

 
	
  

 	
 C. 

 	
 Wrongful Entry or Eviction or Other Invasion of Right of
 Private Occupancy

 	
  

 	
 INCLUDED

 

I.
COVERAGE P—PERSONAL INJURY LIABILITY

          The
company will pay on behalf of the insured all sums which the insured shall
become legally obligated to pay as damages because of injury (herein
called “personal injury”) sustained by any person or organization and
arising out of one or more of the following offenses committed in the conduct
of the named insured’s business:

	
  

 	
  

 	
  

 
	
  

 	
 Group A—

 	
 false arrest, detention or imprisonment,
 or malicious prosecution;

 
	
  

 	
  

 	
  

 
	
  

 	
 Group B—

 	
 the publication or utterance of
 a libel or slander or of other defamatory or disparaging material, or a
 publication or utterance in violation of an individual’s right of privacy;
 except publications or utterances in the course of or related to advertising,
 broadcasting or telecasting activities conducted by or on behalf of the named
 insured;

 
	
  

 	
  

 	
  

 
	
  

 	
 Group C—

 	
 wrongful entry or eviction, or
 other invasion of the right of private occupancy;

 

if such offense
is committed during the policy period within the United States of America, its
territories or possessions, or Canada, and the company shall have the right and
duty to defend any suit against the insured seeking damages on
account of such personal injury even if any of the allegations of the
suit are groundless, false or fraudulent, and may make such investigation and
settlement of any claim or suit as it deems expedient, but the company shall
not be obligated to pay any claim or judgment or to defend any suit after the
applicable limit of the company’s liability has been exhausted by payment of
judgments or settlements.

Exclusions

          This
insurance does not apply:

	
  

 	
  

 
	
 (a)

 	
 to liability assumed by the insured
 under any contract or agreement;

 
	
  

 	
  

 
	
 (b)

 	
 to personal injury arising
 out of the wilful violation of a penal statute or ordinance committed by or
 with the knowledge or consent of any insured;

 

 Liab. 6688A

	
  

 	
  

 
	
 (c)

 	
 to personal injury sustained
 by any person as a result of an offense directly or indirectly related to the
 employment of such person by the named insured;

 
	
  

 	
  

 
	
 (d)

 	
 to personal injury arising
 out of any publication or utterance described in Group B, if the first
 injurious publication or utterance of the same or similar material by or on
 behalf of the named insured was made prior to the effective date of
 this insurance.

 
	
  

 	
  

 
	
 (e)

 	
 to personal injury arising
 out of a publication or utterance described in Group B concerning any
 organization or business enterprise, or its products or services, made by or
 at the direction of any insured with knowledge of the falsity thereof.

 

II.
PERSONS INSURED

          Each
of the following is an insured under this insurance to the extent set
forth below:

	
  

 	
  

 
	
 (a)

 	
 if the named insured is
 designated in the declarations as an individual, the person so designated;

 
	
  

 	
  

 
	
 (b)

 	
 if the named insured is
 designated in the declarations as a partnership or joint venture, the partnership or joint venture so designated and any partner or member thereof but
 only with respect to his liability as such;

 
	
  

 	
  

 
	
 (c)

 	
 if the named insured is
 designated in the declarations as other than an individual, partnership or
 joint venture, the organization so designated and any executive officer,
 director or stockholder thereof while acting within the scope of his duties
 as such.

 

          This
insurance does not apply to personal injury arising out of the conduct
of any partnership or joint venture of which the insured is a partner or
member and which is not designated in this policy as a named insured.

III. LIMITS OF LIABILITY—INSURED’S PARTICIPATION

          Regardless
of the number of (1) insureds under this policy, (2) persons or
organizations who sustain personal injury, or (3) claims made or suits
brought on account of personal injury, the total liability of the company for
all damages because of all personal injury to which this coverage
applies, sustained by any one person or organization, shall not exceed the
limit of personal injury liability stated in the schedule as “each
person aggregate”. 

          Subject
to the above provision respecting “each person aggregate”, the total limit of
the company’s liability under this coverage for all damages shall not
exceed the limit of personal injury liability stated in the schedule as
“general aggregate”.

          If
a participation percentage is stated in the schedule for the insured,
the company shall not be liable for a greater proportion of any loss than the
difference between such percentage and one hundred percent and the balance of
the loss shall be borne by the insured; provided, the company may pay
the insured’s portion of a loss to effect settlement of the loss, and,
upon notification of the action taken, the named insured shall promptly
reimburse the company therefor.

          The
limits of the company’s liability shall apply separately to each consecutive
annual period comprising the policy period.

IV.
AMENDED DEFINITION

          When
used in reference to this insurance:

“damages”
means only those damages which are payable because of personal injury
arising out of an offense to which this insurance applies.

V.
ADDITIONAL CONDITION

          The
following provisions of Part VI apply to the insurance afforded under this
endorsement; Supplementary Payments; Definitions, other than the definition of
damages; Conditons; Nuclear Energy Liability Exclusion.

II.
PERSONS INSURED

          Each
of the following is an insured under this insurance to the extent set
forth below:

	
  

 	
  

 
	
 (a)

 	
 if the named insured is
 designated in the declarations of Part VI as an individual, the person so designated;

 
	
  

 	
  

 
	
 (b)

 	
 if the named insured is
 designated in the declarations of Part VI as a partnership or joint venture,
 the partnership or joint venture so designated and any partner or member
 thereof but only with respect to his liability as such;

 
	
  

 	
  

 
	
 (c)

 	
 if the named insured is
 designated in the declarations of Part VI as other than an individual,
 partnership or joint venture, the organization so designated and any
 executive officer, director or stockholder thereof while acting within the
 scope of his duties as such.

 

III.
LIMITS OF LIABILITY

          Regardless
of the number of (1) insureds under this policy, (2) persons or
organizations who sustain bodily injury or property damage, or
(3) claims made or suit brought on account of bodily injury or property
damage, the company’s liability is limited as follows:

Contractual
Bodily Injury Liability: The limit of bodily injury liability stated
in the schedule as applicable to “each person” is the limit of the company’s
liability for all damages because of bodily injury sustained by
one person as the result of any one occurrence; but subject to the above
provision respecting “each person”, the total liability of the company for all damages
because of bodily injury sustained by two or more persons as the
result of any one occurrence shall not exceed the limit of bodily
injury liability stated in the schedule as applicable to “each occurrence”.

Contractual
Property Damage Liability: The total liability of the company for all
damages because of all property damage sustained by one or more persons
or organizations as the result of any one occurrence shall not exceed
the limit of property damage liability stated in the schedule as
applicable to “each occurrence”.

          Subject
to the above provision respecting “each occurrence”, the total liability
of the company for all damages because of all property damage to
which this coverage applies shall not exceed the limit of property damage liability
stated in the schedule as “aggregate”. Such aggregate limit of liability
applies separately with respect to each project away from premises owned by or
rented to the named insured.

Contractual
Bodily Injury and Property Damage Liability: For the purpose of determining
the limit of the company’s liability, all bodily injury and property
damage arising out of continuous or repeated exposure to substantially the
same general conditions shall be considered as arising out of one occurrence.

          The
limits of the company’s liability shall apply separately to each consecutive
annual period comprising the policy period.

IV.
ENDORSEMENT PERIOD; TERRITORY

          This
insurance applies only to bodily injury or property damage which
occurs during the endorsement period within the policy territory.

V.
ADDITIONAL DEFINITIONS

          When
used in reference to this insurance (including endorsements forming a part of
Part VI of the policy):

          “Contractual
liability” means liability expressly assumed under a written contract or
agreement; provided, however, that contractual liability shall not be
construed as including liability under a warranty of the fitness or quality of
the named insured’s products or a warranty that work performed by or on
behalf of the named insured will be done in a workmanlike manner;

          “Suit”
includes an arbitration proceeding to which the insured is required
to submit or to which the insured has submitted with the company’s
consent.

CLI-3 

VI.
ADDITIONAL CONDITIONS

	
  

 	
  

 
	
 1.

 	
 Arbitration: The company
 shall be entitled to exercise all of the insured’s rights in the
 choice of arbitrators and in the conduct of any arbitration proceeding.

 
	
  

 	
  

 
	
 2.

 	
 Premium: When used as a
 premium basis, the word “cost” means the total cost of all work in
 connection with all contracts of the type designated in the schedule for this
 insurance with respect to which “cost” is the basis of premium,
 regardless of whether any liability is assumed under such contracts by the insured.
 It includes the cost of all labor, materials and equipment furnished, used or
 delivered for use in the execution of such work, whether furnished by the insured,
 or others including all fees, allowances, bonuses or commissions made, paid
 or due. It shall not include the cost of any operations to which exclusions
 (m) or (n) apply, unless such exclusions are voided in the schedule.

 
	
  

 	
  

 
	
  

 	
           The
provisional premium for this policy includes an estimated premium on account of
such written contracts as are on file with or known to the company. The
named insured shall notify the company of all other written contracts
entered into during the policy period to which this insurance applies.

 
	
  

 	
  

 
	
 3.

 	
 The following provisions of
 Part VI apply to the insurance afforded by this endorsement: Supplementary
 Payments; Definitions; Conditions; Nuclear Energy Exclusion Endorsement.

 

 CLI-4 

	
  

 	
  

 
	
  

 	
 SPECIAL
 ENDORSEMENT A 

 
	
  

 	
 POLICY NO.
 CBP 98131

 

ADDITIONAL INSURED - PART VI

IT IS AGREED THAT SUCH INSURANCE AS IS AFFORDED BY PART VI OF THE
POLICY APPLIES TO THE ORGANIZATIONS NAMED BELOW:

	
  

 	
  

 
	
 1.

 	
 THE BUNKER HILL COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP AND
 OPERATION OF THE STAR MINE

 
	
  

 	
  

 
	
 2.

 	
 AMERICAN SMELTING AND REFINING COMPANY, BUT ONLY AS RESPECTS THE
 OWNERSHIP AND OPERATION OF THE MORNING MINE

 
	
  

 	
  

 
	
 3.

 	
 NEW PARK MINING COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP and
 operation of the mayflower mine

 
	
  

 	
  

 
	
 4.

 	
 RUBY HILL MINING COMPANY

 
	
  

 	
  

 
	
 5.

 	
 NEWMONT MINING COMPANY

 
	
  

 	
  

 
	
 6.

 	
 SILVER EUREKA CORPORATION

 
	
  

 	
  

 
	
 7.

 	
 CYPRESS EXPLORATION CORPORATION

 
	
  

 	
  

 
	
 8.

 	
 RICHMOND-EUREKA MINING COMPANY

 

THE INTEREST OF ADDITIONAL INSURED 4, 5, 6, 7 AND 8 APPLY ONLY AS
RESPECT THE OWNERSHIP AND OPERATION OF THE RUBY HILL MINE AND/OR THE RUBY HILL
PROJECT.

[ILLEGIBLE]

	
  

 	
  

 
	
  

 	
 SPECIAL
 ENDORSEMENT B

 
	
  

 	
 POLICY NO.
 CBP 98131

 

ADDITIONAL INSURING AGREEMENT - PART VI

IT IS HEREBY AGREED THAT “INSURING AGREEMENT I” OF THE PERSONAL INJURY
LIABILITY COVERAGE ENDORSEMENT IS AMENDED BY THE INCLUSION THEREIN OF THE
FOLLOWING:

	
  

 	
  

 
	
 HAZARD D

 	
 DISCRIMINATION (OTHER THAN UNFAIR TRADE PRACTICES), WHERE INSURANCE
 IN CONNECTION THEREWITH IS NOT PROHIBITED OR HELD VIOLATIVE OF LAW OR PUBLIC
 POLICY BY LEGISLATION, COURT DECISION OR ADMINISTRATIVE RULING.

 

[ILLEGIBLE]

	
  

 	
  

 
	
  

 	
 Endorsement
 No. CBP 644E 

 
	
  

 	
 Policy No.
 CBP 98131

 

EMPLOYERS’ NON-OWNERSHIP LIABILITY - AIRCRAFT

It is agreed that notwithstanding anything to the contrary set forth in
exclusion (b) of Part VI of this policy the insurance afforded under Part VI of
the policy applies to the liability of the insured for bodily injury, sickness,
disease or death or injury to or destruction of property arising out of the
operation of any aircraft by any employee of the insured, subject to the
following provisions:

	
  

 	
  

 
	
 1.

 	
 The insurance does not apply to the operation of any aircraft owned
 in whole or in part by, or registered in the name of, the insured.

 
	
  

 	
  

 
	
 2.

 	
 The insurance shall be excess over any other valid and collectible
 insurance available to the insured, either as an insured under a policy
 applicable with respect to the aircraft or otherwise, against a loss for
 which insurance is afforded by this endorsement.

 

[ILLEGIBLE]

	
  

 	
  

 
	
  

 	
 Endorsement
 No. CBP 634E

 

BROAD FORM PROPERTY DAMAGE COVERAGE — PART VI

This endorsement forms part of Part VI and modifies such insurance as
is afforded by the provisions of Part VI of the policy relating to the
following:

COMPREHENSIVE GENERAL LIABILITY INSURANCE

It is agreed that exclusion (i) of Part VI of the policy is replaced by
the following: 

	
  

 	
  

 	
  

 
	
  

 	
 (i)

 	
 to property damage

 

	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 to property owned or occupied by or rented to the insured, or held by the insured for sale or entrusted to the insured for storage or safekeeping,

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 except with respect to liability under a written sidetrack agreement
 or the use of elevators to

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (i)

 	
 property while on premises owned by or rented to the insured for the purpose of having
 operations performed on such property by or on behalf of the insured,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 tools or equipment while being used by the insured in performing his operations,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (iii)

 	
 property in the custody of the insured
 which is to be installed, erected or used in construction by the insured,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (iv)

 	
 that particular part of any property, not on premises owned by or
 rented to the insured,

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (a)

 	
 upon which operations are being performed by or on behalf of the insured at the time of the property damage arising out of such
 operations, or

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (b)

 	
 out of which any property damage arises,
 or

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (c)

 	
 the restoration, repair or replacement of which has been made or is
 necessary by reason of faulty workmanship thereon by or, on behalf of the insured,

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 but parts (a), (b) and (c) of this exclusion do not apply (1) to the
named insured’s products where the insured has relinquished physical
 possession of such products to others, or (2) where the property damage arises out of the completed operations hazard,

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (v)

 	
 property
 which is being transported by the insured
 by automobile, mobile equipment or team, including the loading or
 unloading thereof.

 

 Liab 6924

	
  

 	
  

 
	
  

 	
 Endorsement
 No. CBP 600E

 
	
  

 	
 Policy No.
 CBP  98131

 

PART VI — COMPREHENSIVE GENERAL LIABILITY
INSURANCE

DECLARATIONS

The insurance
afforded is only with respect to such of the following coverages as are
indicated by a limit of liability. The limit of the company’s liability against
each such coverage shall be as stated herein, subject to all the terms of this
policy having reference thereto.

	
  
 	 	
  
 	 	
  
 	 	
  
 	 	
  
 
	
 COVERAGES AND LIMITS OF LIABILITY
 
	
  
 	 	
  
 	 	
  
 	 	
  
 	 	
  
 
	
 Coverage A

 Bodily Injury Liability
 	
  
 	Coverage B

   Property Damage Liability

	
  
 	 	
  
 	 	
  
 	 	
  
 	 	
  
 
	
 each person
 	 	
 each occurrence
 	 	
 aggregate
 	 	
 each occurrence
 	 	
 aggregate
 
	
 $100,000.00
 	 	
 $300,000.00
 	 	
 $300,000.00
 	 	
 $100,000.00
 	 	
 $100,000.00
 

Audit Period:
Annual, unless otherwise stated.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 The named insured is:

 	
 individual
  o;

 	
 partnership
  o;

 	
 corporation
  x;

 	
 joint
 venture  o;

 	
 other
 (specify)—

 
	
  

 

Location of all premises owned by, rented to or controlled by the named insured. (Enter “same”
if same location as address shown on page 1 of the policy.)___________________________________________________________

	
  

 
	
 Interest of named insured in such premises. (Describe
 interest, such as “owner”, “general lessee” or “tenant”.)

 
	
  

 
	
  

 
	
 Part
 occupied by named insured__________________________________________________________________________

 
	
  

 
	
  

 

	
  

 
	
 Forms and
 Endorsements made a part of Part VI at time of issue: CBP 6005D 

 
	
  

 
	
 CBP 634E,
 CBP 644, CBP 678E, SPECIAL ENDORSEMENT A AND B

 
	
  

 

When used as a premium basis:

	
  

 	
  

 
	
 (1)

 	
 “admissions”
 means the total number of persons, other than employees of the named insured, admitted to the event
 insured or to events conducted on the premises whether on paid admission
 tickets, complimentary tickets or passes;

 
	
  

 	
  

 
	
 (2)

 	
 “cost” means
 the total cost to the named insured
 with respect to operations performed for the named insured during the policy period by independent
 contractors of all work let or sub-let in connection with each specific
 project, including the cost of all labor, materials and equipment furnished,
 used or delivered for use in the execution of such work, whether furnished by
 the owner, contractor or subcontractor, including all fees, allowances,
 bonuses or commissions made, paid or due;

 
	
  

 	
  

 
	
 (3)

 	
 “receipts”
 means the gross amount of money charged by the named insured for such operations by the named insured or by others during the
 policy period as are rated on a receipts basis other than receipts from
 telecasting, broadcasting or motion pictures, and includes taxes, other than
 taxes which the named insured
 collects as a separate item and remits directly to a governmental division;

 
	
  

 	
  

 
	
 (4)

 	
 “remuneration”
 means the entire remuneration earned during the policy period by proprietors
 and by all employees of the named insured,
 other than chauffeurs (except operators of mobile equipment) and aircraft
 pilots and co-pilots, subject to any overtime earnings or limitation of
 remuneration rule applicable in accordance with the manuals in use by the
 company;

 
	
  

 	
  

 
	
 (5)

 	
 “sales”
 means the gross amount of money charged by the named insured or by others trading under his name for all
 goods and products sold or distributed during the policy period and charged
 during the policy period for installation, servicing or repair, and includes
 taxes, other than taxes which the named
 insured and such others collect as a separate item and remit
 directly to a governmental division.

 

CBP 600 E—Dec. (Pac)—Incomplete without pages GL-2 through GL-10

GL-1

COMPREHENSIVE
GENERAL LIABILITY INSURANCE

          The
Company, in consideration of the payment of the premium, in reliance upon the
statements in the declarations of this endorsement made a part hereof and
subject to all of the terms of this endorsement, agrees with the named insured as follows:

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 I.

 	
 COVERAGE A—BODILY INJURY LIABILITY 

 	
  

 
	
  

 	
  

 	
 COVERAGE B—PROPERTY DAMAGE
 LIABILITY

 	
  

 

          The
company will pay on behalf of the insured all sums which the insured shall become legally obligated to
pay as damages because of  

	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 bodily injury or

 
	
  

 	
 B.

 	
 property damage

 

to
which this insurance applies, caused by an occurrence, and the company shall
have the right and duty to defend any suit against the insured seeking damages on account of such bodily injury
or property damage, even if any of
the allegations of the suit are groundless, false or fraudulent, and may make
such investigation and settlement of any claim or suit as it deems expedient,
but the company shall not be obligated to pay any claim or judgment or to
defend any suit after the applicable limit of the company’s liability has been
exhausted by payment of judgments or settlements.  

Exclusions

          This
insurance does not apply:

	
  

 	
  

 	
  

 
	
 (a)

 	
 to
liability assumed by the insured under any contract or agreement except an incidental contract; but this exclusion
does not apply to a warranty of fitness or quality of the named insured’s products or a warranty that work
performed by or on behalf of the named
insured will be done in a workmanlike manner; 

 
	
  

 	
  

 
	
 (b)

 	
 to bodily injury or property damage
 arising out of the ownership, maintenance, operation, use, loading or
 unloading of

 
	
  

 	
 (1)

 	
 any
 automobile or aircraft owned or
 operated by or rented or loaned to the named
 insured, or

 
	
  

 	
 (2)

 	
 any
 other automobile or aircraft
 operated by any person in the course of his employment by the named insured;

 
	
  

 	
  

 	
  

 
	
  

 	
 but
this exclusion does not apply to the parking of an automobile on premises owned by, rented to or controlled by
the named insured or the ways immediately adjoining, if such automobile is not owned by or rented or
loaned to the named insured; 

 
	
  

 	
  

 
	
 (c)

 	
 to bodily injury or property damage
 arising out of and in the course of the transportation of mobile equipment by an automobile owned or operated by or rented
 or loaned to the named insured;

 
	
  

 	
  

 
	
 (d)

 	
 to bodily injury or property damage
 arising out of the ownership, maintenance, operation, use, loading or
 unloading of any watercraft, if the bodily
 injury or property damage occurs away from premises owned by,
 rented to or controlled by the named
 insured; but this exclusion does not apply to bodily injury or property damage included
 within the products hazard or
 the completed operations hazard
 or resulting from operations performed for the named insured by independent contractors or to liability
 assumed by the insured under an incidental contract;

 
	
  

 	
  

 
	
 (e)

 	
 to bodily injury or property damage due to war, whether or not declared, civil
 war, insurrection, rebellion or revolution or to any act or condition
 incident to any of the foregoing, with respect to

 
	
  

 	
  

 
	
  

 	
 (1)

 	
 liability
 assumed by the insured under an incidental contract, or

 
	
  

 	
 (2)

 	
 expenses
 for first aid under the Supplementary Payments provision;

 
	
  

 	
  

 	
  

 
	
 (f)

 	
 to bodily injury or property damage for which the insured or his indemnitee may be held liable, as a person or
 organization engaged in the business of manufacturing, distributing, selling
 or serving alcoholic beverages or as an owner or lessor of premises used for
 such purposes, by reason of the selling, serving or giving of any alcoholic
 beverage

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 in
 violation of any statute, ordinance or regulation,

 
	
  

 	
 (2)

 	
 to
 a minor,

 
	
  

 	
 (3)

 	
 to
 a person under the influence of alcohol, or

 
	
  

 	
 (4)

 	
 which
 causes or contributes to the intoxication of any person;

 

GL-2

	
  

 	
  

 	
  

 
	
 (g)

 	
 to
 any obligation for which the insured
 or any carrier as his insurer may be held liable under any workmen’s
 compensation, unemployment compensation or disability benefits law, or under
 any similar law;

 
	
  

 	
  

 
	
 (h)

 	
 to bodily injury to any employee of the insured
arising out of and in the course of his employment by the insured; but this
exclusion does not apply to liability assumed by the insured under an incidental contract; 

 
	
  

 	
  

 
	
 (i)

 	
 to property damage to 

 
	
  

 	
  

 
	
  

 	
 (1)

 	
 property
 owned or occupied by or rented to the insured,

 
	
  

 	
 (2)

 	
 property
 used by the insured, or

 
	
  

 	
 (3)

 	
 property
in the care, custody or control of the insured or as to which the insured is for any purpose exercising
physical control; 

 
	
  

 	
  

 
	
  

 	
 but
parts (2) and (3) of this exclusion do not apply with respect to liability
under a written sidetrack agreement and part (3) of this exclusion does not
apply with respect to property damage
(other than to elevators) arising out of the use of an elevator at premises owned by, rented to
or controlled by the named insured;  

 
	
  

 	
  

 
	
 (j)

 	
 to property damage to premises alienated by the named
 insured arising out of such premises or any part thereof;

 
	
  

 	
  

 
	
 (k)

 	
 to bodily injury or property damage resulting from the failure of the named insured’s products or work
completed by or for the named insured to perform the function or serve the purpose intended by the named insured, if such failure is due to a mistake or deficiency in any design, formula,
plan, specifications, advertising material or printed instructions prepared
or developed by any insured; but
this exclusion does not apply to bodily
injury or property damage
resulting from the active malfunctioning of such products or work;  

 
	
  

 	
  

 
	
 (1)

 	
 to property damage to the named insured’s products
 arising out of such products or any part of such products;

 
	
  

 	
  

 
	
 (m)

 	
 to property damage to work performed by or on behalf of the named insured arising out of the work or any portion
 thereof, or out of materials, parts or equipment furnished in connection
 therewith;

 
	
  

 	
  

 
	
 (n)

 	
 to damages claimed for the withdrawal, inspection, repair, replacement, or loss
 of use of the named insured’s products or work completed by or for the named insured or of any property of which
 such products or work form a part, if such products, work or property are
 withdrawn from the market or from use because of any known or suspected
 defect or deficiency therein.

 
	
  

 	
  

 
	
 II. PERSONS INSURED

 
	
  

 
	
  

 	
 Each
of the following is an insured under this endorsement to the extent set forth
below: 

 
	
  

 	
  

 
	
 (a)

 	
 if the named insured is designated in the declarations as an
 individual, the person so designated but only with respect to the conduct of
 a business of which he is the sole proprietor;

 
	
  

 	
  

 
	
 (b)

 	
 if the named insured is designated in the declarations as a
 partnership or joint venture, the partnership or joint venture so designated
 and any partner or member thereof but only with respect to his liability as
 such;

 
	
  

 	
  

 
	
 (c)

 	
 if the named insured is designated in the declaration as other
 than an individual, partnership or joint venture, the organization so
 designated and any executive officer, director or stockholder thereof while
 acting within the scope of his duties as such;

 
	
  

 	
  

 
	
 (d)

 	
 any
 person (other than an employee of the named
 insured) or organization while acting as real estate manager for
 the named insured; and

 
	
  

 	
  

 
	
 (e)

 	
 with
 respect to the operation, for the purpose of locomotion upon a public
 highway, of mobile equipment
 registered under any motor vehicle registration law,

 
	
  

 	
  

 
	
  

 	
 (i)

 	
 an
 employee of the named insured
 while operating any such equipment in the course of his employment, and

 
	
  

 	
 (ii)

 	
 any
 other person while operating with the permission of the named insured any such equipment
 registered in the name of the named insured
 and any person or organization legally responsible for such operation, but
 only if there is no other valid and collectible insurance available, either
 on a primary or excess basis, to such person or organization;

 

CBP 600E(Pac) Incomplete without CBP 600E-Dec.(Pac)

GL-3

	
  

 	
  

 	
  

 
	
  

 	
 provided
 that no person or organization shall be an insured
 under this paragraph (e) with
 respect to:

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 bodily injury to any fellow employee of such person injured in the course of his
 employment, or

 
	
  

 	
 (2)

 	
 property damage to property owned by, rented to, in charge of or occupied by the named insured or the employer of any
 person described in subparagraph (ii).

 
	
  

 	
  

 	
  

 
	
           This
insurance does not apply to bodily injury
or property damage arising out
of the conduct of any partnership or joint venture of which the insured is a
partner or member and which is not designated in this endorsement as a named insured. 

 
	
  

 
	
 III. LIMITS OF LIABILITY

 
	
  

 
	
           Regardless
of the number of (1) insureds under this endorsement, (2) persons or
organizations who sustain bodily injury
or property damage, or (3)
claims made or suits brought on account of bodily
injury or property damage,
the company’s liability under this endorsement is limited as follows: 

 
	
  

 
	
           Coverage A—The limit of bodily injury liability stated in the
 declarations as applicable to “each person” is the limit of the company’s
 liability for all damages
 because of bodily injury sustained
 by one person as the result of any one occurrence;
 but subject to the above provision respecting “each person”, the total
 liability of the company for all damages because of bodily injury sustained by two or more
 persons as the result of any one occurrence
 shall not exceed the limit of bodily injury
 liability stated in the declarations as applicable to “each occurrence”.

 
	
  

 
	
           Subject
to the above provisions respecting “each person” and “each occurrence”, the total liability of the
company for all damages because of (1) all bodily
injury included within the completed
operations hazard and
(2) all bodily injury included
within the products hazard shall
not exceed the limit of bodily injury
liability stated in the declarations as “aggregate”. 

 
	
  

 
	
           Coverage B—The total liability of the
 company for all damages because
 of all property damage sustained
 by one or more persons or organizations as the result of any one occurrence shall not exceed the limit of property damage liability stated in the
 declarations as applicable to “each occurrence”.

 
	
  

 
	
           Subject
 to the above provision respecting “each occurrence”
 the total liability of the company for all damages
 because of all property damage
 to which this coverage applies and described in any of the numbered
 subparagraphs below shall not exceed the limit of property damage liability stated in the declarations as
 “aggregate”:

 
	
  

 
	
  

 	
 (1)

 	
 all
 property damage arising out of
 premises or operations rated on a remuneration basis or contractor’s equipment
 rated on a receipts basis, including property
 damage for which liability is assumed under any incidental contract relating to such
 premises or operations, but excluding property
 damage included in subparagraph (2) below;

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 all
 property damage arising out of
 and occurring in the course of operations performed for the named insured by independent contractors
 and general supervision thereof by the named
 insured, including any such property
 damage for which liability is assumed under any incidental contract relating to such
 operations, but this subparagraph (2) does not include property damage arising out of
 maintenance or repairs at premises owned by or rented to the named insured or structural alterations
 at such premises which do not involve changing the size of or moving
 buildings or other structures;

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 all
 property damage included within
 the products hazard and all property damage included within the completed operations hazard.

 
	
  

 	
  

 	
  

 
	
           Such
 aggregate limit shall apply separately to the property damage described in subparagraphs (1), (2) and (3)
 above, and under subparagraphs (1) and (2), separately with respect to each
 project away from premises owned by or rented to the named insured.

 
	
  

 
	
           Coverages A and B—For the purpose of
 determining the limit of the company’s liability, all bodily injury and property damage arising out of continuous
 or repeated exposure to substantially the same general conditions shall be
 considered as arising out of one occurrence.

 
	
  

 
	
           The
 limits of the company’s liability shall apply separately to each consecutive
 annual period comprising the policy period.

 
	
  

 
	
 IV. POLICY PERIOD; TERRITORY

 
	
  

 
	
           This
 insurance applies only to bodily injury
 or property damage which occurs
 during the policy period as shown on page 1 of the policy of which this
 endorsement is a part, within the policy
 territory.

 

GL-4

V. SUPPLEMENTARY PAYMENTS

	
  

 	
  

 
	
  

 	
 The
 company will pay, in addition to the applicable limit of liability:

 
	
  

 	
  

 
	
 (a)

 	
 all
 expenses incurred by the company, all costs taxed against the insured in any suit defended by the
 company and all interest on the entire amount of any judgment therein which
 accrues after entry of the judgment and before the company has paid or
 tendered or deposited in court that part of the judgment which does not
 exceed the limit of the company’s liability thereon;

 
	
  

 	
  

 
	
 (b)

 	
 premiums
on appeal bonds required in any such suit, premiums on bonds to release
attachments in any such suit for an amount not in excess of the applicable
limit of liability of this endorsement, and the cost of bail bonds required
of the insured because of accident or traffic law violation arising out of
the use of any vehicle to which this endorsement applies, not to exceed $250
per bail bond, but the company shall have no obligation to apply for or
furnish any such bonds; 

 
	
  

 	
  

 
	
 (c)

 	
 expenses
 incurred by the insured for
 first aid to others at the time of an accident, for bodily injury to which this endorsement
 applies;

 
	
  

 	
  

 
	
 (d)

 	
 reasonable
expenses incurred by the insured at the company’s request, including actual
loss of wages or salary (but not loss of other income) not to exceed $25 per
day because of his attendance at hearings or trials at such request. 

 

VI. DEFINITIONS

          When
used in this endorsement (including endorsements forming a part hereof):

          “automobile” means a land motor vehicle,
trailer or semi-trailer designed for travel on public roads (including any
machinery or apparatus attached thereto), but does not include mobile equipment;

          “bodily injury” means bodily injury,
sickness or disease sustained by any person;

          “completed operations hazard” includes bodily injury and property damage arising out of operations
or reliance upon a representation or warranty made at any time with respect
thereto, but only if the bodily injury
or property damage occurs after
such operations have been completed or abandoned and occurs away from premises
owned by or rented to the named insured.
“Operations” include materials, parts or equipment furnished in connection
therewith. Operations shall be deemed completed at the earliest of the
following times:

	
  

 	
  

 
	
 (1)

 	
 when
 all operations to be performed by or on behalf of the named insured under the contract have
 been completed,

 
	
  

 	
  

 
	
 (2)

 	
 when
 all operations to be performed by or on behalf of the named insured at the site of the
 operations have been completed, or

 
	
  

 	
  

 
	
 (3)

 	
 when
 the portion of the work out of which the injury or damage arises has been put
 to its intended use by any person or organization other than another
 contractor or subcontractor engaged in performing operations for a principal
 as a part of the same project.

 

          Operations
which may require further service or maintenance work, or correction, repair or
replacement because of any defect or deficiency, but which are otherwise
complete, shall be deemed completed.

          The completed operations hazard does not
include bodily injury or property damage arising out of

	
  

 	
  

 
	
 (a)

 	
 operations
 in connection with the transportation of property, unless the bodily injury or property damage arises out of a condition
 in or on a vehicle created by the loading or unloading thereof,

 
	
  

 	
  

 
	
 (b)

 	
 the
 existence of tools, uninstalled equipment or abandoned or unused materials,
 or

 
	
  

 	
  

 
	
 (c)

 	
 operations
 for which the classification stated in the policy or in the company’s manual
 specifies “including completed operations”;

 

          “damages” includes damages for death and
for care and loss of services resulting from bodily
injury and damages for loss of use of property resulting from property damage;

           “elevator” means any hoisting or lowering
device to connect floors or landings, whether or not in service, and all
appliances thereof including any car, platform, shaft, hoistway, stairway,
runway, power equipment and machinery; but does not include an automobile servicing
hoist, or a hoist without a platform outside a building if without
mechanical power or if not attached to building walls, or a hod or material
hoist used in alteration, construction or demolition operations, or an inclined
conveyor used exclusively for carrying 

GL-5

property
or a dumbwaiter used exclusively for carrying property and having a compartment
height not exceeding four feet;

          “incidental contract” means any written (1)
lease of premises, (2) easement agreement, except in connection with
construction or demolition operations on or adjacent to a railroad, (3)
undertaking to indemnify a municipality required by municipal ordinance, except
in connection with work for the municipality, (4) sidetrack agreement, or (5) elevator maintenance agreement;

          “insured” means (1) with respect to
coverages A and B any person or organization qualifying as an insured in the
“Persons Insured” provision of this endorsement and (2) with respect to other
coverages any person or organization qualifying as an insured in the “Persons
Insured” provision of the endorsement affording such coverage. The insurance
afforded applies separately to each insured against whom claim is made or suit is
brought, except with respect to the limits of the company’s liability; 

          “mobile equipment” means a land vehicle
(including any machinery or apparatus attached thereto), whether or not
self-propelled, (1) not subject to motor vehicle registration, or (2)
maintained for use exclusively on premises owned by or rented to the named insured, including the ways
immediately adjoining, or (3) designed for use principally off public roads, or
(4) designed or maintained for the sole purpose of affording mobility to
equipment of the following types forming an integral part of or permanently
attached to such vehicle: power cranes, shovels, loaders, diggers and drills;
concrete mixers (other than the mix-in-transit type); graders, scrapers,
rollers and other road construction or repair equipment; air-compressors, pumps
and generators, including spraying, welding and building cleaning equipment;
and geophysical exploration and well servicing equipment;

          “named insured” means the person or
organization named on page 1 of this policy;

          “named insured’s products” means goods or
products manufactured, sold, handled or distributed by the named insured or by others trading under
his name, including any container thereof (other than a vehicle), but “named insured’s products” shall not
include a vending machine or any property other than such container, rented to
or located for use of others but not sold;

          “occurrence” means an accident, including
injurious exposure to conditions, which results, during the policy period, in bodily injury or property damage neither expected nor intended from the
standpoint of the insured; 

          “policy territory” means

	
  

 	
  

 
	
 (1)

 	
 the United States of
 America, its territories or possessions, or Canada, or

 
	
  

 	
  

 
	
 (2)

 	
 international
waters or air space, provided the bodily injury or property damage does not
occur in the course of travel or transportation to or from any other country,
state or nation, or  

 
	
  

 	
  

 
	
 (3)

 	
 anywhere in the world with
respect to damages because of bodily injury or property damage arising out of
a product which was sold for use or consumption within the territory
described in paragraph (1) above, provided the original suit for such damages
is brought within such territory;  

 

          “products hazard” includes bodily injury and property damage arising out of the named insured’s products or reliance upon a
representation or warranty made at any time with respect thereto, but only if
the bodily injury or property damage occurs away from premises
owned by or rented to the named insured
and after physical possession of such products has been relinquished to others;

          “property damage” means injury to or
destruction of tangible property.

VII. CONDITIONS

          1. Premium: An estimated premium for this endorsement
has been used as a factor in the computation of the Provisional premium for
this policy. The actual premium for the insurance afforded by this endorsement,
determined in accordance with the Company’s rules, rates, rating plans, premium
and minimum premiums applicable to this insurance, shall be included as a
factor in the computation of the earned premium for this policy.

          The
named insured shall maintain
records of such information as is necessary for premium computation, and shall
send copies of such records to the company at the end of the policy period and
at such times during the policy period as the company may direct.

          2. Financial Responsibility Laws: When this
endorsement is certified as proof of financial responsibility for the future
under the provisions of any motor vehicle financial responsibility law, such
insurance as is afforded by this endorsement for bodily injury liability or for property damage liability shall comply with the

GL-6

provisions
of such law to the extent of the coverage and limits of liability required by
such law. The insured agrees to
reimburse the company for any payment made by the company which it would not
have been obligated to make under the terms of this endorsement except for the
agreement contained in this paragraph.

          3. Insured’s Duties in the Event of Occurrence, Claim
or Suit:

	
  

 	
  

 
	
 (a)

 	
 In
the event of an occurrence, written notice containing particulars sufficient
to identify the insured and also reasonably obtainable information with
respect to the time, place and circumstances thereof, and the names and
addresses of the injured and of available witnesses, shall be given by or for
the insured to the company or any of its authorized agents as soon as
practicable. The named insured
shall promptly take at his expense all reasonable steps to prevent other bodily injury or property damage from arising out of the
same or similar conditions, but such expense shall not be recoverable under
this endorsement.  

 
	
  

 	
  

 
	
 (b)

 	
 If
 claim is made or suit is brought against the insured, the insured
 shall immediately forward to the company every demand, notice, summons or
 other process received by him or his representative.

 
	
  

 	
  

 
	
 (c)

 	
 The
insured shall cooperate with the
company and, upon the company’s request, assist in making settlements, in the
conduct of suits and in enforcing any right of contribution or indemnity
against any person or organization who may be liable to the insured because of bodily injury or property damage with respect to which
insurance is afforded under this endorsement; and the insured shall attend hearings and trials
and assist in securing and giving evidence and obtaining the attendance of
witnesses. The insured shall not, except at his own cost, voluntarily make
any payment, assume any obligation or incur any expense other than for first
aid to others at the time of accident. 

 

          4. Action Against Company: No action shall
lie against the company unless, as a condition precedent thereto, there shall
have been full compliance with all of the terms of this endorsement, nor until
the amount of the insured’s obligation to pay shall have been finally
determined either by judgment against the insured
after actual trial or by written agreement of the insured, the claimant and the company. 

          Any
person or organization or the legal representative thereof who has secured such
judgment or written agreement shall thereafter be entitled to recover under
this endorsement to the extent of the insurance afforded by this endorsement. No
person or organization shall have any right under this endorsement to join the
company as a party to any action against the insured
to determine the insured’s liability, nor shall the company be impleaded by the insured or his legal
representative. Bankruptcy or insolvency of the insured or of the insured’s estate shall not relieve the
company of any of its obligations hereunder.  

          5. Other Insurance: The insurance afforded
by this endorsement is primary insurance, except when stated to apply in excess
of or contingent upon the absence of other insurance. When this insurance is
primary and the insured has other insurance which is stated to be applicable to
the loss on an excess or contingent basis, the amount of the company’s
liability under this endorsement shall not be reduced by the existence of such
other insurance. 

          When
both this insurance and other insurance apply to the loss on the same basis,
whether primary, excess or contingent, the company shall not be liable under
this endorsement for a greater proportion of the loss than that stated in the
applicable contribution provision below:

	
  

 	
  

 
	
 (a)

 	
 Contribution by Equal Shares. If all of such other valid and collectible
 insurance provides for contribution by equal shares, the company shall not be
 liable for a greater proportion of such loss than would be payable if each
 insurer contributes an equal share until the share of each insurer equals the
 lowest applicable limit of liability under any one policy or the full amount
 of the loss is paid, and with respect to any amount of loss not so paid the
 remaining insurers then continue to contribute equal shares of the remaining
 amount of the loss until each such insurer has paid its limit in full or the
 full amount of the loss is paid.

 
	
  

 	
  

 
	
 (b)

 	
 Contribution by Limits. If any of such other insurance does not
 provide for contribution by equal shares, the company shall not be liable for
 a greater proportion of such loss than the applicable limit of liability
 under this endorsement for such loss bears to the total applicable limit of
 liability of all valid and collectible insurance against such loss.

 

          6. Subrogation: In the event of any payment
under this endorsement, the company shall be subrogated to all the insured’s rights
of recovery therefor against any person or organization and the insured shall
execute and deliver instruments and papers and do whatever else is
necessary to secure such rights. The insured shall do nothing after loss to
prejudice such rights.  

GL-7

          7. Changes: Notice to any agent or
knowledge possessed by any agent or by any other person shall not effect a
waiver or a change in any part of this endorsement or estop the company from
asserting any right under the terms of this endorsement; nor shall the terms of
this endorsement be waived or changed, except by endorsement issued to form a
part of this endorsement, signed by a duly authorized representative of the
company.

          8. Assignment: Assignment of interest under
this endorsement shall not bind the company until its consent is endorsed
hereon; if, however, the named insured shall die, such insurance as is afforded
by this endorsement shall apply (1) to the named insured’s legal
representative, as the named insured, but only while acting within the scope of
his duties as such, and (2) with respect to the property of the named insured, to
the person having proper temporary custody thereof, as insured, but only
until the appointment and qualification of the legal representative.  

          9. Cancellation: This endorsement may be
cancelled in accordance with the cancellation provisions on page 2 of the
policy of which it forms a part.

          10. Declarations: By
acceptance of this endorsement, the named insured agrees that
the statements in the declarations are his agreements and representations, that
this endorsement is issued in reliance upon the truth of such representations
and that this endorsement embodies all agreements existing between himself and
the company or any of its agents relating to this insurance.  

          11. None of the provisions, stipulations and other terms of the policy to which
this endorsement is attached shall apply to insurance hereunder except as
expressly provided in this endorsement. All the General Provisions of the
policy apply to this endorsement except those specifically stated to apply only
to other parts. 

GL-8

	
 

	
 

	
 

	
 

	
Endorsement No. CBP
6005D

	
 

	
 

	
 

	
 

	
NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT

	
 

	
 

	
 

	
 

	
Broad
Form

	
 

	
 

	
 

	
 

	
          This
endorsement forms part of Part VI and modifies the provisions of the policy
relating to Comprehensive General Liability Insurance and Medical Payments Insurance.

	
 

	
 

	
 

	
 

	
 

	
          I.
Subject to the provisions of paragraph III of this endorsement, it is agreed
that the policy and any endorsement used therewith, regardless of whether
such endorsement makes the policy exclusions inapplicable, does not apply:

	
 

	
 

	
 

	
 

	
 

	
A.

	
Under any Liability
Coverage, to bodily injury or property damage

	
 

	
 

	
 

	
 

	
 

	
 

	
(1)

	
with respect to which
an insured under the policy is
also an insured under a nuclear energy liability policy issued by Nuclear
Energy Liability Insurance Association, Mutual Atomic Energy Liability
Underwriters or Nuclear Insurance Association of Canada, or would be an
insured under any such policy but for its termination upon exhaustion of its
limit of liability; or

	
 

	
 

	
 

	
 

	
 

	
 

	
(2)

	
resulting from the hazardous properties of nuclear material and with respect to
which (a) any person or organization is required to maintain financial
protection pursuant to the Atomic Energy Act of 1954, or any law amendatory
thereof, or (b) the insured is, or
had this policy not been issued would be, entitled to indemnity from the
United States of America, or any agency thereof, under any agreement entered
into by the United States of America, or any agency thereof, with any person
or organization.

	
 

	
 

	
 

	
 

	
 

	
B.

	
Under any Medical Payments
Coverage, or under any Supplementary Payments provision relating to first
aid, to expenses incurred with respect to bodily
injury resulting from the hazardous
properties of nuclear material and
arising out of the operation of a nuclear
facility by any person or organization.

	
 

	
 

	
 

	
 

	
 

	
C.

	
Under any Liability
Coverage, to bodily injury or property damage resulting from the hazardous properties of nuclear material, if

	
 

	
 

	
 

	
 

	
 

	
 

	
(1)

	
the nuclear material (a) is at any nuclear facility owned by, or operated by
or on behalf of, an insured, or
(b) has been discharged or dispersed therefrom;

	
 

	
 

	
 

	
 

	
 

	
 

	
(2)

	
the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed,
stored, transported or disposed of by or on behalf of an insured; or

	
 

	
 

	
 

	
 

	
 

	
 

	
(3)

	
the bodily injury or property damage arises out of the
furnishing by an insured of
services, materials, parts or equipment in connection with the planning,
construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the
United States of America, its territories or possessions or Canada, this
exclusion (3) applies only to property
damage to such nuclear facility and
any property thereat.

	
 

	
 

	
 

	
 

	
 

	
 

	
II. As used in this
endorsement:

	
 

	
 

	
 

	
 

	
 

	
 “hazardous
properties” include radioactive, toxic or explosive
properties;

	
 

	
 

	
 

	
 

	
 

	
 “nuclear
material” means source
material, special nuclear material or byproduct material;

	
 

	
 

	
 

	
 

	
 

	
 “source
material”, “special nuclear material”, and “byproduct material” have the meanings
given them in the Atomic Energy Act of 1954 or in any law amendatory thereof;

	
 

	
 

	
 

	
 

	
 

	
 “spent
fuel” means any fuel element or fuel component, solid or
liquid, which has been used or exposed to radiation in a nuclear reactor;

	
 

	
 

	
 

	
 

	
 

	
 “waste”
means any waste material (1) containing byproduct
material and (2) resulting from the operation by any person or
organization of any nuclear facility included
within the definition of nuclear facility under
paragraph (a) or (b) thereof;

GL-9

	
 

	
 

	
 “nuclear facility” means

	
 

	
 

	
(a)

	
any
nuclear reactor,

	
 

	
 

	
(b)

	
any
equipment or device designed or used for (1) separating the isotopes of
uranium or plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,

	
 

	
 

	
(c)

	
any
equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time
the total amount of such material in the custody of the insured at the premises where such
equipment or device is located consists of or contains more than 25 grams of
plutonium or uranium 233 or any combination thereof, or more than 250 grams
of uranium 235,

	
 

	
 

	
(d)

	
any
structure, basin, excavation, premises or place prepared or used for the
storage or disposal of waste,

	
 

	
 

	
and
includes the site on which any of the foregoing is located, all operations
conducted on such site and all premises used for such operations;

	
 

	
 

	
 “nuclear reactor” means any apparatus designed or used to sustain nuclear fission in a
self-supporting chain reaction or to contain a critical mass of fissionable
material;

	
 

	
 

	
 “property damage” includes all forms of radioactive contamination of property.

	
 

	
 

	
          III.
The provisions of this endorsement do not apply to Comprehensive Personal and
Farmer’s Comprehensive Personal Insurance.

GL-10

	
 

	
 

	
 

	
SPECIAL
ENDORSEMENT A

	
 

	
POLICY
NO. LX 98131

ADDITIONAL INSURED
- PART VI

	
 

	
 

	
IT
IS AGREED THAT SUCH INSURANCE AS IS AFFORDED BY PART VI OF THE POLICY APPLIES
TO THE ORGANIZATIONS NAMED BELOW:

	
 

	
 

	
1.

	
THE
BUNKER HILL COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP AND OPERATION OF THE
STAR MINE

	
 

	
 

	
2.

	
AMERICAN
SMELTING AND REFINING COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP AND
OPERATION OF THE MORNING MINE

	
 

	
 

	
3.

	
NEW
PARK MINING COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP AND OPERATION OF THE
MAYFLOWER MINE.

	
 

	
 

	
4.

	
RUBY
HILL MINING COMPANY

	
 

	
 

	
5.

	
NEWMONT
MINING COMPANY

	
 

	
 

	
6.

	
SILVER
EUREKA CORPORATION

	
 

	
 

	
7.

	
CYPRESS
EXPLORATION CORPORATION

	
 

	
 

	
8.

	
RICHMOND-EUREKA
MINING COMPANY

	
 

	
 

	
THE
INTEREST OF ADDITIONAL INSURED 4, 5, 6, 7 AND 8 APPLY ONLY AS RESPECT THE
OWNERSHIP AND OPERATION OF THE RUBY HILL MINE AND/OR THE RUBY HILL PROJECT.

CBP 17

	
 

	
 

	
 

	
Policy No. CBP        98131

POLICY CHANGE ENDORSEMENT

Applying to Part          V & VI          

ADDITIONAL INSURED

	
 

	
 

	
 

	
 

	
IT
IS UNDERSTOOD AND AGREED THAT EL PASO NATURAL GAS COMPANY, A DELAWARE
CORPORATION, BUT ONLY INSOFAR AS OPERATION, CONDUCTED BY THE HECLA MINING
COMPANY, AT OR IN CONNECTION WITH THE LAKESHORE PROJECT, PINAL COUNTY,
ARIZONA MAY BE CONCERN, IS HEREBY NAMED AS AN ADDITIONAL INSURED.

	
 

	
 

	
 

	
 

	
 

	
IT
IS FURTHER UNDERSTOOD AND AGREED THAT THIS ENDORSEMENT DOES NOT EXTEND
COVERAGE OF ANY TYPE TO EL PASO NATURAL GAS COMPANY IN CONNECTION WITH ITS
TEMPORARY USE OF THE LAKESHORE FACILITIES UNDER THE LEASE BACK AGREEMENT WITH
HECLA MINING COMPANY.

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
HECLA MINING COMPANY

	
 

	
 

	
 

	
 

	
 

	
 

	
X

	
   

	
 

	
 

	
 

	
     SIGNATURE
OF THE INSURED

	
 

	
 

	
 

	
     assistant Secretary

	
 

          This
endorsement shall not be binding upon the company unless countersigned by a
duly authorized representative of the company.

          This
endorsement forms a part of the above-numbered policy and applies as of the
effective time and date stated below.

	
           

 	
  

 
	
 POLICY ISSUED TO

 	
                                              HECLA
 MINING COMPANY

 

	
  

 	
  

 
	
 By

 	
 THE CONTINENTAL INSURANCE COMPANY

 
	
  

 	
 (Insert
 Name of Company)

 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
THIS ENDORSEMENT EFFECTIVE

	
JUNE
24

	
, 19

	
69

	
AT

	
NOON

	
 .M.

	
 

	
 

	
 

	
 

	
(Hour and Minute)

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
McGOVERN - CARROLL - CAVERLY

	
 

	
COUNTERSIGNED BY

	
     By

	

	
 

	
 

	
Authorized
Representative

	
 

PAC CBP 3067A

	
 

	
 

	
 

	
POLICY NO. CBP 98131

	
 

	
 

	
 

	
POLICY
CHANGE ENDORSEMENT

	
 

	
 

	
 

	
APPLYING
TO PART V & VI

	
 

	
 

	
 

	
ADDITIONAL INSURED

IT IS UNDERSTOOD AND AGREED THAT THE PAPAGO INDIAN TRIBE IS NAMED AS AN ADDITIONAL
INSURED AS RESPECTS THE LAKESHORE PROJECT, PINAL COUNTY, ARIZONA

POLICY
ISSUED TO: HECLA MINING COMPANY

BY:
THE CONTINENTAL INSURANCE COMPANY

THIS
ENDORSEMENT EFFECTIVE: SEPTEMBER 12, 1969

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
McGOVERN - CARROLL - CAVERLY

	
 

	
COUNTERSIGNED BY: 

	
     By

	
  

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
COUNTERSIGNED:

	
 

	
 

	
By

	

	
 

	
 

	
 

	
 

	
(JOHN M. SHIPLEY)

	
 

	
 

	
 

	
RESIDENT STATE AGENT AT

	
 

	
 

	
 

	
COEUR D’ALENE, IDAHO

	
 

CBP 17

CBP 98131 

POLICY CHANGE ENDORSEMENT

APPLYING TO PART V AND VI

IT IS HEREBY UNDERSTOOD AND
AGREED THAT THE ENDORSEMENTS NAMING

EL PASO NATURAL GAS COMPANY &

PAPAGO INDIAN TRIBE                           

AS ADDITIONAL NAMED INSUREDS
IN CONNECTION WITH THE LAKESHORE PROJECT, PINAL COUNTY, ARIZONA ARE DELETED IN
THEIR ENTIRETY.

POLICY ISSUED TO: HECLA
MINING COMPANY
BY THE CONTINENTAL INSURANCE COMPANY
THIS ENDORSEMENT EFFECTIVE
JANUARY 1, 1970

	
  

 	
  

 	
  

 
	
  

 	
 McGOVERN-CARROLL-CAVERLY

 	
  

 
	
 COUNTERSIGNED BY    

 	
 

 	
  

 

[ILLEGIBLE] 17

PACIFIC INSURANCE COMPANY

A Stock Company

160 PINE STREET, SAN FRANCISCO, CALIFORNIA 94111

	
  

 	
  

 
	
 COMPREHENSIVE BUSINESS POLICY

 	
 No. CBP 94227

 

	
 Amount:   (As
 stated in Schedules.)

 	
  

 	
 Provisional
 Premium

 
	
 Policy
 Term:   Three Years

 	
  

 	
 $ 284,500.00 if paid in advance.

 
	
 Inception:    JANUARY
 1, 1972         

 	
  

 	
 $ 99,446.00 each installment, if paid in installments.

 
	
 Expiration:  JANUARY
 1, 1975           

 	
  

 	
 

 

INSURED’S NAME AND MAILING ADDRESS 

1. HECLA MINING COMPANY. 2.
HECLA MINING COMPANY OF CANADA, LTD., 3. NEW PARK MINING COMPANY WITH RESPECT
TO THE MAYFLOWER MINE, WASATCH COUNTY, UTAH ONLY, 4. CONSOLIDATED SILVER
CORPORATION AND AMERICAN SMELTING AND REFINING COMPANY, WITH RESPECT TO THE
CONSIL PROJECT (FORMERLY SILVER SUMMITT MINE), LOSS, IF ANY, TO BE ADJUSTED
WITH AND PAYABLE TO HECLA MINING COMPANY. P.O. BOX 320, HECLA OPERATING CO.     WALLACE, IDAHO 83873

Insurance is afforded only
under those parts of the policy designated by the word “Included” opposite such
part below. The insurance afforded under any part is only in the amounts and
to the extent set forth in such part, subject to all the terms of the policy
having reference thereto.

	
  

 	
  

 	
  

 
	
 Part
 I

 	
 Fire, Lightning, Windstorm
 and Hail, Explosion, Riot, Riot attending a Strike, Civil Commotion, Aircraft
 and Vehicles, Sonic Shock Waves, Smoke, Vandalism and Malicious Mischief,
 Sprinkler Leakage, Elevator Collision, Accident to an Object (Steam Boiler,
 Fired Pressure Vessel or Electric Steam Generator)

 	
 INCLUDED

 
	
  

 
	
Part
 I

 (Optional)

 	
 Unfired Vessels and
 Machinery

 	
 INCLUDED

 
	
 Part
 II

 	
 Business Income

 	
 INCLUDED

 
	
 Part
 III

 	
 Inland Marine

 	
  

 
	
 Part
 IV

 	
 Automobile Physical Damage

 	
 INCLUDED

 
	
 Part
 V

 	
 Comprehensive Automobile
 Liability

 	
 INCLUDED

 
	
 Part
 VI

 	
 Comprehensive General
 Liability

 	
 INCLUDED

 
	
Part
 VII

 	
 Crime

 	
 INCLUDED

 
	
 Part VIII

 	
 BROAD FORM EXCESS POLICY

 	
 INCLUDED

 

IN CONSIDERATION OF THE
PROVISIONS AND STIPULATIONS HEREIN OR ADDED HERETO AND OF the premium above
specified, this Company for the term of years specified above from inception
date shown above At Noon (Standard Time) to expiration date shown above At Noon
(Standard Time) at location of property involved, to an amount not exceeding
the amount(s) above specified, does insure the insured named above and legal
representatives, to the extent of the actual cash value of the property at the
time of loss, but not exceeding the amount which it would cost to repair or
replace the property with material of like kind and quality within a reasonable
time after such loss, without allowance for any increased cost of repair or
reconstruction by reason of any ordinance or law regulating construction or
repair, and without compensation for loss resulting from interruption of
business or manufacture, nor in any event for more than the interest of the
insured, against all DIRECT LOSS BY FIRE, LIGHTNING AND BY REMOVAL FROM
PREMISES ENDANGERED BY THE PERILS INSURED AGAINST IN THIS POLICY, EXCEPT AS
HEREINAFTER PROVIDED, to the property described hereinafter while located or
contained as described in this policy, or pro rata for five days at each proper
place to which any of the property shall necessarily be removed for
preservation from the perils insured against in this policy, but not elsewhere.

Assignment of this policy shall not be valid except with the written consent of
this Company.
This policy is made and accepted subject to the foregoing provisions and
stipulations and those hereinafter stated, which are hereby made a part of this
policy, together with such other provisions, stipulations and agreements as may
be added hereto, as provided in this policy.  

	
  

 	
  

 	
  

 	
  

 
	
 Countersignature Date
 JANUARY 1, 1972

 	
  

 	
 Agency at    SPOKANE,
 WASHINGTON

 	
  

 
	
  

 	
  

 	
  

 	
 Agent

 
	
  

 	
  

 	
 FRED
 S. JAMES OF WASHINGTON

 	
  

 
	
  

 	
  

 	
  

 

70 CBP-1 N.Y.

 Page 1 

	
 

	
Concealment, fraud.

This entire policy
shall be void if, whether before [ILLEGIBLE], the insured has wilfully [ILLEGIBLE] any material
fact or circumstance concerning this insurance or the subject thereof, or the
interest of the insured therein, or in case of any fraud or false swearing by
the insured relating thereto.

	
 

	
Uninsurable and excepted property.

This policy shall not
cover accounts, bills, currency, deeds, evidences of debt, money or
securities; nor, unless specifically named hereon in writing, bullion or
manuscripts.

	
 

	
Perils
not included.

This Company shall not
be liable for loss by fire or other perils insured against in this policy
caused, directly or indirectly, by: (a) enemy attack by armed forces,
including action taken by military, naval or air forces in resisting an
actual or an immediately impending enemy attack; (b) invasion; (c)
insurrection; (d) rebellion; (e) revolution; (f) civil war; (g) usurped
power; (h) order of any civil authority except acts of destruction at the
time of and for the purpose of preventing the spread of fire, provided that
such fire did not originate from any of the perils excluded by this policy;
(i) neglect of the insured to use all reasonable means to save and preserve
the property at and after a loss, or when the property is endangered by fire
in neighboring premises; (j) nor shall this Company be liable for loss by
theft.

	
 

	
Other Insurance.

Other insurance may be
prohibited or the amount of insurance may be limited by endorsement attached
hereto.

	
 

	
Conditions
suspending or restricting insurance. Unless otherwise provided in writing
added hereto this Company shall not be liable for loss occurring

	
 

	
(a) while the hazard is
increased by any means within the control or knowledge of the insured; or

	
 

	
(b) while a described
building, whether intended for occupancy by owner or tenant, is vacant or
unoccupied beyond a period of sixty consecutive days; or

	
 

	
(c) as a result of
explosion or riot, unless fire ensue, and in that event for loss by fire
only.

	
 

	
Other
perils or subjects.

Any other peril to be
insured against or subject of insurance to be covered in this policy shall be
by endorsement in writing hereon or added hereto.

	
 

	
Added provisions.

The extent of the application
of insurance under this policy and of the contribution to be made by this
Company in case of loss, and any other provision or agreement not
inconsistent with the provisions of this policy, may be provided for in
writing added hereto, but no provision may be waived except such as by the
terms of this policy is subject to change.

	
 

	
Waiver provisions.

No permission affecting
this insurance shall exist, or waiver of any provision be valid, unless
granted herein or expressed in writing added hereto. No provision,
stipulation or forfeiture shall be held to be waived by any requirement or
proceeding on the part of this Company relating to appraisal or to any
examination provided for herein.

	
 

	
Cancellation of policy.

This policy shall be
cancelled at any time at the request of the insured, in which case this
Company shall, upon demand and surrender of this policy, refund the excess of
paid premium above the customary short rates for the expired time. This
policy may be cancelled at any time by this Company by giving to the insured
a five days’ written notice of cancellation with or without tender of the
excess of paid premium above the pro rata premium for the expired time, which
excess, if not tendered, shall be refunded on demand. Notice of cancellation
shall state that said excess premium (if not tendered) will be refunded on
demand.

	
 

	
Mortgagee interests and obligations.

If loss hereunder is
made payable, in whole or in part, to a designated mortgagee not named herein
as the insured, such interest in this policy may be cancelled by giving to
such mortgagee a ten days’ written notice of cancellation.

If the insured
fails to render proof of loss such mortgagee, upon notice, shall render proof
of loss in the form herein specified within sixty (60) days thereafter and
shall be subject to the provisions hereof relating to appraisal and time of
payment and of bringing suit. If this Company shall claim that no liability
existed as to the mortgagor or owner, it shall, to the extent of payment of
loss to the mortgagee, be subrogated to all the mortgagee’s rights of
recovery, but without impairing mortgagee’s right to sue; or it may pay off
the mortgage debt and require an assignment thereof and of the mortgage.
Other provisions relating [ILLEGIBLE] the interests and obligations of such mortgagee may
be [ILLEGIBLE] agreement in writing.

	
 

	
Pro rata [ILLEGIBLE].

This Company shall not
be liable for a greater proportion of any loss than the amount hereby insured
shall bear to the whole insurance covering the property against the peril
involved, whether collectible or not.

	
 

	
Requirements in case loss occurs.

The insured shall give
immediate written notice to this Company of any loss, protect the property
from further damage, forthwith separate the damaged and undamaged personal
property, put it in the best possible order, furnish a complete inventory
of the destroyed, damaged and undamaged property, showing in detail
quantities, costs, actual cash value and amount of loss claimed; and within sixty days after the loss, unless such
time is extended in writing by
this Company, the insured shall render to this Company a proof of loss,
signed and sworn to by the insured, stating the knowledge and belief of the
insured as to the following: the time and origin of the loss, the interest of
the insured and of all others in the property, the actual cash value of each
item thereof and the amount of loss thereto, all encumbrances thereon, all
other contracts of insurance, whether valid or not, covering any of said
property, any changes in the title, use, occupation, location, possession or
exposures of said property since the issuing of this policy, by whom and for
what purpose any building herein described and the several parts thereof were
occupied at the time of loss and whether or not it then stood on leased
ground, and shall furnish a copy of all the descriptions and schedules in all
policies and, if required, verified plans and specifications of any building,
fixtures or machinery destroyed or damaged. The insured, as often as may be
reasonably required, shall exhibit to any person designated by this Company all that remains of any property
herein described, and submit to examinations under oath by any person named
by this Company, and subscribe the same; and, as often as may be reasonably
required, shall produce for examination all books of account, bills, invoices
and other vouchers, or certified copies thereof if originals be lost, at such
reasonable time and place as may be designated by this Company or its
representative, and shall permit extracts and copies thereof to be made.

	
 

	
Appraisal.

In case the insured and
this Company shall fail to agree as to the actual cash value or the amount of
loss, then, on the written demand of either, each shall select a competent
and disinterested appraiser and notify the other of the appraiser selected
within twenty days of such demand. The appraisers shall first select a
competent and disinterested umpire; and failing for fifteen days to agree
upon such umpire, then, on request of the insured or this Company, such
umpire shall be selected by a judge of a court of record in the state in
which the property covered is located. The appraisers shall then appraise the
loss, stating separately actual cash value and loss to each item; and,
failing to agree, shall submit their differences, only, to the umpire. An
award in writing, so itemized, of any two when filed with this Company shall
determine the amount of actual cash value and loss. Each appraiser shall be
paid by the party selecting him and the expenses of appraisal and umpire
shall be paid by the parties equally.

	
 

	
Company’s options.

It shall be optional
with this Company to take all, or any part, of the property at the agreed or
appraised value, and also to repair, rebuild or replace the property
destroyed or damaged with other of like kind and quality within a reasonable
time, on giving notice of its intention so to do within thirty days after the
receipt of the proof of loss herein required. 

	
 

	
Abandonment.

There can be no
abandonment to this Company of any property.

	
 

	
When loss payable.

The amount of loss for
which this Company may be liable shall be payable sixty days after proof of
loss, as herein provided, is received by this Company and ascertainment of
the loss is made either by agreement between the insured and this Company
expressed in writing or by the filing with this Company of an award as herein
provided.

	
 

	
Suit.

No suit or action on
this policy for the recovery of any claim shall be sustainable in any court
of law or equity unless all the requirements of this policy shall have been
complied with, and unless commenced within twelve months next after inception
of the loss.

	
 

	
Subrogation.

This Company may
require from the insured an assignment of all right of recovery against any
party for loss to the extent that payment therefor is made by this Company.

IN WITNESS WHEREOF, this Company has executed and
attested these presents; but this policy shall not be valid unless
countersigned by the duly authorized Aqent of this Company at the agency
hereinbefore mentioned.

	
 

	
 

	
 

	

	
 

	

	
Secretary

	

Page 2

	
President          

	
 

	
 

	
 

	
Endorsement No. CBP
600E 

	
 

	
Policy No. CBP   94227         

PART VI —
COMPREHENSIVE GENERAL LIABILITY INSURANCE

DECLARATIONS

The insurance afforded is only with
respect to such of the following coverages as are indicated by a limit of
liability. The limit of the company’s liability against each such coverage
shall be as stated herein, subject to all the terms of this policy having reference
thereto.

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
COVERAGES AND LIMITS
OF LIABILITY

	
 

	
 

	
Coverage A

Bodily Injury Liability

	
 

	
Coverage B

Property Damage Liability

	
each person

	
 

	
each occurrence

	
 

	
aggregate

	
 

	
each occurrence

	
 

	
aggregate

	
$100,000.00

	
 

	
$ 300,000.00

	
 

	
$300,000.00

	
 

	
$100,000.00

	
 

	
$ 100,000.00

	
 

	
 

	
Audit
Period: Annual, unless otherwise stated.

	
 

	
 

	
The
named insured is: individual o;
partnership o;
corporation x;
joint venture o;
other (specify)

	
 

	
 

	
 

	
Location
of all premises owned by, rented to or controlled by the named insured. (Enter “same” if same location
as address
shown on page 1 of the policy.)
_____________________________________________________________________________
Interest of named insured in
such premises. (Describe interest, such as “owner”, “general lessee” or
“tenant”.)

	
___________________________________________________________________________________________________________

	
Part
occupied by named insured
__________________________________________________________________________

	
___________________________________________________________________________________________________________

	
Forms and Endorsements made a part of Part-VI at time of issue: CBP
6005D

	
    CBP
644E, CBP 678E, CBP 6024, CBP 6036, SPECIAL ENDORSEMENT A AND B                                                                         

When used as a premium
basis:

	
 

	
 

	
(1)

	
“admissions” means the total number
of persons, other than employees of the named
insured, admitted to the event insured or to events conducted on
the premises whether on paid admission tickets, complimentary tickets or
passes;

	
 

	
 

	
(2)

	
“cost” means the total cost to the named insured with respect to operations
performed for the named insured
during the policy period by independent contractors of all work let or
sub-let in connection with each specific project, including the cost of all
labor, materials and equipment furnished, used or delivered for use in the
execution of such work, whether furnished by the owner, contractor or
subcontractor, including all fees, allowances, bonuses or commissions made,
paid or due;

	
 

	
 

	
(3)

	
“receipts” means the gross amount of
money charged by the named insured
for such operations by the named insured
or by others during the policy period as are rated on a receipts basis other
than receipts from telecasting, broadcasting or motion pictures, and includes
taxes, other than taxes which the named
insured collects as a separate item and remits directly to a
governmental division;

	
 

	
 

	
(4)

	
“remuneration” means the entire
remuneration earned during the policy period by proprietors and by all
employees of the named insured,
other than chauffeurs (except operators of mobile equipment) and aircraft
pilots and co-pilots, subject to any overtime earnings or limitation of remuneration
rule applicable in accordance with the manuals in use by the company;

	
 

	
 

	
(5)

	
“sales” means the gross
amount of money charged by the named
insured or by others trading under his name for all goods and
products sold or distributed during the policy period and charged during the
policy period for installation, servicing or repair, and includes taxes,
other than taxes which the named insured
and such others collect as a separate item and remit directly to a
governmental division.

CBP 600 E—Dec. (Pac)—Incomplete without pages GL-2 through GL-10

GL-1

COMPREHENSIVE
GENERAL LIABILITY INSURANCE

          The Company, in
consideration of the payment of the premium, in reliance upon the statements in
the declarations of this endorsement made a part hereof and subject to all of
the terms of this endorsement, agrees with the named insured as follows:

I.  COVERAGE A—BODILY INJURY LIABILITY

              COVERAGE B—PROPERTY
DAMAGE LIABILITY

          The company will pay on
behalf of the insured all sums which the insured shall become legally obligated
to pay as damages because of

	
  

 	
  

 
	
 A.

 	
 bodily
injury or

 
	
 B.

 	
 property
 damage

 

to which this insurance
applies, caused by an occurrence, and the company shall have the
right and duty to defend any suit against the insured seeking damages on
account of such bodily injury or property damage, even if any of the
allegations of the suit are groundless, false or fraudulent, and may make such
investigation and settlement of any claim or suit as it deems expedient, but
the company shall not be obligated to pay any claim or judgment or to defend
any suit after the applicable limit of the company’s liability has been
exhausted by payment of judgments or settlements.  

Exclusions

          This insurance does not apply:

	
  

 	
  

 	
  

 
	
 (a)

 	
 to liability assumed by
the insured under any contract
or agreement except an incidental contract; but this exclusion does not apply
to a warranty of fitness or quality of the named insured’s products or a
warranty that work performed by or on behalf of the named insured will be done in a
workmanlike manner;  

 
	
  

 	
  

 
	
 (b)

 	
 to bodily injury or property damage arising out of the
 ownership, maintenance, operation, use, loading or unloading of

 
	
  

 	
  

 
	
  

 	
 (1)

 	
 any automobile or aircraft owned or operated
by or rented or loaned to the named insured, or 

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 any other automobile or aircraft operated by any
 person in the course of his employment by the named insured;

 
	
  

 	
  

 	
  

 
	
  

 	
 but this exclusion does
not apply to the parking of an automobile on premises owned by, rented to or
controlled by the named insured or the ways immediately
adjoining, if such automobile is not owned by or rented or loaned to the named insured;  

 
	
  

 	
  

 
	
 (c)

 	
 to bodily injury or property damage arising out of and
 in the course of the transportation of mobile
 equipment by an automobile owned or operated by or rented
 or loaned to the named insured;

 
	
  

 	
  

 
	
 (d)

 	
 to bodily injury or property damage arising out of the
ownership, maintenance, operation, use, loading or unloading of any
watercraft, if the bodily injury or
property damage occurs away from
premises owned by, rented to or controlled by the named insured; but this exclusion does not apply to bodily injury or property damage included within the products hazard or the completed operations hazard or resulting
from operations performed for the named
insured by independent contractors or to liability assumed by the insured under an incidental contract; 

 
	
  

 	
  

 
	
 (e)

 	
 to bodily injury or property damage due to
 war, whether or not declared, civil war, insurrection, rebellion or
 revolution or to any act or condition incident to any of the foregoing, with
 respect to

 
	
  

 	
  

 
	
  

 	
 (1)

 	
 liability assumed by
 the insured under an incidental contract, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 expenses for first aid
 under the Supplementary Payments provision;

 
	
  

 	
  

 	
  

 
	
 (f)

 	
 to bodily injury or property damage for which the insured or his indemnitee may be held
 liable, as a person or organization engaged in the business of manufacturing,
 distributing, selling or serving alcoholic beverages or as an owner or lessor
 of premises used for such purposes, by reason of the selling, serving or
 giving of any alcoholic beverage

 
	
  

 	
  

 
	
  

 	
 (1)

 	
 in violation of any
 statute, ordinance or regulation,

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 to a minor,

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 to a person under the
 influence of alcohol, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (4)

 	
 which causes or
 contributes to the intoxication of any person;

 

GL-2

	
  

 	
  

 	
  

 
	
 (g)

 	
 to any obligation for
 which the insured or any carrier
 as his insurer may be held liable under any workmen’s compensation,
 unemployment compensation or disability benefits law, or under any similar
 law;

 
	
  

 	
  

 
	
 (h)

 	
 to bodily injury to any
employee of the insured arising out of and in the course of his employment by the insured; but this exclusion
does not apply to liability assumed by the insured under an incidental contract; 

 
	
  

 	
  

 	
  

 
	
 (i)

 	
 to property damage to

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 property owned or
 occupied by or rented to the insured,

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 property used by the insured, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 property in the care,
 custody or control of the insured
 or as to which the insured is
 for any purpose exercising physical control;

 
	
  

 	
  

 	
  

 
	
  

 	
 but parts (2) and (3)
of this exclusion do not apply with respect to liability under a written
sidetrack agreement and part (3) of this exclusion does not apply with
respect to property damage
(other than to elevators) arising out of the use of an elevator at premises owned by, rented to
or controlled by the named insured; 

 
	
  

 	
  

 	
  

 
	
 (j)

 	
 to property damage to premises alienated by
 the named insured arising
 out of such premises or any part thereof;

 
	
  

 	
  

 
	
 (k)

 	
 to bodily injury or property damage resulting from the
failure of the named insured’s products or
work completed by or for the named insured to
perform the function or serve the purpose intended by the named insured, if
such failure is due to a mistake or deficiency in any design, formula, plan,
specifications, advertising material or printed instructions prepared or
developed by any insured; but
this exclusion does not apply to bodily
injury or property damage resulting
from the active malfunctioning of such products or work; 

 
	
  

 	
  

 
	
 (1)

 	
 to property damage to the named
 insured’s products arising out of such products or any part of
 such products;

 
	
  

 	
  

 
	
 (m)

 	
 to property damage to work performed by or on behalf of the named insured arising out of the work or
 any portion thereof, or out of materials, parts or equipment furnished in
 connection therewith;

 
	
  

 	
  

 
	
 (n)

 	
 to damages claimed for
the withdrawal, inspection, repair, replacement, or loss of use of the named
insured’s products or work completed by or for the named insured or of any
property of which such products or work form a part, if such products, work
or property are withdrawn from the market or from use because of any known or
suspected defect or deficiency therein. 

 

II.   PERSONS
INSURED

	
  

 	
  

 	
  

 
	
  

 	
 Each of the following
is an insured under this endorsement to the extent set forth below: 

 
	
  

 	
  

 
	
 (a)

 	
 if the named insured is designated in the
 declarations as an individual, the person so designated but only with respect
 to the conduct of a business of which he is the sole proprietor;

 
	
  

 	
  

 
	
 (b)

 	
 if the named insured is designated in the
 declarations as a partnership or joint venture, the partnership or joint
 venture so designated and any partner or member thereof but only with respect
 to his liability as such;

 
	
  

 	
  

 
	
 (c)

 	
 if the named insured is designated in the
 declaration as other than an individual, partnership or joint venture, the
 organization so designated and any executive officer, director or stockholder
 thereof while acting within the scope of his duties as such;

 
	
  

 	
  

 
	
 (d)

 	
 any person (other than
 an employee of the named insured)
 or organization while acting as real estate manager for the named insured; and

 
	
  

 	
  

 
	
 (e)

 	
 with respect to the
 operation, for the purpose of locomotion upon a public highway, of mobile equipment registered under any
 motor vehicle registration law,

 
	
  

 	
  

 	
  

 
	
  

 	
 (i)

 	
 an employee of the named insured while operating any such
 equipment in the course of his employment, and

 
	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
 any other person while
 operating with the permission of the named
 insured any such equipment registered in the
 name of the named insured and any person or organization legally
 responsible for such operation, but only if there is no other valid and
 collectible insurance available, either on a primary or excess basis, to such
 person or organization;

 

 CBP 600E(Pac) Incomplete without CBP 600E-Dec.(Pac)

GL-3

	
  

 	
  

 	
  

 
	
  

 	
 provided that no person
or organization shall be an insured under this paragraph (e) with respect to: 

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 bodily
 injury to any fellow employee of such person injured in the
 course of his employment, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 property
 damage to property owned by, rented to, in charge of or
 occupied by the named insured or the employer of any
 person described in subparagraph (ii).

 

          This
insurance does not apply to bodily injury or property damage arising out of the conduct of any partnership or
joint venture of which the insured is a partner or member and which is not
designated in this endorsement as a named
insured.  

III.   LIMITS
OF LIABILITY

          Regardless
of the number of (1) insureds
under this endorsement, (2) persons or organizations who sustain bodily injury or property damage, or (3) claims made or suits brought on
account of bodily injury or property damage, the company’s liability
under this endorsement is limited as follows:

          Coverage
A—The limit of bodily injury liability stated in the
declarations as applicable to “each person” is the limit of the company’s
liability for all damages because
of bodily injury sustained by one person as the result of any one occurrence;
but subject to the above provision respecting “each person”, the total
liability of the company for all damages because of bodily injury sustained by
two or more persons as the result of any one occurrence shall not exceed the limit of bodily injury liability stated in the
declarations as applicable to “each
occurrence”.

          Subject
to the above provisions respecting “each person” and “each occurrence”, the total
liability of the company for all damages because of (1) all bodily
injury included within the completed operations hazard and (2) all bodily
injury included within the products hazard shall not exceed the
limit of bodily injury liability stated in the declarations as “aggregate”.  

          Coverage B—The total
liability of the company for all damages because of all property damage sustained by
one or more persons or organizations as the result of any one occurrence shall not exceed the limit of property
damage liability stated in the declarations as applicable to “each occurrence”.

          Subject
to the above provision respecting “each occurrence” the total liability of the
company for all damages because of
all property
damage to which this coverage applies and described in any of the
numbered subparagraphs below shall not exceed the limit of property damage liability
stated in the declarations as “aggregate”:

	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 all property
 damage arising out of premises or operations rated on a
 remuneration basis or contractor’s equipment rated on a receipts basis,
 including property damage for which liability is assumed under any incidental contract relating to such
 premises or operations, but excluding property damage included in subparagraph
 (2) below;

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 all property
damage arising out of and occurring in the course of operations
performed for the named insured by independent contractors
and general supervision thereof by the named insured, including any such property
damage for which liability is assumed under any incidental contract relating to such operations, but this subparagraph (2) does not
include property damage arising out of maintenance or repairs at premises owned by
or rented to the named insured or structural alterations
at such premises which do not involve changing the size of or moving
buildings or other structures;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 all property
 damage included within the products
 hazard and all property damage included within the completed operations hazard.

 

          Such
aggregate limit shall apply separately to the property damage described in
subparagraphs (1), (2) and (3) above, and under subparagraphs (1) and (2),
separately with respect to each project away from premises owned by or rented
to the named insured. 

          Coverages
A and B—For the purpose of determining the limit of the
company’s liability, all bodily injury and property damage arising out
of continuous or repeated exposure to substantially the same general conditions
shall be considered as arising out of one occurrence.

          The
limits of the company’s liability shall apply separately to each consecutive
annual period comprising the policy period.

IV.   POLICY
PERIOD; TERRITORY

          This
insurance applies only to bodily injury or property damage which occurs
during the policy period as shown on page 1 of the policy of which this
endorsement is a part, within the policy
territory.

GL-4

V.
SUPPLEMENTARY PAYMENTS

          The
company will pay, in addition to the applicable limit of liability:

	
  

 	
  

 
	
 (a)

 	
 all expenses incurred
 by the company, all costs taxed against the insured
 in any suit defended by the company and all interest on the entire amount of
 any judgment therein which accrues after entry of the judgment and before the
 company has paid or tendered or deposited in court that part of the judgment
 which does not exceed the limit of the company’s liability thereon;

 
	
  

 	
  

 
	
 (b)

 	
 premiums on appeal
 bonds required in any such suit, premiums on bonds to release attachments in
 any such suit for an amount not in excess of the applicable limit of liability
 of this endorsement, and the cost of bail bonds required of the insured because of accident or traffic
 law violation arising out of the use of any vehicle to which this endorsement
 applies, not to exceed $250 per bail bond, but the company shall have no
 obligation to apply for or furnish any such bonds;

 
	
  

 	
  

 
	
 (c)

 	
 expenses incurred by
 the insured for first aid to
 others at the time of an accident, for bodily injury to which this endorsement
 applies;

 
	
  

 	
  

 
	
 (d)

 	
 reasonable expenses incurred by the insured at the company’s
request, including actual loss of wages or salary (but not loss of other
income) not to exceed $25 per day because of his attendance at hearings or
trials at such request. 

 

VI.   DEFINITIONS

          When
used in this endorsement (including endorsements forming a part hereof):

          “automobile” means a land motor vehicle,
trailer or semi-trailer designed for travel on public roads (including any
machinery or apparatus attached thereto), but does not include mobile equipment;

          “bodily injury” means bodily injury,
sickness or disease sustained by any person;

          “completed operations hazard” includes bodily
injury and property damage arising out of operations
or reliance upon a representation or warranty made at any time with respect
thereto, but only if the bodily injury or property damage occurs after
such operations have been completed or abandoned and occurs away from premises
owned by or rented to the named insured.
“Operations” include materials, parts or equipment furnished in connection
therewith. Operations shall be deemed completed at the earliest of the
following times:

	
  

 	
  

 
	
 (1)

 	
 when all operations to
 be performed by or on behalf of the named insured under the contract have
 been completed,

 
	
  

 	
  

 
	
 (2)

 	
 when all operations to
 be performed by or on behalf of the named insured at the site of the
 operations have been completed, or

 
	
  

 	
  

 
	
 (3)

 	
 when the portion of the
 work out of which the injury or damage arises has been put to its intended
 use by any person or organization other than another contractor or
 subcontractor engaged in performing operations for a principal as a part of
 the same project.

 

          Operations
which may require further service or maintenance work, or correction, repair or
replacement because of any defect or deficiency, but which are otherwise
complete, shall be deemed completed.

          The completed operations hazard
does not include bodily injury or property
damage arising out of 

	
  

 	
  

 
	
 (a)

 	
 operations in
 connection with the transportation of property, unless the bodily
 injury or property damage arises out of a condition
 in or on a vehicle created by the loading or unloading thereof,

 
	
  

 	
  

 
	
 (b)

 	
 the existence of tools,
 uninstalled equipment or abandoned or unused materials, or

 
	
  

 	
  

 
	
 (c)

 	
 operations for which
 the classification stated in the policy or in the company’s manual specifies
 “including completed operations”;

 

          “damages”
includes damages for death and for care and loss of services resulting from bodily
injury and damages for loss of use of property resulting from property
damage;

          “elevator”
means any hoisting or lowering device to connect floors or
landings, whether or not in service, and all appliances thereof including any
car, platform, shaft, hoistway, stairway, runway, power equipment and
machinery; but does not include an automobile
servicing hoist, or a hoist without a platform outside a building if without
mechanical power or if not attached to building walls, or a hod or material
hoist used in alteration, construction or demolition operations, or an inclined
conveyor used exclusively for carrying

GL-5

property or a dumbwaiter
used exclusively for carrying property and having a compartment height not
exceeding four feet;

          “incidental
contract” means any written (1) lease of premises, (2)
easement agreement, except in connection with construction or demolition
operations on or adjacent to a railroad, (3) undertaking to indemnify a
municipality required by municipal ordinance, except in connection with work
for the municipality, (4) sidetrack agreement, or (5) elevator maintenance
agreement; 

          “insured” means (1) with respect to
coverages A and B any person or organization qualifying as an insured in the
“Persons Insured” provision of this endorsement and (2) with respect to other
coverages any person or organization qualifying as an insured in the “Persons
Insured” provision of the endorsement affording such coverage. The insurance
afforded applies separately to each insured against whom claim is made or suit
is brought, except with respect to the limits of the company’s liability; 

          “mobile equipment” means a land vehicle
(including any machinery or apparatus attached thereto), whether or not
self-propelled, (1) not subject to motor vehicle registration, or (2)
maintained for use exclusively on premises owned by or rented to the named insured, including the ways
immediately adjoining, or (3) designed for use principally off public roads, or
(4) designed or maintained for the sole purpose of affording mobility to
equipment of the following types forming an integral part of or permanently
attached to such vehicle: power cranes, shovels, loaders, diggers and drills;
concrete mixers (other than the mix-in-transit type); graders, scrapers,
rollers and other road construction or repair equipment; air-compressors, pumps
and generators, including spraying, welding and building cleaning equipment;
and geophysical exploration and well servicing equipment;

          “named
insured” means the person or organization named on page 1 of
this policy;

          “named
insured’s products” means goods or products manufactured,
sold, handled or distributed by the named insured or by others trading under
his name, including any container thereof (other than a vehicle), but “named insured’s products” shall not
include a vending machine or any property other than such container, rented to
or located for use of others but not sold;

          “occurrence” means an
accident, including injurious exposure to conditions, which results,
during the policy period, in bodily injury or property damage neither
expected nor intended from the standpoint of the insured;

          “policy
territory” means

	
  

 	
  

 
	
 (1)

 	
 the United States of
 America, its territories or possessions, or Canada, or

 
	
  

 	
  

 
	
 (2)

 	
 international waters or
 air space, provided the bodily injury or property damage does not
 occur in the course of travel or transportation to or from any other country,
 state or nation, or

 
	
  

 	
  

 
	
 (3)

 	
 anywhere in the world
with respect to damages because of bodily injury or property damage arising out
of a product which was sold for use or consumption within the territory
described in paragraph (1) above, provided the original suit for such damages
is brought within such territory; 

 

 “products
hazard” includes bodily injury and property damage arising out
of the named insured’s products or reliance upon a
representation or warranty made at any time with respect thereto, but only if
the bodily
injury or property damage occurs away from premises
owned by or rented to the named insured and after physical possession
of such products has been relinquished to others;

“property damage” means injury
to or destruction of tangible property.

VII.   CONDITIONS

          1.  Premium: An estimated premium for this
endorsement has been used as a factor in the computation of the Provisional
premium for this policy. The actual premium for the insurance afforded by this
endorsement, determined in accordance with the Company’s rules, rates, rating
plans, premium and minimum premiums applicable to this insurance, shall be
included as a factor in the computation of the earned premium for this policy.

          The
named
insured shall maintain records of such information as is necessary
for premium computation, and shall send copies of such records to the company
at the end of the policy period and at such times during the policy period as
the company may direct.

          2.  Financial Responsibility Laws: When this
endorsement is certified as proof of financial responsibility for the future
under the provisions of any motor vehicle financial responsibility law, such
insurance as is afforded by this endorsement for bodily injury liability or
for property
damage liability shall comply with the

GL-6

provisions of such law to
the extent of the coverage and limits of liability required by such law. The insured agrees to reimburse the company for
any payment made by the company which it would not have been obligated to make
under the terms of this endorsement except for the agreement contained in this
paragraph.

          3.
Insured’s Duties in the Event of Occurrence, Claim or Suit:

	
  

 	
  

 
	
 (a)

 	
 In the event of an occurrence, written notice containing particulars sufficient to identify the insured and
 also reasonably obtainable information with respect to the time, place and
 circumstances thereof, and the names and addresses of the injured and of
 available witnesses, shall be given by or for the insured to the company or any of its authorized agents as
 soon as practicable. The named insured shall promptly take at his
 expense all reasonable steps to prevent other bodily injury or property
 damage from arising out of
 the same or similar conditions, but such expense shall not be recoverable
 under this endorsement.

 
	
  

 	
  

 
	
 (b)

 	
 If claim is made or
suit is brought against the insured, the insured shall immediately forward to the company every demand, notice,
summons or other process received by him or his representative. 

 
	
  

 	
  

 
	
 (c)

 	
 The insured shall cooperate with the company
 and, upon the company’s request, assist in making settlements, in the conduct
 of suits and in enforcing any right of contribution or indemnity against any
 person or organization who may be liable to the insured because of bodily injury or property damage with
 respect to which insurance is afforded under this endorsement; and the insured shall attend hearings and trials
 and assist in securing and giving evidence and obtaining the attendance of
 witnesses. The insured shall
 not, except at his own cost, voluntarily make any payment, assume any
 obligation or incur any expense other than for first aid to others at the
 time of accident.

 

          4. Action Against Company: No action
shall lie against the company unless, as a condition precedent thereto, there
shall have been full compliance with all of the terms of this endorsement, nor
until the amount of the insurer’s obligation
to pay shall have been finally determined either by judgment against the insured after actual trial or by written
agreement of the insured, the
claimant and the company. 

          Any
person or organization or the legal representative thereof who has secured such
judgment or written agreement shall thereafter be entitled to recover under
this endorsement to the extent of the insurance afforded by this endorsement.
No person or organization shall have any right under this endorsement to join
the company as a party to any action against the insured to determine the insured’s
liability, nor shall the company be impleaded by the insured or his legal
representative. Bankruptcy or insolvency of the insured or of the insured’s estate shall not relieve
the company of any of its obligations hereunder.

          5. Other Insurance: The insurance
afforded by this endorsement is primary insurance, except when stated to apply
in excess of or contingent upon the absence of other insurance. When this
insurance is primary and the insured has other insurance which is stated to be
applicable to the loss on an excess or contingent basis, the amount of the
company’s liability under this endorsement shall not be reduced by the
existence of such other insurance.  

          When
both this insurance and other insurance apply to the loss on the same basis,
whether primary, excess or contingent, the company shall not be liable under
this endorsement for a greater proportion of the loss than that stated in the
applicable contribution provision below:

	
  

 	
  

 
	
 (a)

 	
 Contribution
 by Equal Shares. If all of such other valid and collectible
 insurance provides for contribution by equal shares, the company shall not
 be liable for a greater proportion of such loss than would be payable if each
 insurer contributes an equal share until the share of each insurer equals the
 lowest applicable limit of liability under any one policy or the full amount
 of the loss is paid, and with respect to any amount of loss not so paid the
 remaining insurers then continue to contribute equal shares of the remaining
 amount of the loss until each such insurer has paid its limit in full or the
 full amount of the loss is paid.

 
	
  

 	
  

 
	
 (b)

 	
 Contribution
 by Limits. If any of such other insurance does not provide
 for contribution by equal shares, the company shall not be liable for a
 greater proportion of such loss than the applicable limit of liability under
 this endorsement for such loss bears to the total applicable limit of
 liability of all valid and collectible insurance against such loss.

 

          6. Subrogation: In the event of any
payment under this endorsement, the company shall be subrogated to all the
insured’s rights of recovery therefor against any person or organization and
the insured shall execute and deliver instruments and papers and do whatever
else is necessary to secure such rights. The insured shall do nothing after
loss to prejudice such rights.  

GL-7

          7. Changes: Notice to any agent or
knowledge possessed by any agent or by any other person shall not effect a
waiver or a change in any part of this endorsement or estop the company from
asserting any right under the terms of this endorsement; nor shall the terms of
this endorsement be waived or changed, except by endorsement issued to form a
part of this endorsement, signed by a duly authorized representative of the
company. 

          8. Assignment: Assignment of interest
under this endorsement shall not bind the company until its consent is
endorsed hereon; if, however, the named
insured shall die, such insurance as is afforded by this endorsement shall apply (1) to the named insured’s legal
representative, as the named insured, but only while acting within the scope of his duties as such, and (2) with
respect to the property of the named insured, to the person having proper temporary custody thereof, as insured, but only
until the appointment and
qualification of the legal representative.

          9. Cancellation: This endorsement may
be cancelled in accordance with the cancellation provisions on page 2 of the
policy of which it forms a part.

          10. Declarations: By acceptance of
this endorsement, the named insured agrees that the statements in
the declarations are his agreements and representations, that this endorsement
is issued in reliance upon the truth of such representations and that this
endorsement embodies all agreements existing between himself and the company or
any of its agents relating to this insurance.

          11.
None of the provisions, stipulations and other terms of the policy to which
this endorsement is attached shall apply to insurance hereunder except as
expressly provided in this endorsement. All the General Provisions of the
policy apply to this endorsement except those specifically stated to apply only
to other parts.

GL-8

	
  

 	
  

 
	
  

 	
 Endorsement No. CBP 644E

 
	
  

 	
 Policy No. CBP 94227

 

EMPLOYERS’ NON-OWNERSHIP LIABILITY - AIRCRAFT

It is agreed that
notwithstanding anything to the contrary set forth in exclusion (b) of Part VI
of this policy the insurance afforded under Part VI of the policy applies to
the liability of the insured for bodily injury, sickness, disease or death or
injury to or destruction of property arising out of the operation of any
aircraft by any employee of the insured, subject to the following provisions:

	
  

 	
  

 
	
 1.

 	
 The insurance does not
 apply to the operation of any aircraft owned in whole or in part by, or
 registered in the name of, the insured.

 
	
  

 	
  

 
	
 2.

 	
 The insurance shall be
 excess over any other valid and collectible insurance available to the
 insured, either as an insured under a policy applicable with respect to the
 aircraft or otherwise, against a loss for which insurance is afforded by this
 endorsement.

 

[ILLEGIBLE]

	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Endorsement No. CBP 6005D

 
	
  

 	
  

 	
  

 
	
 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT

 
	
  

 
	
 Broad
 Form

 
	
  

 
	
           This
 endorsement forms part of Part VI and modifies the provisions of the policy
 relating to Comprehensive General Liability Insurance and Medical Payments
 Insurance.

 
	
  

 
	
  

 	
           I.
 Subject to the provisions of paragraph III of this endorsement, it is agreed
 that the policy and any endorsement used therewith, regardless of whether
 such endorsement makes the policy exclusions inapplicable, does not apply:

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 Under any Liability
 Coverage, to bodily injury or property damage

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 with respect to which
 an insured under the policy is
 also an insured under a nuclear energy liability policy issued by Nuclear
 Energy Liability Insurance Association, Mutual Atomic Energy Liability
 Underwriters or Nuclear Insurance Association of Canada, or would be an
 insured under any such policy but for its termination upon exhaustion of its
 limit of liability; or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 resulting from the hazardous properties of nuclear material and
 with respect to which (a) any person or organization is required to maintain
 financial protection pursuant to the Atomic Energy Act of 1954, or any law
 amendatory thereof, or (b) the insured is,
 or had this policy not been issued would be, entitled to indemnity from the
 United States of America, or any agency thereof, under any agreement entered
 into by the United States of America, or any agency thereof, with any person
 or organization.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 B.

 	
 Under any Medical
 Payments Coverage, or under any Supplementary Payments provision relating to
 first aid, to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of
 the operation of a nuclear facility by
 any person or organization.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 C.

 	
 Under any Liability
 Coverage, to bodily injury or property damage resulting from the hazardous properties of nuclear material, if

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 the nuclear material (a) is at any nuclear facility owned by, or operated by
 or on behalf of, an insured, or
 (b) has been discharged or dispersed therefrom;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 the nuclear material is contained in spent fuel or waste at any time
 possessed, handled, used, processed, stored, transported or disposed of by or
 on behalf of an insured; or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (3)

 	
 the bodily injury or property damage arises out of the
 furnishing by an insured of
 services, materials, parts or equipment in connection with the planning,
 construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the
 United States of America, its territories or possessions or Canada, this
 exclusion (3) applies only to property
 damage to such nuclear facility and
 any property thereat.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 II.

 	
 As used in this
 endorsement:

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  “hazardous
 properties” include radioactive, toxic or explosive
 properties;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  “nuclear
 material” means source
 material, special nuclear material or byproduct material;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  “source
 material”, “special nuclear material”, and “byproduct material” have
 the meanings given them in the Atomic Energy Act of 1954 or in any law
 amendatory thereof;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  “spent
 fuel” means any fuel element or fuel component, solid or
 liquid, which has been used or exposed to radiation in a nuclear reactor;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  “waste”
 means any waste material (1) containing byproduct material and (2) resulting from
 the operation by any person or organization of any nuclear facility included within the definition of nuclear facility under paragraph (a) or
 (b) thereof;

 

GL-9

	
  

 	
  

 
	
  “nuclear facility” means

 
	
  

 	
  

 
	
 (a)

 	
 any
 nuclear reactor,

 
	
  

 	
  

 
	
 (b)

 	
 any
 equipment or device designed or used for (1) separating the isotopes of
 uranium or plutonium, (2) processing or utilizing spent fuel, or (3) handling, processing or packaging waste,

 
	
  

 	
  

 
	
 (c)

 	
 any
 equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time
 the total amount of such material in the custody of the insured at the premises where such
 equipment or device is located consists of or contains more than 25 grams of
 plutonium or uranium 233 or any combination thereof, or more than 250 grams
 of uranium 235,

 
	
  

 	
  

 
	
 (d)

 	
 any
 structure, basin, excavation, premises or place prepared or used for the
 storage or disposal of waste,

 
	
  

 	
  

 
	
 and
 includes the site on which any of the foregoing is located, all operations
 conducted on such site and all premises used for such operations;

 
	
  

 	
  

 
	
  “nuclear reactor” means any apparatus designed or used to sustain nuclear fission in a
 self-supporting chain reaction or to contain a critical mass of fissionable
 material;

 
	
  

 	
  

 
	
  “property damage” includes all forms of radioactive contamination of property.

 
	
  

 	
  

 
	
           III.
 The provisions of this endorsement do not apply to Comprehensive Personal and
 Farmer’s Comprehensive Personal Insurance.

 

GL-10

	
  

 	
  

 
	
  

 	
 Endorsement No. CBP 678E 

 
	
  

 	
 Policy No. CBP    94227   

 

PERSONAL INJURY LIABILITY INSURANCE

          This
endorsement forms part of Part VI of the above-numbered policy.

SCHEDULE

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Coverage

 	
  

 	
 Limits of Liability

 
	 
 	
  

 	 

 
	
 P.

 	
 Personal Injury Liability

 	
  

 	
  

 	
 $ 100,000. each person aggregate

 
	
  

 	
 The insurance afforded is
 only with respect to personal injury
 arising out of an offense included within such of the following groups of
 offenses as are indicated by the word “Included.”

 	
  

 	
  

 	
 $ 300,000. general
 aggregate

 Insured’s Participation 0%

 
	
  

 	
  

 	
  

 
	
 Groups of Offenses

 	
  

 	
 Indicate if Included

 
	 
 	
  

 	 

 
	
  

 	
 A.

 	
 False Arrest, Detention or
 Imprisonment, or Malicious Prosecution

 	
  

 	
  

 	
 INCLUDED

 
	
  

 	
 B.

 	
 Libel, Slander, Defamation
 or Violation of Right of Privacy

 	
  

 	
  

 	
 INCLUDED

 
	
  

 	
 C.

 	
 Wrongful Entry or Eviction
 or Other Invasion of Right of Private Occupancy

 	
  

 	
  

 	
 INCLUDED

 

I. COVERAGE P—PERSONAL INJURY LIABILITY

          The
company will pay on behalf of the insured all
sums which the insured shall
become legally obligated to pay as damages because
of injury (herein called “personal injury”) sustained
by any person or organization and arising out of one or more of the following
offenses committed in the conduct of the named
insured’s business:

	
  

 	
  

 	
  

 
	
  

 	
 Group
 A—

 	
 false
 arrest, detention or imprisonment, or malicious prosecution;

 
	
  

 	
  

 	
  

 
	
  

 	
 Group
 B—

 	
 the
 publication or utterance of a libel or slander or of other defamatory or
 disparaging material, or a publication or utterance in violation of an
 individual’s right of privacy; except publications or utterances in the
 course of or related to advertising, broadcasting or telecasting activities
 conducted by or on behalf of the named
 insured;

 
	
  

 	
  

 	
  

 
	
  

 	
 Group
 C—

 	
 wrongful
 entry or eviction, or other invasion of the right of private occupancy;

 

if
such offense is committed during the policy period within the United States of
America, its territories or possessions, or Canada, and the company shall have
the right and duty to defend any suit against the insured seeking damages on
account of such personal injury even
if any of the allegations of the suit are groundless, false or fraudulent, and
may make such investigation and settlement of any claim or suit as it deems
expedient, but the company shall not be obligated to pay any claim or judgment
or to defend any suit after the applicable limit of the company’s liability has
been exhausted by payment of judgments or settlements.

Exclusions

	
  

 	
  

 
	
  

 	
 This
 insurance does not apply:

 
	
  

 	
  

 
	
 (a)

 	
 to
 liability assumed by the insured under
 any contract or agreement;

 
	
  

 	
  

 
	
 (b)

 	
 to personal injury arising out of the wilful
 violation of a penal statute or ordinance committed by or with the knowledge
 or consent of any insured;

 

 Liab. 6688A

	
  

 	
  

 
	
 (c)

 	
 to
 personal injury sustained by any person as a result of an
 offense directly or indirectly related to the employment of such person by
 the named insured;

 
	
  

 	
  

 
	
 (d)

 	
 to personal injury arising out of any
 publication or utterance described in Group B, if the first injurious
 publication or utterance of the same or similar material by or on behalf of
 the named insured was made prior
 to the effective date of this insurance.

 
	
  

 	
  

 
	
 (e)

 	
 to
 personal injury arising out of a publication or utterance
 described in Group B concerning any organization or business enterprise, or
 its products or services, made by or at the direction of any insured with knowledge of the falsity
 thereof.

 

II.
PERSONS INSURED

	
  

 	
  

 
	
  

 	
 Each of the following
 is an insured under this
 insurance to the extent set forth below:

 
	
  

 	
  

 
	
 (a)

 	
 if the named insured is designated in the
 declarations as an individual, the person so designated;

 
	
  

 	
  

 
	
 (b)

 	
 if the
 named insured is designated in the declarations as a
 partnership or joint venture, the partnership or joint venture so designated
 and any partner or member thereof but only with respect to his liability as
 such;

 
	
  

 	
  

 
	
 (c)

 	
 if the named insured is designated in the
 declarations as other than an individual, partnership or joint venture, the
 organization so designated and any executive officer, director or stockholder
 thereof while acting within the scope of his duties as such.

 

          This
insurance does not apply to personal injury arising
out of the conduct of any partnership or joint venture of which the insured is a partner or member and which is
not designated in this policy as a named
insured.

III.
LIMITS OF LIABILITY—INSURED’S PARTICIPATION

          Regardless
of the number of (1) insureds under
this policy, (2) persons or organizations who sustain personal injury, or (3) claims made or
suits brought on account of personal injury, the
total liability of the company for all damages
because of all personal injury to
which this coverage applies, sustained by any one person or organization, shall
not exceed the limit of personal injury liability
stated in the schedule as “each person aggregate”.

          Subject
to the above provision respecting “each person aggregate”, the total limit of
the company’s liability under this coverage for all damages shall not exceed the limit of personal injury liability stated in the
schedule as “general aggregate”.

          If
a participation percentage is stated in the schedule for the insured, the company shall not be liable
for a greater proportion of any loss than the difference between such
percentage and one hundred percent and the balance of the loss shall be borne
by the insured; provided, the
company may pay the insured’s portion
of a loss to effect settlement of the loss, and, upon notification of the
action taken, the named insured shall promptly reimburse the company therefor. 

          The
limits of the company’s liability shall apply separately to each consecutive
annual period comprising the policy period.

IV.
AMENDED DEFINITION

          When
used in reference to this insurance:

“damages”
means only those damages which are payable because of personal injury arising out of an offense
to which this insurance applies.

V.
ADDITIONAL CONDITION

          The
following provisions of Part VI apply to the insurance afforded under this
endorsement; Supplementary Payments; Definitions, other than the definition of
damages; Conditons; Nuclear Energy
Liability Exclusion.

	
  

 	
  

 
	
  

 	
 Endorsement No. CBP 6009E 

 
	
  

 	
 Policy No. CBP    94227    

 

CONTRACTUAL LIABILITY INSURANCE

 (Blanket Coverage)

          This
endorsement forms part of Part VI of the above numbered policy.

SCHEDULE

          The
insurance afforded for contractual liability is
only with respect to such of the following coverages as are indicated by
specific limits of liability. The limit of the company’s liability against each
such coverage shall be as stated herein, subject to all the terms of this
policy having reference thereto.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Coverages

 	
  

 	
 Limits of Liability

 
	
 Contractual Bodily Injury Liability

 	
  

 	
 $

 	
 100,000.00
 

 	
   each person

 
	
  

 	
  

 	
 $

 	
 300,000.00

 	
   each
 occurrence

 
	
 Contractual
 Property Damage Liability

 	
  

 	
 $

 	
 100,000.00

 	
   each
 occurrence 

 
	
  

 	
  

 	
 $

 	
 100,000.00
 

 	
   aggregate

 
	
  

 
	
 Designation of Contracts

 	
  

 	
 Premium Bases

 	
  

 	
 Code

 
	
  

 	
  

 	
  

 
	
 ANY
 CONSTRUCTION AGREEMENT

 ANY PURCHASE ORDER AGREEMENT

 ANY SERVICE AND INSTALLATION AGREEMENT

 	
  

 	
 Cost

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 BASES TO BE DETERMINED 

 

          The
following exclusions do not apply with respect to any “construction agreement”:

          The
company, in consideration of the payment of the premium and subject to all of
the provisions of Part VI of the policy not expressly modified herein, agrees
with the named insured as follows:

I.
COVERAGES—CONTRACTUAL BODILY INJURY LIABILITY

CONTRACTUAL PROPERTY DAMAGE LIABILITY

          The
company will pay on behalf of the insured all
sums which the insured, by reason of contractual
liability assumed by him under any written contract of the type
designated in the schedule for this insurance, shall become legally obligated
to pay as damages because of 

bodily injury or 

property damage

to which this insurance
applies, caused by an occurrence, and
the company shall have the right and duty to defend any suit against the insured seeking damages on
account of such bodily injury or property
damage, even if any of the allegations of the suit are groundless, false or fraudulent,
and may make such investigation and settlement of any claim or suit as it deems expedient, but the company
shall not be obligated to pay any claim or judgment or to defend

	
  

 	
  

 
	
 (1)

 	
 any arbitration
 proceeding wherein the company is not entitled to exercise the insured’s rights in the choice of
 arbitrators and in the conduct of such proceedings, or

 
	
  

 	
  

 
	
 (2)

 	
 any suit after the applicable limit of the
 company’s liability has been exhausted by payment of judgments or
 settlements.

 
	
  

 	
  

 
	
 Exclusions

 
	
  

 	
  

 
	
  

 	
 This insurance does not
 apply:

 
	
  

 	
  

 
	
 (a)

 	
 to liability assumed by
 the insured under any incidental contract;

 

Pac. Liab. 3328A

CLI-1

	
  

 	
  

 	
  

 	
  

 
	
 (b)

 	
 (1)

 	
 if the
 Insured is an architect,
 engineer or surveyor, to bodily injury or
 property damage arising out of professional services performed by
 such insured, including

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (i)

 	
 the preparation or
 approval of maps, drawings, opinions, reports, surveys, change orders,
 designs or specifications, and

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 supervisory, inspection
 or engineering services;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 if the indemnitee of
 the insured is an architect,
 engineer or surveyor, to the liability of the indemnitee, his agents or
 employees, arising out of

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (i)

 	
 the preparation or
 approval of maps, drawings, opinions, reports, surveys, change orders,
 designs or specifications, or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 the giving of or the
 failure to give directions or instructions by the indemnitee, his agents or
 employees, provided such giving or failure to give is the primary cause of
 the bodily injury or property damage;

 
	
  

 	
  

 	
  

 	
  

 
	
 (c)

 	
 to bodily injury or property damage due to
 war, whether or not declared, civil war, insurrection, rebellion or
 revolution or to any act or condition incident to any of the foregoing;

 
	
  

 	
  

 	
  

 	
  

 
	
 (d)

 	
 to bodily injury or property damage for
 which the indemnitee may be held liable, as a person or organization engaged
 in the business of manufacturing, distributing, selling or serving alcoholic
 beverages or as an owner or lessor of premises used for such purposes, by
 reason of the selling, serving or giving of any alcoholic beverage (1) in
 violation of any statute, ordinance or regulation, (2) to a minor, (3) to a
 person under the influence of alcohol, or (4) which causes or contributes to
 the intoxication of any person;

 
	
  

 	
  

 	
  

 	
  

 
	
 (e)

 	
 to any obligation for
 which the insured or any carrier
 as his insurer may be held liable under any workmen’s compensation,
 unemployment compensation or disability benefits law, or under any similar
 law;

 
	
  

 	
  

 	
  

 	
  

 
	
 (f)

 	
 to
 property damage to

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 property owned or
occupied by or rented to the insured, 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 property used by the
insured, or 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 property in the care,
 custody or control of the insured or
 as to which the insured is for
 any purpose exercising physical control;

 
	
  

 	
  

 	
  

 	
  

 
	
 (g)

 	
 to any obligation for
 which the insured may be held
 liable in an action on a contract by a third party beneficiary for bodily injury or property damage arising
 out of a project for a public authority; but this exclusion does not apply to
 an action by the public authority or any other person or organization engaged
 in the project;

 
	
  

 	
  

 	
  

 	
  

 
	
 (h)

 	
 to property damage to premises alienated by
 the named insured arising out of
 such premises or any part thereof;

 
	
  

 	
  

 	
  

 	
  

 
	
 (i)

 	
 to
 bodily injury or property damage resulting from the failure
 of the named insured’s products or
 work completed by or for the named insured to
 perform the function or serve the purpose intended by the named insured, if such failure is due to
 a mistake or deficiency in any design, formula, plan, specifications, advertising
 material or printed instructions prepared or developed by any insured; but
 this exclusion does not apply to bodily
 injury, or property damage resulting from the active
 malfunctioning of such products or work;

 
	
  

 	
  

 	
  

 	
  

 
	
 (j)

 	
 to property damage to the named insured’s products arising out of
 such products or any part of such products;

 
	
  

 	
  

 	
  

 	
  

 
	
 (k)

 	
 to property damage to work performed by or
 on behalf of the named insured arising
 out of the work or any portion thereof, or out of materials, parts or
 equipment furnished in connection therewith;

 
	
  

 	
  

 
	
 (1)

 	
 to damages claimed for the withdrawal,
 inspection, repair, replacement, or loss of use of the named insured’s products or work
 completed by or for the named insured or
 of any property which such products of work form a part, if such products,
 work or property are withdrawn from the market or from use because of any
 known or suspected defect or deficiency therein;

 

          Unless
stated in the schedule above as not applicable, the following exclusions also
apply to contractual liability assumed
by the insured under any agreement
relating to construction operations.

          This
insurance does not apply:

	
  

 	
  

 
	
 (m)

 	
 to bodily injury or property damage arising
 out of construction, maintenance or repair of watercraft or loading or
 unloading thereof;

 
	
  

 	
  

 
	
 (n)

 	
 to bodily injury or property damage arising
 out of operations, within fifty feet of any railroad property, affecting any
 railroad bridge or trestle, tracks, road beds, tunnel, underpass or crossing.

 

CLI-2

II.
PERSONS INSURED

	
  

 	
  

 
	
  

 	
 Each of the following
 is an insured under this
 insurance to the extent set forth below:

 
	
  

 	
  

 
	
 (a)

 	
 if the named insured is designated in the
 declarations of Part VI as an individual, the person so designated;

 
	
  

 	
  

 
	
 (b)

 	
 if the named insured is designated in the
 declarations of Part VI as a partnership or joint venture, the partnership or
 joint venture so designated and any partner or member thereof but only with
 respect to his liability as such;

 
	
  

 	
  

 
	
 (c)

 	
 if the named insured is designated in the
 declarations of Part VI as other than an individual, partnership or joint
 venture, the organization so designated and any executive officer, director
 or stockholder thereof while acting within the scope of his duties as such.

 

III.
LIMITS OF LIABILITY

          Regardless
of the number of (1) insureds under
this policy, (2) persons or organizations who sustain bodily injury or property damage, or (3)
claims made or suit brought on account of bodily
injury or property damage, the company’s liability is limited as follows:

Contractual
Bodily Injury Liability: The limit of bodily injury liability stated in the
schedule as applicable to “each person” is the limit of the company’s liability
for all damages because of bodily injury sustained by one person as the
result of any one occurrence; but
subject to the above provision respecting “each person”, the total liability of
the company for all damages because
of bodily injury sustained by two
or more persons as the result of any one occurrence
shall not exceed the limit of bodily
injury liability stated in the schedule as applicable to “each occurrence”.

Contractual
Property Damage Liability: The total liability of the company
for all damages because of all property
damage sustained by one or more persons or organizations as the
result of any one occurrence shall
not exceed the limit of property damage liability
stated in the schedule as applicable to “each occurrence”.

          Subject
to the above provision respecting “each occurrence”, the total liability of the
company for all damages because of
all property damage to which this
coverage applies shall not exceed the limit of property damage liability stated in the schedule as
“aggregate”. Such aggregate limit of liability applies separately with respect
to each project away from premises owned by or rented to the named insured. 

Contractual
Bodily Injury and Property Damage Liability: For the purpose
of determining the limit of the company’s liability, all bodily injury and property damage arising
out of continuous or repeated exposure to substantially the same general
conditions shall be considered as arising out of one occurrence.

          The
limits of the company’s liability shall apply separately to each consecutive
annual period comprising the policy period.

IV.
ENDORSEMENT PERIOD; TERRITORY

          This
insurance applies only to bodily injury or
property damage which occurs during the endorsement period within
the policy territory.

V.
ADDITIONAL DEFINITIONS

          When
used in reference to this insurance (including endorsements forming a part of
Part VI of the policy):

          “Contractual
liability” means liability expressly assumed under a written
contract or agreement; provided, however, that contractual liability shall not be construed as including
liability under a warranty of the fitness or quality of the named insured’s products or a warranty that
work performed by or on behalf of the named
insured will be done in a workmanlike manner;

          “Suit”
includes an arbitration proceeding to which the insured is required to submit or to which
the insured has submitted with the
company’s consent.

CLI-3

VI.
ADDITIONAL CONDITIONS

	
  

 	
  

 
	
 1.

 	
 Arbitration: The
company shall be entitled to exercise all of the insured’s rights in the
choice of arbitrators and in the conduct of any arbitration proceeding. 

 
	
  

 	
  

 
	
 2.

 	
 Premium: When used as a
premium basis, the word “cost” means the total cost of all work in connection
with all contracts of the type designated in the schedule for this insurance
with respect to which “cost” is the basis of premium, regardless of whether
any liability is assumed under such contracts by the insured. It includes the
cost of all labor, materials and equipment furnished, used or delivered for
use in the execution of such work, whether furnished by the insured, or
others including all fees, allowances, bonuses or commissions made, paid or
due. It shall not include the cost of any operations to which exclusions (m)
or (n) apply, unless such exclusions are voided in the schedule.  

 
	
  

 	
  

 
	
  

 	
           The
provisional premium for this policy includes an estimated premium on account
of such written contracts as are on file with or known to the company. The
named insured shall notify the company of all other written contracts entered
into during the policy period to which this insurance applies. 

 
	
  

 	
  

 
	
 3.

 	
 The following
 provisions of Part VI apply to the insurance afforded by this endorsement:
 Supplementary Payments; Definitions; Conditions; Nuclear Energy Exclusion
 Endorsement.

 

CLI-4

	
  

 	
  

 
	
 EFFECTIVE JANUARY 1, 1972

 	
 POLICY NO. CBP 94227

 
	
 REPLACING CBP 634F

 	
  

 

Endorsement No. CPB 6024

BROAD FORM PROPERTY DAMAGE COVERAGE—PART VI

 (Including
Completed Operations)

This endorsement forms part of Part VI
and modifies such insurance as is afforded by the provisions of Part VI of the
policy relating to the following:

COMPREHENSIVE
GENERAL LIABILITY INSURANCE

CONTRACTUAL LIABILITY INSURANCE

It
is agreed that the insurance for property
damage liability applies, subject to the following additional provisions:

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 A.

 	
 The exclusions relating to property damage to (1) property owned,
occupied or used by or rented to the insured
or in the care, custody or control of the insured or as to which the insured is for
any purpose exercising physical control and (2) work performed by or on
behalf of the named insured arising
out of the work or any portion thereof, or out of materials, parts or
equipment furnished in connection therewith, are replaced by the following
exclusions (y) and (z): 

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (y)

 	
 to property damage

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 to property owned or occupied by or
 rented to the insured, or,
 except with respect to the use of elevators, to property held by the insured for sale or entrusted to the insured for storage or safekeeping,

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 except with respect to liability
 under a written sidetrack agreement or the use of elevators to

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (a)

 	
 property while on premises owned by
 or rented to the insured for the
 purpose of having operations performed on such property by or on behalf of
 the insured,

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (b)

 	
 tools or equipment while being used
 by the insured in performing his
 operations,

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (c)

 	
 property in the custody of the insured which is to be installed, erected
 or used in construction by the insured,

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (d)

 	
 that particular part of any property,
 not on premises owned by or rented to the insured,

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 (i)

 	
 upon which operations are being
performed by or on behalf of the insured at the time of the property damage arising out of such
operations, or 

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 (ii)

 	
 out of which any property damage arises, or

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 (iii)

 	
 the restoration, repair or
 replacement of which has been made or is necessary by reason of faulty
 workmanship thereon by or on behalf of the insured;

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (z)

 	
 with respect to the completed operations hazard, to property damage to work performed by the named insured arising out of the work or
 any portion thereof, or out of materials, parts or equipment furnished in
 connection therewith.

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 B.

 	
 The insurance afforded by this
 endorsement shall be excess insurance over any valid and collectible property
 insurance (including any deductible portion thereof) available to the insured, such as but not limited to Fire
 and Extended Coverage, Builder’s Risk Coverage or Installation Risk Coverage,
 and the “Other Insurance” Condition is amended accordingly.

 
							

 Liab. 7104

	
  

 	
  

 
	
 EFFECTIVE JANUARY 1, 1972

 	
 POLICY NO. CBP 94227

 

Endorsement No. CBP 6036

EXCLUSION

 (Contamination
or Pollution)

          This
endorsement forms part of Part VI of the policy and modifies such insurance as
is afforded by the provisions of Part VI of the policy relating to the
following:

Comprehensive
General Liability Insurance

Contractual Liability Insurance

Storekeeper’s Insurance

          It
is agreed that the insurance does not apply to bodily injury or property damage arising out of the discharge,
dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis,
toxic chemicals, liquids or gases, waste materials or other irritants,
contaminants or pollutants into or upon land, the atmosphere or any watercourse
or body of water; but this exclusion does not apply if such discharge,
dispersal, release or escape is sudden and accidental.

Liab. 7287
G335

	
  

 	
  

 
	
  

 	
 SPECIAL ENDORSEMENT A 

 
	
  

 	
 POLICY NO: CBP 94227

 

ADDITIONAL INSURED
- PART VI

IT IS AGREED THAT SUCH INSURANCE AS IS AFFORDED BY
PART VI OF THE POLICY APPLIES TO THE ORGANIZATIONS NAMED BELOW:

	
  

 	
  

 
	
 1.

 	
 THE BUNKER HILL
 COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP AND OPERATION OF THE STAR MINE.

 
	
  

 	
  

 
	
 2.

 	
 AMERICAN SMELTING AND
 REFINING COMPANY, BUT ONLY AS RESPECTS THE CONSOLIDATED SILVER (CONSIL)
 PROJECT.

 
	
  

 	
  

 
	
 3.

 	
 NEW PARK MINING
 COMPANY, BUT ONLY AS RESPECTS THE OWNERSHIP AND OPERATION OF THE MAYFLOWER
 MINE.

 
	
  

 	
  

 
	
 4.

 	
 RUBY HILL MINING
 COMPANY.

 
	
  

 	
  

 
	
 5.

 	
 NEWMONT MINING COMPANY.

 
	
  

 	
  

 
	
 6.

 	
 SILVER EUREKA
 CORPORATION.

 
	
  

 	
  

 
	
 7.

 	
 CYPRESS EXPLORATION
 CORPORATION.

 
	
  

 	
  

 
	
 8.

 	
 RICHMOND-EUREKA MINING
 COMPANY.

 
	
  

 	
  

 
	
 9.

 	
 EL PASO NATURAL GAS
 COMPANY, BUT ONLY AS RESPECTS THE LAKESHORE PROJECT, PINAL COUNTY, ARIZONA.

 
	
  

 	
  

 
	
 10.

 	
 PAPAGO INDIAN TRIBE,
 BUT ONLY AS RESPECTS THE LAKESHORE PROJECT, PINAL COUNTY, ARIZONA.

 

THE INTEREST OF ADDITIONAL INSURED 4, 5, 6, 7 AND 8
APPLY ONLY AS RESPECT THE OWNERSHIP AND OPERATION OF THE RUBY HILL MINE AND/OR
THE RUBY HILL PROJECT.

 [ILLEGIBLE]

	
  

 	
  

 
	
  

 	
 SPECIAL ENDORSEMENT B 

 
	
  

 	
 POLICY NO. CBP 94227

 

ADDITIONAL INSURING AGREEMENT - PART VI

IT IS HEREBY AGREED THAT “INSURING AGREEMENT I” OF THE
PERSONAL INJURY LIABILITY COVERAGE ENDORSEMENT IS AMENDED BY THE INCLUSION
THEREIN OF THE FOLLOWING:

	
  

 	
  

 
	
 HAZARD D

 	
 DISCRIMINATION (OTHER THAN UNFAIR TRADE PRACTICES),
 WHERE INSURANCE IN CONNECTION THEREWITH IS NOT PROHIBITED OR HELD VIOLATIVE
 OF LAW OR PUBLIC POLICY BY LEGISLATION, COURT DECISION OR ADMINISTRATIVE
 RULING.

 

 [ILLEGIBLE]

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 A STOCK
 COMPANY

 	
    Policy
 No.

 
	
 Policy

 	
 THE
 CONTINENTAL

 	
  

 	
  

 	
    L1
 28 53 18

 
	
 Issued By

 	
 INSURANCE COMPANY

 	
 1

 	
  

 	
  

 
	
  

 	
 NEW YORK, N.Y.

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 Renewal of:

 
	
 Producer’s

 	
 . Fred S. James & Co. of Wash. Inc.

 	
 46 810 446

 	
  

 	
  

 
	
 Name

 	
 . P.O. Box 2151

 	
 ◄ Producer’s

 	
    NEW

 
	
 and

 	
 . Spokane, Washington 99210

 	
  

 	
 Code

 	
  

 
	
 [ILLEGIBLE]

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 
	
 Named

 	
  

 	
 The named
 insured is:

 
	
 Insured

 	
 . Hecla Mining Company

 	
 Individual o;
 Partnership o; Corporation o;

 
	
 and Address

 	
 . P.O. BOX 320

 	
 Joint Venture
 o;

 
	
 Number and

 	
 . Wallace, Idaho 83800

 	
 Other
 (specify)

 
	
 Street, Town or

 	
  

 	
  

 
	
 City, County

 	
  

 	
 Business of
 the named insured is:

 
	
 and State)

 	
  

 	
  

 

	
  

 	
  

 
	
 Item 2.

 	
  

 
	
 Policy

 Period:

 	
 From
 12:01A.M., Feb. 15, 1978 to Feb. 15, 1979

 
	
  

 	
        (Hour
 and Minute)

 
	
  

 	
 12:01 A.M.,
 standard time at the address of the named insured as stated herein.

 
	
  

 	
  

 
	
 Audit

 Period:

 	
 Annual, unless
 otherwise stated.

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Audit Required

 	
  

 
	
  

 	
  x Yes   

 	
 o No

 	
  

 

LIABILITY INSURANCE POLICY – SECTION TWO
– DECLARATIONS 

(For Automobile Insurance or General Liability Insurance separately or
combined)

	
  

 	
  

 
	
 Item 3.

 	
 The
 insurance afforded is only
 with respect to such of the following Coverage Parts as are indicated by specific
 premium charge or charges.

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Coverage Parts

 	
  

 	
 Advance

 Premiums

 	
  

 
	
 Basic
 Automobile Liability Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Comprehensive
 Automobile Liability Insurance

 	
  

 	
 $

 	
 6,496

 	
  

 
	
 Automobile
 Medical Payments Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Garage
 Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Uninsured Motorists Insurance

 	
  

 	
 $

 	
 112

 	
  

 
	
 Automobile
 Physical Damage Insurance

 	
  

 	
 $

 	
 457

 	
  

 
	
 Automobile
 Physical Damage Insurance (Dealers)

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
 Comprehensive
 General Liability Insurance

 	
  

 	
 $

 	
 47,307

 	
  

 
	
 Owners’,
 Landlords’ and Tenants’ Liability Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Manufacturers’
 and Contractors’ Liability Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Comprehensive
 Personal Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Farmer’s
 Comprehensive Personal Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Contractual
 Liability Insurance

 	
  

 	
 $

 	
 65

 	
  

 
	
 Premises
 Medical Payments Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Owners’ and
 Contractors’ Protective Liability Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Personal
 Injury Liability Insurance

 	
  

 	
 $

 	
 2,186 

 	
  

 
	
 

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
 $

 	
  

 	
  

 
	
  

 	
 $

 	
  

 	
  

 
	
  

 	
 $

 	
  

 	
  

 
	
  

 	
 $

 	
  

 	
  

 
	
 Total
 Advance Premium for this policy

 	
  

 	
 $

 	
 56,623

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Form numbers
 of endorsements forming a part of the policy on its effective date: 6680 7104 6688

 
	
 7165 7251
 0001 604 610 0010 0025 0037 0030 8186 7240

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Premium is
 payable: On effective date of policy

 	
  

 	
 $

 	
 56,623

 	
  

 	
 ;  

 	
 1st Anniversary

 	
  $                

 	
 ;

 	
   2nd Anniversary 

 	
 $

 

This declarations page shall not be binding on the company unless countersigned
by a duly authorized representative of the company, and attached, [ILLEGIBLE] issued, to Section One of
the company’s Liability Insurance Policy, and completed by one or more Coverage Parts for which there is an advance [ILLEGIBLE] indicated on this page.

	
  

 	
  

 	
  

 
	
  

 	
 Countersigned
 by

 	
 

 
	
  

 	
  

 
	
 LIAB 6625C

 	
  

 

	
  

 	
  

 
	
 SCHEDULE

 The insurance afforded is only with respect [ILLEGIBLE]
 each of the following coverages as are indicated [ILLEGIBLE]
 premium charge or charges. The limit of the company’s liability
 against each such [ILLEGIBLE] shall be as stated herein, subject to all
 [ILLEGIBLE] of this policy having reference thereto.

 
	
  

 
	
 COVERAGES AND LIMITS OF LIABILITY

 
	
  

 	
  

 
	
 Coverage A
Bodily Injury Liability

 	
 Coverage B
Property Damage Liability

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 each occurrence

 	
  

 	
  

 	
 aggregate

 	
  

 	
  

 	
 each occurrence

 	
  

 	
  

 	
 aggregate

 	
  

 
	
 $

 	
 500,000

 	
  

 	
 $

 	
 500,000

 	
  

 	
 $

 	
 500,000

 	
  

 	
 $

 	
 500,000

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Advance
 Premium

 	
 $

 	
 14,663

 	
  

 	
 Advance
 Premium

 	
 $

 	
 32,644

 
	
 Total Advance Premium

 	
 $

 	
 47,307

 	
  

 	
  

 	
  

 	
  

 

GENERAL LIABILITY HAZARDS

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 Rates

 	
  

 	
 Advance Premium

 	
  

 
	
 Description of Hazards

 	
  

 	
 Code No.

 	
  

 	
 Premium Bases

 	
  

 	
 Bodily Injury 

 Liability

 	
  

 	
 Property Damage 

 Liability

 	
  

 	
 Bodily Injury 

 Liability

 	
  

 	
 Property Damage 

 Liability

 	
  

 
	
 (a) Premises—Operations

 	
  

 	
  

 	
  

 	
 (a) Area (sq.ft.)

 	
  

 	
 (a) Per 100sq.ft.
 of Area

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (b) Remuneration

 	
  

 	
 (b) Per $100 of
 Remuneration

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (c)

 	
  

 	
 (c)

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 As per Form 7240
 attached

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 14,583

 	
  

 	
 32,553

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (b) Escalators

 	
  

 	
  

 	
  

 	
 Number Insured

 	
  

 	
 Per Landing

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (c) Independent
 Contractors

 	
  

 	
  

 	
  

 	
 Cost

 	
  

 	
 Per $100 of Cost

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Construction operations-owner 

 (not railroads) excluding 

 operations on board ships

 	
  

 	
 16292

 	
  

 	
 TBD

 	
  

 	
 .0407

 	
  

 	
 .0276

 	
  

 	
 22mp

 	
  

 	
 19mp

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
(d) Completed Operations

 	
  

 	
  

 	
  

 	
 Receipts

 	
  

 	
 Per $1,000 of Receipts

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (e) Products

 	
  

 	
  

 	
  

 	
 Sales

 	
  

 	
 Per $1,000 of Sales

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Composition goods-not floor coverings

 	
  

 	
 26612

 	
  

 	
 TBD

 	
  

 	
 1.193

 	
  

 	
 .623

 	
  

 	
 58mp

 	
  

 	
 72mp

 	
  

 

GENERAL LIABILITY MINIMUM PREMIUMS

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Bodily Injury

 Liability

 	
  

 	
 Property Damage

 Liability

 	
  

 	
 Bodily Injury

 Liability

 	
  

 	
 Property Damage

 Liability

 	
  

 	
 Bodily Injury

 Liability

 	
  

 	
 Property Damage

 Liability

 
	
 (a) $

 	
 77

 	
  

 	
 $

 	
 25

 	
  

 	
 (c) $

 	
 22

 	
  

 	
 $

 	
 19

 	
  

 	
 (e) $

 	
 58

 	
  

 	
 $

 	
 72

 
	
 (b) $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 (d) $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 
	
 Locations of
 all premises owned by, rented to or controlled by the named insured. (Enter
 “same” if same location as address shown in Item 1. of declarations.)

 
	
  

 

Interest of
named insured in such premises. (Describe interest, such as “owner”, “general
lessee” or “tenant”.)____________

	
  

 
	
 Part
 occupied by named insured___________________________________________________________________________

 
	
  

 

The foregoing
discloses all hazards insured hereunder known to exist at the effective date of
this policy, unless otherwise stated herein.

When used as a premium basis:

	
  

 	
  

 	
  

 
	
  

 	
 1.

 	
 “admissions”
 means the total number of persons, other than employees of the named insured,
 admitted to the event insured or to events conducted on the premises whether
 on paid admission tickets, complimentary tickets or passes;

 
	
  

 	
  

 	
  

 
	
  

 	
 2.

 	
 “cost” means
 the total cost to the named insured with respect to operations performed for
 the named insured during the policy period by independent contractors of
 all work let or sub-let in
 connection with each specific project, including the cost of all labor,
 materials and equipment furnished, used or delivered for use in the
 execution of such work, whether furnished by the owner, contractor or
 subcontractor, including all fees, allowances, bonuses or commissions made,
 paid or due;

 
	
  

 	
  

 	
  

 
	
  

 	
 3.

 	
 “receipts”
 means the gross amount of money charged by the named insured for such
 operations by the named insured or by others during the policy period as are
 rated on the receipts basis other than receipts from telecasting;
 broadcasting or motion pictures, and includes taxes, other than taxes which
 the named insured collects as a separate item and remits directly to a
 governmental division;

 
	
  

 	
  

 	
  

 
	
  

 	
 4.

 	
 “remuneration”
 means the entire remuneration earned during the policy period by proprietors
 and by all employees of the named insured, other than chaufleurs (except
 operators of mobile equipment) and aircraft pilots and co-pilots, subject to
 any overtime earnings or limitation of remuneration rule applicable in
 accordance with the manuals in use by the company;

 
	
  

 	
  

 	
  

 
	
  

 	
 5.

 	
 “sales”
 means the gross amount of money charged by the named insured or by others
 trading under his name for all goods and products sold or distributed during
 the policy period and charged during the policy period for installation,
 servicing or repair, and includes taxes, other than taxes which the named
 insured and such others collect as a separate item and remit directly to a
 governmental division.

 

	
  

 	
  

 
	
 Policy
 Issued By  __________________________________________________

 	
 Policy
 No.  _________________________

 
	
  

 	
  

 
	
 Named
 Insured  _______________________________________________________________________________________

 

	
  

 	
  

 
	
  

 	
 This
 Coverage Part shall not be binding upon the company unless attached to
 Sections One and Two of the company’s Liability Insurance Policy.

 

	
  

 	
  

 
	
 LIAB. 66808

 	
 PRINTED IN U.S.A

 

COMPREHENSIVE
GENERAL LIABILITY INSURANCE

	
  

 	
  

 
	
 I.

 	
 COVERAGE A—BODILY INJURY LIABILITY

 
	
  

 	
 COVERAGE B—PROPERTY DAMAGE
 LIABILITY

 

          The
company will pay on behalf of the insured all sums which the insured shall
become legally obligated to pay as damages because of

	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 bodily injury or

 
	
  

 	
 B.

 	
 property damage

 

to which this insurance applies, caused by an
occurrence, and the company shall have the right and duty to defend any suit against the insured
seeking damages on account of such bodily injury or property damage, even if
any of the allegations of the suit are groundless, false or fraudulent, and may make such
investigation and settlement of any claim or suit as it deems expedient, but
the company shall not be obligated to pay any claim or judgment or to defend
any suit after the applicable limit of the company’s liability has been
exhausted by payment of judgments or settlements. 

Exclusions 

	
  

 	
  

 	
  

 	
  

 
	
      This
 insurance does not apply:

 
	
  

 	
  

 	
  

 	
  

 
	
 (a)

 	
 to
 liability assumed by the insured under any contract or agreement except an
 incidental contract, but this exclusion does not apply to a warranty of
 fitness or quality of the named insured’s products or a warranty that work
 performed by or on behalf of the named insured will be done in a workmanlike
 manner;

 
	
  

 	
  

 	
  

 	
  

 
	
 (b)

 	
 to
 bodily injury or property damage arising out of the ownership, maintenance,
 operation, use, loading or unloading of

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 any
 automobile or aircraft owned or operated by or rented or loaned to any
 insured, or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 any
 other automobile or aircraft operated by any person in the course of his
 employment by any insured;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 but
 this exclusion does not apply to the parking of an automobile on premises
 owned by, rented to or controlled by the named insured or the ways
 immediately adjoining, if such automobile is not owned by or rented or loaned
 to any insured;

 
	
  

 	
  

 	
  

 	
  

 
	
 (c)

 	
 to
 bodily injury or property damage arising out of (1) the ownership,
 maintenance, operation, use, loading or unloading of any mobile equipment
 while being used in any prearranged or organized racing, speed or demolition
 contest or in any stunting activity or in practice or preparation for any
 such contest or activity or (2) the operation or use of any snowmobile or
 trailer designed for use therewith;

 
	
  

 	
  

 	
  

 	
  

 
	
 (d)

 	
 to
 bodily injury or property damage arising out of and in the course of the
 transportation of mobile equipment by an automobile owned or operated by or
 rented or loaned to any insured;

 
	
  

 	
  

 	
  

 	
  

 
	
 (e)

 	
 to
 bodily injury or property damage arising out of the ownership, maintenance,
 operation, use, loading or unloading of

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 any
 watercraft owned or operated by or rented or loaned to any insured, or 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 any
 other watercraft operated by any person in the course of his employment by
 any insured;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 but
 this exclusion does not apply to watercraft while ashore on premises owned
 by, rented to or controlled by the named insured;

 
	
  

 	
  

 	
  

 	
  

 
	
 (f)

 	
 to
 bodily injury or property damage arising out of the discharge, dispersal,
 release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic
 chemicals, liquids or gases, waste materials or other irritants, contaminants
 or pollutants into or upon land, the atmosphere or any water course or body
 of water; but this exclusion does not apply if such discharge, dispersal,
 release or escape is sudden and accidental; 

 
	
  

 	
  

 	
  

 	
  

 
	
 (g)

 	
 to bodily injury or property
 damage due to war, whether or not declared, civil war, insurrection,
 rebellion or revolution or to any act or condition incident to any of the
 foregoing, with respect to 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 liability
 assumed by the insured under an incidental contract or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 expenses
 for first aid under the Supplementary Payments provision;

 
	
  

 	
  

 	
  

 	
  

 
	
 (h)

 	
 to
 bodily injury or property damage for which the insured or his indemnitee may
 be held liable

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 as
 a person or organization engaged in the business of manufacturing,
 distributing, selling or serving alcoholic beverages, or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 if
 not so engaged, as an owner or lessor of premises used for such purposes, if
 such liability is imposed

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (i)

 	
 by,
 or because of the violation of, any statute, ordinance or regulation pertaining
 to the sale, gift, distribution or use of any alcoholic beverage, or 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
 by
 reason of the selling, serving or giving of any alcoholic beverage to a minor
 or to a person under the influence of alcohol or which causes or contributes
 to the intoxication of any person;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 but
 part (ii) of this exclusion does not apply with respect to liability of the
 insured or his indemnitee as an owner or lessor described in (2) above;

 
	
  

 	
  

 	
  

 	
  

 
	
 (i)

 	
 to
 any obligation for which the insured or any carrier as his insurer may be
 held liable under any workmen’s compensation, unemployment compensation or
 disability benefits law, or under any similar law;

 
	
  

 	
  

 	
  

 	
  

 
	
 (j)

 	
 to
 bodily injury to any employee of the insured arising out of and in the course
 of his employment by the insured or to any obligation of the insured to
 indemnity another because of damages arising out of such injury; but this
 exclusion does not apply to liability assumed by the insured under an
 incidental contract; 

 
	
  

 	
  

 	
  

 	
  

 
	
 (k)

 	
 to property damage to

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 property
 owned or occupied by or rented to the insured,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 property
 used by the insured, or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 property
 in the care, custody or control of the insured or as to which the insured is
 for any purpose exercising physical control;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 but
 parts (2) and (3) of this exclusion do not apply with respect to liability
 under a written sidetrack agreement and part (3) of this exclusion does not
 apply with respect to property damage (other than to elevators) arising out
 of the use of an elevator at premises owned by, rented to or controlled by
 the named insured;

 
	
  

 	
  

 	
  

 	
  

 
	
 (l)

 	
 to
 property damage to premises alienated by the named insured arising out of
 such premises or any part thereof;

 
	
  

 	
  

 	
  

 	
  

 
	
 (m)

 	
 to
 loss of use of tangible property which has not been physically injured or destroyed
 resulting from

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 a
 delay in or lack of performance by or on behalf of the named insured of any
 contract or agreement, or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 the
 failure of the named insured’s products or work performed by or on behalf of
 the named insured to meet the level of performance, quality, fitness or durability
 warranted or represented by the named insured;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 but
 this exclusion does not apply to loss of use of other tangible property
 resulting from the sudden and accidental physical injury to or destruction of
 the named insured’s products or work performed by or on behalf of the named
 insured after such products or work have been put to use by any person or
 organization other than an insured;

 
	
  

 	
  

 	
  

 	
  

 
	
 (n)

 	
 to
 property damage to the named insured’s products arising out of such products
 or any part of such products;

 
	
  

 	
  

 	
  

 	
  

 
	
 (o)

 	
 to
 property damage to work performed by or on behalf of the named insured arising
 out of the work or any portion thereof, or out of materials, parts or
 equipment furnished in connection therewith;

 
	
  

 	
  

 	
  

 	
  

 
	
 (p)

 	
 to
 damages claimed for the withdrawal, inspection, repair, replacement, or loss
 of use of the named insured’s products or work completed by or for the named
 insured or of any property of which such products or work form a part, if
 such products, work or property are withdrawn from the market or from use
 because of any known or suspected defect or deficiency therein;

 

	
  

 	
  

 	
  

 
	
 II.

 	
 PERSONS INSURED

 
	
  

 	
  

 	
  

 
	
      Each
 of the following is an insured under this insurance to the extent set forth
 below: 

 
	
  

 	
  

 	
  

 
	
 (a)

 	
 if
 the named insured is designated in the declarations as an individual, the
 person so designated but only with respect to the conduct of a business of
 which he is the sole proprietor, and the spouse of the named insured with
 respect to the conduct of such a business;

 
	
  

 	
  

 	
  

 
	
 (b)

 	
 if
 the named insured is designated in the declarations as a partnership or joint
 venture, the partnership or joint
 venture so designated and any partner or member thereof but only with respect
 to his liability as such;

 
	
  

 	
  

 	
  

 
	
 (c)

 	
 if
 the named insured is designated in the declarations as other than an
 individual, partnership or joint venture, the organization so designated and
 any executive officer, director or stockholder thereof while acting within
 the scope of his duties as such; 

 
	
  

 	
  

 	
  

 
	
 (d)

 	
 any person (other than an employee of the
 named insured) or organization while acting as real estate manager for the
 named insured; and

 
	
  

 	
  

 	
  

 
	
 (e)

 	
 with
 respect to the operation, for the purpose of locomotion upon a public
 highway, of mobile equipment registered under any motor vehicle registration
 law, 

 
	
  

 	
  

 	
  

 
	
  

 	
 (i)

 	
 an
 employee of the named insured while operating any such equipment in the course
 of his employment, and

 
	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
 any
 other person while operating with the permission of the named insured any
 such equipment registered in the name of the named insured and any person or
 organization legally responsible for such operation, but only if there is no
 other valid and collectible insurance available, either on a primary or excess basis, to such
 person or organization;

 
	
  

 	
  

 	
  

 
	
  

 	
 provided
 that no person or organization shall be an insured under this paragraph (e)
 with respect to: 

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 bodily
 injury to any fellow employee of such person injured in the course of his
 employment, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 property
 damage to property owned by, rented to, in charge of or occupied by the
 named insured or the employer of any person described in subparagraph (ii).
 

 
	
  

 
	
 This insurance does not apply to bodily injury or property damage arising out
 of the conduct of any partnership or joint venture of which the insured is a
 partner or member and which is not designated in this policy as a named
 insured.;

 
	
  

 
	
 III.

 	
 LIMITS OF
 LIABILITY

 

     Regardless
of the number of (1) insureds under this policy, (2) persons or organizations
who sustain bodily injury or property damage, or (3) claims made or suits
brought on account of bodily injury or property damage, the company’s liability
is limited as follows:

     Coverage A—The total
liability of the company for all damages, including damages for care and loss
of services, because of bodily injury sustained by one or more persons as the
result of any one occurrence shall not exceed the limit of bodily injury
liability stated in the schedule as applicable to “each occurrence.”

     Subject
to the above provision respecting “each occurrence”, the total liability of the
company for all damages because of (1) all bodily injury included within
completed operations hazard and (2) all bodily injury included within the
products hazard shall not exceed the limit of bodily injury liability stated in
the schedule as “aggregate”.

     Coverage B—The total
liability of the company for all damages because of all property damage
sustained by one or more persons or organizations as the result of any one
occurrence shall not exceed the limit of property damage liability stated in
the schedule as applicable to “each occurrence”.

     Subject
to the above provision respecting “each occurrence”, the total liability of the
company for all damages because of all property damage to which this coverage
applies and described in any of the numbered subparagraphs below shall not
exceed the limit of property damage liability stated in the schedule as
“aggregate”;

	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 all
 property damage arising out of premises or operations rated on a remuneration basis or contractor’s equipment rated on a receipts basis, including
 property damage for which liability is assumed under any incidental
 contract relating to such premises or operations, but excluding property
 damage included in subparagraph (2) below;

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 all
 property damage arising out of and occurring in the course of operations
 performed for the named insured by independent contractors and general supervision thereof by the named insured, including any such property damage
 for which liability is assumed under any incidental contract relating to such
 operations, but this subparagraph (2) does not include property damage
 arising out of maintenance or repairs at premises owned by or rented to the
 named insured or structural alterations at such premises which do not involve
 changing the size of or moving buildings or other structures;

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 all
 property damage included within the products hazard and all property damage included within the completed operations hazard.

 

     Such
aggregate limit shall apply separately to the property damage described in
subparagraphs (1), (2) and (3) above, and under subparagraphs (1) and (2),
separately with respect to each project away from premises owned by or rented
to the named insured.

     Coverages A and B—For the purpose
of determining the limit of the company’s liability, all bodily injury and
property damage arising out of continuous or repeated exposure to substantially
the same general conditions shall be considered as arising out of one
occurrence.

IV.
POLICY TERRITORY

     This
insurance applies only to bodily injury or property damage which occurs within
the policy territory.

	
  

 	
  

 	
  

 
	
 LIAB.
 66808

 	
 OVER

 	
  

 

SCHEDULE EXTENDED

– GENERAL LIABILITY INSURANCE

Policy No. ______________________ Issued to
_____________________________________________________________

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 RATES

 	
  

 	
 ADVANCE PREMIUM

 	
  

 
	
 DESCRIPTION OF
 HAZARDS

 	
  

 	
 CODE

 NO.

 	
  

 	
 PREMIUM BASES

 	
  

 	
 BODILY INJURY

 LIABILITY

 	
  

 	
 PROPERTY DAMAGE

 LIABILITY

 	
  

 	
 BODILY INJURY

 LIABILITY

 	
  

 	
 PROPERTY DAMAGE

 LIABILITY

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 M&C
Mining NOC - Idaho

 	
  

 	
 12002

 	
  

 	
 b)

 	
 6,761,000

 	
  

 	
 .173

 	
  

 	
 .251

 	
  

 	
 11,697

 	
  

 	
 16,970

 	
  

 
	
  

 	
  

 	
 X

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 .126

 	
  

 	
  

 	
  

 	
 8,519

 	
  

 
	
 Mining NOC - Nevada

 	
  

 	
 12002

 	
  

 	
 b)

 	
 15,000

 	
  

 	
 .250

 	
  

 	
 .126

 	
  

 	
 38

 	
  

 	
 19

 	
  

 
	
  

 	
  

 	
 X

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 .126

 	
  

 	
  

 	
  

 	
 19

 	
  

 
	
 Mining NOC - Colorado

 	
  

 	
 12002

 	
  

 	
 b)

 	
 TBD

 	
  

 	
 .115

 	
  

 	
 .0904

 	
  

 	
 Incl

 	
  

 	
 Incl

 	
  

 
	
  

 	
  

 	
 X

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 .126

 	
  

 	
  

 	
  

 	
 Incl

 	
  

 
	
 Geophysical Exploration - seismic method - all
 employees-including completed operations

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Idaho

 	
  

 	
 13841

 	
 z

 	
 b)

 	
 58,000

 	
  

 	
 .672

 	
  

 	
 .502

 	
  

 	
 390

 	
  

 	
 291

 	
  

 
	
 Colorado

 	
  

 	
 13841

 	
 z

 	
 b)

 	
 29,000

 	
  

 	
 .595

 	
  

 	
 .326

 	
  

 	
 173

 	
  

 	
 95

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Ore Mining - Idaho

 	
  

 	
 33300

 	
  

 	
 b)

 	
 487,554

 	
  

 	
 .346

 	
  

 	
 .176

 	
  

 	
 1,687

 	
  

 	
 858

 	
  

 
	
 Machine Shops - Idaho

 	
  

 	
 39996

 	
  

 	
 b)

 	
 169,873

 	
  

 	
 .346

 	
  

 	
 .176

 	
  

 	
 588

 	
  

 	
 299

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Excess Limits

 	
  

 	
 99901

 	
  

 	
 Flat Charge

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 10

 	
  

 	
 45

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Broad Form Property Damage

 	
  

 	
 99982

 	
  

 	
 @ 20%

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 5,438

 	
  

 

	
  

 	
  

 
	
 LIAB 7240

 	
 PRINTED
 IN U.S.A.

 

[ILLEGIBLE] FORM
PROPERTY DAMAGE ENDORSEMENT 

(Including Completed Operations)

This
endorsement modifies such insurance as is afforded by the provisions of the
policy relating to the following:

COMPREHENSIVE GENERAL LIABILITY INSURANCE 

CONTRACTUAL LIABILITY INSURANCE

This endorsement forms a part of the
designated policy and applies, unless otherwise stated herein, as of the
effective time and date of such policy.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
    Policy No.

 
	
 Issued By

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Producer’s

 Name

 and

 Address

 	
  

 	
  

 	
 Producer’s Code

 	
  

 	
    Effective

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
 _____________,19 ___at ________.M.

 
	
  

 	
 .

 .

 	
  

 	
  

 	
  

 	
 Hour and Minute 

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 

 
.

 .

 .

 .

 	
  

 	
  

 	
  

 	
  

 

It is agreed
that the insurance for property damage
liability applies, subject to the following additional provisions:

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 A.

 	
 The
 exclusions relating to property damage
 to (1) property owned, occupied or used by or rented to the insured or in the care, custody or
 control of the insured or as to
 which the insured is for any
 purpose exercising physical control and (2) work performed by or on behalf of
 the named insured arising out of
 the work or any portion thereof, or out of materials, parts or equipment
 furnished in connection therewith, are replaced by the following exclusions
 (y) and (z):

 
	
  

 	
  

 
	
  

 	
 (y)

 	
 to property damage 

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 to property
owned or occupied by or rented to the insured,
or, except with respect to the use of elevators,
to property held by the insured for sale or entrusted to the insured for storage or safekeeping, 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 except with
 respect to liability under a written sidetrack agreement or the use of elevators to

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (a)

 	
 property
while on premises owned by or rented to the insured for the purpose of having
operations performed on such property by or on behalf of the insured, 

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (b)

 	
 tools or
 equipment while being used by the insured
 in performing his operations,

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (c)

 	
 property in
the custody of the insured which is to be installed, erected or used in
construction by the insured, 

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (d)

 	
 that
 particular part of any property, not on premises owned by or rented to the insured,

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 (i)

 	
 upon which
 operations are being performed by or on behalf of the insured at the time of the property damage arising out of such
 operations, or

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 (ii)

 	
 out of which
 any property damage arises, or

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 (iii)

 	
 the
 restoration, repair or replacement of which has been made or is necessary by
 reason of faulty workmanship thereon by or on behalf of the insured;

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (z)

 	
 with respect
to the completed operations hazard and with respect to any classification
stated below as “including completed operations”, to property damage to work performed by the named insured arising out of the work or
any portion thereof, or out of materials, parts or equipment furnished in
connection therewith.  

 
	
  

 	
  

 	
  

 
	
 B.

 	
 The
 insurance afforded by this endorsement shall be excess insurance over any
 valid and collectible property insurance (including any deductible portion thereof)
 available to the insured, such
 as but not limited to Fire and Extended Coverage, Builder’s Risk Coverage or
 Installation Risk Coverage, and the “Other Insurance” Condition is amended
 accordingly.

 

Classification

As Per Form
7240

This endorsement shall not be binding upon
the company unless countersigned by a duly authorized representative of the
company.

	
  

 	
  

 
	
 Countersigned
 by_______________________________________________________

 	
  

 
	
  

 	
  

 
	
  

 	
 PRINTED IN U.S.A.

 
	
 LIAB 7104A
ADV 3006

 	
  

 

PERSONAL INJURY LIABILITY INSURANCE

I. COVERAGE P—PERSONAL INJURY LIABILITY

          The company
will pay on behalf of the insured all sums which the insured shall become
legally obligated to pay as damages because of injury (herein called “personal
injury”) sustained by any person or organization and arising out of one or more
of the following offenses committed in the conduct of the named insured’s business:  

	
  

 	
  

 
	
  

 	
 Group A—false arrest, detention or imprisonment, or malicious
 prosecution;

 
	
  

 
	
  

 	
 Group B—the publication or utterance of a libel or slander or of
other defamatory or disparaging material, or a publication or utterance in
violation of an individual’s right of privacy; except publications or
utterances in the course of or related to advertising, broadcasting or
telecasting activities conducted by or on behalf of the named insured; 

 
	
  

 
	
  

 	
 Group C—wrongful entry or eviction, or other invasion of the right of
 private occupancy;

 

if such offense is committed during the policy period within the United
States of America, its territories or possessions, or Canada, and the company
shall have the right and duty to defend any suit against the insured seeking
damages on account of such personal injury even if any of the allegations of
the suit are groundless, false or fraudulent, and may make such investigation and
settlement of any claim or suit as it deems expedient, but the company shall
not be obligated to pay any claim or judgment or to defend any suit after the
applicable limit of the company’s liability has been exhausted by payment of
judgments or settlements. 

Exclusions

	
  

 	
  

 
	
  

 	
 This
 insurance does not apply

 
	
  

 	
  

 
	
 (a)

 	
 to liability assumed by the insured under any contract or agreement;

 
	
  

 	
  

 
	
 (b)

 	
 to personal injury arising out of the wilful violation of a penal
statute or ordinance committed by or with the knowledge or consent of any
insured; 

 
	
  

 	
  

 
	
 (c)

 	
 to personal injury sustained by any person as a result of an offense
directly or indirectly related to the employment of such person by the named
insured;  

 
	
  

 	
  

 
	
 (d)

 	
 to personal injury arising out of any publication or utterance
described in Group B, if the first injurious publication or utterance of the
same or similar material by or on behalf of the named insured was made prior
to the effective date of this insurance;  

 
	
  

 	
  

 
	
 (e)

 	
 to personal injury arising out of a publication or utterance
described in Group B concerning any organization or business enterprise, or
its products or services, made by or at the on of any insured with knowledge
of the falsity thereof.  

 

II. PERSONS INSURED

          Each
of the following is an insured under this insurance to the extent set forth
below: 

	
  

 	
  

 
	
 (a)

 	
 if the named insured is designated in the declarations as an
individual, the person so designated and his spouse; 

 
	
  

 	
  

 
	
 (b)

 	
 if the named insured is designated in the declarations as a
partnership or joint venture, the partnership or joint venture so designated
and any partner or member thereof but only with respect to his liability as
such; 

 
	
  

 	
  

 
	
 (c)

 	
 if the named insured is designated in the declarations as other than
an individual, partnership or joint venture, the organization so designated
and any executive officer, director or stockholder thereof while acting
within the scope of his duties as such. 

 

          This
insurance does not apply to personal injury arising out of the conduct of any
partnership or joint venture of which the insured is a partner or member and
which is not designated in this policy as a named insured.  

III. LIMITS OF LIABILITY INSUREDS
PARTICIPATION

          Regardless
of the number of (1) insureds under this policy, (2) persons or organizations
who sustain personal injury, or (3) claims made or suits brought on account of
personal injury, the total limit of the company’s liability under this coverage
for all damages shall not exceed the limit of personal injury liability stated
in the schedule as “aggregate”.  

          If a
participation percentage is stated in the schedule for the insured, the company
shall not be liable for a greater proportion of any loss than the difference
between such percentage and one hundred percent and the balance of the loss
shall be borne by the insured; provided, the company may pay the insured’s
portion of a loss to effect settlement of the loss, and, upon notification of
the action taken, the named insured stall promptly reimburse the company therefor.  

IV. ADDITIONAL DEFINITION

	
  

 	
  

 
	
  

 	
 When used in
 reference to this insurance:

 
	
  

 	
 “damages” means only those damages which are payable
 because of personal injury arising out of an offense to which this insurance applies.  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 99980 @
15%                 
                  
                  
                  
                   SCHEDULE
* Exclusion “C” is deleted  

 
	
  

 	
 Coverage 

 	
  

 	
 Limits of Liability 

 
	
  

 	
 P. 

 	
  

 	
 Personal
 Injury Liability

 	
  

 	
 $   500,000
           aggregate

 
	
  

 	
  

 	
  

 	
 The insurance afforded is only with respect to personal injury
arising out of an offense included within such of the following groups of
offenses as are indicated by specific premium charge or charges. 

 	
  

 	
 Insured’s
Participation 0%  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 Groups of
Offenses 

 	
  

 	
 Advance Premium 

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 A. 

 	
 False
 Arrest, Detention or Imprisonment, or Malicious Prosecution

 	
  

 	
 $   2,186 

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 B. 

 	
 Libel,
 Slander, Defamation or Violation of Right of Privacy

 	
  

 	
 $   Included 

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 C. 

 	
 Wrongful
 Entry or Eviction or Other Invasion of Right of Private Occupancy

 	
  

 	
 $   Included 

 
	
  

 	
 Minimum
 Premium $     72
                                                Total
 Advance Premium

 	
  

 	
 $   2,186 

 

	
  

 
	
 Policy
 Issued By______________________________________________________
 Policy No.________________________

 
	
  

 
	
 Named Insured________________________________________________________________________________________

 

	
  

 
	
 This
 Coverage Part shall not be binding upon the company unless attached to
 Sections One and Two of the company’s Liability Insurance Policy.

 

	
  

 	
  

 
	
 LIAB. 6688B

 	
 PRINTED IN U.S.A.

 

(Blanket Coverage—Broad Form)

This
endorsement forms a part of the
designated policy and applies, unless otherwise stated herein, as of the effective time and date of such policy.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
    Policy No.

 
	
 Issued By

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Producer’s

 Name

 and

 Address

 	
  

 	
  

 	
 Producer’s Code

 	
  

 	
    Effective

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
 _____________,19 ___at ________.M.

 
	
  

 	
 .

 .

 	
  

 	
  

 	
  

 	
 Hour and Minute 

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 

 
.

 .

 .

 .

 	
  

 	
  

 	
  

 	
  

 

SCHEDULE

The insurance afforded for contractual liability is only with respect
to such of the following Coverages as are indicated by a specific premium
charge applicable thereto. The limit of the company’s liability against each
such coverage shall be as stated herein, subject to all the terms of this
policy having reference thereto.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Coverages 

 	
  

 	
 Limits of Liability 

 	
  

 	
 Advance Premium 

 
	
 Contractual
 Bodily Injury Liability

 	
  

 	
 $500,000

 	
 each
 occurrence

 	
  

 	
 $35 

 
	
 Contractual
 Property Damage Liability

 	
  

 	
 $500,000 

 	
 each
 occurrence

 	
  

 	
 $30 

 
	
  

 	
  

 	
 $500,000 

 	
 aggregate

 	
  

 	
  

 
	
 MP’s
    BI/35    PD/30

 	
  

 	
 Total Advance Premium

 	
  

 	
 $65 

 

The following
exclusions do not apply with respect to any “construction agreement”:

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Designation of Contracts on file 

 or known to the company

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 Rates 

 	
  

 	
 Advance Premium 

 
	
  

 	
 Code 

 	
  

 	
 Premium Bases 

 	
  

 	
 Bodily Injury 

 	
  

 	
 Property Damage 

 	
  

 	
 Bodily Injury 

 	
  

 	
 Property Damage 

 
	
 All written
 Contracts except Nuclear Energy Commission contracts, labor agreements,
 stevedoring contracts, construction agreements with railroads &
 agreements requiring complete indemnification for all occurences arising out
 of the indemnitor’s operations without reference to negligence

 	
  

 	
  

 	
  

 	
 (a) Cost 

 (b) Sales

 	
  

 	
 (a) Per $100 of Cost 
 (b) Per $1000 of Sales

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 15193

 	
  

 	
     TBD

 	
  

 	
 .0620

 	
  

 	
 .0377

 	
  

 	
 35mp

 	
  

 	
 30mp

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 Total

 	
  

 	
 $35

 	
  

 	
 $30

 

The company,
in consideration of the payment of the premium and subject to all of the
provisions of the policy not expressly modified herein, agrees with the named insured as follows: 

          I. COVERAGES . CONTRACTUAL BODILY INJURY LIABILITY

                    
                    CONTRACTUAL
PROPERTY DAMAGE LIABILITY

The company
will pay on behalf of the insured all sums which the insured, by reason of contractual
 liability assumed by him under any written contract of the type
designated in the schedule for this insurance, shall become legally obligated
to pay as damages because of  

bodily injury or 

property damage 

to which this
insurance applies, caused by an occurrence, and the company shall have the
right and duty to defend any suit against the insured seeking damages on
account of such bodily injury or property damage, even if any of the
allegations of the suit are groundless, false or fraudulent, and may make such
investigation and settlement of any claim or suit as it deems expedient, but
the company shall not be obligated to pay any claim or judgment or to defend  

	
  

 	
  

 
	
 (1)

 	
 any
arbitration proceeding wherein the company is not entitled to exercise the insured’s rights in
 the choice of arbitrators and in the conduct of such proceedings,
or 

 
	
  

 	
  

 
	
 (2)

 	
 any suit after the applicable limit of the company’s liability has been exhausted by
payment of judgments or settlements. 

 

Exclusions

This insurance
does not apply:

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (a)

 	
 to liability
 assumed by the insured under any
 incidental contract:

 
	
  

 	
  

 	
  

 
	
 (b)

 	
 (1) 

 	
 if the insured is an architect, engineer or surveyor, to bodily injury or property
damage arising out of professional services performed by such insured, including  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (i)

 	
 the
 preparation or approval of maps, drawings, opinions, reports, surveys, change
 orders, designs or specifications, and

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (ii)

 	
 supervisory,
 inspection or engineering services:

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 if the
 indemnitee of the insured is an
 architect, engineer or surveyor, to the liability of the indemnitee, his
 agents or employees, arising out of 

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (i)

 	
 the
 preparation or approval of maps, drawings, opinions, reports, surveys, change
 orders, designs or specifications, or

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (ii)

 	
 the giving
of or the failure to give directions or instructions by the indemnitee, his
agents or employees, provided such giving or failure to give is the primary
cause of the bodily injury or property
damage; 

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (c)

 	
 to bodily
injury or property damage due to war, whether or not declared, civil war,
insurrection, rebellion or revolution or to any act or condition incident to
any of the foregoing:  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (d)

 	
 to bodily
injury or property damage for which the indemnitee may be held liable  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 as a person
 or organization engaged in the business of manufacturing, distributing,
 selling or serving alcoholic beverages, or 

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 if not so
 engaged, as an owner or lessor of premises used for such purposes.

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 if such liability is imposed

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (i)

 	
 by or
 because of the violation of, any statute, ordinance or regulation pertaining
 to the sale, gift, distribution or use of any alcoholic beverage or

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (ii)

 	
 by reason of
 the selling, serving or giving of any alcoholic beverage to a minor or to a
 person under the influence of alcohol or which causes or contributes to the
 intoxication of any person:

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 but part [ILLEGIBLE] of this exclusion does not apply with respect to
 liability of the indemnitee as an owner of [ILLEGIBLE]

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (e)

 	
 to any obligation for which the insured or any [ILLEGIBLE] as his insurer may be held liable
 under any workmen’s compensation, unemployment compensation or disability benefits law or under any
 similar law;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (f)

 	
 to any obligation for which the insured may be held liable in an action on a contract by a third party
beneficiary for bodily injury or property damage arising out of a project
for a public authority, but this exclusion does not apply to an action by the
public authority or any other person or organization engaged in the project;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (g)

 	
 to property damage to 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1) 

 	
 property owned or occupied by or rented to the insured, 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 property used by the insured, or 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (3)

 	
 property in the care, custody or control of the insured or as to
which the insured is for any purpose exercising physical control;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (h)

 	
 to property damage to premises alienated by the named insured arising
out of such premises or any part thereof;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (i)

 	
 to loss of use of tangible property which has not been physically
 injured or destroyed resulting from

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 a delay in or lack of performance by or on behalf of the named
insured of any contract or agreement, or 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 the failure of the named insured’s products or worh performed by or
on behalf of the named insured to meet the level of performance, quality,
fitness or durability warranted or represented by the named insured;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 but this exclusion does not apply to loss of use of other tangible
property resulting from the sudden and accidental physical injury to or
destruction of the named insured’s products or work performed by or on behalf
of the named insured after such products or work have been put to use by any
person or organization other than an insured;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (j)

 	
 to property damage to
the named insured’s products
arising out of such products or any part of such products;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (k)

 	
 to property damage to work performed by or on behalf of the named
insured arising out of the work or any portion thereof, or out of materials,
parts or equipment furnished in connection therewith;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (l)

 	
 to damages claimed for the withdrawal, inspection, repair,
replacement, or loss of use of the named insured’s products or work
completed by or for the named insured or of any property of which such
products or work form a part, if such products, work or property are withdrawn
from the market or from use because of any known or suspected defect or
deficiency therein;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (m)

 	
 to bodily injury or property damage arising out of the ownership,
maintenance, operation, use, loading or unloading of any mobile equipment
while being used in any prearranged or organized racing, speed or demolition
contest or in any stunting activity or in practice or preparation for any
such contest or activity;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (n)

 	
 to bodily Injury or property damage arising out of the discharge,
dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis,
toxic chemicals, liquids or gases, waste materials or other irritants,
contaminants or pollutants into or upon land; the atmosphere or any water
course or body of water; but this exclusion does not apply is such discharge,
dispersal, release or escape is sudden and accidental;  

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Unless stated in the schedule above as not applicable, the following
exclusions also apply to contractual liability assumed by the insured under
any agreement relating to construction operations. 

 
	
  

 	
  

 	
  

 
	
  

 	
 This insurance does not apply:

 
	
  

 	
  

 	
  

 
	
  

 	
 (o)

 	
 to bodily injury or property damage arising out of construction,
maintenance or repair of watercraft or loading or unloading thereof; 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (p)

 	
 to bodily injury or property damage arising out of operations, within
fifty feet of any railroad property, affecting any railroad bridge or
trestle, tracks, road beds, tunnel, underpass or crossing;  

 
	
  

 	
  

 	
  

 
	
 II. 

 	
 PERSONS INSURED  

 
	
  

 	
  

 
	
  

 	
 Each of the following is an insured
under this insurance to the extent set forth below: 

 
	
  

 	
  

 
	
  

 	
 (a)

 	
 if the named insured is designated in the declarations as an individual
 the person so designated and his spouse;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 if the named insured is designated in the declarations as a
partnership or joint venture, the partnership or joint venture so designated and any partner or member
thereof but only with respect to his liability as such; 

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 if the named insured is designated in the declarations as other than
an individual, partnership or joint venture, the organization so designated
and any executive officer, director or stockholder thereof while acting within
the scope of his duties as such. 

 
	
  

 	
  

 	
  

 
	
  

 	
 This insurance does not apply to bodily injury or property damage
arising out of the conduct of any partnership or joint venture of which the
insured is a partner or member and which is not designated in this policy as
a named insured.  

 
	
  

 	
  

 
	
 III.  

 	
 LIMITS OF LIABILITY  

 
	
  

 	
  

 
	
  

 	
 Regardless of the number of (1) insureds under this policy. (2)
persons or organizations who sustain bodily injury or property damage, or (3)
claims made or suits brought on account of bodily injury or property damage,
the company’s liability is limited as follows:  

 
	
  

 	
  

 	
  

 	
  

 
	
 CONTRACTUAL BODILY INJURY LIABILITY 

 
	
  

 	
  

 
	
  

 	
 The total liability of the company for all damages, including damages
for care and loss of services, because of bodily injury sustained by one or
more persons as the result of any one occurrence shall not exceed the limit
of bodily injury liability stated in the schedule as applicable to “each
occurrence”.  

 
	
  

 	
  

 	
  

 	
  

 
	
 CONTRACTUAL PROPERTY DAMAGE LIABILITY 

 
	
  

 	
  

 
	
  

 	
 The total liability of the company for all damages because of all
property damage sustained by one or more persons or organizations as the
result of any one occurrence shall not exceed the limit of property damage
liability stated in the schedule as applicable to “each occurrence”.  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Subject to the above provision respecting
“each occurrence”, the total liability of the company for all
damages because of all property damage to which this coverage applies shall
not exceed the limit of property damage liability stated in the schedule as
“aggregate”. Such aggregate limit of liability applies separately with
respect to each project away from premises owned by or rented to the named
insured.  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 CONTRACTUAL BODILY INJURY AND PROPERTY DAMAGE LIABILITY

 
	
  

 	
  

 
	
  

 	
 For the purpose of determining the limit of the company’s liability,
all bodily injury and property damage arising out of continuous or repeated
exposure to substantially the same general conditions shall be considered as
arising out of one occurrence.  

 
	
  

 	
  

 
	
 IV.  

 	
 ENDORSEMENT TERRITORY  

 
	
  

 	
  

 
	
  

 	
 This insurance applies only to bodily injury or property damage which
occurs within the policy territory.  

 
	
  

 	
  

 
	
 V.  

 	
 ADDITIONAL DEFINITIONS  

 
	
  

 	
  

 
	
  

 	
 When used in reference to this insurance (including
 endorsements forming a part of the policy):

 
	
  

 	
  

 
	
  

 	
 “contractual liability” means liability expressly assumed under a
written contract or agreement; provided, however, that contractual liability
shall not be construed as including liability under a warranty of the
fitness or quality of the named insured’s products or a warranty that work
performed by or on behalf of the named insured will be done in a workmanlike manner;  

 
	
  

 	
  

 
	
  

 	
 “suit” includes an arbitration proceeding to which the insured is
required to submit or to which the insured has submitted with the company’s
consent.  

 
	
  

 	
  

 
	
 VI.  

 	
 ADDITIONAL CONDITIONS  

 
	
  

 	
  

 
	
 Arbitration 

 
	
  

 	
  

 
	
  

 	
 The company shall be entitled to exercise all of the insured’s rights
in the choice of arbitrators and in the conduct of any arbitration proceeding. 

 
	
  

 	
  

 
	
 Premium 

 
	
  

 	
  

 
	
  

 	
 The advance premium stated in the schedule is the estimated premium
on account of such written contracts as are on file with or known to the
company. The named insured shall notify the company of all other written
contracts entered into during the endorsement period to which this insurance
applies. 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 When used as a premium basis:

 
	
  

 	
  

 
	
  

 	
  

 	
 1.

 	
 the word “cost” means the total cost of all work in connection with
all contracts of the type designated in the schedule for this insurance with
respect to which “cost” is the basis of premium, regardless of whether any
liability is assumed under such contracts by the insured. It includes the
cost of all labor, materials and equipment furnished, used or delivered for
use in the execution of such work, whether furnished by the insured, or others
including all fees, allowances, bonuses or commissions made, paid or due. It
shall not include the cost of any operations to which exclusions (o) or (p)
apply, unless such exclusions are voided in the schedule.  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 2.

 	
 the word “sales” means the gross amount of money charged by the named
insured or by others trading under his name for all goods and products sold
or distributed during the endorsement period and charged during the
endorsement period for installation, servicing or repair, and includes taxes,
other than taxes which the named insured and such others collect as a
separate item and remit directly to a governmental division.  

 

This endorsement shall not be binding upon
the company unless countersigned by a duly authorized representative of the
company.  

Countersigned
by________ 

This endorsement forms a part of the designated policy and
applies, unless otherwise stated herein, as of the effective time and date of
such policy.  

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 [ILLEGIBLE]

 	
  

 	
  

 	
  

 	
  

 	
  

 	
    Policy No.

 
	
  By

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
    The
 Continental Insurance Company 

 	
  

 	
   11

 	
  

 	
   L1 28 53 18

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Producer’s

 Name

 and

 Address

 	
  

 	
  

 	
 Producer’s Code

 	
  

 	
    Effective

 
	
  

 	
 . Fred S.
 James & Co. of Wash, Inc.

 	
  

 	
  

 	
  

 	
 __Feb._____15,
____1978 at _12 : 01A.M.  

 
	
  

 	
 . P.O. BOX
 2151

 . Spokane, Washington   99210

 	
  46 810
 446

 	
  

 	
  

 	
 Hour and Minute

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 . Hecla Mining Company

 	
  

 	
  

 	
  

 	
  

 	
    ON ACCOUNT
 OF THE FOLLOWING THE

 
	
  

 	
 . P.O. Box
 320

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 . Wallace, Idaho 83800

 	
  

 	
  

 	
  

 	
  

 	
    ADDITIONAL
 PREMIUM IS $_____________

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
            RETURN
 PREMIUM IS $_____________

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 
	
 EXCLUSION ENDORSEMENT

 
	
  

 	
  

 
	
  

 	
 It
 is agreed that such insurance as is afforded by the policy under coverage B,
 Property Damage, shall not apply to any and all loss caused by subsidence,
 land slide, or any other land movement.

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Accepted:  Hecla
 Mining Company

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 By:  

 	
 

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Title  

 	
 Assistant
 secretary

 	
  

 

	
  

 	
  

 	
  

 
	
 This endorsement shall not
be binding upon the company unless countersigned by a duly authorized representative
of the company. 

 
	
  

 	
  

 	
  

 
	
 Countersigned by 

 	
 

 	
  

 

	
  

 	
  

 
	
 LIAB 7251 

 	
  

 
	
 C—P 

 	
 PRINTED
IN U.S.A.  

 

	
  

 	
  

 	
  

 
	
 

 	
 PUNITIVE
OR EXEMPLARY DAMAGES EXCLUSION

AMENDATORY ENDORSEMENT 

 	
 IL  00  01

(Ed. 11-77)  

 

REGARDLESS OF ANY OTHER
PROVISION OF THIS POLICY. THIS POLICY DOES NOT APPLY TO PUNITIVE OR EXEMPLARY
DAMAGES.

	
  

 	
  

 
	
 IL 00 01 (Ed. 11-77) 

 	
 Copyright, Insurance
 Services Office, 1977

 

This endorsement forms a part
of the designated policy and applies, unless otherwise stated herein, as of the
effective time and date of such policy. 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
    Policy No.

 
	
 [ILLEGIBLE] By

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Producer’s

 Name

 and

 Address

 	
  

 	
  

 	
 Producer’s Code

 	
  

 	
    Effective

 
	
  

 	
 . 

 	
  

 	
  

 	
  

 	
 _________________,19___at_________.
 M.

 
	
  

 	
 . 

 . 

 	
  

 	
  

 	
  

 	
 Hour and Minute

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 . 

 	
  

 	
  

 	
  

 	
  

 	
    ON ACCOUNT
 OF THE FOLLOWING THE

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
    ADDITIONAL
 PREMIUM IS $_____________

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
             RETURN
 PREMIUM IS $_____________

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 
	
  

 	
 ADDITIONAL
 INSURED ENDORSEMENT NO. 1

 
	
  

 	
  

 
	
  

 	
 It
 is hereby agreed that such General Liabioity Insurance as is afforded by this
 policy applies to the organizations named below:

 
	
  

 	
  

 
	
  

 	
 1.

 	
 The
 Bukner Hill Company, but only as respects the ownership and operation of the
 Star Mine

 
	
  

 	
  

 	
  

 
	
  

 	
 2.

 	
 American
 Smelting & Refining
 Company, but only as respects The Consolidated Silver (Consil) Project

 
	
  

 	
  

 	
  

 
	
  

 	
 3.

 	
 Ruby
 Hill Mining Company

 
	
  

 	
  

 	
  

 
	
  

 	
 4.

 	
 Newmont
 Mining Company

 
	
  

 	
  

 	
  

 
	
  

 	
 5.

 	
 Silver
 Eureka Corporation

 
	
  

 	
  

 	
  

 
	
  

 	
 6.

 	
 Cypress
 Exploration Corporation

 
	
  

 	
  

 	
  

 
	
  

 	
 7.

 	
 Richmond
 - Eureka Mining Company

 
	
  

 	
  

 	
  

 
	
  

 	
 The
 Interest of Additional Insured 3, 4, 5, 6 and 7 apply only as respects the
 ownership and operations of the Ruby Hill Mine and/or The Ruby Hill Project.

 

	
  

 	
  

 	
  

 
	
 This endorsement shall not
be binding upon the company unless countersigned by a duly authorized
representative of the company. 

 
	
  

 	
  

 	
  

 
	
 Countersigned by 

 	
 

 	
  

 

	
  

 	
  

 
	
 LIAB 7251 

 	
  

 
	
 C—P 

 	
 PRINTED
IN U.S.A.  

 

This endorsement forms a part
of the designated policy and applies, unless otherwise stated herein, as of the
effective time and date of such policy. 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
    Policy No.

 
	
  [ILLEGIBLE] By

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Producer’s

 Name

 and

 Address

 	
  

 	
  

 	
 Producer’s Code

 	
  

 	
    Effective

 
	
  

 	
 . 

 	
  

 	
  

 	
  

 	
 __________________,19___at_________.
 M.

 
	
  

 	
 . 

 . 

 	
  

 	
  

 	
  

 	
 Hour and Minute

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 . 

 	
  

 	
  

 	
  

 	
  

 	
    ON ACCOUNT
 OF THE FOLLOWING THE

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
    ADDITIONAL
 PREMIUM IS $_____________

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
            RETURN
 PREMIUM IS $_____________

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 
	
  

 	
 ADDITIONAL INSURED
 ENDORSEMENT NO.2

 
	
  

 	
  

 	
  

 
	
  

 	
 It
 is hereby agreed that Sunshine Mining Company is added as an Additional
 Insured under Section I and II of this policy, but only with respect to the
 Consil Project (Consilidated Silver).

 

	
  

 	
  

 	
  

 
	
 This endorsement shall not
be binding upon the company unless countersigned by a duly authorized
representative of the company. 

 
	
  

 	
  

 	
  

 
	
 Countersigned by 

 	
 

 	
  

 

	
  

 	
  

 
	
 LIAB 7251 

 	
  

 
	
 C—P 

 	
 PRINTED
IN U.S.A. 

 

This endorsement forms a part
of the designated policy and applies, unless otherwise stated herein, as of the
effective time and date of such policy. 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
    Policy No.

 
	
  [ILLEGIBLE] By

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Producer’s

 Name

 and

 Address

 	
  

 	
  

 	
 Producer’s Code

 	
  

 	
    Effective

 
	
  

 	
 . 

 	
  

 	
  

 	
  

 	
 __________________,19___at_________.
 M.

 
	
  

 	
 . 

 . 

 	
  

 	
  

 	
  

 	
 Hour and Minute 

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 . 

 	
  

 	
  

 	
  

 	
  

 	
    ON ACCOUNT
 OF THE FOLLOWING THE

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
    ADDITIONAL
 PREMIUM IS $_____________

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
  

 	
            RETURN
 PREMIUM IS $_____________

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 
	
  

 	
 Additional Insured Endorsement No. 3

 
	
  

 	
  

 	
  

 
	
  

 	
 In
 consideration of an additional premium of $250.00, it is agreed that Dr.
 Wilson Blake of Hayden Lake, Idaho is named as an additional insured under
 this policy, buy only insofar as a safety study regarding rock mechanics
 being performed by or under his supervision at the Star-Morning Mine
 involving amoung other things, the use of a Megamatic Drilling System being
 leased by Blake from the TRW Mission Manufacturing Company. It is
 further understood and agreed that coverage afforded to Dr. Wilson Blake
 under this endorsement is limited to work being performed under Contract HO
 262039, in which the contracting parties are Dr. Wilson Blake and the US
 Department of the Interior, Bureau of Mines, executed on April 8th, 1976.

 

	
  

 	
  

 	
  

 
	
 This endorsement shall not
be binding upon the company unless countersigned by a duly authorized
representative of the company. 

 
	
  

 	
  

 	
  

 
	
 Countersigned by 

 	
 

 	
  

 

	
  

 	
  

 
	
 LIAB 7251 

 	
  

 
	
 C—P 

 	
 PRINTED
IN U.S.A. 

 

	
  

 	
  

 
	
 

 	
 G604

 
	
 (Ed. 7-66)

 

This
endorsement forms a part of the policy to which attached, effective on the
inception date of the policy unless otherwise stated herein.

(The following information is required only when this
endorsement is issued subsequent to preparation of policy.) 

	
  

 	
  

 	
  

 
	
 Endorsement effective

 	
 Policy No.

 	
 Endorsement No.

 

Named
Insured

	
  

 	
  

 
	
 Additional Premium $
 _______________

 	
 Countersigned by
 ___________________________

 
	
  

 	
 (Authorized Representative)     

 

	
  

 
	
 This endorsement modifies such insurance as is afforded by the
 provisions of the policy relating to the following:

 
	
  

 
	
 COMPREHENSIVE GENERAL LIABILITY INSURANCE

 
	
 MANUFACTURERS AND CONTRACTORS LIABILITY INSURANCE

 
	
 OWNERS AND CONTRACTORS PROTECTIVE LIABILITY INSURANCE

 
	
 OWNERS, LANDLORDS AND TENANTS LIABILITY INSURANCE

 
	
 SMP LIABILITY INSURANCE

 
	
  

 

DEDUCTIBLE LIABILITY INSURANCE

It is
agreed that:

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 1.

 	
 The
company’s obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on behalf of the insured applies
only to the amount of damages in
excess of any deductible amounts stated in the schedule below as applicable
to such coverages.  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 2.

 	
 The
 deductible amounts stated in the schedule apply as follows:

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (a)

 	
 PER CLAIM BASIS—If the deductible is on a
 “per claim” basis, the deductible amount applies under the Bodily Injury
 Liability or Property Damage
 Liability Coverage, respectively, to all damages
 because of bodily injury sustained by one person, or to all property damage sustained by one person or organization,
 as the result of any one occurrence.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (b)

 	
 PER OCCURRENCE BASIS—If the deductible is on a
“per occurrence” basis, the
deductible amount applies under the Bodily Injury Liability or Property Damage Liability Coverage, respectively,
to all damages because of all
bodily injury or property damage
as the result of any one occurrence.  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 3.

 	
 The terms
 of the policy, including those with respect to (a) the company’s rights and
 duties with respect to the defense of suits and (b) the insured’s duties in the event of an
 occurrence apply irrespective of the application of the deductible amount.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 4.

 	
 The
 company may pay any part or all of the deductible amount to effect settlement
 of any claim or suit and, upon notification of the action taken, the named
 insured shall promptly reimburse the company for such part of the deductible
 amount as has been paid by the company.

 

SCHEDULE

	
  

 	
  

 	
  

 	
  

 
	
 Coverage

 	
 Amount and Basis of
 Deductible      

 
	
  

 	
  

 	
  

 	
  

 
	
 Bodily Injury Liability

 	
  

 	
 $

 	
 per claim

 
	
  

 	
  

 	
 $

 	
 per occurrence

 
	
 Property Damage Liability

 	
  

 	
 $  50

 	
 per claim

 
	
  

 	
  

 	
 $

 	
 per occurrence

 

APPLICATION OF ENDORSEMENT (Enter
here any limitations on the application of this endorsement. If no limitation
is entered, the deductibles apply to all loss however caused):—

G604 (Ed. 7-66)

	
  

 	
  

 
	
 

 	
 G610

 
	
 (Ed. 7-66)

 

This
endorsement forms a part of the policy to which attached, effective on the
inception date of the policy unless otherwise stated herein.

(The following information is required only when this
endorsement is issued subsequent to preparation of policy.) 

	
  

 	
  

 	
  

 
	
 Endorsement effective

 	
 Policy No.

 	
 Endorsement No.

 

	
  

 	
  

 	
  

 
	
 Named Insured

 	
 Countersigned by

 	
 

 
	
  

 	
  

 	 
 
	
  

 	
  

 	
 (Authorized Representative)

 

	
  

 
	
  

 
	
 This endorsement modifies such insurance as is afforded by the
 provisions of the policy relating to the following:

 
	
  

 
	
 COMPREHENSIVE GENERAL LIABILITY INSURANCE 

 
	
 MANUFACTURERS AND CONTRACTORS LIABILITY INSURANCE 

 
	
 OWNERS, LANDLORDS AND TENANTS LIABILITY INSURANCE

 
	
  

 

PRODUCTS HAZARD EXCEPTIONS

It is agreed that the products hazard does not include bodily injury or
property damage arising out of the named insured’s products manufactured, sold,
handled or distributed in connection with (1) the use of any premises described
in this endorsement, owned by or rented to the named insured or (2) any
operation, described in this endorsement, conducted by or on behalf of the
named insured. 

Description of Premises and Operations:

Geophysical
Exploration - Seismic Method - All employees - including completed operations
Code 13841z

G610 (Ed. 7-66)

SCHEDULE

The insurance afforded is only with respect to such of the following
coverages as are indicated by specific premium charge or charges. The limit of
the company’s liability against each such coverage shall be as stated herein,
subject to all the terms of this policy having reference thereto

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 COVERAGES AND LIMITS OF LIABILITY

 
	
  

 
	
 COVERAGE C

 Badily Injury Liability

 	
  

 	
  

 	
  

 	
 COVERAGE D

 Property Damage Liability

 
	 

 	 

 	 

 	 

 	 

 
	
 each person

 	
  

 	
 each occurrence

 	
  

 	
 each occurrence

 
	 

 	 

 	 

 	 

 	 

 
	
 $          500,000

 	
  

 	
 $          500,000

 	
  

 	
 $          500,000

 
	 

 	 

 	 

 	 

 	 

 
	
      Advance Premium   $          3,928

 	
  

 	
 Advance Premium $          2,568

 
	 

 	 

 	 

 
	
 Total Advance Premium $          6,496

 
	 

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	 

 
	
 AUTOMOBILE LIABILITY HAZARDS

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 
	
 DESCRIPTION OF HAZARDS

 	
  

 	
 Advance Premium

 
	
  

 	 

 
	
  

 	
 Bodily Injury

 Liability

 	
  

 	
 Property Damage

 Liability

 
	
  

 	
  

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 
	
 1. Owned Automobiles

 	
  

 	
  

 	
  

 	
 Premium Basis - Per Automobile

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	
  

 	
  

 	
  

 	
  

 
	
 Town or City and State in Which the Automobile Will

 Be Principally Garaged

 	
  

 	
 Year of

 Model

 	
  

 	
 Trade

 Name

 	
  

 	
 Body Type and Model

 Truck Size; or Bus Seating

 Capacity

 	
  

 	
 Identification No.

 Serial No.

 Motor No.

 	
  

 	
 Purposes

 of Use

 	
  

 	
  

 	
  

 	
  

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 As Per Schedule Form, Auto
 8186, Attached

 	
  

 	
 3,876

 	
  

 	
 2,556

 
	
  

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	
  

 	
  

 	
  

 	
  

 
	
 2. Hired Automobiles

 	
  

 	
  

 	
  

 	
 Premium Basis – Total Cost of Hire

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	
  

 	
  

 	
  

 	
  

 
	
 Estimated Total Cost of Hire for
 Each State Where the Named Insured
 is Located.

 	
  

 	
 Rates per $100; Total Cost of Hire

 	
  

 	
  

 	
  

 	
  

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	
  

 	
  

 	
  

 	
  

 
	
 State

 	
  

 	
  

 	
  

 	
  

 	
 Estimated Total Cost of Hire

 	
  

 	
 Coverage C

 	
  

 	
 Coverage D

 	
  

 	
  

 	
  

 	
  

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	
  

 	
  

 	
  

 	
  

 
	
 Idaho

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 TBD

 	
  

 	
 .088

 	
  

 	
 .073

 	
  

 	
 26mp

 	
  

 	
 6mp

 
	
 Nevada

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 TBD

 	
  

 	
 .110

 	
  

 	
 .061

 	
  

 	
 Incl

 	
  

 	
 Incl

 
	
 Colorado

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 TBD

 	
  

 	
 .132

 	
  

 	
 .073

 	
  

 	
 Incl

 	
  

 	
 Incl

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	
  

 	
  

 	
  

 	
  

 
	
 3. Non-Owned Automobiles

 	
  

 	
 Premium Basis -Total Number of Employees at All Locations

 	
  

 	
  

 	
  

 	
  

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	
  

 	
  

 	
  

 	
  

 
	
 Total Number of Employees at All
 Locations 

 	
  

 	
 0-25

 	
  

 	
 26

 	
  

 	
 6

 
	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 	 

 

	
  

 	
  

 	
  

 
	
  

 	
 When used
 as premium basis:

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 “Cost of hire” means the amount incurred for (a) the hire of automobiles, including
the entire remuneration of each employee of the named insured engaged in the
operation of such automobiles subject to on average weekly maximum
remuneration of $100, and for (b) pick-up, transportation or delivery service
of property or passengers, other than such services performed by motor
carriers which are subject to the security requirements of any motor carrier
law or ordinance. The rates for each $100 of “cost of hire” shall be 5% of the applicable hired automobile
rates, provided the owner of such hired automobile has purchased automobile
Bodily Injury Liability and Property Damage Liability insurance covering the
interest of the named insured on a direct primary basis as respects such
automobile and submits evidence of such insurance to the named insured;  

 
	
  

 	
  

 	
  

 
	
  

 	
 Policy
 Issued by ______________________________________________________Policy No___________________

 
	
  

 	
  

 
	
  

 	
 Named Insured __________________________________________________________________________________

 

	
  

 
	
 This Coverage Part shall not be binding upon the company
 unless attached to Sections One and Two of the company’s Liability Insurance
 Policy.

 

	
  

 	
  

 
	
 CP 00 10 (Ed. 10-75) 

 	
 [ILLEGIBLE] Printed in U S A.

 

	
  

 	
  

 
	
 CAL

 	
 CP 00 10  

 
	
  

 	
 (Ed 10-75)

 

COMPREHENSIVE AUTOMOBILE LIABILITY INSURANCE

	
  

 	
  

 
	
 I.

 	
 COVERAGE
 C–BODILY INJURY LIABILITY 

 
	
  

 	
 COVERAGE
 D–PROPERTY DAMAGE LIABILITY

 

          The
company will pay on behalf of the insured all sums which the insured shall
become legally obligated to pay as damages because of

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 C.

 	
 bodily
 injury or

 	
  

 
	
  

 	
 D.

 	
 property
 damage

 	
  

 

to which this insurance applies, caused by on
occurrence and arising out of the ownership, maintenance or use, including
loading and unloading, of any automobile, and the company shall have the right
and duty to defend any suit against the insured seeking damages on account of
such bodily injury or property damage, even if any of the allegations of the
suit are groundless, false or fraudulent, and may make such investigation and
settlement of any claim or suit as it deems expedient, but the company shall
not be obligated to pay any claim or judgment or to defend any suit after the
applicable limit of the company’s liability has been exhausted by payment of
judgments or settlements.

Exclusions
          This
insurance does not apply:

	
  

 	
  

 	
  

 
	
 (a)

 	
 to liability assumed by the insured under any
 contract or agreement;

 
	
  

 	
  

 
	
 (b)

 	
 to any obligation for which the insured or any
 carrier as his insurer may be held liable, under any workmen’s compensation,
 unemployment compensation or disability benefits law, or under any similiar
 law;

 
	
  

 	
  

 
	
 (c)

 	
 to bodily injury to any employee of the insured
 arising out of and in the course of his employment by the insured or to any
 obligation of the insured to indemnify another, because of damages arising
 out of such injury; but this exclusion does not apply to any such injury
 arising out of and in the course of domestic employment by the insured unless
 benefits therefor are in whole or in part either payable or required to be
 provided under any workmen’s compensation law;

 
	
  

 	
  

 
	
 (d)

 	
 to property damage to

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 property owned or being transported by the
 insured, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 property rented to or in the core, custody or
 control of the insured, or to which the insured is for any purpose exercising
 physical control, other than property damage to a residence or private garage
 by a private passenger automobile covered by this insurance;

 
	
  

 	
  

 	
  

 
	
 (e)

 	
 to bodily injury or property damage due to war,
 whether or not declared, civil war, insurrection, rebellion or revolution or
 to any act or condition incident to any of the foregoing, with respect to
 expenses for first aid under the Supplementary Payments provision;

 
	
  

 	
  

 	
  

 
	
 (f)

 	
 to bodily injury or property damage arising out of
 the discharge, dispersal, release or escape of smoke, vapors, soot, fumes,
 acids, alkalis, toxic chemicals, liquids or gases, waste materials or other
 irritants, contaminants or pollutants into or upon land, the atmosphere or
 any watercourse or body of water; but this exclusion does not apply if such
 discharge, dispersal, release or escape is sudden and occidental.

 
	
  

 	
  

 	
  

 
	
 II.

 	
 PERSONS
 INSURED

 

          Each
of the following is an insured
under
this insurance to the extent set forth below;

	
  

 	
  

 	
  

 
	
 (a)

 	
 the named insured;

 
	
  

 	
  

 	
  

 
	
 (b)

 	
 any partner or executive officer thereof, but
 with respect to a non-owned automobile only while such automobile is being
 used in the business of the named insured;

 
	
  

 	
  

 	
  

 
	
 (c)

 	
 any other person while using an owned automobile
 or a hired automobile with the permission of the named insured, provided his
 actual operation or (if he is not operating) his other actual use thereof is
 within the scope of such permission, but with respect to bodily injury or
 property damage arising out of the loading or unloading thereof, such other
 person shall be an insured only if he is:

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 a lessee or borrower of the automobile, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 on employee of the named insured or of such
 lessee or borrower;

 
	
  

 	
  

 	
  

 
	
 (d)

 	
 any other person or organization but only with
 respect to his or its liability because of acts or omissions of on insured
 under (a), (b) or (c) above.

 
	
  

 	
  

 	
  

 
	
 None of the following is an insured:

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (i)

 	
  

 	
 any person while engaged in the business at his
 employer with respect to bodily injury to any fellow employee of such person
 injured in the course of his employment; 

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
  

 	
 the owner or lessee (of whom the named insured
 is a sub-lessee) of a hired automobile or the owner of a non-owned automobile,
 or any agent or employee of any such owner or lessee; 

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (iii)

 	
  

 	
 an executive officer with respect to an
 automobile owned by him or by a member of his household;

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (iv)

 	
  

 	
 any person or organization, other than the named
 insured, with respect to:

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (1)

 	
 a motor vehicle while used with any trailer
 owned or hired by such person or organization and not covered by like
 insurance in the company (except a trailer designed for use with a private
 passenger automobile and not being used far business purposes with another
 type motor vehicle), or

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (2)

 	
 a
 trailer while used with any motor vehicle owned or hired by such person or
 organization and not covered by like insurance in the company;

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (v)

 	
  

 	
 any person while employed in or otherwise
 engaged in duties in connection with an automobile business, other than an
 automobile business operated by the named insured.

 

          This
insurance does not apply to bodily injury or property damage arising out of (1)
a non-owned automobile used in the conduct of any partnership or joint venture
of which the insured is a partner or member and which is not designated in this
policy as a named insured, of (2) if the named insured is a partnership, an
automobile owned by or registered in the name of a partner thereof.

	
  

 	
  

 
	
 III.

 	
 LIMITS OF LIABILITY

 

          Regardless
of the number of (1) insured under this policy, (2) persons or organizations
who sustain bodily injury or property damage, (3) claims made or suits brought
on account of bodily injury or property damage or (4) automobiles to which this
policy applies, the company’s liability is limited as follows:

          Coverage C—The limit of
bodily injury liability stated in the schedule as applicable to “each person”
is the limit of the company’s liability for all damages, including damages for
care and loss of services, because of bodily injury sustained by one person as
the result of any one occurrence; but subject to the above provision respecting
“each person”, the total liability of the company for all damages, including
damages for core and loss of services, because of bodily injury sustained by
two or more persons as the result of any one occurrence shall not exceed the
limit of bodily injury liability stated in the schedule as applicable to “each
occurrence”.

          Coverage D—The total liability of the company for all damages
because of all property damage sustained by one or more persons or
organizations as the result of any one occurrence shall not exceed the limit of
property damage liability stated in the schedule as applicable to “each occurrence”.

          Coverages C and D—For the purpose
of determining the limit of the company’s liability, all bodily injury and
property damage arising out of continuous or repeated exposure to substantially
the same general conditions shall be considered as arising out of one
occurrence.

	
  

 	
  

 
	
 IV.

 	
 POLICY TERRITORY 

 

          This
insurance applies only to bodily injury or property damage which occurs within
the territory described in paragraph (1) or (2) of the definition of policy
territory.

	
  

 	
  

 
	
 V.

 	
 ADDITIONAL DEFINITIONS

 

          When
used in reference to this insurance (including endorsements forming a part of
the policy):

          “automobile business” means the
business or occupation of selling, repairing, servicing, storing or parking
automobiles; 

“hired automobile” means on automobile not owned
by the named insured which is used
under contract in behalf of, or loaned to, the named insured, provided such automobile is not owned by or registered in the name of
(a) a partner or executive officer of the named insured or (b) on employee or
agent of the named insured who is granted an operating allowance of any sort
for the use of such automobile; 

“non-owned automobile” means an automobile
which is neither an owned automobile nor a hired automobile;

“owned automobile” means on automobile owned by the named insured;

“private passenger automobile” means a four wheel
private passenger or station wagon type automobile; 

“trailer” includes semi-trailer but does not
include mobile equipment.

	
  

 	
  

 
	
 VI.

 	
 ADDITIONAL CONDITIONS

 
	
  

 	
  

 
	
 A.

 	
 Excess Insurance – Hired and
 Non-Owned Automobiles

 

          With
respect to a hired automobile, or a non-owned automobile, this insurance shall
be excess insurance over any other valid and collectible insurance available to
the insured.

	
  

 	
  

 
	
 B.

 	
 Out of
 State Insurance

 

          If,
under the provisions of the motor vehicle financial responsibility law or the
motor vehicle compulsory insurance law or any similar law of any state or
province, a non-resident is required to maintain insurance with respect to the
operation or use of a motor vehicle in such state or province and such
insurance requirements are greater than the insurance provided by the policy,
the limits of the company’s liability and kinds of coverage afforded by the policy
shall be as set forth in such law, in lieu of the insurance otherwise provided
by the policy, but only to the extent required by such law and only with
respect to the operation or use of a motor vehicle in such state or province;
provided that the insurance under this provision shall be reduced to the extent
that there is other valid and collectible insurance under this or any other
motor vehicle insurance policy. In no event shall any person be entitled to
receive duplicate payments for the same elements of loss.

(OVER)

	
  

 	
  

 	
  

 
	
 VI.

 	
 ADDITIONAL CONDITIONS

 
	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 Premium.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 If during the policy period the number of insured highway vehicles
 owned by the named insured or spouse or the number of dealer’s license plates
 issued to the named insured changes, the named insured shall notify the
 company during the policy period of any change and the premium shall be
 adjusted in accordance with the manuals in use by the company. If the earned
 premium thus computed exceeds the advance premium paid, the named insured
 shall pay the excess to the company; if less, the company shall return to the
 named insured the unearned portion paid by such insured.

 
	
  

 	
  

 	
  

 
	
  

 	
 B.

 	
 Proof of Claim; Medical
 Reports.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 As soon as practicable, the insured or other person making claim shall
 give to the company written proof of claim, under oath if required, including
 full particulars of the nature and extent of the injuries, treatment, and
 other details entering into the determination of the amount payable
 hereunder. The insured and every other person making claim hereunder shall
 submit to examinations under oath by any person named by the company and
 subscribe the some, as often as may reasonably be required. Proof of claim
 shall be made upon forms furnished by the company unless the company shall
 have failed to furnish such forms within 15 days after receiving notice of
 claim.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 The injured person shall submit to physical examinations by
 physicians selected by the company when and as often as the company may
 reasonably require and he, or in the event of his in capacity his legal
 representative, or in the event of his death his legal representative or the
 person or persons entitled to sue therefor, shall upon each request from the
 company execute authorization to enable the company to obtain medical reports
 and copies of records.

 
	
  

 	
  

 	
  

 
	
  

 	
 C.

 	
 Assistance and Cooperation of
 the Insured.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 After notice of claim under this insurance, the company may require
 the insured to take such action as may be necessary or appropriate to
 preserve his right to recover damages from any person or organization alleged
 to be legally responsible for the bodily injury; and in any action against
 the company, the company may require the insured to join such person or
 organization as a party defendant.

 
	
  

 	
  

 	
  

 
	
  

 	
 D.

 	
 Notice of Legal Action.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 If, before the company makes payment of loss hereunder, the insured
 or his legal representative shall institute any legal action for bodily
 injury against any person or organization legally responsible for the use of
 a highway vehicle involved in the accident, a copy of the summons and
 complaint or other process served in connection with such legal action shall
 be forwarded immediately to the company by the insured or his legal
 representative.

 
	
  

 	
  

 	
  

 
	
  

 	
 E.

 	
 Other Insurance.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 With respect to bodily Injury to an insured while occupying a highway
 vehicle not owned by the named insured, this insurance shall apply only as
 excess insurance over any other similar insurance available to such insured
 and applicable to such vehicle as primary insurance, and this insurance shall
 then apply only in the amount by which the limit of liability for this
 coverage exceeds the applicable limit of liability of such other insurance.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Except as provided in the foregoing paragraph, if the insured has
 other similar insurance available to him and applicable to the accident, the
 damages shall be deemed not to exceed the higher of the applicable limits of
 liability of this insurance and such other insurance, and the company shall
 not be liable for a greater proportion of any loss to which this coverage
 applies than the limit of liability hereunder bears to the sum of the
 applicable limits of liability of this insurance and such other insurance.

 
	
  

 	
  

 	
  

 
	
  

 	
 F.

 	
 Arbitration.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 If any person making claim hereunder and the company do not agree
 that such person is legally entitled to recover damages from the owner or
 operator of an uninsured highway vehicle because of bodily injury to the
 insured, or do not agree as to the amount of payment which may be owing under
 this insurance, then, upon written demand of either, the matter or matters
 upon which such person and the company do not agree shall be settled by
 arbitration, which shall be conducted in accordance with the rules of the
 American Arbitration Association unless other means of conducting the
 arbitration are agreed to between the insured and the company, and judgment
 upon the award rendered by the arbitrators may be entered in any court having
 jurisdiction thereof. Such person and the company each agree to consider
 itself bound and to be bound by any award made by the arbitrators pursuant to
 this insurance.

 
	
  

 	
  

 	
  

 
	
  

 	
 G.

 	
 Trust Agreement

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 In the event of payment
 to any person under this insurance:

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (a)

 	
 the company shall be entitled to the extent of such payment to the
 proceeds of any settlement or judgment that may result from the exercise of
 any rights of recovery of such person against any person or organization
 legally responsible for the bodily injury because of which such payment is
 made;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (b)

 	
 such person shall hold in trust for the benefit of the company all
 rights of recovery which he shall have against such other person or
 organization because of the damages which are the subject of claim made under
 this insurance;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (c)

 	
 such person shall do whatever is proper to secure and shall do
 nothing after loss to prejudice such rights;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (d)

 	
 if requested in writing by the company, such person shall take,
 through any representative designated by the company, such action as may be
 necessary or appropriate to recover such payment as damages from such other
 person or organization, such action to be taken in the name of such person;
 in the event of a recovery, the company shall be reimbursed out of such
 recovery for expenses, costs and attorneys’ fees incurred by it in connection
 therewith;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (e)

 	
 such person shall execute and deliver to the company such instruments
 and papers as may be appropriate to secure the rights and obligations of such
 person and the company established by this provision.

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 H.

 	
 Payment of Loss by the Company.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Any amount due hereunder is payable

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (a)

 	
 to the insured,
 or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (b)

 	
 if the insured be a
 minor to his parent or guardian, or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (c)

 	
 if the insured be deceased to his surviving spouse, otherwise

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (d)

 	
 to a person authorized by law to receive such payment or to a person
 legally entitled to recover the damages which the payment represents;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 provided, the company may at its option pay any amount due hereunder
 in accordance with division (d) hereof.

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Schedule

 	
 Idaho

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Coverage

 	
 Limits
 of Liability

 	
 Advance
 Premium

 
	
 U. Uninsured Motorists

 	
 $

 	
 10

 	
 ,000 each person

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 $ 

 	
 20

 	
 ,000 each accident

 	
 $ 96
 

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Designated Insured

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Description of Insured Highway Vehicles

 	
  

 	
  

 
	
  

 	
 (Check appropriate box)

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 x

 	
 Any automobile owned by the
 named insured

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
 Any
 private passenger automobile owned by the named insured

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
 Any
 highway vehicle to which are attached dealer’s license plates issued to the
 named insured

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
 Any highway vehicle designated in the declarations of the policy by
 the letters “UM” and a highway vehicle ownership of which is acquired during
 the policy period by the named insured as a replacement therefor

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
 Any mobile equipment owned or leased by and registered in the name of
 the named insured

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
  

  

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
 Policy Issued By ____________________________________________________ Policy
 No._________________________

 
	
  

 
	
 Named Insured
 _______________________________________________________________________________________

 
	
  

 
	
 This Coverage Part shall not be binding upon the
 company unless attached to Sections One and Two of the company’s Liability
 Insurance Policy.

 

	
  

 	
  

 
	
 CP 00 25 (Ed. 1-74)

 	
 PRINTED IN U. S. A.

 

	
  

 	
  

 
	
 UM

 	
 CP 00
 25

 
	
  

 	
 (Ed 1-74)

 

UNINSURED
MOTORISTS INSURANCE

	
  

 	
  

 
	
 I.

 	
 COVERAGE U—UNINSURED MOTORISTS

 
	
  

 	
  (Damages for Bodily Injury)

 

          The
company will pay all sums which the insured or his legal representative shall
be legally entitled to recover as damages from the owner or operator of an
uninsured highway vehicle because of bodily injury sustained by the insured,
caused by accident and arising out of the ownership, maintenance or use of such
uninsured highway vehicle; provided, for the purposes of this coverage,
determination as to whether the insured or such representative is legally
entitled to recover such damages, and if so the amount thereof, shall be made
by agreement between the insured or such representative and the company or, if
they fail to agree, by arbitration.

          No
judgment against any person or organization alleged to be legally responsible
for the bodily injury shall be conclusive, as between the insured and the
company, of the issues of liability of such person or organization or of the
amount of damages to which the insured is legally entitled unless such judgment
is entered pursuant to an action prosecuted by the insured with the written
consent of the company.

Exclusions

          This
insurance does not apply:

	
  

 	
  

 
	
 (a)

 	
 to bodily injury to an insured with respect to
 which such insured, his legal representative or any person entitled to
 payment under this insurance shall, without written consent of the company,
 make any settlement with any person or organization who may be legally liable
 therefor;

 
	
  

 	
  

 
	
 (b)

 	
 to bodily injury to an insured while occupying a
 highway vehicle (other than an insured highway vehicle) owned by the named
 insured, any designated insured or any relative resident in the same
 household as the named or designated insured, or through being struck by such
 a vehicle, but this exclusion does not apply to the named insured or his
 relatives while occupying or if struck by a highway vehicle owned by a
 designated insured or his relatives;

 
	
  

 	
  

 
	
 (c)

 	
 so as to inure directly or indirectly to the
 benefit of any workmen’s compensation or disability benefits carrier or any
 person or organization qualifying as a self-insurer under any workmen’s
 compensation or disability benefits law or any similar law.

 
	
  

 	
  

 
	
 II.

 	
 PERSONS
 INSURED

 
	
  

 	
  

 
	
  

 	
 Each of the following is an insured under this
 insurance to the extent set forth below:

 
	
  

 	
  

 
	
 (a)

 	
 the named insured and any designated insured
 and, while residents of the same household, the spouse and relatives of
 either;

 
	
  

 	
  

 
	
 (b)

 	
 any other person while occupying on insured
 highway vehicle; and

 
	
  

 	
  

 
	
 (c)

 	
 any person, with respect to damages he is
 entitled to recover because of bodily injury to which this insurance applies
 sustained by on insured under (a) or (b) above.

 

          The
insurance applies separately with respect to each insured, except with respect
to the limits of the company’s liability.

	
  

 	
  

 
	
 III.

 	
 LIMITS OF LIABILITY

 

          Regardless
of the number of (1) persons or organizations who are insureds under this
policy, (2) persons who sustain bodily injury, (3) claims made or suits brought
on account of bodily injury, or (4) highway vehicles to which this policy
applies.

	
  

 	
  

 	
  

 	
  

 
	
 (a)

 	
 The limit of liability stated in the schedule as applicable to “each
 person” is the limit of the company’s liability for all damages because of
 bodily injury sustained by one person as the result of any one accident and,
 subject to the above provision respecting “each person”, the limit of
 liability stated in the schedule as applicable to “each accident” is the
 total limit of the company’s liability for all damages because of bodily
 injury sustained by two or more persons as the result of any one accident.

 
	
  

 	
  

 	
  

 	
  

 
	
 (b)

 	
 Any amount payable under the terms of this insurance because of
 bodily injury sustained in an accident by a person who is an insured under
 this coverage shall be reduced by 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 all sums paid on account of such bodily injury by or on behalf of

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  (i)

 	
 the owner or operator of the uninsured highway vehicle and

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 any other person or organization jointly or severally liable together
 with such owner or operator for such bodily injury,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 including all sums paid under the bodily injury liability coverage of
 the policy, and

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 the amount paid and the present value of all amounts payable on
 account of such bodily injury under any workmen’s compensation law,
 disability benefits law or any similar law.

 
	
  

 	
  

 	
  

 	
  

 
	
 (c)

 	
 Any payment made under this insurance to or for any insured shall be
 applied in reduction of the amount of damages which he may be entitled to
 recover from any person or organization who is an insured under the bodily
 injury liability coverage of the policy.

 
	
  

 	
  

 	
  

 	
  

 
	
 (d)

 	
 The company shall not be obligated to pay under this insurance that
 part of the damages which the insured may be entitled to recover from the
 owner or operator of an uninsured highway vehicle which represents expenses
 for medical services paid or payable under the medical payments coverage of
 the policy.

 

	
  

 	
  

 
	
 IV.

 	
 POLICY PERIOD; TERRITORY

 

          This
insurance applies only to accidents which occur during the policy period and
within the United States of America, its territories or possessions, or Canada.

	
  

 	
  

 
	
 V.

 	
 ADDITIONAL DEFINITIONS

 

          When
used in reference to this insurance (including endorsements forming a part of
the policy):

	
  

 	
  

 	
  

 
	
  

 	
 “designated insured” means an individual named in the
 schedule under Designated Insured;

 
	
  

 	
  

 	
  

 
	
  

 	
 “highway vehicle” means a land motor vehicle or trailer
 other than

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 a farm type tractor or other equipment designed for use principally
 off public roads, while not upon public roads,

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 a vehicle operated on rails or crawler-treads, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 a vehicle while located for use as a residence or premises;

 
	
  

 	
  

 	
  

 
	
  

 	
 “hit-and-run vehicle” means a highway vehicle which causes bodily
 injury to an insured arising out of physical contact of such vehicle with the
 insured or with a vehicle which the insured is occupying at the time of the
 accident, provided:

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 there cannot be ascertained the identity of either the operator or
 owner of such highway vehicle;

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 the insured or someone on his behalf shall have reported the accident
 within 24 hours to a police, peace or judicial officer or to the Commissioner
 of Motor Vehicles, and shall have filed with the company within 30 days
 thereafter a statement under oath that the insured or his legal
 representative has a cause or causes of action arising out of such accident
 for damages against a person or persons whose identity is unascertainable,
 and setting forth the facts in support thereof; and

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 at the company’s request, the insured or his legal representative
 makes available for inspection the vehicle which the insured was occupying at
 the time of the accident;

 
	
  

 	
  

 	
  

 
	
  

 	
 “insured highway vehicle” means a highway vehicle;

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 described in the schedule as an insured highway vehicle to which the
 bodily injury liability coverage of the policy applies;

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 while temporarily used as a substitute for an insured highway vehicle
 as described in subparagraph (a) above, when withdrawn from normal use
 because of its breakdown, repair, servicing, loss or destruction;

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 while being operated by the named or designated insured or by the
 spouse of either if a resident of the same household;

 
	
  

 	
  

 	
  

 
	
  

 	
 but the term “insured highway vehicle” shall not include:

 
	
  

 	
  

 	
  

 
	
  

 	
   (i)

 	
 a vehicle while used as a public or livery conveyance, unless such
 use is specifically declared and described in this policy;

 
	
  

 	
  

 	
  

 
	
  

 	
  (ii)

 	
 a vehicle while being used without the permission of the owner;

 
	
  

 	
  

 	
  

 
	
  

 	
 (iii)

 	
 under subparagraphs (b) and (c) above, a vehicle owned by the named
 insured, any designated insured or any resident of the same household as the
 named or designated insured; or

 
	
  

 	
  

 	
  

 
	
  

 	
 (iv)

 	
 under subparagraphs (b) and (c) above, a vehicle furnished for the
 regular use of the named insured or any resident of the same household;

 
	
  

 	
  

 	
  

 
	
  

 	
 “occupying” means in or upon or entering into or alighting from;

 
	
  

 	
  

 	
  

 
	
  

 	
 “state” includes the District of Columbia, a territory or possession
 of the United States, and a province of Canada;

 
	
  

 	
  

 	
  

 
	
  

 	
 “uninsured highway vehicle” means:

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 a highway vehicle with respect to the ownership, maintenance or use
 of which there is, in at least the amounts specified by the financial
 responsibility low of the state in which the insured highway vehicle is
 principally garaged, no bodily injury liability bond or insurance policy
 applicable at the time of the accident with respect to any person or
 organization legally responsible for the use of such vehicle, or with respect
 to which there is a bodily injury liability bond or insurance policy applicable
 at the time of the accident but the company writing the same denies coverage
 thereunder or is or becomes insolvent; or

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 a hit-and-run-vehicle;

 
	
  

 	
  

 	
  

 
	
  

 	
 but the term “uninsured highway vehicle” shall not include: 

 
	
  

 	
  

 	
  

 
	
  

 	
   (i)

 	
 on insured highway vehicle,

 
	
  

 	
  

 	
  

 
	
  

 	
  (ii)

 	
 a highway vehicle which is owned or operated by a self-insurer within
 the meaning of any motor vehicle financial responsibility law, motor carrier
 law or any similar law,

 
	
  

 	
  

 	
  

 
	
  

 	
 (iii)

 	
 a highway vehicle which is owned by the United States of America,
 Canada, a state, a political subdivision of any such government or an agency
 of any of the foregoing.

 

(OVER)

	
  

 	
  

 	
  

 
	
 VI.

 	
 ADDITIONAL CONDITIONS 

 
	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 Premium.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 If
 during the policy period the number of insured highway vehicles owned by the
 named insured or spouse or the number of dealer’s license plates issued to
 the named insured changes, the named insured shall notify the company during
 the policy period of any change and the premium shall be adjusted in
 accordance with the manuals in use by the company. If the earned premium thus
 computed exceeds the advance premium paid, the named insured shall pay the
 excess to the company; if less, the company shall return to the named insured
 the unearned portion paid by such insured.

 
	
  

 	
  

 	
  

 
	
  

 	
 B.

 	
 Proof of Claim; Medical Reports.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 As
 soon as practicable, the insured or other person making claim shall give to
 the company written proof of claim, under oath if required, including full
 particulars of the nature and extent of the injuries, treatment, and other
 details entering into the determination of the amount payable hereunder. The
 insured and every other person making claim hereunder shall submit to
 examinations under oath by any person named by the company and subscribe the
 some, as often as may reasonably be required. Proof of claim shall be made
 upon forms furnished by the company unless the company shall have failed to
 furnish such forms within 15 days after receiving notice of claim.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 The injured person shall submit to physical examinations by
 physicians selected by the company when and as often as the company may
 reasonably require and he, or in the event of his in capacity his legal
 representative, or in the event of his death his legal representative or the
 person or persons entitled to sue therefor, shall upon each request from the
 company execute authorization to enable the company to obtain medical reports
 and copies of records.

 
	
  

 	
  

 	
  

 
	
  

 	
 C.

 	
 Assistance and Cooperation of the Insured.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 After notice of claim under this insurance, the company may require
 the insured to take such action as may be necessary or appropriate to
 preserve his right to recover damages from any person or organization alleged
 to be legally responsible for the bodily injury; and in any action against
 the company, the company may require the insured to join such person or
 organization as a party defendant.

 
	
  

 	
  

 	
  

 
	
  

 	
 D.

 	
 Notice of Legal Action.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 If, before the company makes payment of loss hereunder, the insured
 or his legal representative shall institute any legal action for bodily
 injury against any person or organization legally responsible for the use of
 a highway vehicle involved in the accident, a copy of the summons and
 complaint or other process served in connection with such legal action shall
 be forwarded immediately to the company by the insured or his legal
 representative.

 
	
  

 	
  

 	
  

 
	
  

 	
 E.

 	
 Other Insurance.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 With
 respect to bodily injury to an insured while occupying a highway vehicle not owned by the named
 insured, this insurance shall apply only as excess insurance over any other
 similar insurance available to such insured and applicable to such vehicle as
 primary insurance, and this insurance shall then apply only in the amount by
 which the limit of liability for this coverage exceeds the applicable limit
 of liability of such other insurance.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Except as provided in the foregoing paragraph, if the insured has
 other similar insurance available to him and applicable to the accident, the
 damages shall be deemed not to exceed the higher of the applicable limits of
 liability of this insurance and such other insurance, and the company shall
 not be liable for a greater proportion of any loss to which this coverage applies than the limit of liability
 hereunder bears to the sum of the applicable limits of liability of this
 insurance and such other insurance.

 
	
  

 	
  

 	
  

 
	
  

 	
 F.

 	
 Arbitration.

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 If any person making claim hereunder and the company do not agree
 that such person it legally entitled to recover damages from the owner or
 operator of an uninsured highway vehicle because of bodily injury to the
 insured, or do not agree as to the amount of payment which may be owing under
 this insurance, then, upon written demand of either, the matter or matters
 upon which such person and the company do not agree shall be settled by arbitration,
 which shall be conducted in accordance with the rules of the American
 Arbitration Association unless other means of conducting the arbitration are
 agreed to between the insured and the company, and judgment upon the award
 rendered by the arbitrators may be entered in any court having jurisdiction
 thereof. Such person and the company each agree to consider itself bound and
 to be bound by any award made by the arbitrators pursuant to this insurance.

 
	
  

 	
  

 	
  

 
	
  

 	
 G.

 	
 Trust Agreement

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 In the event of payment to any person under this insurance:

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (a)

 	
 the
 company shall be entitled to the extent of such payment to the proceeds of
 any settlement or judgment that may result from the exercise of any rights of
 recovery of such person against any person or organization legally
 responsible for the bodily injury because of which such payment is made;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (b)

 	
 such person shall hold in trust for the benefit of the company all
 rights of recovery which he shall have against such other person or
 organization because of the damages which are the subject of claim made under
 this insurance;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (c)

 	
 such person shall do whatever is proper to secure and shall do
 nothing after loss to prejudice such rights;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (d)

 	
 if requested in writing by the company, such person shall take,
 through any representative designated by the company, such action as may be
 necessary or appropriate to recover such payment as damages from such other
 person or organization, such action to be taken in the name of such person;
 in the event of a recovery, the company shall be reimbursed out of such
 recovery for expenses, costs and attorneys’ fees incurred by it in connection
 therewith;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (e)

 	
 such person shall execute and deliver to the company such instruments
 and papers as may be appropriate to secure the rights and obligations of such
 person and the company established by this provision.

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 H.

 	
 Payment of Loss by the Company. 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Any amount due hereunder is
 payable 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (a)

 	
 to the insured, or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (b)

 	
 if
 the insured be a minor to his parent or guardian, or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (c)

 	
 if the insured be
 deceased to his surviving spouse, otherwise

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (d)

 	
 to
 a person authorized by law to receive such payment or to a person legally
 entitled to recover the damages which the payment represents;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 provided,
 the company may at its option pay any amount due hereunder in accordance with
 division (d) hereof.

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Schedule

 	
 Nevada
 & Colorado

 	
  

 
	
 Coverage

 	
 Limits
 of Liability

 	
 Advance
 Premium

 
	
 U. Uninsured Motorists

 	
 $

 	
 15

 	
 ,000
 each person

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 $ 

 	
 30

 	
 ,000
 each accident

 	
 $ 16
 

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Designated Insured

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Description of Insured Highway Vehicles

 	
  

 	
  

 
	
  

 	
 (Check appropriate box)

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 x

 	
 Any automobile owned by the named insured

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
 Any private passenger automobile owned by the named insured

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
 Any highway vehicle to which are attached dealer’s license plates issued to the named insured

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
 Any highway vehicle designated in the declarations of the policy by the letters
 “UM” and a highway vehicle ownership of which is acquired during the policy
 period by the named insured as a replacement therefor

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
 Any mobile equipment owned or leased by and registered in the name of the named insured

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 o

 	
  

  

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
 Policy Issued By ____________________________________________________ Policy
 No._________________________

 
	
  

 
	
 Named Insured
 _______________________________________________________________________________________

 
	
  

 
	
 This Coverage Part shall not be binding upon the
 company unless attached to Sections One and Two of the company’s Liability
 Insurance Policy.

 

	
  

 	
  

 
	
 CP 00 25 (Ed. 1-74)

 	
 PRINTED IN U. S. A.

 

	
  

 	
  

 
	
 UM

 	
 CP 00 25

 
	
  

 	
  (Ed 1-74) 

 

UNINSURED MOTORISTS INSURANCE

	
  

 	
  

 
	
 I.

 	
 COVERAGE
 U—UNINSURED MOTORISTS

 
	
  

 	
  (Damages for Bodily Injury)

 

          The
company will pay all sums which the insured or his legal representative shall be legally entitled to recover as damages from the
owner or operator of an uninsured highway vehicle
because of bodily injury sustained by the insured, caused by accident and
arising out of the ownership, maintenance or use of such uninsured highway
vehicle; provided, for the purposes of this coverage,
determination as to whether the insured or such
representative is legally entitled to recover such damages, and if so the amount thereof, shall be mode by agreement between
the insured or such representative and the company or, if they fail to agree,
by arbitration.

          No judgment against any person or organization alleged to be legally responsible for the bodily injury shall be conclusive, as between the
insured and the company, of the issues of liability of such person or organization
or of the amount of damages to which the insured is legally entitled unless such judgment is entered pursuant to an action prosecuted
by the insured with the written consent of the company.

Exclusions

     This insurance does not apply:

	
  

 	
  

 
	
 (a)

 	
 to bodily injury to an insured with respect to
 which such insured, his legal
 representative or any person entitled to payment under this insurance shall, without written consent of
 the company, make any settlement with any person or organization who
 may be legally liable therefor;

 
	
  

 	
  

 
	
 (b)

 	
 to bodily injury to an
 insured while occupying a highway vehicle (other than on insured highway vehicle) owned by the named insured, any
 designated insured or any relative resident in the same household as the named or designated insured, or through being struck by such a vehicle, but this
 exclusion does not apply to the named insured or his relatives while
 occupying or if struck by a highway
 vehicle owned by a designated insured or his relatives;

 
	
  

 	
  

 
	
 (c)

 	
 so as to inure directly or
 indirectly to the benefit of any workmen’s compensation or disability benefits carrier or any person or organization qualifying as a self-insurer under any workmen’s compensation or
 disability benefits law or any similar law.

 
	
  

 	
  

 
	
 II.

 	
 PERSONS INSURED

 

          Each
of the following is an insured under this insurance to the extent set forth below:

	
  

 	
  

 
	
 (a)

 	
 the named
 insured and any designated insured and, while residents of the same household, the spouse and relatives of either;

 
	
  

 	
  

 
	
 (b)

 	
 any other person while
 occupying on insured highway vehicle; and

 
	
  

 	
  

 
	
 (c)

 	
 any person, with respect
 to damages he is entitled to recover because of bodily
 injury to which this insurance applies sustained by an insured under (a) or (b) above.

 

          The
insurance applies separately with respect to each insured, except with
respect to the limits of the company’s liability.

	
  

 	
  

 
	
 III.

 	
 LIMITS OF
 LIABILITY

 

          Regardless
of the number of (1) persons or organizations who are insureds under
this policy, (2) persons who sustain bodily injury, (3) claims mode or suits
brought on account of bodily injury, or (4) highway vehicles to which this policy applies,

	
  

 	
  

 	
  

 	
  

 
	
 (a)

 	
 The limit of liability
 stated in the schedule as applicable to “each person” is the limit of the company’s liability for all damages because of bodily injury sustained by one person as the result of any one accident and,
 subject to the above provision respecting “each person”, the
 limit of liability stated in the schedule as applicable to “each accident” is the
 total limit of the company’s liability
 for all damages because of bodily injury sustained by two or more persons as the result of any one accident.

 
	
  

 	
  

 
	
 (b)

 	
 Any amount payable under the terms of this
 insurance because of bodily injury sustained in an accident by a person who
 is on insured under this coverage shall be
 reduced by

 
	
  

 	
 (1)

 	
 all sums paid on account of such bodily injury by or on behalf of

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (i)

 	
 the owner or operator of
 the uninsured highway vehicle and

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 any other person or organization
 jointly or severally liable together with such
 owner or operator for such bodily injury,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 including all sums paid
 under the bodily injury liability coverage of the policy, and

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 the amount paid and the
 present value of all amounts payable on account of such bodily
 injury under any workmen’s compensation law,
 disability benefits law or any similar law.

 
	
  

 	
  

 	
  

 
	
 (c)

 	
 Any payment made under this
 insurance to or for any insured shall be applied in
 reduction of the amount of damages which he may be entitled to recover from
 any person or organization who is an insured under the bodily
 injury liability coverage of the policy.

 
	
  

 	
  

 
	
 (d)

 	
 The company shall not be obligated to pay under
 this insurance that part of the damages
 which the insured may be entitled to recover from the owner or
 operator of an uninsured highway vehicle which
 represents expenses for medical services paid or payable under the medical payments coverage of the policy.

 
	
  

 	
  

 
	
 IV.

 	
 POLICY
 PERIOD; TERRITORY

 

          This
insurance applies only to accidents which occur during the policy
period and within the United States of America, its territories or possessions, or Canada.

	
  

 	
  

 
	
 V.

 	
 ADDITIONAL DEFINITIONS

 

          When
used in reference to this insurance (including endorsements forming a part of the policy):

	
  

 	
  

 	
  

 
	
  

 	
  “designated insured” means an individual named in the schedule under Designated Insured;

 
	
  

 	
  

 
	
  

 	
  “highway vehicle” means a land motor vehicle or trailer other than

 
	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 a form type
 tractor or other equipment designed for use principally off public roads, while not upon public
 roads,

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 a vehicle
 operated on rails or crawler-treads, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (c) 

 	
 a vehicle while located for
 use as a residence or premises;

 
	
  

 	
  

 	
  

 
	
 “hit-and-run vehicle” means a highway vehicle which causes bodily injury to an insured arising out of physical contact of such vehicle
 with the insured or with a vehicle which the insured is occupying at the time
 of the accident, provided:

 

	
  

 	
  

 
	
 (a)

 	
 there cannot be ascertained
 the identity of either the operator or owner of such
 highway vehicle;

 
	
  

 	
  

 
	
 (b)

 	
 the insured or someone on
 his behalf shall have reported the accident within 24 hours to a police,
 peace or judicial officer or to the Commissioner of
 Motor Vehicles, and shall hove filed with the company within 30 days
 thereafter a statement under oath that the insured or his legal
 representative has a cause or causes of action arising out of such accident
 for damages against a person or persons whose identity is unascertainable, and setting forth the facts in support thereof; and

 
	
  

 	
  

 
	
 (c)

 	
 at the company’s request,
 the insured or his legal representative makes available for
 inspection the vehicle which the insured was occupying at the
 time of the accident;

 

 “insured highway vehicle” means a highway vehicle:

	
  

 	
  

 
	
 (a)

 	
 described in the schedule
 as an insured highway vehicle to which the bodily
 injury liability coverage of the policy applies;

 
	
  

 	
  

 
	
 (b)

 	
 while temporarily used as a
 substitute for an insured highway vehicle as described in subparagraph (a)
 above, when withdrawn from normal use
 because of its breakdown, repair, servicing, loss or
 destruction;

 
	
  

 	
  

 
	
 (c)

 	
 while being operated by
 the named or designated insured or by the spouse of
 either if a resident of the same household;

 

but the term “insured
highway vehicle” shall not include:

	
  

 	
  

 
	
 (i)

 	
 a vehicle while used as a
 public or livery conveyance, unless such use is
 specifically declared and described in this policy;

 
	
  

 	
  

 
	
 (ii)

 	
 a vehicle while being used
 without the permission of the owner;

 
	
  

 	
  

 
	
 (iii)

 	
 under subparagraphs (b) and (c) above, a vehicle
 owned by the named
 insured, any designated insured or any resident of the
 same household as the named or designated insured; or

 
	
  

 	
  

 
	
 (iv)

 	
 under subparagraphs (b) and (c) above, a vehicle
 furnished for the regular use of the named
 insured or any resident of the same household;

 

 “occupying” means in or upon or entering into or
alighting from;

 “state” includes the District of Columbia, a
territory or possession of the United
States, and a province of Canada;

 “uninsured highway vehicle” means:

	
  

 	
  

 
	
 (a)

 	
 a highway
 vehicle with respect to the ownership, maintenance or use of which there is, in at least the amounts specified by the
 financial responsibility law of the state in which the insured highway
 vehicle is principally garaged, no bodily
 injury liability bond or insurance policy applicable at the time of the accident with respect to any
 person or organization legally
 responsible for the use of such vehicle, or with respect to which there is a
 bodily injury liability bond or
 insurance policy applicable at the time of the accident but the company writing the same denies
 coverage thereunder or is or
 becomes insolvent; or

 
	
  

 	
  

 
	
 (b)

 	
 a hit-and-run-vehicle;

 

but the term “uninsured
highway vehicle” shall not include:

	
  

 	
  

 
	
 (i)

 	
 on insured
 highway vehicle,

 
	
  

 	
  

 
	
 (ii)

 	
 a highway
 vehicle which is owned or operated by a self-insurer within the meaning of any motor vehicle financial responsibility law, motor carrier law or any similar law,

 
	
  

 	
  

 
	
 (iii)

 	
 a highway
 vehicle which is owned by the United States of America, Canada, a state, a political subdivision of any such
 government or an agency of any of the foregoing.

 

	
  

 
	
  (OVER) 

 

	
  

 	
  

 
	
 

 	
 CP 00 37

 
	
 (Ed. 4-76)

 

	
  

 
	
 This endorsement modifies such insurance as is
 afforded by the provisions of the policy relating to the following:

 
	
  

 
	
 AUTOMOBILE PHYSICAL DAMAGE INSURANCE
 (Fleet Automatic)

 
	
 AUTOMOBILE PHYSICAL DAMAGE INSURANCE
 (Non-Fleet)

 
	
 AUTOMOBILE PHYSICAL DAMAGE INSURANCE
 (Dealers)

 

SOUND RECEIVING AND TRANSMITTING
EQUIPMENT EXCLUDED

It is agreed that the
following exclusion is added:

	
  

 	
  

 	
  

 
	
  

 	
 “This insurance does not
 apply to loss to any sound receiving or sound receiving and transmitting
 equipment designed for use as a citizen’s band radio, two-way mobile radio or
 telephone, or scanning monitor receiver including any accessories or
 antennas. This exclusion does not apply to loss to any of this equipment if
 installed in a covered automobile which is:

 
	
  

 	
  

 	
  

 
	
  

 	
 1.

 	
 owned by a police or fire
 department: or

 
	
  

 	
  

 	
  

 
	
  

 	
 2.

 	
 equipped as an emergency vehicle and owned by a
 municipality, county, state or the federal government or by any political
 subdivision or agency of any of these; or

 
	
  

 	
  

 	
  

 
	
  

 	
 3.

 	
 equipped as an emergency vehicle and owned by a
 volunteer fire department, volunteer rescue squad or volunteer ambulance
 corps operations.”

 

This endorsement must be attached to the
Change Endorsement when issued after the policy is written.

	
  

 
	
 CP 00 37 (Ed. 4-76)

 

	
  

 	
  

 
	
  

 	
 “pleasure and business” means personal, pleasure,
family and business use.  

 

V. CONDITIONS

          None
of the Conditions of the policy shall apply to this insurance
except “Premium”, “Inspection and Audit”, “Subrogation”, “Changes”,
“Assignment”, “Cancellation”, and “Declarations”.
This insurance shall also be subject to the following additional Conditions:

Named
Insured’s Duties in Event of Loss

          In
the event of loss the named insured shall; 

	
  

 	
  

 
	
 (a)

 	
 protect the covered automobile, whether or not this
insurance applies to the loss, and any further loss or damage due to the named insured’s failure to
protect shall not be recoverable under this insurance; reasonable expenses
incurred in affording such protection shall be deemed incurred at the company’s
request;  

 
	
  

 	
  

 
	
 (b)

 	
 give notice thereof as
 soon as practicable to the company or any of its authorized agents and also,
 in the event of theft or [ILLEGIBLE],
 to the police;

 
	
  

 	
  

 
	
 (c)

 	
 file with the company,
within 91 days after loss, his [ILLEGIBLE] proof of loss in such form and
including such information as the company may reasonably require and, upon
the company’s request, shall exhibit the damaged property and submit to
examination under oath; 

 
	
  

 	
  

 
	
 (d)

 	
 cooperate with the
company and, upon the company’s request, shall assist in making settlements
in the conduct of [ILLEGIBLE] and in enforcing any right of contribution or
indemnity against any person or organization who may be liable to the named
insured because of loss with respect to which this insurance applies; and
shall attend hearings and trials and assist in securing and giving evidence
and obtaining the attendance of witnesses;  

 

but the named insured shall not, except at his
own cost, voluntorily make any payment, assume any obligation, offer or pay any
reward for recovery of stolen property or incur any expense other than as
specifically provided in this insurance. 

Payment
for Loss 

          With
respect to any loss covered by this insurance, the company may pay for said
loss in money, or may: 

	
  

 	
  

 
	
 (a)

 	
 repair or replace the damaged or stolen property, or

 
	
  

 	
  

 
	
 (b)

 	
 return at its expense
any stolen property to the named insured, with payment for any resultant
damage thereto, at any time before the loss is so paid or the property is so
replaced, or  

 
	
  

 	
  

 
	
 (c)

 	
 take all or any part of
 the damaged or stolen property at the agreed or appraised value,

 
	
  

 	
  

 
	
 but there
 shall be no abandonment to the company.

 

Appraisal

          If
the named insured and the company
fail to agree as to the amount of loss, either may, within 60 days after
proof of loss is filed, demand an appraisal of the loss. In such event the
named insured and the company shall each select a competent appraiser, and the
appraisers shall select a competent and disinterested umpire The appraisers
shall state separately the actual cash value and the amount of loss and failing
to agree shall submit their differences to the umpire. An award in writing of
any two shall determine the amount of loss. The
named insured and the company shall each pay its chosen appraiser
and shall bear equally the other expenses of the appraisal and umpire.  

          The
company shall not be held to have waived any of its rights by any act relating
to appraisal.

Action
Against Company

          No
action shall lie against the company unless, as a condition precedent thereto,
there shall have been full compliance with all the terms of this insurance nor
until 30 days after proof of loss is filed and the amount of loss is determined
as provided in this insurance. 

Other
Insurance

          If
the named insured has other
insurance against a loss covered
by this insurance, the company shall not be [ILLEGIBLE] under this insurance for a
greater proportion of such loss than the applicable limit of liability stated
in the schedule bears to the total applicable limit of liability of all valid and collectible insurance against
such loss; provided, however, with respect to any covered automobile newly
acquired during the policy period and not described in the schedule, this
insurance shall not apply to any loss against which the named insured has other valid and collectible insurance.  

No
Benefit to Bailee

          None
of the provisions of this insurance shall inure directly or indirectly to the
benefit of any carrier or other bailee for hire.

Terms of
Insurance Conformed to Statute

          Terms
of this insurance which are in conflict with the statutes of the state wherein this insurance is issued
are hereby amended to conform to such statutes.

SCHEDULE
— Automobile Physical Damage Insurance

	
  

 	
  

 
	
 PHN Item 1.

 	
 The insurance afforded
is only with respect to such of the following Coverages, and under each such
Coverage to such covered automobiles described in PHN Item 2, as are indicated by specific premium charge or charges. The
limit of the company’s liability against each such Coverage shall be as
stated or designated herein, subject to all the terms of this insurance
having reference thereto. 

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 COVERAGES

 	
  

 	
 COMPREHENSIVE
 

 Actual Cash 

 Value less 

 Deductible

 	
  

 	
 COLLISION

 Actual Cash 

 Value less 

 Deductible

 	
  

 	
 FIRE,
 

 LIGHTNING 

 OR TRANSPORTA-

 TION; THEFT

 	
  

 	
 WINDSTORM,
 

 HAIL
 EARTHQUAKE 

 OR EXPLOSION

 	
  

 	
 COMBINED
 ADDITIONAL

 	
  

 	
 TOWING

 [ILLEGIBLE]
Available
in
California)
[ILLEGIBLE]

 	
  

 	
 TOTAL

 PREMIUM

 	
  

 
	
  

 	
  

 	
 As Per Schedule Form,
 Auto 8186, Attached

 	
  

 
	
  

 	
  

 	
 As Per Schedule Form,
 Auto 8186, Attached

 	
  

 
	
 LIMITS

 OF LIABILITY

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
 25

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 As Per Schedule Form,
 Auto 8186, Attached

 	
  

 
	
 PREMIUMS

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Auto.
 1

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 
	
 Auto.
 2

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 
	
 Auto.
 3

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 
	
 Auto.
 4

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 
	
 TOTAL

 	
  

 	
 $

 	
 132

 	
  

 	
 $

 	
 325

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
  

 	
  

 	
 $

 	
 457

 	
  

 

	
  

 	
  

 
	
 PHN Item 2,

 	
 Covered Automobiles as
of Effective Date of this Insurance Including newly acquired vehicles,
subject to the provisions of paragraph (b) of the “covered automoblile”
definition)  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (a) Description;
Purposes of Use (P & B = Pleasure and Business; C = Commercial) 

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 AUTO

 No.

 	
  

 	
 Year
 Model: Trade Name: Body Type—Capacity Truck Load [ILLEGIBLE]

 Identification (I), Serial (S), Motor (M) No.: [ILLEGIBLE] Model

 	
  

 	
 Principally
 [ILLEGIBLE] in

 (Town, State)

 	
  

 	
 Purpose

 of Use

 	
  

 	
 Classification

 
	
 As
 Per Schedule Form, Auto 8186,
 Attached

 
	
 1

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 2

 	
  

 	
  

 
	
 3

 	
  

 	
  

 
	
 4

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (b) Facts Respecting Purchase

 	
  

 	
  

 	
  

 	
  

 
	
 AUTO

 No.

 	
  

 	
 List

 Price

 	
  

 	
 Actual

 Cost

 	
  

 	
 Purchased

 Mo. & Yr. — New (N): Used (U)

 	
  

 	
 Rating

 Symbol

 	
  

 	
 Any
 loss under Coverages other than Towing is payable as interest may

 appear to the named insured and the Loss Payee named below:

 
	
 As
 Per Schedule Form, Auto 8186, Attached

 
	
 1

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 2

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 3

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 4

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 
	
 PHN Item 3.

 	
 Except with respect to bailment lease, conditional
sale, purchase agreement, mortgage or other encumbrance, the named insured is the sole owner of every covered automobile designated in PHN Item 2 as
covered under this insurance, unless otherwise stated herein: __________________________

          ______________________________________________________________________________  

 

	
  

 
	
 Policy Issued by _______________________________________________________ Policy No. _________________

 
	
 Named Insured __________________________________________________________________________________

 

	
  

 	
  

 
	
  

 	
 This Coverage Part shall
 not be binding upon the company unless attached to Sections One and Two of
 the company’s Liability Insurance Policy.

 
	
  

 	 

 

	
  

 	
  

 
	
 CP 00 30 (Ed
 8-74)

 	
 [ILLEGIBLE] PRINTED IN U.S.A.

 

	
  

 	
  

 	
  

 
	
 PHN

 	
 AUTOMOBILE PHYSICAL DAMAGE INSURANCE

 	
 CP 00 30

 
	
  

 	
  (Non-Fleet)

 	
  (Ed. [ILLEGIBLE])

 

I. COVERAGE AGREEMENTS — The company will pay for loss to covered
automobiles under:

	
  

 	
  

 
	
 COMPREHENSIVE
 COVERAGE —

 	
 from
any cause except collision; but, for the purpose of this coverage, breakage
of glass and loss caused by missiles, falling objects, fire, theft or larceny, windstorm, hail, earthquake, explosion, riot or
civil [ILLEGIBLE], malicious mischiel or vandalism, water, flood,
or colliding with a bird or animal, shall not be deemed loss caused by
collision; 

 

COLLISION COVERAGE — caused by collision;

FIRE, LIGHTNING OR TRANSPORTATION COVERAGE — caused by 

	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 fire or lightning,

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 smoke
or smudge due to a sudden, unusual and foulty operation of any fixed heating
equipment serving the premises
in which the covered automobile is located, or 

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 the
 stranding, sinking, burning, collision or derailment of any conveyance in or
 upon which the covered automobile is being transported;

 

THEFT COVERAGE — caused by theft or larceny;

WINDSTORM, HAIL, EARTHQUAKE OR EXPLOSION COVERAGE — caused by windstorm, hail, earthquake or
explosion;

COMBINED ADDITIONAL COVERAGE — caused by

	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 windstorm, hail, earthquake
 or explosion,

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 riot or civil commotion,

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 the forced landing or
 falling of any aircraft or its ports or equipment,

 
	
  

 	
  

 	
  

 
	
  

 	
 (d)

 	
 malicious mischief or
 vandolism,

 
	
  

 	
  

 	
  

 
	
  

 	
 (e)

 	
 flood or rising waters, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (f)

 	
 external discharge or
 leakage of water;

 

provided
that, with respect to each covered automobile,  

	
  

 	
  

 
	
 (i)

 	
 under
the Comprehensive coverage (except as to loss from any of the causes described
in the Fire, Lightning or Transportation coverage) and under the Collision
coverage, such payment shall be only for the amount of each loss in excess of
the deductible amount, if any, stated in the schedule as applicable thereto;  

 
	
  

 	
  

 
	
 (ii)

 	
 under
 the Combined Additional coverage, $25 shall be deducted from the amount of
 each loss caused by malicious mischief or vandalism.

 

The
company will pay under:

TOWING COVERAGE — for towing and labor costs necessitated by the disablement of covered
automobiles, provident the labor is performed at the place of disablement.

SUPPLEMENTARY PAYMENTS 

     In
addition to the applicable limits of liability, the company will: 

	
  

 	
  

 	
  

 
	
 (a)

 	
 with
respect to such transportation insurance as is afforded herein, pay general
average and salvage charges for which the named insured becomes legally
liable; 

 
	
  

 	
  

 
	
 (b)

 	
 reimburse
the named insured, in the event of a theft covered by this insurance of an
entire covered automobile of the private passenger type (not used as a
public or Tivery conveyance and not, at time of theft, being held for sale by on
automobile dealer), for expense incurred for the rental of a substitute for
such covered automobile during the period commencing [ILLEGIBLE] hours
after such theft has been
reported to the company and the police and terminating, regardless of
expiration of the policy period, when such covered automobile is returned to
use or the company pays for the
loss; but, as to any one such theft, such reimbursement shall not exceed $10
for any one day [ILLEGIBLE] $300 total.

Such insurance as is afforded under each
coverage applies separately to each covered automobile, and a land motor
vehicle and one or more trailers or semitrailers attached thereto shall be
held to be separate covered automobiles as respects limits of liability and
any deductible provisions applicable thereto.  

 
	
  

 	
  

 	
  

 
	
 Exclusions 

 
	
  

 	
  

 	
  

 
	
  

 	
 This
 insurance does not apply:

 
	
  

 	
  

 
	
 (a)

 	
 to
any covered automobile while used as a public or livery conveyance, unless
such use is specifically declared and described in the schedule; 

 
	
  

 	
  

 
	
 (b)

 	
 to
 damage which is due and confined to:

 
	
  

 	
  

 
	
  

 	
 (i)

 	
 wear
 and tear, or 

 
	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
 freezing,
 or

 
	
  

 	
  

 	
  

 
	
  

 	
 (iii)

 	
 mechanical
 or electrical breakdown or failure, 

 
	
  

 	
  

 	
  

 
	
  

 	
 unless
such damage is the result of other loss covered by this insurance;

 
	
  

 	
  

 	
  

 
	
 (c)

 	
 to
tires, unless 

 
	
  

 	
  

 	
  

 
	
  

 	
 (i)

 	
 loss
be coincident with and from the some cause as other loss covered by this
insurance; or  

 
	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
 damaged
by fire, by malicious mischief or vandalism or stolen and, as to the covered
automobile, loss caused by such damage or theft is covered by this insurance; 

 
	
  

 	
  

 	
  

 
	
 (d)

 	
 to
loss due to 

 
	
  

 	
  

 
	
  

 	
 (i)

 	
 war,
 whether or not declared, civil war, insurrection, rebellion or revolution,
 or to any act or condition incident to any of the foregoing; 

 
	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
 radioactive
 contamination;

 
	
  

 	
  

 	
  

 
	
 (e)

 	
 to
loss to 

 
	
  

 	
  

 
	
  

 	
 (i)

 	
 any
device or instrument designed for the recording, reproduction, or recording
and reproduction of sound unless such device or instrument is permanently
installed in the covered automobile; 

 
	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
 any
 tape, wire, record disc or other medium for use with any device or instrument
 designed for the recording, reproduction, or recording and reproduction of
 sound;

 
	
  

 	
  

 	
  

 
	
 (f)

 	
 to
loss to a comper body designed for use with a covered automobile and not
designated in the schedule and for which no premium has been charged if such
comper body was owned at the inception of the policy period or the inception
of [ILLEGIBLE] renewal or extension period thereof;  

 
	
  

 	
  

 
	
 (g)

 	
 under
the Comprehensive and Theft coverages, to loss or damage due to conversion,
embezzlement or secretion by any person in possession of a covered automobile under a bailment
lease, conditional sale, purchase agreement, mortgage or other encumbrance; 

 
	
  

 	
  

 
	
 (h)

 	
 under
 the Collision coverage, to breakage of glass if insurance with respect to
 such breakage is otherwise afforded herein;

 
	
  

 	
  

 
	
 (i)

 	
 under
the Windstorm, Hail, Earthquake or Explosion and Combined Additional
coverages, to loss resulting from rain, snow or sleet, whether or not
wind-driven. 

 
	
  

 	
  

 
	
 II. LIMIT OF LIABILITY

 

     The
limit of the company’s liability for loss to any one covered automobile shall
not exceed the least of the following amounts:  

	
  

 	
  

 
	
 (a)

 	
 the
actual cash value of such covered automobile, or if the loss is to a part
thereof the actual cash value of such part, at time of loss; or  

 
	
  

 	
  

 
	
 (b)

 	
 what
it would then cost to repair or replace such covered automobile or part
thereof with other of like kind and quality, with deduction for depreciation;
or 

 
	
  

 	
  

 
	
 (c)

 	
 the
limit of liability stated in the schedule as applicable to “each covered
automobile” under the coverage afforded for the loss to such covered
automobile, provided that if such limit of liability is expressed as a stated
amount it shall, with respect to a covered automobile newly acquired during
the policy period and not described in the schedule, be deemed as having
been replaced by “actual cash value”  

 

III. POLICY PERIOD; TERRITORY; PURPOSES OF USE

     This
insurance applies only to loss which occurs during the policy period, while the
covered automobile is within the United States of America, its territories or
possessions, or Canada, or is being transported between ports thereof and, if
a covered automobile described in the schedule, is maintained and used for the
purposes stoled therein as applicable thereto.  

IV. ADDITIONAL DEFINITIONS

     When
used in reference to this insurance (including endorsements forming a part of
the policy):

	
  

 	
  

 
	
  

 	
 “comper
body” means a body designed to be mounted upon a covered automobile and
equipped as sleeping or living quarters;  

 
	
  

 	
  

 
	
  

 	
 “collision”
means (i) collision of a covered automobile with another object or with a
vehicle to which it is attached, or (ii) upset of such covered automobile;  

 
	
  

 	
  

 
	
  

 	
 “covered
automobile” means a land motor vehicle, trailer or semitrailer, including its
equipment and other equipment permanently attached thereto (but not including
robes, wearing apparel or personal effects), which is either 

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (a)

 	
 designated
in the schedule, by description, as a covered automobile to which this
insurance applies and is owned by the named insured; or  

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 if
not so designated, such vehicle is newly acquired by the named insured during
the policy period provided, however, that: 

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (i)

 	
 it
replaces a described covered automobile, or as of the date of its delivery
this insurance applies to all covered automobile, and  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (ii)

 	
 the named insured notifies
the company within 30 days following such delivery date; 

 

	
  

 	
  

 
	
  

 	
 but
“covered automobile” does not include a vehicle owned by or registered in the
name of any individual partner or executive officer of the named insured,
unless specifically stated otherwise by endorsement forming a part of the
policy;

“loss” means direct and accidental loss or damage;

“private passenger type” means a 4-wheel land motor vehicle of the private passenger or station
wagon type;

as to “purposes of use”:  

 
	
  

 	
  

 
	
  

 	
 “commercial”
means use principally in the business occupation of the named insured as
stated in the schedule, including occasional use for personal, pleasure,
family and other business purposes;  

 

(OVER)

	
  

 	
  

 
	
  

 	
      Page
 1 of 5

 
	
 (INSERT NAME OF COMPANY)

 	
  

 

SCHEDULE OF AUTOMOBILES Eff. Feb. 15, 1978 to Feb. 15,
1979

Attach to, forming a part of
and completing the Declarations of Policy No. _________________Issued
to_______________________________________________

	
  

 	
  

 
	
  

 	
 A = 50
 miles

 
	
  

 	
 B =
 51-200 miles

 
	
  

 	
 C =
 over 200 miles

 

The Insurance afforded for each
automobile is only with respect to such of the following coverages as are
indicated by specific premium charge or charges.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 NO.

 	
  

 	
  

 	
  

 	
  

 	
 BODY TYPE

 SEDAN, TRUCK,
 TRACTOR,

 TRAILER, BUS, ETC.

 	
 SIZE REGISTRATION

 GROSS VEH. WEIGHT

 OR

 GROSS COMB. WEIGHT

 IF BUS, PASS,
 CAPACITY

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 COMMERCIAL VEHICLE -

 MOTOR SERIAL NUMBER

 	
 PLACE OF 

 PRINCIPAL

 GARAGING

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 TRADE

 NAME

 	
 RADIUS

 CLASS.

 	
 RATING INFORMATION 

 FACTORS-CODES

 
	
   OWNED  

 	
 LEASED * 

 	
 YEAR

 	
 PRIVATE PASSENGER VEHICLE

 IDENTIFICATION NUMBER

 	
  

 	
 PRIM.

 	
 SECOND.

 	
 COMB.

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 	
  

 
	
 1

 	
  

 	
  

 	
  

 	
 69

 	
 Pontiac

 	
 Sedan

 	
  

 	
 2336992112339

 	
 11-02

 	
  

 	
 C

 	
 7398

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
  

 	
 1.00

 
	
 2

 	
  

 	
  

 	
  

 	
 69

 	
 Chevrolet

 	
 Pickup

 	
  

 	
 CE1492891429

 	
 27-03

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.90

 	
 0

 	
  

 	
 1.90

 
	
  

 	
  

 	
  

 	
  

 	
 70

 	
 International

 	
 Truck

 	
  

 	
 383208H954527

 	
 11-02

 	
 A

 	
 C

 	
 234

 	
 910

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
  

 	
 1.00

 
	
 4

 	
  

 	
  

 	
  

 	
 70

 	
 International

 	
 Pickup

 	
  

 	
 CE1402128744

 	
 11-02

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.05

 	
 0

 	
  

 	
 1.05

 
	
 5

 	
  

 	
  

 	
  

 	
 51

 	
 Dodge

 	
 Truck

 	
  

 	
 T13720764

 	
 11-02

 	
 A

 	
 C

 	
 214

 	
 910

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
  

 	
 1.00

 
	
 6

 	
  

 	
  

 	
  

 	
 51

 	
 Willys

 	
 Jeep

 	
  

 	
 1516B134963

 	
 11-02

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
  

 	
 1.00

 
	
 7

 	
  

 	
  

 	
  

 	
 70

 	
 Ford

 	
 Pickup

 	
 1/2 Ton

 	
 F10GR151156

 	
 11-02

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 8

 	
  

 	
  

 	
  

 	
 72

 	
 Plymouth

 	
 Sedan

 	
  

 	
 RL41G2G1466658

 	
 11 -02

 	
  

 	
 C

 	
 7398

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 9

 	
  

 	
  

 	
  

 	
 72

 	
 Chevrolet

 	
 Sedan

 	
  

 	
 1K69H2C137044

 	
 11-02

 	
  

 	
 C

 	
 7398

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 10

 	
  

 	
  

 	
  

 	
 55

 	
 Hough

 	
 Payloader

 	
  

 	
 1755071

 	
 11-02

 	
  

 	
 C

 	
 Unlicensed

 	
  

 	
  

 

	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 
	
 [ILLEGIBLE] TERM LEASE

 THS OR LONGER
 	
     NAME 

 OF LESSOR
 	
    NAME OF 

 LOSS PAYEE
 
	
  
 	
 PURCHASE INFORMATION – NECESSARY IF

 PHYSICAL DAMAGE COVERAGE TO BE AFFORDED
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 
	 	
  
	
  
 	
 COLLISION

 AMOUNT

 $ DED.
 	
 
 	
 
 	
 
 	
 
 	
   Idaho

    Nevada & Colorado
	
 
 	
 
 
	 	
  (Enter “ACV” or the Amount of
 Insurance)
 	
  
 	
 500/500
 	
 500
 	
  
 	
 PREMIUMS
 	
 10/20

 15/30
 
	NO.
	
 MONTH

 YEAR
 	
 SYMBOL

 AGE
 	
                             NEW = N

 TOTAL COST    USED = U
 	
 COMP.
 	
 FIRE–THEFT
 	
 FIRE–THEFT

 & CAC
 	
 RATE
 	
 BODILY

 INJURY
 	
 PROPERTY

 DAMAGE
 	
 MEDICAL

 PAYMENTS
 	
 COMPRE-

 HENSIVE
 	
 FIRE-

 THEFT
 	
 C.A.C.
 	
 COLL.
 	
 TOWING
 	
 UM
 
	
 1
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 168
 	
  
 	
 80
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 3
 
	
 2
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 88
 	
  
 	
 50
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 3
 
	
 3
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 109
 	
  
 	
 88
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 3
 
	
 4
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 57
 	
  
 	
 46
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 3
 
	
 5
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 60
 	
  
 	
 49
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 3
 
	
  6
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 57
 	
  
 	
 46
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 3
 
	
 7
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 57
 	
  
 	
 46
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 3
 
	
 8
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 168
 	
  
 	
 80
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 3
 
	
 9
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 168
 	
  
 	
 80
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 3
 
	
 10
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
 Unlicensed
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 

	
  

 	
  

 	
  

 
	
 AUTO 8186

 	
 The Continental Insurance Companies

 	
 757 Printed in U S A 

 

	
  

 	
  

 
	
  

 	
      Page
 2 of 5

 
	
 (INSERT NAME OF COMPANY)

 	
  

 

SCHEDULE OF AUTOMOBILES 

Attach to, forming a part of
and completing the Declarations of Policy No. _________________Issued
to________________

	
  

 	
  

 
	
  

 	
 A = 50
 miles

 
	
  

 	
 B =
 51-200 miles

 
	
  

 	
 C =
 over 200 miles

 

The Insurance afforded for each
automobile is only with respect to such of the following coverages as are
indicated by specific premium charge or charges.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 NO.

 	
  

 	
  

 	
  

 	
  

 	
 BODY TYPE

 SEDAN, TRUCK,
 TRACTOR,

 TRAILER, BUS, ETC.

 	
 SIZE REGISTRATION

 GROSS VEH. WEIGHT

 OR

 GROSS COMB. WEIGHT

 IF BUS, PASS,
 CAPACITY

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 COMMERCIAL VEHICLE -

 MOTOR SERIAL NUMBER

 	
 PLACE OF 

 PRINCIPAL

 GARAGING

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 TRADE

 NAME

 	
 RADIUS

 CLASS.

 	
 RATING INFORMATION 

 FACTORS-CODES

 
	
   OWNED  

 	
 LEASED *  

 	
 YEAR

 	
 PRIVATE PASSENGER VEHICLE

 IDENTIFICATION NUMBER

 	
  

 	
 PRIM.

 	
 SECOND.

 	
 COMB.

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 11

 	
  

 	
  

 	
  

 	
 72

 	
 Plymouth

 	
 Sedan

 	
  

 	
 RL41G2614669

 	
 11-02

 	
  

 	
 C

 	
 7398

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
 1.00

 
	
 12

 	
  

 	
  

 	
  

 	
 72

 	
 Ford

 	
 Pickup

 	
  

 	
 F10GRN048214

 	
 11-02

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
 1.00

 
	
 13

 	
  

 	
  

 	
  

 	
 73

 	
 Chevrolet

 	
 Pickup

 	
  

 	
 CCX143A131922

 	
 11-02

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 14

 	
  

 	
  

 	
  

 	
 48

 	
 Chevrolet

 	
 Ambulance

 	
  

 	
 6FKB35222

 	
 11-02

 	
  

 	
 C

 	
 7913

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.90

 	
 0

 	
 1.90

 
	
 15

 	
  

 	
  

 	
  

 	
 61

 	
 International

 	
 Truck

 	
  

 	
 SB149640E

 	
 11-02

 	
 A

 	
 C

 	
 234

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 16

 	
  

 	
  

 	
  

 	
 61

 	
 Ford

 	
 Ambulance

 	
  

 	
 E11SH173658

 	
 11-02

 	
  

 	
 C

 	
 7913

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
 1.00

 
	
 17

 	
  

 	
  

 	
  

 	
 61

 	
 GMC

 	
 Pickup

 	
  

 	
 PN96863

 	
 11-02

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
 1.00

 
	
 18

 	
  

 	
  

 	
  

 	
 74

 	
 Ford
 Couvier

 	
 Pickup

 	
  

 	
 SGTAPA71330

 	
 11-02

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
 1.00

 
	
 19

 	
  

 	
  

 	
  

 	
 74

 	
 Chevrolet

 	
 Pickup

 	
 1/2 Ton

 	
 CCQ1442157769

 	
 11-02

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00

 	
 0

 	
 1.00

 
	
 20

 	
  

 	
  

 	
  

 	
 74

 	
 Ford
 Couvier

 	
 Pickup

 	
  

 	
 SGTAPA71329

 	
 11-02

 	
 A

 	
 C

 	
 014

 	
 910

 	
  

 

	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 
	
 [ILLEGIBLE] TERM LEASE

 THS OR LONGER
 	
     NAME 

 OF LESSOR
 	
    NAME OF 

 LOSS PAYEE
 
	
  
 	
 PURCHASE INFORMATION – NECESSARY IF

 PHYSICAL DAMAGE COVERAGE TO BE AFFORDED
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 
	 	
  
 	
  
 	
 COLLISION

 AMOUNT

 $ DED.
 	
 
 	
 
 	
 
 	
 
 	
   Idaho

    Nevada & Colorado
	
 
 	
 
 
	 	
  (Enter “ACV” or the Amount of
 Insurance)
 	
  
 	
 500/500
 	
 500
 	
  
 	
 PREMIUMS
 	
 10/20

 15/30
 
	NO.
	
 MONTH

 YEAR
 	
 SYMBOL

 AGE
 	
                             NEW = N

TOTAL COST    USED = U
 	
 COMP.
 	
 FIRE–THEFT
 	
 FIRE–THEFT

 & CAC
 	
 RATE
 	
 BODILY

 INJURY
 	
 PROPERTY

 DAMAGE
 	
 MEDICAL

 PAYMENTS
 	
 COMPRE-

 HENSIVE
 	
 FIRE-

 THEFT
 	
 C.A.C.
 	
 COLL.
 	
 TOWING
 	
 UM
 
	
 11

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 168

 	
  

 	
   80

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 12

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
   46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 13

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
   46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 14

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 171

 	
  

 	
 139

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 15

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 109

 	
  

 	
   88

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 16

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 171

 	
  

 	
 139

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 17

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
   46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 18

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
   46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 19

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
   46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 20

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
   46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 

	
  

 	
  

 	
  

 
	
 AUTO
 8186

 	
 The Continental Insurance Companies

 	
 757 Printed in U S A 

 

	
  

 	
  

 
	
  

 	
      Page
 3 of 5

 
	
 (INSERT NAME OF COMPANY)

 	
  

 

SCHEDULE OF AUTOMOBILES 

Attach to, forming a part of
and completing the Declarations of Policy No. _________________Issued
to_______________________________________________

	
  

 	
  

 
	
  

 	
 A = 50
 miles

 
	
  

 	
 B =
 51-200 miles

 
	
  

 	
 C =
 over 200 miles

 

The Insurance afforded for each
automobile is only with respect to such of the following coverages as are
indicated by specific premium charge or charges.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 NO.

 	
  

 	
  

 	
  

 	
  

 	
 BODY TYPE

 SEDAN, TRUCK,
 TRACTOR,

 TRAILER, BUS, ETC.

 	
 SIZE REGISTRATION

 GROSS VEH. WEIGHT

 OR

 GROSS COMB. WEIGHT

 IF BUS, PASS,
 CAPACITY

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 COMMERCIAL VEHICLE -

 MOTOR SERIAL NUMBER

 	
 PLACE OF 

 PRINCIPAL

 GARAGING

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 TRADE

 NAME

 	
 RADIUS

 CLASS.

 	
 RATING INFORMATION 

 FACTORS-CODES

 
	
   OWNED  

 	
 LEASED *  

 	
 YEAR

 	
 PRIVATE PASSENGER VEHICLE

 IDENTIFICATION NUMBER

 	
  

 	
 PRIM.

 	
 SECOND.

 	
 COMB.

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 21

 	
  

 	
  

 	
  

 	
 63

 	
 Honda

 	
 Cycle

 	
  

 	
 C105E033346

 	
 11-02

 	
  

 	
 C

 	
 7942  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 22

 	
  

 	
  

 	
  

 	
 76

 	
 Chevrolet

 	
 Malibu

 	
  

 	
 1C29Q6Z410152

 	
 11-02

 	
  

 	
 C

 	
 7398  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 23

 	
  

 	
  

 	
  

 	
 56

 	
 Chevrolet

 	
 Sedan

 	
  

 	
 UB60063390

 	
 27-03

 	
  

 	
 C

 	
 7398  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 24

 	
  

 	
  

 	
  

 	
 46

 	
 Willys

 	
 Jeep

 	
  

 	
 210506

 	
 27-03

 	
  

 	
 C

 	
 7398  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00  

 	
 0

 	
 1.00

 
	
 25

 	
  

 	
  

 	
  

 	
 53

 	
 Chevrolet

 	
 Pickup

 	
  

 	
 J5300536

 	
 27-03

 	
 A

 	
 C

 	
 014  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 26

 	
  

 	
  

 	
  

 	
 76

 	
 Chevrolet

 	
 Vega
 S. W

 	
  

 	
 1V15B64122463

 	
 11-02

 	
  

 	
 C

 	
 7398  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00  

 	
 0

 	
 1.00

 
	
 27

 	
  

 	
  

 	
  

 	
 65

 	
 Dodge
 Van

 	
 Truck

 	
  

 	
 1962039652

 	
 11-02

 	
 A

 	
 C

 	
 014  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00  

 	
 0

 	
 1.00

 
	
 28

 	
  

 	
  

 	
  

 	
 67

 	
 Willys

 	
 Jeep

 	
  

 	
 8305A218510

 	
 11-02

 	
 A

 	
 C

 	
 014  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00  

 	
 0

 	
 1.00

 
	
 29

 	
  

 	
  

 	
  

 	
 75

 	
 GMC

 	
 Pickup

 	
 1/2 Ton

 	
 TCQ145A507965

 	
 11-02

 	
 A

 	
 C

 	
 014  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.05  

 	
 0

 	
 1.05

 
	
 30

 	
  

 	
  

 	
  

 	
 61

 	
 International

 	
 Truck

 	
  

 	
 FA62706H

 	
 11-02

 	
 A

 	
 C

 	
 214  

 	
 910

 	
  

 

	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 
	
 [ILLEGIBLE] TERM LEASE

 THS OR LONGER
 	
     NAME 

 OF LESSOR
 	
    NAME OF 

 LOSS PAYEE
 
	
  
 	
 PURCHASE INFORMATION – NECESSARY IF

 PHYSICAL DAMAGE COVERAGE TO BE AFFORDED
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 
	 	
  
 	
  
 	
 COLLISION

 AMOUNT

 $ DED.
 	
 
 	
 
 	
 
 	
 
 	
   Idaho

    Nevada & Colorado
	
 
 	
 
 
	 	
  (Enter “ACV” or the Amount of
 Insurance)
 	
  
 	
 500/500
 	
 500
 	
  
 	
 PREMIUMS
 	
 10/20

 15/30
 
	NO.
	
 MONTH

 YEAR
 	
 SYMBOL

 AGE
 	
                             NEW = N

TOTAL COST    USED = U
 	
 COMP.
 	
 FIRE–THEFT
 	
 FIRE–THEFT

 & CAC
 	
 RATE
 	
 BODILY

 INJURY
 	
 PROPERTY

 DAMAGE
 	
 MEDICAL

 PAYMENTS
 	
 COMPRE-

 HENSIVE
 	
 FIRE-

 THEFT
 	
 C.A.C.
 	
 COLL.
 	
 TOWING
 	
 UM
 
	
 21

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 49

 	
  

 	
 26

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 22

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 168

 	
  

 	
 80

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 23

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 199

 	
  

 	
 80

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 24

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 199

 	
  

 	
 80

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 25

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 88

 	
  

 	
 50

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 26

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 168

 	
  

 	
 80

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 27

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
 46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 28

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
 46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 29

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
 46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 30

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 60

 	
  

 	
 49

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 

	
  

 	
  

 	
  

 
	
 AUTO
 8186

 	
 The Continental Insurance Companies

 	
 757 Printed in U S A 

 

	
  

 	
  

 
	
  

 	
      Page
 4 of 5

 
	
 (INSERT NAME OF COMPANY)

 	
  

 

SCHEDULE OF AUTOMOBILES 

Attach to, forming a part of
and completing the Declarations of Policy No. _________________Issued
to_______________________________________________

	
  

 	
  

 
	
  

 	
 A = 50
 miles

 
	
  

 	
 B =
 51-200 miles

 
	
  

 	
 C =
 over 200 miles

 

The Insurance afforded for each
automobile is only with respect to such of the following coverages as are
indicated by specific premium charge or charges.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 NO.

 	
  

 	
  

 	
  

 	
  

 	
 BODY TYPE

 SEDAN, TRUCK,
 TRACTOR,

 TRAILER, BUS, ETC.

 	
 SIZE REGISTRATION

 GROSS VEH. WEIGHT

 OR

 GROSS COMB. WEIGHT

 IF BUS, PASS,
 CAPACITY

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 COMMERCIAL VEHICLE -

 MOTOR SERIAL NUMBER

 	
 PLACE OF 

 PRINCIPAL

 GARAGING

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 TRADE

 NAME

 	
 RADIUS

 CLASS.

 	
 RATING INFORMATION 

 FACTORS-CODES

 
	
   OWNED  

 	
 LEASED *  

 	
 YEAR

 	
 PRIVATE PASSENGER VEHICLE

 IDENTIFICATION NUMBER

 	
  

 	
 PRIM.

 	
 SECOND.

 	
 COMB.

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 .25  

 	
 0

 	
 .25

 
	
 31

 	
  

 	
  

 	
  

 	
 62

 	
 Alloy

 	
 Trailer

 	
  

 	
 62227

 	
 11-02

 	
 A

 	
 C

 	
 684  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.90  

 	
 0

 	
 1.90

 
	
 32

 	
  

 	
  

 	
  

 	
 63

 	
 International

 	
 Truck

 	
  

 	
 SB347102F

 	
 11-02

 	
 A

 	
 C

 	
 234  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00  

 	
 0

 	
 1.00

 
	
 33

 	
  

 	
  

 	
  

 	
 73

 	
 Ford

 	
 Cargo
 Van

 	
  

 	
 E14BX47267

 	
 11-02

 	
 A

 	
 C

 	
 0.14  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00  

 	
 0

 	
 1.00

 
	
 34

 	
  

 	
  

 	
  

 	
 59

 	
 Ford

 	
 van

 	
  

 	
 F60S9R39116

 	
 11-02

 	
 A

 	
 C

 	
 014  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00  

 	
 0

 	
 1.00

 
	
 35

 	
  

 	
  

 	
  

 	
 73

 	
 Ford

 	
 Pickup

 	
 1/2 Ton

 	
 F10ARS48125

 	
 11-02

 	
 A

 	
 C

 	
 014  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00  

 	
 0

 	
 1.00

 
	
 36

 	
  

 	
  

 	
  

 	
 74

 	
 Ford
 Stake

 	
 Truck

 	
  

 	
 F37MRU41182

 	
 11-02

 	
 A

 	
 C

 	
 014  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.90  

 	
 0

 	
 1.90

 
	
 37

 	
  

 	
  

 	
  

 	
 63

 	
 International

 	
 Dump Truck

 	
  

 	
 FS3739711

 	
 11-02

 	
 A

 	
 C

 	
 234  

 	
 910

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 38

 	
  

 	
  

 	
  

 	
 73

 	
 Chevrolet

 	
 Sedan

 	
  

 	
 1K69H3C184279

 	
 05-02

 	
  

 	
 C

 	
 7398  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
  

 	
  

 	
  

 
	
 39

 	
  

 	
  

 	
  

 	
 73

 	
 Dodge

 	
 Ambulance

 	
 1 Ton Van

 	
 DNB37BZ3X1013531

 	
 11-02

 	
  

 	
 C

 	
 7913  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 F

 	
 1.00  

 	
 0

 	
 1.00

 
	
 40

 	
  

 	
  

 	
  

 	
 77

 	
 Ford

 	
 F 140

 	
  

 	
 F14HRY05167

 	
 05-02

 	
 A

 	
 C

 	
 014  

 	
 910

 	
  

 

	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 
	
 [ILLEGIBLE] TERM LEASE

 THS OR LONGER
 	
     NAME 

 OF LESSOR
 	
    NAME OF 

 LOSS PAYEE
 
	
  
 	
 PURCHASE INFORMATION – NECESSARY IF

 PHYSICAL DAMAGE COVERAGE TO BE AFFORDED
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 
	 	
  
 	
  
 	
 COLLISION

 AMOUNT

 $ DED.
 	
 
 	
 
 	
 
 	
 
 	
   Idaho

    Nevada & Colorado
	
 
 	
 
 
	 	
  (Enter “ACV” or the Amount of
 Insurance)
 	
  
 	
 500/500
 	
 500
 	
  
 	
 PREMIUMS
 	
 10/20

 15/30
 
	NO.
	
 MONTH

 YEAR
 	
 SYMBOL

 AGE
 	
                             NEW = N

TOTAL COST    USED = U
 	
 COMP.
 	
 FIRE–THEFT
 	
 FIRE–THEFT

 & CAC
 	
 RATE
 	
 BODILY

 INJURY
 	
 PROPERTY

 DAMAGE
 	
 MEDICAL

 PAYMENTS
 	
 COMPRE-

 HENSIVE
 	
 FIRE-

 THEFT
 	
 C.A.C.
 	
 COLL.
 	
 TOWING
 	
 UM
 
	
 31

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 16

 	
  

 	
 12

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 32

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 109

 	
  

 	
 88

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 33

 	
  

 	
  

 	
 3-6

 	
 5,000

 	
 ACV

 	
  

 	
  

 	
  

 	
 100

 	
 57

 	
  

 	
 46

 	
  

 	
 58

 	
  

 	
  

 	
 151

 	
  

 	
 3

 
	
 34

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
 46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 35

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
 46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 36

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 57

 	
  

 	
 46

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 37

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 109

 	
  

 	
 88

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 38

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 124

 	
  

 	
 92

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 2

 
	
 39

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 171

 	
  

 	
 139

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 3

 
	
 40

 	
  

 	
  

 	
 3-2

 	
 6,000

 	
 ACV

 	
  

 	
  

 	
  

 	
 100

 	
 124

 	
  

 	
 83

 	
  

 	
 74

 	
  

 	
  

 	
 174

 	
  

 	
 2

 

	
  

 	
  

 	
  

 
	
 AUTO
 8186

 	
 The Continental Insurance Companies

 	
 757 Printed in U S A 

 

	
  

 	
  

 
	
  

 	
      Page
 5 of 5

 
	
 (INSERT NAME OF COMPANY)

 	
  

 

SCHEDULE OF AUTOMOBILES 

Attach to, forming a part of
and completing the Declarations of Policy No. _________________Issued
to_______________________________________________

	
  

 	
  

 
	
  

 	
 A = 50
 miles

 
	
  

 	
 B =
 51-200 miles

 
	
  

 	
 C =
 over 200 miles

 

The Insurance afforded for each
automobile is only with respect to such of the following coverages as are
indicated by specific premium charge or charges.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 NO.

 	
  

 	
  

 	
  

 	
  

 	
 BODY TYPE

 SEDAN, TRUCK,
 TRACTOR,

 TRAILER, BUS, ETC.

 	
 SIZE REGISTRATION

 GROSS VEH. WEIGHT

 OR

 GROSS COMB. WEIGHT

 IF BUS, PASS,
 CAPACITY

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
 COMMERCIAL VEHICLE -

 MOTOR SERIAL NUMBER

 	
 PLACE OF 

 PRINCIPAL

 GARAGING

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 TRADE

 NAME

 	
 RADIUS

 CLASS.

 	
 RATING INFORMATION 

 FACTORS-CODES

 
	
   OWNED  

 	
 LEASED *  

 	
 YEAR

 	
 PRIVATE PASSENGER VEHICLE

 IDENTIFICATION NUMBER

 	
  

 	
 PRIM.

 	
 SECOND.

 	
 COMB.

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
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 F

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 C

 	
  

 	
  

 	
  

 

	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 	
  
 
	
 [ILLEGIBLE] TERM LEASE

 THS OR LONGER
 	
     NAME 

 OF LESSOR
 	
    NAME OF 

 LOSS PAYEE
 
	
  
 	
 PURCHASE INFORMATION – NECESSARY IF

 PHYSICAL DAMAGE COVERAGE TO BE AFFORDED
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 	
 
 
	 	
  
 	
  
 	
 COLLISION

 AMOUNT

 $ DED.
 	
 
 	
 
 	
 
 	
 
 	
   Idaho

    Nevada & Colorado
	
 
 	
 
 
	 	
  (Enter “ACV” or the Amount of
 Insurance)
 	
  
 	
 500/500
 	
 500
 	
  
 	
 PREMIUMS
 	
 10/20

 15/30
 
	NO.
	
 MONTH

 YEAR
 	
 SYMBOL

 AGE
 	
                             NEW = N

TOTAL COST    USED = U
 	
 COMP.
 	
 FIRE–THEFT
 	
 FIRE–THEFT

 & CAC
 	
 RATE
 	
 BODILY

 INJURY
 	
 PROPERTY

 DAMAGE
 	
 MEDICAL

 PAYMENTS
 	
 COMPRE-

 HENSIVE
 	
 FIRE-

 THEFT
 	
 C.A.C.
 	
 COLL.
 	
 TOWING
 	
 UM
 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 Totals

 	
  

 	
  

 	
 3,876

 	
 2,556

 	
  

 	
 132

 	
  

 	
  

 	
 325

 	
  

 	
 112

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 
	
 AUTO
 8186

 	
 The Continental Insurance Companies

 	
 757 Printed in U S A 

 

(THIS
SPACE FOR ATTACHING ENDORSEMENTS)

CONDITIONS

1. Premium All
premiums for this policy shall be computed in accordance with the company’s
rules, rates, rating plans, premiums and minimum premiums applicable to the
insurance afforded herein.

          Premium
designated in this policy as “advance premium” is a deposit premium only which
shall be credited to the amount of the earned premium due at the end of the policy
period. At the close of each period (or part thereof terminating with the end
of the policy period) designated in the declarations as the audit period the
earned premium shall be computed for such period and, upon notice thereof to
the named insured, shall become due and payable. If the total earned premium
for the policy period is less than the premium previously paid, the company
shall return to the named insured the unearned portion paid by the named
insured.

          The
named insured shall maintain records of such information as is necessary for
premium computation, and shall send copies of such records to the company at
the end of the policy period and at such times during the policy period as the
company may direct.

2. Inspection and Audit The company shall be permitted but not obligated to inspect the named
insured’s property and operations at any time. Neither the company’s right to
make inspections nor the making thereof nor any report thereon shall constitute
an undertaking, on behalf of or for the benefit of the named insured or others,
to determine or warrant that such property or operations are safe or healthful,
or are in compliance with any law, rule or regulation.

          The
company may examine and audit the named insured’s books and records at any time
during the policy period and extensions thereof and within three years after
the final termination of this policy, as far as they relate to the subject
matter of this insurance. 

3. Financial Responsibility Laws When this policy is certified as proof of
financial responsibility for the future under the provisions of any motor
vehicle financial responsibility law, such insurance as is afforded by this
policy for bodily injury liability or for property damage liability shall
comply with the provisions of such law to the extent of the coverage and limits
of liability required by such law. The insured agrees to reimburse the company
for any payment made by the company which it would not have been obligated to
[ILLEGIBLE] under the terms of this policy except for the agreement contained
in this [ILLEGIBLE].

4. [ILLEGIBLE] Duties in the Event of Occurrence, Claim or Suit

	
  

 	
  

 
	
 (a)

 	
 In
 the event of an occurrence, written notice containing particulars sufficient
 to identify the insured and also reasonably obtainable information with
 respect to the time, place and circumstances thereof, and the names and
 addresses of the injured and of available witnesses, shall be given by or for
 the insured to the company or any of its authorized agents as soon as
 practicable.

 
	
  

 	
  

 
	
 (b)

 	
 If
 claim is made or suit is brought against the insured, the insured shall
 immediately forward to the company every demand, notice, summons or other
 process received by him or his representative.

 
	
  

 	
  

 
	
 (c)

 	
 The
 insured shall cooperate with the company and, upon the company’s request,
 assist in making settlements, in the conduct of suits and in enforcing any
 right of contribution or indemnity against any person or organization who may
 be liable to the insured because of injury or damage with respect to which
 insurance is afforded under this policy; and the insured shall attend
 hearings and trials and assist in securing and giving evidence and obtaining
 the attendance of witnesses. The insured shall not, except at his own cost,
 voluntarily make any payment, assume any obligation or incur any expense
 other than for first aid to others at the time of accident.

 

5. Action Against Company No action shall lie against the company, unless, as a condition
precedent thereto, there shall have been full compliance with all of the terms
of this policy, nor until the amount of the insured’s obligation to pay shall
have been finally determined either by judgment against the insured after
actual trial or by written agreement of the insured, the claimant and the
company.

          Any
person or organization or the legal representative thereof who has secured such
judgment or written agreement shall thereafter be entitled to recover under
this policy to the extent of the insurance afforded by this policy. No person
or organization shall have any right under this policy to join the company as a
party to any action against the insured to determine the insured’s liability,
nor shall the company be impleaded by the insured or his legal representative.
Bankruptcy or insolvency of the insured or of the insured’s estate shall not
relieve the company of any of its obligations hereunder.

6. Other Insurance The insurance afforded by this policy is primary insurance, except when
stated to apply in excess of or contingent upon the absence of other insurance
When this insurance is primary and the insured has other insurance which is
stated to be applicable to the loss on an excess or contingent basis, the
amount of the company’s liability under this policy shall not be reduced by the
existence of such other insurance.

          When
both this insurance and other insurance apply to the loss on the same basis,
whether primary, excess or contingent, the company shall not be liable under
this policy for a greater proportion of the loss than that stated in the
applicable contribution provision below:

	
  

 	
  

 
	
 (a)

 	
 Contribution
 by Equal Shares. If all of such other valid and collectible insurance
 provides for contribution by equal shares, the company shall not be liable
 for a greater proportion of such loss than would be payable if each insurer
 contributes an equal share until the share of each insurer equals the lowest
 applicable limit of liability under any one policy or the full amount of the
 loss is paid, and with respect to any amount of loss not so paid the
 remaining insurers then continue to contribute equal shares of the remaining
 amount of the loss until each such insurer has paid its limit in full or the
 full amount of the loss is paid.

 
	
  

 	
  

 
	
 (b)

 	
 Contribution
 by Limits. If any of such other insurance does not provide for contribution
 by equal shares, the company shall not be liable for a greater proportion of
 such loss than the applicable limit of liability under this policy for such
 loss bears to the total applicable limit of liability of all valid and
 collectible insurance against such loss.

 

7. Subrogation
In the event of any payment under this policy, the company shall be subrogated
to all the insured’s rights of recovery therefor against any person or
organization and the insured shall execute and deliver instruments and papers
and do whatever else is necessary to secure such rights. The insured shall do
nothing after loss to prejudice such rights.

8. Changes
Notice to any agent or knowledge possessed by any agent or by any other
person shall not effect a waiver or a change in any part of this policy or
estop the company from asserting any right under the terms of this policy;
nor shall the terms of this policy be waived or changed, except by endorsement
issued to form a part of this policy, signed by a duly authorized
representative of the company.

9. Assignment
Assignment of interest under this policy shall not bind the company until its
consent is endorsed hereon; if, however, the named insured shall die, such
insurance as is afforded by this policy shall apply (1) to the named insured’s
legal representative, as the named insured, but only while acting within the
scope of his duties as such, and (2) with respect to the property of the named
insured, to the person having proper temporary custody thereof, as insured, but
only until the appointment and qualification of the legal representative.

10. Three Year Policy If this policy is issued for a period of three years any limit of the
company’s liability stated in this policy as “aggregate” shall apply separately
to each consecutive annual period thereof.

11. Cancellation
This policy may be cancelled by the named insured by surrender thereof to the
company or any of its authorized agents or by mailing to the company written
notice stating when thereafter the cancellation shall be effective. This policy
may be cancelled by the company by mailing to the named insured at the address
shown in this policy, written notice stating when not less than ten days
thereafter such cancellation shall be effective. The mailing of notice as
aforesaid shall be sufficient proof of notice. The time of surrender or the
effective date and hour of cancellation stated in the notice shall become the
end of the policy period. Delivery of such written notice either by the named
insured or by the company shall be equivalent to mailing.

          If
the named insured cancels, earned premium shall be computed in accordance with
the customary short rate table and procedure. If the company cancels, earned
premium shall be computed pro rata. Premium adjustment may be made either at
the time cancellation is effected or as soon as practicable after cancellation
becomes effective, but payment or tender of unearned premium is not a condition
of cancellation. 

12. Declarations
By acceptance of this policy, the named insured agrees that the statements in
the declarations are his agreements and representations, that this policy is
issued in reliance upon the truth of such representations and that this policy
embodies all agreements existing between himself and the company or any of its
agents relating to this insurance.

In Witness Whereof, the company has caused this policy to be
signed by an executive vice president and a secretary, but this policy shall
not be binding upon the company unless completed by the attachment hereto of
(1) a Declarations Page described as Section Two and [ILLEGIBLE] on the
aforesaid Declarations Page by a duly authorized representative of the company,
and (2) one or more Coverage Parts [ILLEGIBLE] there is an advance premium
indicated on the Declarations Page.

	
  

 	
  

 
	

 	

 
	
 Secretary

 	
 Executive Vice President

 

NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT—(Broad Form)

	
  

 	
  

 	
  

 	
  

 
	
 I.

 	
 Subject
 to the Provisions of paragraph III of this Endorsement, it is agreed that the
 policy and any endorsement used therewith, regardless of whether such
 endorsement [ILLEGIBLE] the policy exclusions inapplicable does not
 apply: 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 [ILLEGIBLE] any Liability Coverage, to bodily injury or
 property damage

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 with
 respect to which an insured under the policy is also an insured under a nuclear
 energy liability policy issued by Nuclear Energy Liability Insurance Association,
 Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association
 of Canada, or would be an insured under any such policy but for its
 termination upon exhaustion of its limit of liability; or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 resulting
 from the hazardous properties of nuclear material and with respect to which
 (a) any person or organization is required to maintain financial protection
 pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or
 (b) the insured is, or had this policy not been issued would be, entitled to
 indemnity from the United States of America, or any agency thereof, under any
 agreement entered into by the United States of America, or any agency thereof,
 with any person or organization.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 B.

 	
 Under
 any Medical Payments Coverage, or under any Supplementary Payments provision relating to first aid, to expenses incurred with respect to bodily
 injury resulting from the hazardous properties of nuclear material and
 arising out of the operation of a nuclear facility by any person or
 organization.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 C.

 	
 Under
 any Liability Coverage, to bodily injury or property damage resulting from
 the hazardous properties of nuclear material, if

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 the
 nuclear material (a) is at any nuclear facility owned by, or operated by or
 on behalf of, an insured or (b) has been discharged or dispersed therefrom;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 the
 nuclear material is contained in spent fuel or waste at any time possessed,
 handled, used, processed, stored, transported or disposed of by or on behalf
 of an insured; or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (3)

 	
 the
bodily injury or property damage arises out of the furnishing by an insured
of services, materials, parts or equipment in connection with the planning,
construction, maintenance, operation or use of any nuclear facility, but if
such facility is located within the United States of America, its territories
or possessions or Canada, this exclusion (3) applies only to property
damage to such nuclear facility and any property thereat. 

 
	
  

 	
  

 	
  

 	
  

 
	
 II.

 	
 As
 used in this endorsement:

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “hazardous
 properties” include radioactive, toxic or explosive properties:

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “nuclear
 material” means source material, special nuclear material or byproduct
 material;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “source
 material”, “special nuclear material”, and “byproduct material” have the
 meanings given them in the Atomic Energy Act of 1954 or in any law amendatory
 thereof;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “spent
 fuel” means any fuel element or fuel component, solid or liquid, which has
 been used or exposed to radiation in a nuclear reactor;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “waste”
 means any waste material (1) containing byproduct material and (2) resulting
 from the operation by any person or organization of any nuclear facility included
 within the definition of nuclear facility under paragraph (a) or (b) thereof,
 “nuclear facility” means

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (a)

 	
 any
 nuclear reactor,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (b)

 	
 any
 equipment or device designed or used for (1) separating the isotopes of
 uranium or plutonium, (2) processing or utilizing spent fuel, or (3)
 handling, processing or packaging waste,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (c)

 	
 any
 equipment or device used for the processing, fabricating or alloying of
 special nuclear material if at any time the total amount of such material in
 the custody of the insured at the premises where such equipment or device is
 located consists of or contains more than 25 grams of plutonium or uranium
 233 or any combination thereof, or more than 250 grams of uranium 235.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (d)

 	
 any
structure, basin, excavation, premises or place prepared or used for the
storage or disposal of waste.  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 and
 includes the site on which any of the foregoing is located, all operations
 conducted on such site and all premises used for such operations;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “nuclear
 reactor” means any apparatus designed or used to sustain nuclear fission in a
 self-supporting chain reaction or to contain a critical mass of fissionable
 material:

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “property
 damage” includes all forms of radioactive contamination of property. 

 
	
  

 	
  

 	
  

 	
  

 
	
 III.

 	
 The
 provisions of this endorsement do not apply to (a) family automobile, comprehensive
 personal and farmer’s comprehensive personal insurance nor to (b) liability
 arising out of the ownership, maintenance or use of any automobile
 principally garaged or registered in the State of New York.

 

In Witness Whereof, the company has caused this endorsement to be
signed by an executive vice president and a secretary.

	
  

 	
  

 
	

 	

 
	
 Secretary

 	
 Executive Vice President

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 . Fred S. James & Co. of Wash. Inc. 

 	
  

 	
  

 	
  

 
	
  

 	
 . P.O. Box 2151

 	
  

 	
  

 	
  

 
	
  

 	
 . Spokane, Washington 99210 

 	
  

 	
  

 	
 LIABILITY INSURANCE POLICY –
 SECTION ONE
(For Automobile Insurance or
 General
Liability Insurance separately
 or combined)

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 . Hecla Mining Company

 	
  

 	
  

 
	
  

 	
 . P.O. Box 320

 	
  

 	
  

 	
  

 
	
  

 	
 . Wallace, Idaho 83800

 	
  

 	
  

 	
  

 
	
  

 	
 . 

 	
  

 	
  

 	
  

 

	
  

 	
  

 
	 
 

	
 The Continental Insurance
 Companies

 

	
  

 	
  

 
	
 GENERAL OFFICES

 
	
 80 Maiden Lane, New York, New York 10038

 
	
 DEPARTMENTAL OFFICES

 
	
 Buckeye
 Department

 	
 1111 East Broad Street, Columbus, Ohio 43216
 

 
	
 Eastern
 Department

 	
 80 Maiden Lane, New York, New York 10038 

 
	
 Foreign
 Department

 	
 80 Maiden Lane, New York, New York 10038 

 
	
 Northeastern
 Department

 	
 333 Glen Street, Glens Falls, New York 12801
 

 
	
 Pacific
 Department

 	
 100 Pine Street, San Francisco, California 94111
 

 
	
 Southeastern
 Department

 	
 161 Peachtree Street, N E., Atlanta, Georgia
 30303 

 
	
 Southwestern
 Department

 	
 1810 Commerce Street, Dallas, Texas 75201 

 
	
 Western
 Department

 	
 360 West Jackson Boulevard, Chicago, Illinois
 60606 

 
	
  

 
	
 Branch and Field Offices in all
 Principal Cities

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 SCHEDULE

 
	
 The insurance afforded is
 only with respect to such of the following coverages as are indicated by specific premium charge or
 charges. The limit of the company’s liability against each such coverage
 shall be as stated herein, subject to all the terms of this policy having
 reference thereto.

 
	
 COVERAGES AND LIMITS OF LIABILITY

 
	
 Coverage A

 	
  

 	
 Coverage B

 
	
 Bodily
 Injury Liability

 	
  

 	
 Property
 Damage Liability

 
	
  

 	
 each
 occurrence

 	
  

 	
 aggregate

 	
  

 	
 each
 occurrence 

 	
  

 	
 aggregate

 
	
 $

 	
 500,000.

 	
 $

 	
 500,000.

 	
 $

 	
 500,000.
 

 	
 $

 	
 500,000.

 
	
 Advance
 Premium 

 	
 $

 	
 18,602.00

 	
  

 	
 Advance
 Premium 

 	
 $

 	
 34,523.00

 
	
 Total
 Advance Premium 

 	
 $

 	
 53,125.00

 	
  

 	
  

 	
  

 	
  

 

GENERAL LIABILITY HAZARDS  

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 Rates

 	
  

 	
 Advance
 Premium

 
	
 Description
 of Hazards

 	
  

 	
 Code
 No.

 	
  

 	
 Premium
 Bases

 	
  

 	
 Bodily
 Injury

 Liability

 	
  

 	
 Property
 Damage

 Liability

 	
  

 	
 Bodily
 Injury

 Liability

 	
  

 	
 Property
 Damage

 Liability

 
	
 (a) Premises—Operations

 	
  

 	
  

 	
  

 	
 (a) Area (sq. ft.)

 (b) Remuneration

 (c)

 	
  

 	
 (a) Per 100sq. ft. of Area

 (b) Per $100 of Remuneration

 (c)

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 As per Form L7240 attached

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 18,517.

 	
  

 	
 34,440.

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (b) Escalators

 	
  

 	
  

 	
  

 	
 Number Insured

 	
  

 	
 Per
 Landing

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (c) Independent Contractors

 	
  

 	
  

 	
  

 	
 Cost

 	
  

 	
 Per
 $100 of Cost

 	
  

 	
  

 	
  

 	
  

 
	
 Construction Operations - owner (not railroads) -
 excluding operations on board ships

 	
  

 	
 16292

 	
  

 	
 TBD

 	
  

 	
 .038
 

 	
  

 	
 .026

 	
  

 	
 at audit

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (d) Completed Operations

 	
  

 	
  

 	
  

 	
 Receipts

 	
  

 	
 Per
 $1,000 of Receipts

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (e) Products

 	
  

 	
  

 	
  

 	
 Sales

 	
  

 	
 Per
 $1,000 of Sales

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Composition Goods

 	
  

 	
 26612

 	
  

 	
 TBD

 	
  

 	
 1.109

 	
  

 	
 .579

 	
  

 	
 85.MP

 	
  

 	
 83.MP

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 GENERAL LIABILITY MINIMUM PREMIUMS 

 
	
 Bodily
 Injury

 Liability

 	
  

 	
 Property
 Damage

 Liability

 	
  

 	
 Bodily
 Injury

 Liability

 	
  

 	
 Property
 Damage

 Liability

 	
  

 	
 Bodily
 Injury

 Liability

 	
  

 	
 Property
 Damage

 Liability

 
	
 (a)
 $          72.

 	
  

 	
 $          35.

 	
  

 	
 (c)
 $          33.

 	
  

 	
 $          35.

 	
  

 	
 (e)    $        
 85.

 	
  

 	
 $          83.

 
	
 (b) $

 	
  

 	
 $

 	
  

 	
 (d) $

 	
  

 	
 $

 	
  

 	
  

 	
  

 	
  

 

	
  

 
	
 Locations of all premises
 owned by, rented to or controlled by the named insured. (Enter “same” if same
 location as address
shown in Item 1, of declarations.)

 
	
           Same                                                                                                                                                            
                               

 
	
  

 
	
 Interest of named insured
 in such premises. (Describe interest, such as “owner”, “general lessee” or
 “tenant”.)       Owner              

 
	
  

 
	
 Part occupied by named
 insured           Entire                                                                                                                                        

 
	
 ___________________________________________________________________________________________________________

 

	
  

 	
  

 	
  

 
	
 The
 foregoing discloses all hazards insured hereunder known to exist at the effective
 date of this policy, unless otherwise stated herein. 

 
	
  

 
	
 When used as a premium basis: 

 
	
  

 
	
  

 	
 1.

 	
 “admissions”
 means the total number of persons, other than employees of the named insured,
 admitted to the event insured or to events conducted on the premises whether
 on paid admission tickets, complimentary tickets or passes;

 
	
  

 	
  

 	
  

 
	
  

 	
 2.

 	
 “cost”
 means the total cost to the named insured with respect to operations
 performed for the named insured during the policy period by independent
 contractors of all work let or sub-let in connection with each specific
 project, including the cost of all labor, materials and equipment furnished,
 used or delivered for use in the execution of such work, whether furnished
 by the owner, contractor or subcontractor, including all fees, allowances,
 bonuses or commissions made, paid or due;

 
	
  

 	
  

 	
  

 
	
  

 	
 3.

 	
 “receipts”
 means the gross amount of money charged by the named insured for such
 operations by the named insured or by others during the policy period as are
 rated on the receipts basis other than receipts from telecasting;
 broadcasting or motion pictures, and includes taxes, other than taxes which
 the named insured collects as a separate item and
 remits directly to a governmental division;

 
	
  

 	
  

 	
  

 
	
  

 	
 4.

 	
 “remuneration”
 means the entire remuneration earned during the policy period by proprietors
 and by all employees of the named insured, other than chauffeurs (except
 operators of mobile equipment) and aircraft pilots and co-pilots, subject to
 any overtime earnings or limitation of remuneration rule applicable in
 accordance with the manuals in use by the company;

 
	
  

 	
  

 	
  

 
	
  

 	
 5.

 	
 “sales”
 means the gross amount of money charged by the named insured or by others
 trading under his name for all goods and products sold or distributed during
 the policy period and charged during the policy period for installation,
 servicing of repair, and includes taxes, other than taxes which the named
 insured and such others collect as a separate item and
 remit directly to a governmental division.

 

	
  

 
	
 Policy Issued By           The
 Continental Insurance
 Company                                        
 Policy No. L1 30 78 76                        

 
	
 Named Insured             Hecla
 Mining Company                                                                                                                            

 

	
  

 
	
 This Coverage Part shall not be binding upon the
 company unless attached to Sections One and Two of the company’s Liability
 Insurance Policy.

 

	
  

 	
  

 
	
 LIAB. 66808 

 	
 PRINTED IN U. S. A. 

 

COMPREHENSIVE
GENERAL LIABILITY INSURANCE

	
  

 	
  

 
	
 I.

 	
 COVERAGE A—BODILY INJURY LIABILITY 

 
	
  

 	
 COVERAGE B—PROPERTY DAMAGE
 LIABILITY

 

          The
company will pay on behalf of the insured all sums which the insured shall
become legally obligated to pay as damages because of

	
  

 	
  

 	
  

 
	
  

 	
 A.

 	
 bodily
 injury or

 
	
  

 	
 B.

 	
 property
 damage

 

to
which this insurance applies, caused by an occurrence, and the company shall
have the right and duty to defend
any suit against the insured seeking damages on account of such bodily injury
or property damage, even if any of the allegations of the suit are groundless,
false or fraudulent, and may make such investigation and settlement of any
claim or suit as it deems expedient, but the company shall not be obligated to
pay any claim or judgment or to defend any suit after the applicable limit of
the company’s liability has been exhausted by payment of Judgments or
settlements. 

Exclusion

          This
insurance does not apply:

	
  

 	
  

 	
  

 
	
 (a)

 	
 to
 liability assumed by the insured under any contract or agreement except an
 incidental contract; but this exclusion does not apply to a warranty of
 fitness or quality of the named insured’s products or a warranty that work
 performed by or on behalf of the named insured will be done in a workmanlike
 manner; 

 
	
  

 	
  

 	
  

 
	
 (b)

 	
 to
 bodily injury or property damage arising out of the ownership, maintenance,
 operation, use, loading or unloading of

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 any
 automobile or aircraft owned or operated by or rented or loaned to any
 insured, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 any
 other automobile or aircraft operated by any person in the course of his
 employment by any insured;

 
	
  

 	
  

 	
  

 
	
  

 	
 but
 this exclusion does not apply to the parking of an automobile on premises
 owned by, rented to or controlled by the named insured or the ways
 immediately adjoining, If such automobile is not owned by or rented or loaned
 to any insured;

 
	
  

 	
  

 	
  

 
	
 (c)

 	
 to
 bodily injury or property damage arising out of (1) the ownership,
 maintenance, operation, use, loading or unloading of any mobile equipment
 while being used in any prearranged or organized racing, speed or demolition
 contest or in any stunting activity or in practice or preparation for any
 such contest or activity or (2) the operation or use of any snowmobile or
 trailer designed for use therewith;

 
	
  

 	
  

 	
  

 
	
 (d)

 	
 to
 bodily injury or property damage arising out of and in the course of the
 transportation of mobile equipment by an automobile owned or operated by or
 rented or loaned to any insured;

 
	
  

 	
  

 	
  

 
	
 (e)

 	
 to
 bodily injury or property damage arising out of the ownership, maintenance,
 operation, use, loading or unloading of

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 any
 watercraft owned or operated by or rented or loaned to any insured, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 any
 other watercraft operated by any person in the course of his employment by
 any insured;

 
	
  

 	
  

 	
  

 
	
  

 	
 but
 this exclusion does not apply to watercraft while ashore on premises owned
 by, rented to or controlled by the named insured; 

 
	
  

 	
  

 	
  

 
	
 (f)

 	
 to
 bodily injury or property damage arising out of the discharge, dispersal,
 release or escape of smoke, vapors, soot, fumes, acids, alkalis, toxic chemicals,
 liquids or gases; waste materials or other irritants, contaminants or
 pollutants into or upon land, the atmosphere or any water course or body of
 water; but this exclusion does not apply if such discharge, dispersal,
 release of escape is sudden and accidental; 

 
	
  

 	
  

 	
  

 
	
 (g)

 	
 to
 bodily injury or property damage due to war, whether or not declared, civil
 war, insurrection, rebellion or revolution or to any act or condition
 incident to any of the foregoing, with respect to

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 liability
 assumed by the insured under an incidental contract, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 expenses
 for first aid under the Supplementary Payments provision;

 
	
  

 	
  

 	
  

 
	
 (h)

 	
 to
 bodily injury or property damage for which the insured or his indemnitee may
 be held liable

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 as
 a person or organization engaged in the business of manufacturing,
 distributing, selling or serving alcoholic beverages, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 If
 not so engaged, as an owner or lessor of premises used for such purposes. 

 
	
  

 	
  

 	
  

 
	
  

 	
 if
 such liability is imposed

 
	
  

 	
  

 	
  

 
	
  

 	
  (i)

 	
 by,
 or because of the violation of, any statute, ordinance or regulation
 pertaining to the sale, gift, distribution or use of any alcoholic beverage,
 or

 
	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
 by
 reason of the selling, serving or giving of any alcoholic beverage to a minor
 or to a person under the influence of alcohol or which causes or contributes
 to the intoxication of any person;

 
	
  

 	
  

 	
  

 
	
  

 	
 but
 part (ii) of this exclusion does not apply with respect to liability of the
 insured or his indemnitee as an owner or lessor described in (2) above;

 
	
  

 	
  

 	
  

 
	
 (i)

 	
 to
 any obligation for which the insured or any carrier as his insurer may be
 held liable under any workmen’s compensation, unemployment compensation or
 disability benefits law, or under any similar law; 

 
	
  

 	
  

 	
  

 
	
 (j)

 	
 to
 bodily injury to any employee of the insured arising out of and in the course
 of his employment by the insured or to any obligation of the insured to
 indemnify another because of damages arising out of such injury; but this
 exclusion does not apply to liability assumed by the insured under an incidental
 contract;

 
	
  

 	
  

 	
  

 
	
 (k)

 	
 to
 property damage to 

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 property
 owned or occupied by or rented to the insured,

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 property
 used by the insured, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 property
 in the care, custody or control of the insured or as to which the insured is
 for any purpose exercising physical control;

 
	
  

 	
  

 	
  

 
	
  

 	
 but
 parts (2) and (3) of this exclusion do not apply with respect to liability
 under a written sidetrack agreement and part (3) of this exclusion does not
 apply with respect to property damage (other than to elevators) arising out
 of the use of an elevator at premises owned by, rented to or controlled by
 the named insured; 

 
	
  

 	
  

 	
  

 
	
 (l)

 	
 to
 property damage to premises alienated by the named insured arising out of
 such premises or any part thereof;

 
	
  

 	
  

 	
  

 
	
 (m)

 	
 to
 loss of use of tangible property which has not been physically injured or
 destroyed resulting from 

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 a
 delay in or lack of performance by or on behalf of the named insured of any
 contract or agreement, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 the
 failure of the named insured’s products or work performed by or on behalf of
 the named insured to meet the level of performance, quality, fitness or
 durability warranted or represented by the named insured; 

 
	
  

 	
  

 	
  

 
	
  

 	
 but
 this exclusion does not apply to loss of use of other tangible property
 resulting from the sudden and accidental physical injury to or destruction of
 the named insured’s products or work performed by or on behalf of the named
 insured after such products or work have been put to use by any person or
 organization other than an insured;

 
	
  

 	
  

 	
  

 
	
 (n)

 	
 to
 property damage to the named insured’s products arising out of such products
 or any part of such products;

 
	
  

 	
  

 	
  

 
	
 (o)

 	
 to
 property damage to work performed by or [ILLEGIBLE] behalf of the named insured arising out of the work or any portion
 thereof, or out of materials, parts or equipment furnished in connection
 therewith;

 
	
  

 	
  

 	
  

 
	
 (p)

 	
 to
 damages claimed for the withdrawal, inspection, repair, replacement, or loss
 of use of the named insured’s products or work completed by or for the named
 insured or of any property of which such products or work form a part if such
 products, work or property are withdrawn from the market or from use because
 of any known or suspected defect or deficiency therein;

 

	
  

 	
  

 
	
 II.

 	
 PERSONS INSURED

 

          Each
of the following is an insured under this insurance to the extent set forth
below: 

	
  

 	
  

 	
  

 
	
 (a)

 	
 If
 the named insured is designated in the declarations as an individual, the
 person so designated but only with respect to the conduct of a business of
 which he is the sole proprietor, and the spouse of the [ILLEGIBLE] insured with respect to the conduct of
 such a business;

 
	
  

 	
  

 	
  

 
	
 (b)

 	
 If
 the named insured is designated in the declarations as a partnership or joint
 venture, the partnership or joint venture so designated and any partner or
 member thereof but only with respect to his liability as such;

 
	
  

 	
  

 	
  

 
	
 (c)

 	
 If
 the named insured is designated in the declarations as other than an
 individual, partnership or joint venture, the organization so designated and
 any executive officer, director or stockholder thereof while acting within
 the scope of his duties as such;

 
	
  

 	
  

 	
  

 
	
 (d)

 	
 any
 person (other than an employee of the named insured) or organization while
 acting as real
 estate manager for the named insured; and

 
	
  

 	
  

 	
  

 
	
 (e)

 	
 with
 respect to the operation, for the purpose of locomotion upon a public
 highway, of mobile equipment registered under any motor vehicle registration
 law, 

 
	
  

 	
  

 	
  

 
	
  

 	
  (i)

 	
 an
 employee of the named insured while operating any such equipment in the
 course of his employment, and

 
	
  

 	
  

 	
  

 
	
  

 	
 (ii)

 	
 any
 other person while operating with the permission of the named insured any
 such equipment registered in the name of the named insured and any person or
 organization legally responsible for such operation, but only if there is no
 other valid and collectible insurance available, either on a primary or
 excess basis, to such person or organization;

 
	
  

 	
  

 	
  

 
	
  

 	
 provided
 that no person or organization shall be an insured under this paragraph (e)
 with respect to:

 
	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 bodily
 injury to any fellow employee of such person injured in the course of his
 employment, or

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 property
 damage to property owned by, rented to, in charge of or occupied by the named
 insured or the employer of any person described in subparagraph (ii).

 
	
  

 	
  

 	
  

 
	
 This
 insurance does not apply to bodily injury or property damage arising out of
 the conduct of any partnership or joint venture of which the insured is a
 partner or member and which is not designated in this policy as a named
 insured.

 

	
  

 	
  

 
	
 III.

 	
 LIMITS OF LIABILITY

 

          Regardless
of the number of (1) insureds under this policy, (2) persons or organizations
who sustain bodily injury or property damage, or (3) claims made or suits
brought on account of bodily injury or property damage, the company’s liability
is limited as follows:

          Coverage A—The total liability of the
company for all damages, including damages for care and loss of services,
because or bodily injury sustained by one or more persons as the result of any
one occurrence shall not exceed the limit of bodily injury liability stated in
the schedule as applicable to “each occurrence.”

          Subject
to the above provision respecting “each occurrence”, the total liability of the
company for all damages because of (1) all bodily injury included within
completed operations hazard and (2) all bodily injury included within the
products hazard shall not exceed the limit of bodily injury liability stated in
the schedule as “aggregate”. 

          Coverage B—The total liability of the
company for all damages because of all property damage sustained by one or more
persons or organizations as the result of any one occurrence shall not exceed
the limit of property damage liability stated in the schedule as applicable to
“each occurrence”.

          Subject
to the above provision respecting “each occurrence”, the total liability of the
company for all damages because of all property damage to which this coverage
applies and described in any of the numbered subparagraphs below shall not
exceed the limit of property damage liability stated in the schedule as
“aggregate”;

	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 all
 property damage arising out of premises or operations rated on a remuneration
 basis or contractor’s equipment rated on a receipts basis, including property
 damage for which liability is assumed under any incidental contract relating
 to such premises or operations, but excluding property damage included in
 subparagraph (2) below:

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 all
 property damage arising out of and occurring in the course of operations
 performed for the named insured by independent contractors and general
 supervision thereof by the named insured, including any such property damage
 for which liability is assumed under any incidental contract relating to such
 operations, but this subparagraph (2) does not include property damage
 arising out of maintenance or repairs at premises owned by or rented to the
 named insured or structural alterations at such premises which do not involve
 changing the size of or moving buildings or other structures;

 
	
  

 	
  

 	
  

 
	
  

 	
 (3)

 	
 all
 property damage included within the products hazard and all property damage
 included within the completed operations hazard.

 

          Such
aggregate limit shall apply separately to the property damage described in
sub-paragraphs (1), (2) and (3) above, and under subparagraphs (1) and (2),
separately with respect to each project away from premises owned by or rented
to the named insured.

          Coverages A and B—For the purpose of
determining the limit of the company’s liability, all bodily injury and
property damage arising out of continuous or repeated exposure to substantially
the same general conditions shall be considered as arising out of one
occurrence.

	
  

 	
  

 
	
 IV.

 	
 POLICY TERRITORY

 

          This
insurance applies only to bodily injury or property damage which occurs within
the policy territory.

	
  

 	
  

 	
  

 
	
 LIAB. 6680B

 	
 OVER

 	
  

 

The
company named in the declarations (a stock insurance company, herein called the
company) in consideration of the payment of the premium, in reliance upon the
statements in the declarations made a part hereof and subject to all of the
terms of this policy, agrees with the named insured as follows:

SUPPLEMENTARY
PAYMENTS

          The
company will pay, in addition to the applicable limit of liability:

          (a)
all expenses incurred by the company, all costs taxed against the insured in
any suit defended by the company and all interest on the entire amount of any
judgment therein which accrues after entry of the judgment and before the
company has paid or tendered or deposited in court that part of the judgment
which does not exceed the limit of the company’s liability thereon;

          (b)
premiums on appeal bonds required in any such suit, premiums on bonds to
release attachments in any such suit for an amount not in excess of the
applicable limit of liability of this policy, and the cost of bail bonds
required of the insured because of accident or traffic law violation arising
out of the use of any vehicle to which this policy applies, not to exceed $250
per bail bond, but the company shall have no obligation to apply for or furnish
any such bonds;

          (c)
expenses incurred by the insured for first aid to others at the time of an
accident, for bodily injury to which this policy applies;

          (d)
reasonable expenses incurred by the insured at the company’s request (in
assisting the company in the investigation or defense of any claim or suit,)
including actual loss of earnings not to exceed $25 per day.

DEFINITIONS

          When
used in this policy (including endorsements forming a part hereof):

          “automobile” means a land motor vehicle,
trailer or semitrailer designed for travel on public roads (including any
machinery or apparatus attached thereto), but does not include mobile
equipment;

          “bodily injury” means bodily injury,
sickness or disease sustained by any person which occurs during the policy
period, including death at any time resulting therefrom;

          “completed operations hazard” includes
bodily injury and property damage arising out of operations or reliance upon a
representation or warranty made at any time with respect thereto, but only if
the bodily injury or property damage occurs after such operations have been
completed or abandoned and occurs away from premises owned by or rented to the
named insured. “Operations” include materials, parts or equipment furnished in
connection therewith. Operations shall be deemed completed at the earliest of
the following times:

	
  

 	
  

 
	
 (1)

 	
 when
 all operations to be performed by or on behalf of the named insured under the
 contract have been completed,

 
	
  

 	
  

 
	
 (2)

 	
 when
 all operations to be performed by or on behalf of the named insured at the
 site of the operations have been completed, or

 
	
  

 	
  

 
	
 (3)

 	
 when
 the portion of the work out of which the injury or damage arises has been put
 to its intended use by any person or organization other than another
 contractor or sub- contractor engaged in performing operations for a
 principal as a part of the same project.

 

          Operations
which may require further service or maintenance work, or correction, repair
or replacement because of any defect or deficiency, but which are otherwise
complete, shall be deemed completed.

          The
completed operations hazard does not include bodily injury or property damage
arising out of

(a)
operations in connection with the transportation of property, unless the bodily
injury or property damage arises out of a condition in or on a vehicle created
by the loading or unloading thereof,

(b)
the existence of tools, uninstalled equipment or abandoned or unused materials,
or

(c)
operations for which the classification stated in the policy or in the
company’s manual specifies “including completed operations”;

          “elevator” means any hoisting or lowering
device to connect floors or landings, whether or not in service, and all
appliances thereof including any car, platform, shaft, hoistway, stairway,
runway, power equipment and machinery; but does not include an automobile
servicing hoist, or a hoist without a platform outside a building if without
mechanical power or if not attached to building walls, or a hod or material
hoist used in alteration, construction or demolition operations, or an inclined
conveyor used exclusively for carrying property or a dumbwaiter used
exclusively for carrying property and having a compartment height not
exceeding four feet;

          “incidental contract” means any written (1)
lease of premises, (2) easement agreement, except in connection with
construction or demolition operations on or adjacent to a rail-road, (3)
undertaking to indemnify a municipality required by municipal ordinance, except
in connection with work for the municipality, (4) sidetrack agreement, or (5)
elevator maintenance agreement;

          “insured” means any person or organization
qualifying as an insured in the “Persons Insured” provision of the applicable
insurance coverage. The insurance afforded applies separately to each insured
against whom claim is made or suit is brought, except with respect to the
limits of the company’s liability;

          “mobile equipment” means a land vehicle
(including any machinery or apparatus attached thereto), whether or not
self-propelled, (1) not subject to motor vehicle registration, or (2)
maintained for use exclusively on premises owned by or rented to the named
insured, including the ways immediately adjoining, or (3) designed for use
principally off public roads, or (4) designed or maintained for the sole
purpose of affording mobility to equipment of the following types forming an
integral part of or permanently attached to such vehicle: power cranes,
shovels, loaders, diggers and drills; concrete mixers (other than the
mix-in-transit type); graders, scrapers, rollers and other road construction or
repair equipment; air-compressors, pumps and generators, including spraying,
welding and building cleaning equipment; and geophysical exploration and well
servicing equipment;

          “named insured” means the person or
organization named in Item 1. of the declarations of this policy;

          “named insured’s products” means goods or
products manufactured, sold, handled or distributed by the named insured or by
others trading under his name, including any container thereof (other than a
vehicle), but “named insured’s products” shall not include a vending machine or
any property other than such container, rented to or located for use of others
but not sold;

          “occurrence” means an accident, including
continuous or repeated exposure to conditions, which results in bodily injury
or property damage neither expected nor intended from the standpoint of the
insured;

          “policy territory” means:

	
  

 	
  

 
	
 (1)

 	
 the
 United States of America, its territories or possessions, or Canada, or

 
	
  

 	
  

 
	
 (2)

 	
 international
 waters or air space, provided the bodily injury or property damage does not
 occur in the course of travel or transportation to or from any other country,
 state or nation, or

 
	
  

 	
  

 
	
 (3)

 	
 anywhere
 in the world with respect to damages because of bodily injury or property
 damage arising out of a product which was sold for use or consumption within
 the territory described in paragraph (1) above, provided the original suit
 for such damages is brought within such territory;

 

          “products hazard” includes bodily injury
and property damage arising out of the named insured’s products or reliance
upon a representation or warranty made at any time with respect thereto, but
only if the bodily injury or property damage occurs away from premises owned by
or rented to the named insured and after physical possession of such products
has been relinquished to others;

          “property damage” means (1) physical injury
to or destruction of tangible property which occurs during the policy period,
including the loss of use thereof at any time resulting therefrom, or (2) loss
of use of tangible property which has not been physically injured or destroyed
provided such loss of use is caused by an occurrence during the policy period;

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 

 	
 

 	
 

 	
 

 	
 

 	
 

 	
 

 
	
 Policy
 

 Issued By

 	
  

 	
  

 	
 The Continental Insurance
 Company

 	
      11

 	
 A
 STOCK COMPANY 

 	
      Policy
 No.

      L1     30     78     76

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 [ILLEGIBLE]

 Name

 and

 Address

 	
  

 	
  

 	
 Fred S. James & Co. of
 Wash. Inc.

 P.O. Box 2151

 Spokane, Washington 99210

 	
      46     810     446

 	
      ×  Producer’s
 
               Code

 	
                Renewal of:

     L1     28     53     18

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Item
 1.

 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Hecla Mining Company

 P.O. Box 320

 Wallace, Idaho 83800

 	
  

 	
 The named insured is:

 Individual     o;     Partnership    o;      Corporation     x; 
Joint Venture
      o;

 Other (specify)

 
 Business of the named insured is:

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 Mining

 
	
 Item
 2.

 Policy 

 Period:

 	
  

 	
 From 12:01 A.M., February
 15, 1979 February 15, 1980 

           (Hour
 and Minute)

 
	
  

 	
  

 	
 12:01 A.M., standard time
 at the address of the named insured as stated herein.

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Audit

 Period:

 	
  

 	
 Annual, unless otherwise
 stated.

 

	
  

 	
  

 	
  

 
	
  

 	
 Audit Required

 x
 Yes  o
 No

 	
  

 

LIABILITY INSURANCE POLICY — SECTION TWO — DECLARATIONS

(For Automobile Insurance or General Liability Insurance separately or
combined)

Item 3. The insurance afforded is only with respect to such of the following Coverage
Parts as are indicated by specific premium charge or charges.

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Coverage Parts

 	
  

 	
 Advance 

 Premiums

 	
  

 
	
 Basic Automobile Liability
 Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Comprehensive Automobile
 Liability Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Automobile Medical Payments
 Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Garage Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Uninsured Motorists
 Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Automobile Physical Damage
 Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Automobile Physical Damage
 Insurance (Dealers)

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
 Comprehensive General
 Liability Insurance

 	
  

 	
 $

 	
 53,125.00

 	
  

 
	
 Owners’, Landlords’ and
 Tenants’ Liability Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Manufacturers’ and
 Contractors’ Liability Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Comprehensive Personal
 Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Farmer’s Comprehensive
 Personal Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Contractual Liability
 Insurance

 	
  

 	
 $

 	
 61

 	
  

 
	
 Premises Medical Payments
 Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Owners’ and Contractors’
 Protective Liability Insurance

 	
  

 	
 $

 	
  

 	
  

 
	
 Personal Injury Liability
 Insurance

 	
  

 	
 $

 	
 2,776.00

 	
  

 
	
 Additional Insured (Dr.
 Wilson Blake)

 	
  

 	
 $

 	
 250.00

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
  

 	
  

 	
 $

 	
  

 	
  

 
	
 Total
Advance Premium for this policy   

 	
  

 	
 $

 	
 56,212.00

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Form
 numbers of endorsements forming a part of the policy on its effective date:
 6680, 6688,

 7104, 7165, 7251, 7240, 604, 610

 	
  

 	
  

 	
  

 	
  

 

[ILLEGIBLE] is payable: On effective date of policy
$     56,212.00; 1st Anniversary
$               ; 2nd Anniversary $

This
declarations page shall not be binding on the company unless countersigned by a
duly authorized representative of the company, and attached, when issued, to
Section One of the company’s Liability Insurance Policy, and completed by one
or more Coverage Parts for which there is an advance premium indicated on this
page.

Countersigned by__________________________________________________ 

SCHEDULE EXTENDED 

— GENERAL LIABILITY INSURANCE —

Policy
No.      L1 30 78
76                    Issued to
            Hecla Mining
Company                     
                      
                          

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 RATES

 	
  

 	
 ADVANCE PREMIUM

 	
  

 
	
 DESCRIPTION
 OF HAZARDS

 	
  

 	
 CODE 

 NO.

 	
  

 	
 PREMIUM
 BASES

 	
  

 	
 BODILY
 INJURY LIABILITY

 	
  

 	
 PROPERTY
 DAMAGE 
LIABILITY

 	
  

 	
 BODILY
 INJURY LIABILITY

 	
  

 	
 PROPERTY DAMAGE 
LIABILITY

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Mining NOC

 	
  

 	
  

 	
 12002

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Idaho

 	
  

 	
  

 	
  

 	
  

 	
 b)

 	
 11,000,000

 	
  

 	
  

 	
 .143

 	
  

 	
  

 	
 .163
 

 	
  

 	
  

 	
 15,730.

 	
  

 	
  

 	
 17,930.
 

 	
  

 
	
  

 	
  

 	
  

 	
 X

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 .082

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 9,020.

 	
  

 
	
 Nevada

 	
  

 	
  

 	
  

 	
  

 	
 b)

 	
 17,500

 	
  

 	
  

 	
 .233

 	
  

 	
  

 	
 .117
 

 	
  

 	
  

 	
 41.

 	
  

 	
  

 	
 20.
 

 	
  

 
	
  

 	
  

 	
  

 	
 X

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 .082

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 14.

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Geophysical Exploration -
 all employees - Idaho

 	
  

 	
  

 	
 13841

 	
  

 	
  

 	
 TBD          

 	
  

 	
  

 	
 .555

 	
  

 	
  

 	
 .303

 	
  

 	
  

 	
 at
 audit

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Ore Milling

 	
  

 	
  

 	
 33300

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Idaho

 	
  

 	
  

 	
  

 	
  

 	
 b)

 	
 900,000

 	
  

 	
  

 	
 .304

 	
  

 	
  

 	
 .186

 	
  

 	
  

 	
 2,736.

 	
  

 	
  

 	
 1,674.

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Machine Shops

 	
  

 	
  

 	
 39996

 	
  

 	
  

 	
 TBD

 	
  

 	
  

 	
 .304

 	
  

 	
  

 	
 .186

 	
  

 	
  

 	
 at
 audit

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Broad Form P.O.

 	
  

 	
  

 	
 99982

 	
  

 	
  

 	
 20%

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 5,737.

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Excess Limits

 	
  

 	
  

 	
 99901

 	
  

 	
  

 	
 Flat
 Charge

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 10.

 	
  

 	
  

 	
 45.

 	
  

 

	
  

 	
  

 
	
 LIAB 7240

 	
 PRINTED
 IN U.S.A.

 

PERSONAL INJURY LIABILITY INSURANCE

I. COVERAGE P—PERSONAL INJURY LIABILITY

          The company
will pay on behalf of the insured all sums which the insured shall become
legally obligated to pay as damages because of injury (herein called “personal
injury”) sustained by any person or organization and arising out of one or more
of the following offenses committed in the conduct of the named insured’s
business:  

	
 

	
 

	
 

	
 

	
Group A— 

	
false arrest, detention or imprisonment, or malicious
prosecution;

	
 

	
 

	
 

	
Group B—

	
the publication or utterance of a libel or slander or of
other defamatory or disparaging material, or a publication or utterance in
violation of an individual’s right of privacy; except publications or
utterances in the course of or related to advertising, broadcasting or
telecasting activities conducted by or on behalf of the named insured; 

	
 

	
 

	
 

	
Group C—

	
wrongful entry or eviction, or other invasion of the right of
private occupancy;

if such offense is committed during the policy period within the United
States of America, its territories or possessions, or Canada, and the company
shall have the right and duty to defend any suit against the insured seeking
damages on account of such personal injury even if any of the allegations of
the suit are groundless, false or fraudulent, and may make such investigation and
settlement of any claim or suit as it deems expedient, but the company shall
not be obligated to pay any claim or judgment or to defend any suit after the
applicable limit of the company’s liability has been exhausted by payment of
judgments or settlements. 

Exclusions

	
 

	
 

	
 

	
This
insurance does not apply

	
 

	
 

	
(a)

	
to liability assumed by the insured under any contract or agreement;

	
 

	
 

	
(b)

	
to personal injury arising out of the wilful violation of a penal
statute or ordinance committed by or with the knowledge or consent of any
insured;  

	
 

	
 

	
(c)

	
to personal injury sustained by any person as a result of an offense
directly or indirectly related to the employment of such person by the named
insured;

	
 

	
 

	
(d)

	
to personal injury arising out of any publication or utterance
described in Group B, if the first injurious publication or utterance of the
same or similar material by or on behalf of the named insured was made prior
to the effective date of this insurance;  

	
 

	
 

	
(e)

	
to personal injury arising out of a publication or utterance
described in Group B concerning any organization or business enterprise, or
its products or services, made by or at the direction of any insured with knowledge
of the falsity thereof.  

II. PERSONS INSURED

          Each
of the following is an insured under this insurance to the extent set forth
below: 

	
 

	
 

	
(a)

	
if the named insured is designated in the declarations as an
individual, the person so designated and his spouse; 

	
 

	
 

	
(b)

	
if the named insured is designated in the declarations as a
partnership or joint venture, the partnership or joint venture so designated
and any partner or member thereof but only with respect to his liability as
such; 

	
 

	
 

	
(c)

	
if the named insured is designated in the declarations as other than
an individual, partnership or joint venture, the organization so designated
and any executive officer, director or stockholder thereof while acting
within the scope of his duties as such. 

          This
insurance does not apply to personal injury arising out of the conduct of any
partnership or joint venture of which the insured is a partner or member and
which is not designated in this policy as a named insured. 

III. LIMITS OF LIABILITY INSUREDS
PARTICIPATION

          Regardless
of the number of (1) insureds under this policy, (2) persons or organizations
who sustain personal injury, or (3) claims made or suits brought on account of
personal injury, the total limit of the company’s liability under this coverage
for all damages shall not exceed the limit of personal injury liability stated
in the schedule as “aggregate”. 

          If a
participation percentage is stated in the schedule for the insured, the company
shall not be liable for a greater proportion of any loss than the difference
between such percentage and one hundred percent and the balance of the loss
shall be borne by the insured; provided, the company may pay the insured’s
portion of a loss to effect settlement of the loss, and, upon notification of
the action taken, the named insured shall promptly reimburse the company therefor.  

IV. ADDITIONAL DEFINITION

	
 

	
 

	
 

	
When used in
reference to this insurance:

	
 

	
“damages” means only those damages which are payable because of
personal injury arising out of an offense to which this insurance applies.  

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
SCHEDULE 

	
 

	
                 99980 @ 15%

	
 

	
      Exclusion (c) deleted

	
 

	
Coverage 

	
 

	
Limits of Liability 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
P.

	
Personal
Injury Liability

	
 

	
$   500,000.
          aggregate 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
The insurance afforded is only with respect to personal injury
arising out of an offense included within such of the following groups of
offenses as are indicated by specific premium charge or charges. 

	
 

	
Insured’s
Participation 0%  

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
Groups of
Offenses 

	
 

	
Advance Premium 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
A.

	
False
Arrest, Detention or Imprisonment, or Malicious Prosecution

	
 

	
$   2,776.00

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
B.

	
Libel,
Slander, Defamation or Violation of Right of Privacy

	
 

	
$   Included 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
C.

	
Wrongful
Entry or Eviction or Other Invasion of Right of Private Occupancy

	
 

	
$   Included 

	
 

	
Minimum
Premium $                  
                   
           Total
Advance Premium

	
 

	
$   2,776.00

	
 

	
Policy Issued By           The Continental Insurance Company
              
                  Policy No. 
       L1 30 78 76         
                 

	
 

	
Named Insured          Hecla Mining Company
                   
                  
                  
                   
                  
                 
           

	
 

	
This
Coverage Part shall not be binding upon the company unless attached to
Sections One and Two of the company’s Liability Insurance Policy.

	
 

	
 

	
LIAB. 66888 

	
PRINTED IN U.S.A. 

BROAD FORM
PROPERTY DAMAGE ENDORSEMENT

(Including Completed Operations)

This
endorsement modifies such insurance as is afforded by the provisions of the
policy relating to the following:

COMPREHENSIVE GENERAL LIABILITY INSURANCE 

CONTRACTUAL LIABILITY INSURANCE

This endorsement forms a part of the
designated policy and applies, unless otherwise stated herein, as of the
effective time and date of such policy.

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
   Policy No.

	
Issued By

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
Producer’s

Name

and

Address

	
 

	
 

	
Producer’s Code

	
 

	
   Effective

	
 

	
.

	
 

	
 

	
 

	
_____________,19 ___at ________.M.

	
 

	
.

..

	
 

	
 

	
 

	
Hour and Minute 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 
.

 .

 .

 .

 	
  

 	
  

 	
  

 	
  

 

It is agreed
that the insurance for property damage
liability applies, subject to the following additional provisions:

	
 

	
 

	
 

	
 

	
 

	
 

	
A.

	
The
exclusions relating to property damage
to (1) property owned, occupied or used by or rented to the insured or in the care, custody or
control of the insured or as to
which the insured is for any
purpose exercising physical control and (2) work performed by or on behalf of
the named insured arising out of
the work or any portion thereof, or out of materials, parts or equipment
furnished in connection therewith, are replaced by the following exclusions
(y) and (z):

	
 

	
 

	
 

	
(y)

	
to property
damage 

	
 

	
 

	
 

	
 

	
 

	
(1)

	
to property
owned or occupied by or rented to the insured,
or, except with respect to the use of elevators,
to property held by the insured for sale or entrusted to the insured for storage or safekeeping, 

	
 

	
 

	
 

	
 

	
 

	
 

	
(2)

	
except with
respect to liability under a written sidetrack agreement or the use of elevators to

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
(a)

	
property
while on premises owned by or rented to the insured for the purpose of having
operations performed on such property by or on behalf of the insured, 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
(b)

	
tools or
equipment while being used by the insured
in performing his operations,

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
(c)

	
property in
the custody of the insured which is to be installed, erected or used in
construction by the insured, 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
(d)

	
that
particular part of any property, not on premises owned by or rented to the insured,

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
(i)

	
upon which
operations are being performed by or on behalf of the insured at the time of the property damage arising out of such
operations, or

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
(ii)

	
out of which
any property damage arises, or

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
(iii)

	
the
restoration, repair or replacement of which has been made or is necessary by
reason of faulty workmanship thereon by or on behalf of the insured;

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
(z)

	
with respect
to the completed operations hazard and with respect to any classification
stated below as “including completed operations”, to property damage to work performed by the named insured arising out of the work or
any portion thereof, or out of materials, parts or equipment furnished in
connection therewith.

	
 

	
 

	
 

	
B.

	
The
insurance afforded by this endorsement shall be excess insurance over any
valid and collectible property insurance (including any deductible portion thereof)
available to the insured, such
as but not limited to Fire and Extended Coverage, Builder’s Risk Coverage or
Installation Risk Coverage, and the “Other Insurance” Condition is amended
accordingly.

Classification

This endorsement shall not be binding upon
the company unless countersigned by a duly authorized representative of the
company.

	
 

	
 

	
Countersigned
by_______________________________________________________

	
 

	
 

	
 

	
LIAB 7104A
ADV 3006 

	
PRINTED IN U.S.A. 

IMPORTANT NOTICE 

As you probably know, the installation of citizens’ band
radios, scanners, two-way mobile radios and telephones in automobiles has become
increasingly popular with car owners across the country. What you may not know
is that the incidence of theft and damage of such equipment has increased at an
even faster rate.

Unfortunately, it is no longer possible for us to cover
communication devices under an automobile policy without charging everyone a
higher premium. In the enclosed policy, you will find an endorsement which
excludes coverage on such equipment.

If you would like to arrange for
insurance on any of these items, please contact your agent.

The Continental Insurance Companies 

AUTO 8243  

NOTICE TO POLICYHOLDER

          This
policy provides Protection Against Uninsured Motorists Coverage in accordance with your state
law which requires this coverage to be included in all automobile
liability policies, subject to rejection by the insured.

          If
you do not desire this additional protection, sign the statement below and return this notice to
your local agent.

	
  

 
	 

 

TO THE COMPANY:

          I request that the Protection Against Uninsured Motorists Coverage be removed from my automobile policy.

	
  

 	
  

 	
  

 
	 
 	
 	 
 
	
 (Signature of Named Insured)

 	
  

 	
 (Policy Number)

 

	
  

 	
  

 
	
 AUTO 6402A

 	
 Printed in U.S.A.

 

	
  

 	
  

 
	
  

 	
 LIABILITY
 INSURANCE POLICY - SECTION ONE

 
	
  

 	
  (For Automobile Insurance or General

 
	
  

 	
 Liability
 Insurance separately or combined)

 

	
  

 	
  

 
	
 

 	
 The Continental Insurance Companies

 
	 
 

GENERAL
OFFICES

80 Maiden Lane,
New York, New York 10038

DEPARTMENTAL OFFICES

	
  

 	
  

 
	
 Buckeye Department

 	
 1111 East Broad
 Street, Columbus, Ohio 43216

 
	
 Eastern Department 

 	
 80 Maiden Lane, New
 York, New York 10038

 
	
 Foreign Department 

 	
 80 Maiden Lane, New
 York. New York 10038

 
	
 Northeastern
 Department 

 	
 291 Glen Street,
 Glens Falls, New York 12801

 
	
 Pacific Department 

 	
 100 Pine Street, San
 Francisco, California 94111

 
	
 Southeastern
 Department 

 	
 161 Peachtree Street,
 N.E., Atlanta, Georgia 30303

 
	
 Southwestern
 Department 

 	
 1810 Commerce Street, Dallas, Texas
 75201

 
	
 Western Department

 	
 360 West Jackson
 Boulevard, Chicago, Illinois 60606

 

Branch and Field Offices in all Principal Cities

The
company named in the declarations (a stock insurance company, herein called the
company) in consideration of the payment of the premium, in reliance upon the
statements in the declarations
made a part hereof and subject to all of the terms of this policy, agrees with
the named insured as follows: 

SUPPLEMENTARY PAYMENTS

The company will pay,
in addition to the applicable limit of liability:

          [ILLEGIBLE]
expenses incurred by the company, all costs taxed against the insured in any
[ILLEGIBLE] ended by the company and all interest on the entire amount of any
judgment [ILLEGIBLE] which
accrues after entry of the judgment and before the company has paid or tendered
or deposited in court that part of the judgment which does not exceed the limit
of the company’s liability thereon; 

          (b)
premiums on appeal bonds required in any such suit, premiums on bonds to
release attachments in any
such suit for an amount not in excess of the applicable limit of liability of this policy, and the cost of bail bonds
required of the insured because of accident or
traffic law violation arising out of the use of any vehicle to which this
policy applies, not to exceed
$250 per bail bond, but the company shall have no obligation to apply for or furnish any such bonds; 

          (c)
expenses incurred by
the insured for first aid to others at the time of an accident, for bodily
injury to which this policy applies;  

          (d)
reasonable expenses
incurred by the insured at the company’s request (in assisting the company in the investigation or defense of any
claim or suit,) including actual loss of earnings not to exceed $25 per day. 

DEFINITIONS

          When
used in this policy (including endorsements forming a part hereof):

          “automobile” means a land motor vehicle, trailer or
semitrailer designed for travel on public roads (including any machinery or
apparatus attached thereto), but does not include mobile equipment; 

          “bodily injury”
means bodily injury, sickness or disease sustained by any person which occurs during the policy period, including death at
any time resulting therefrom;

          “completed operations hazard”
includes bodily injury and property damage arising out of operations or reliance upon a representation or warranty made at any
time with respect thereto, but only if the bodily injury or property damage occurs after such operations have been completed or
abandoned and occurs away from premises owned by or rented to the named insured.
“Operations” include materials, parts or equipment furnished in connection
therewith. Operations shall be deemed completed at the earliest of the
following times:

	
  

 	
  

 
	
 (1)

 	
 when all operations
to be performed by or on behalf of the named insured under the contract have
been completed,

 
	
  

 	
  

 
	
 (2)

 	
 when
all operations to be performed by or on behalf of the named insured at the
site of the operations have been completed, or 

 
	
  

 	
  

 
	
 (3)

 	
 when
 the portion of the work out of which the injury or damage arises has been put
 to its intended use
 by any person or organization other than another contractor or [ILLEGIBLE] contractor engaged in performing
 operations for a principal as a part of the same project.

 

          [ILLEGIBLE]
which may require further service or maintenance work, or correction, re-[ILLEGIBLE] replacement because
of any defect or deficiency, but which are otherwise com-[ILLEGIBLE] all be deemed completed.

          The completed operations hazard does not include bodily injury or property damage arising out of 

(a) operations in connection with the transportation of property, unless the bodily
injury or property damage arises out of a condition in or
on a vehicle created by the loading or unloading thereof, 

(b) the existence of tools, uninstalled equipment or abandoned or unused materials, or

(c) operations for which the classification stated in the policy or in the
company’s manual specifies “including completed operations”;

          “elevator”
means any hoisting or lowering device to connect floors or landings, whether or not in service, and all appliances thereof
including any car, platform, shaft, hoistway, stairway,
runway, power equipment and machinery; but does not include an automobile servicing hoist, or a hoist without a platform
outside a building if without mechanical power or if not attached to building walls, or a hod or material hoist used in
alteration, construction or demolition operations, or an inclined conveyor used exclusively for carrying property or a dumbwaiter used exclusively for carrying
property and having a compartment height not exceeding four feet; 

          “incidental contract” means any written (1) lease of premises, (2)
easement agreement, except in connection with construction or demolition operations on or adjacent to a rail-road,
(3) undertaking to indemnify a municipality required by municipal ordinance, except
in connection with work for the municipality, (4) sidetrack agreement, or (5)
elevator maintenance agreement; 

          “insured” means any person or organization qualifying as an insured in the
“Persons Insured” provision of
the applicable insurance coverage. The insurance afforded applies separately to each insured against whom claim is
made or suit is brought, except with respect to the limits of the company’s liability; 

          “mobile equipment”
means a land vehicle (including any machinery or apparatus attached thereto), whether or not self-propelled, (1)
not subject to motor vehicle registration, or (2) maintained for use exclusively on premises owned by or rented to the
named insured, including the ways immediately adjoining, or (3) designed for use principally off public
roads, or (4) designed or maintained for the sole purpose of affording mobility to equipment of the
following types forming an integral part of or permanently attached to such vehicle: power cranes, shovels, loaders,
diggers and drills; concrete mixers (other than the mix-in-transit type); graders, scrapers, rollers and other
road construction or repair equipment;
air-compressors, pumps and generators, including spraying, welding and building cleaning equipment; and geophysical
exploration and well servicing equipment; 

          “named insured” means the person or organization named in Item 1. of the declarations of this policy;

          “named insured’s products” means goods or products manufactured, sold,
handled or distributed by the named insured or by others trading under his name, including any container
thereof (other than a vehicle), but “named insured’s products” shall not
include a vending machine or any
property other than such container, rented to or located for use of others but not sold;  

          “occurrence”
means an accident, including continuous or repeated exposure to conditions,
which results in bodily injury or property damage neither expected nor intended
from the standpoint of the insured;

          “policy territory” means:

	
  

 	
  

 
	
 (1)

 	
 the United States of
 America, its territories or possessions, or Canada, or

 
	
  

 
	
 (2)

 	
 international
waters or air space, provided the bodily injury or property damage does not occur in the course of travel or
transportation to or from any other country, state or nation, or 

 
	
  

 
	
 (3)

 	
 anywhere
in the world with respect to damages because of bodily injury or property damage arising out of a product which was
sold for use or consumption within the territory described in paragraph (1) above, provided the original
suit for such damages is brought within such territory; 

 

          “products hazard”
includes bodily injury and property damage arising out of the named insured’s products or reliance upon a
representation or warranty made at any time with respect thereto, but only if
the bodily injury or property damage occurs away from premises owned by or rented to the named insured and
after physical possession of such products has been relinquished to others;  

          “property damage”
means (1) physical injury to or destruction of tangible property which occurs during the policy period, including
the loss of use thereof at any time resulting therefrom; or (2) loss of use of tangible property which has not been
physically injured or destroyed provided such loss of use is caused by an occurrence during the policy period; 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
        Fred
 S. James & Co. of Wash. Inc. 

 	
  

 	
  

 
	
  

 	
 •     P.O. Box 2151

 	
  

 	
  

 
	
  

 	
 •     Spokane, Washington 99210

 	
  

 	
 LIABILITY
 INSURANCE POLICY – SECTION ONE

 
	
  

 	
  

 	
  

 	
  (For Automobile Insurance or General

 
	
  

 	
 •     Hecla Mining Company

 	
  

 	
 Liability
 Insurance separately or combined)

 
	
  

 	
 •     P.O. Box 320

 	
  

 	
  

 
	
  

 	
 •     Wallace, Idaho 83800

 	
  

 	
  

 

	
  

 	
  

 
	
 

 	
 The Continental Insurance Companies

 
	 
 

GENERAL OFFICES

80 Maiden Lane,
New York, New York 10038

DEPARTMENTAL OFFICES

	
  

 	
  

 
	
 Buckeye Department

 	
 1111 East Broad Street, Columbus, Ohio
 43216

 
	
 Eastern Department 

 	
 80 Maiden Lane, New
 York, New York 10038

 
	
 Foreign Department 

 	
 80 Maiden Lane, New York,
 New York 10038

 
	
 Northeastern
 Department

 	
 333 Glen Street,
 Glens Falls, New York 12801

 
	
 Pacific Department 

 	
 100 Pine Street, San
 Francisco, California 94111

 
	
 Southeastern
 Department

 	
 161 Peachtree Street,
 N.E., Atlanta, Georgia 30303

 
	
 Southwestern Department

 	
 1810 Commerce Street, Dallas, Texas
 75201

 
	
 Western Department

 	
 360 West Jackson
 Boulevard, Chicago, Illinois 60606

 

Branch and Field Offices in all Principal Cities

CONTRACTUAL LIABILITY INSURANCE
(Blanket Coverage—Broad Form)

This endorsement forms a part of the
designated policy and applies, unless otherwise stated herein, as of the
effective time and date of such policy.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
    Policy No.

 
	
 Issued By

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Producer’s

 Name

 and

 Address

 	
  

 	
  

 	
 Producer’s Code

 	
  

 	
    Effective

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
 _____________,19___at _________.M.

 
	
  

 	
 .
.

 	
  

 	
  

 	
  

 	
 [ILLEGIBLE]  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 
.

 .

 .

 .

 	
  

 	
  

 	
  

 	
  

 

SCHEDULE  

The insurance afforded for contractual liability is only with respect
to such of the following Coverages as are indicated by a specific premium
charge applicable thereto. The limit of the company’s liability against each
such coverage shall be as stated herein, subject to all the terms of this
policy having reference thereto.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Coverages 

 	
  

 	
 Limits of Liability 

 	
  

 	
 Advance Premium 

 
	
 Contractual
 Bodily Injury Liability

 	
  

 	
 $500,000 

 	
 each
 occurrence

 	
  

 	
 $33

 
	
 Contractual
 Property Damage Liability

 	
  

 	
 $500,000 

 	
 each
 occurrence

 	
  

 	
  

 
	
  

 	
  

 	
 $500,000 

 	
 aggregate

 	

  

 	
 $28 

 
	
  

 	
  

 	
 Total Advance Premium

 	
  

 	
 $61

 

The following
exclusions do not apply with respect to any “construction agreement”:

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Designation of Contracts on file 

or known to the company 

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 Rates 

 	
  

 	
 Advance Premium 

 
	
  

 	
 Code 

 	
  

 	
 Premium Bases 

 	
  

 	
 Bodily Injury 

 	
  

 	
 Property Damage 

 	
  

 	
 Bodily Injury 

 	
  

 	
 Property Damage 

 
	
 All written
 Contracts except Nuclear Energy Commission contracts, labor agreements,
 stevedoring contracts, construction agreements with railroads &
 agreements requiring complete indemnification for all occurrences arising out
 of the indemnitor’s operations without reference to negligence.

 	
  

 	
  

 	
  

 	
 (a) Cost 

 (b) Sales

 	
  

 	
 (a) Per $100 of Cost   

 

 (b) Per $1000 of Sales

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 15193

 	
  

 	
 b) 214,060

 	
  

 	
 .050

 	
  

 	
 .035

 	
  

 	
 33mp

 	
  

 	
 28mp

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 Total

 	
  

 	
 $33

 	
  

 	
 $28

 

The company,
in consideration of the payment of the premium and subject to all of the
provisions of the policy not expressly modified herein, agrees with the named
insured as follows:

          I.
COVERAGES - CONTRACTUAL BODILY INJURY LIABILITY

                     
                   CONTRACTUAL
PROPERTY DAMAGE LIABILITY

The company
will pay on behalf of the insured all sums which the insured, by reason of
contractual liability assumed by him under any written contract of the type
designated in the schedule for this insurance, shall become legally obligated
to pay as damages because of  

bodily injury
or  

property damage 

to which this
insurance applies, caused by an occurrence, and the company shall have the
right and duty to defend any suit against the insured seeking damages on
account of such bodily injury or property damage, even if any of the
allegations of the suit are groundless, false or fraudulent, and may make such
investigation and settlement of any claim or suit as it deems expedient, but
the company shall not be obligated to pay any claim or judgment or to defend  

	
  

 	
  

 
	
 (1)

 	
 any
arbitration proceeding wherein the company is not entitled to exercise the
insured’s rights in the choice of arbitrators and in the conduct of such proceedings,
or 

 
	
  

 	
  

 
	
 (2)

 	
 any suit
 after the applicable limit of the company’s liability has been exhausted by
 payment of judgments or settlements.

 

Exclusions

This insurance
does not apply:

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (a)

 	
 to liability
 assumed by the insured under any
 incidental contract:

 
	
  

 	
  

 	
  

 
	
 (b)

 	
 (1) 

 	
 if the
insured is an architect, engineer or surveyor, to bodily injury or property
damage arising out of professional services performed by such
insured, including 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (i)

 	
 the
 preparation or approval of maps, drawings, opinions, reports, surveys, change
 orders, designs or specifications, and

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (ii)

 	
 supervisory,
 inspection or engineering services:

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 if the
 indemnitee of the insured is an
 architect, engineer or surveyor, to the liability of the indemnitee, his
 agents or employees, arising out of 

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (i)

 	
 the
 preparation or approval of maps, drawings, opinions, reports, surveys, change
 orders, designs or specifications, or

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (ii)

 	
 the giving
of or the failure to give directions or instructions by the indemnitee, his
agents or employees, provided such giving or failure to give is the primary
cause of the bodily injury or property
damage; 

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (c)

 	
 to bodily
injury or property damage due to war, whether or not declared, civil war,
insurrection, rebellion or revolution or to any act or condition incident to
any of the foregoing;  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 (d)

 	
 to bodily
injury or property damage for which the indemnitee may be held liable  

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (1)

 	
 as a person
 or organization engaged in the business of manufacturing, distributing,
 selling or serving alcoholic beverages, or 

 
	
  

 	
  

 	
  

 
	
  

 	
 (2)

 	
 if not so
 engaged, as an owner or lessor of premises used for such purposes.

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 if such liability is imposed

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (i)

 	
 by, or
 because of the violation of, any statute, ordinance or regulation pertaining
 to the sale, gift, distribution or use of any alcoholic beverage or

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
 (ii)

 	
 by reason of
 the selling, serving or giving of any alcoholic beverage to a minor or to a
 person under the influence of alcohol or which causes or contributes to the
 intoxication of any person.

 

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (e)

 	
 to any obligation for which the insured or any carrier as his insurer may be held liable
 under any workmen’s compensation, unemployment compensation or disability benefits law, or under any
 similar law;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (f)

 	
 to any obligation for which the insured may be held liable in an action on a contract by a third party
beneficiary for bodily injury or property damage arising out of a project
for a public authority; but this exclusion does not apply to an action by the
public authority or any other person or organization engaged in the project;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (g)

 	
 to property damage to 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1) 

 	
 property owned or occupied by or rented to the insured,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 property used by the insured, or 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (3)

 	
 property in the care, custody or control of the insured or as to
which the insured is for any purpose exercising physical control:  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (h)

 	
 to property damage to premises alienated by the named insured arising
out of such premises or any part thereof:  

 
	
  

 	
  

 	
  

 
	
  

 	
 (i)

 	
 to loss of use of tangible property which has not been physically
 injured or destroyed resulting from

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 a delay in or lack of performance by or on behalf of the named
insured of any contract or agreement, or 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 the failure of the named insured’s products or work performed by or
on behalf of the named insured to meet the level of performance, quality,
fitness or durability warranted or represented by the named insured;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 but this exclusion does not apply to loss of use of other tangible
property resulting from the sudden and accidental physical injury to or
destruction of the named insured’s products or work performed by or on behalf
of the named insured after such products or work have been put to use by any
person or organization other than an insured;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (j)

 	
 to property damage to
the named insured’s products arising out of such products or any part of such products;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (k)

 	
 to property damage to work performed by or on behalf of the named
insured arising out of the work or any portion thereof, or out of materials,
parts or equipment furnished in connection therewith;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (l)

 	
 to damages claimed for the withdrawal, inspection, repair,
replacement, or loss of use of the named insured’s products or work
completed by or for the named insured or of any property of which such
products or work form a part, if such products, work or property are withdrawn
from the market or from use because of any known or suspected defect or
deficiency therein;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (m)

 	
 to bodily injury or property damage arising out of the ownership,
maintenance, operation, use, loading or unloading of any mobile equipment
while being used in any prearranged or organized racing, speed or demolition
contest or in any stunting activity or in practice or preparation for any
such contest or activity;  

 
	
  

 	
  

 	
  

 
	
  

 	
 (n)

 	
 to bodily injury or property damage arising out of the discharge,
dispersal, release or escape of smoke, vapors, soot, fumes, acids, alkalis,
toxic chemicals, liquids or gases, waste materials or other irritants,
contaminants or pollutants into or upon land, the atmosphere or any water
course or body of water; but this exclusion does not apply is such discharge,
dispersal, release or escape is sudden and accidental;  

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Unless stated in the schedule above as not applicable, the following
 exclusions also apply to contractual liability assumed by the insured under
 any agreement relating to construction operations.

 
	
  

 	
  

 	
  

 
	
  

 	
 This insurance does not apply;

 
	
  

 	
  

 	
  

 
	
  

 	
 (o)

 	
 to bodily injury or property damage arising out of construction,
maintenance or repair of watercraft or loading or unloading thereof;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (p)

 	
 to bodily injury or property damage arising out of operations, within
fifty feet of any railroad property, affecting any railroad bridge or
trestle, tracks, road beds, tunnel, underpass or crossing; 

 
	
  

 	
  

 	
  

 
	
 II

 	
 PERSONS INSURED

 
	
  

 	
  

 
	
  

 	
 Each of the following is an insured under this insurance to the extent set forth below: 

 
	
  

 	
  

 
	
  

 	
 (a)

 	
 if the named insured is designated in the declarations as an individual,
the person so designated and his spouse;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 if the named insured is designated in the declarations as a
partnership or joint venture, the partnership or joint venture so designated and any partner or member
thereof but only with respect to his liability as such;

 
	
  

 	
  

 	
  

 
	
  

 	
 (c)

 	
 if the named insured is designated in the declarations as other than
an individual, partnership or joint venture, the organization so designated
and any executive officer, director or stockholder thereof while acting within
the scope of his duties as such. 

 
	
  

 	
  

 	
  

 
	
  

 	
 This insurance does not apply to bodily injury or property damage arising
out of the conduct of any partnership or joint venture of which the
insured is a partner or member and which is not designated in this policy as
a named insured.  

 
	
  

 	
  

 
	
 III.

 	
 LIMITS OF LIABILITY

 
	
  

 	
  

 
	
  

 	
 Regardless of the number of (1) insureds under this policy, (2)
 persons or organizations who sustain bodily injury or property damage, or (3)
 claims made or suits brought on account of bodily injury or property damage,
 the company’s liability is limited as follows:

 
	
  

 	
  

 	
  

 	
  

 
	
 CONTRACTUAL BODILY INJURY LIABILITY

 
	
  

 	
  

 
	
  

 	
 The total liability of the company for all damages, including damages
for care and loss of services, because of bodily injury sustained by one or
more persons as the result of any one occurrence shall not exceed the limit
of bodily injury liability stated in the schedule as applicable to “each
occurrence”. 

 
	
  

 	
  

 	
  

 	
  

 
	
 CONTRACTUAL PROPERTY DAMAGE LIABILITY

 
	
  

 	
  

 
	
  

 	
 The total liability of the company for all damages because of all
property damage sustained by one or more persons or organizations as the
result of any one occurrence shall not exceed the limit of property damage
liability stated in the schedule as applicable to “each occurrence”.  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 Subject to the above provision respecting
“each occurrence”, the total liability of the company for all
damages because of all property damage to which this coverage applies shall
not exceed the limit of property damage liability stated in the schedule as
“aggregate”. Such aggregate limit of liability applies separately with
respect to each project away from premises owned by or rented to the named
insured.  

 
	
  

 	
  

 	
  

 	
  

 
	
 CONTRACTUAL BODILY INJURY AND PROPERTY DAMAGE LIABILITY 

 
	
  

 	
  

 
	
  

 	
 For the purpose of determining the limit of the company’s liability,
all bodily injury and property damage arising out of continuous or repeated
exposure to substantially the same general conditions shall be considered as
arising out of one occurrence.  

 
	
  

 	
  

 
	
 IV.

 	
 ENDORSEMENT TERRITORY

 
	
  

 	
  

 
	
  

 	
 This insurance applies only to bodily injury or property damage which
occurs within the policy territory.  

 
	
  

 	
  

 
	
 V.

 	
 ADDITIONAL DEFINITIONS

 
	
  

 	
  

 
	
  

 	
 When used in reference to this insurance (including
 endorsements forming a part of the policy):

 
	
  

 	
  

 
	
  

 	
 “contractual liability” means liability expressly assumed under a
written contract or agreement; provided, however, that contractual liability
shall not be construed as including liability under a warranty of the
fitness or quality of the named insured’s products or a warranty that work
performed by or on behalf of the named insured will be done in a workmanlike manner;  

 
	
  

 	
  

 
	
  

 	
 “suit” includes an arbitration proceeding to which the insured is
required to submit or to which the insured has submitted with the company’s
consent.  

 
	
  

 	
  

 
	
 VI.

 	
 ADDITIONAL CONDITIONS

 
	
  

 	
  

 
	
 Arbitration 

 	
  

 
	
  

 	
  

 
	
  

 	
 The company shall be entitled to exercise all of the insured’s rights
in the choice of arbitrators and in the conduct of any arbitration
proceeding. 

 
	
  

 	
  

 
	
 Premium 

 	
  

 
	
  

 	
  

 
	
  

 	
 The advance premium stated in the schedule is the estimated premium
on account of such written contracts as are on file with or known to the
company. The named insured shall notify the company of all other written
contracts entered into during the endorsement period to which this insurance
applies. 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 When used as a premium basis:

 
	
  

 	
  

 
	
  

 	
  

 	
 1.

 	
 the word “cost” means the total cost of all work in connection with
all contracts of the type designated in the schedule for this insurance with
respect to which “cost” is the basis of premium, regardless of whether any
liability is assumed under such contracts by the insured. It includes the
cost of all labor, materials and equipment furnished, used or delivered for
use in the execution of such work, whether furnished by the insured, or others
including all fees, allowances, bonuses or commissions made, paid or due. It
shall not include the cost of any operations to which exclusions (o) or (p)
apply, unless such exclusions are voided in the schedule.  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 2.

 	
 the word “sales” means the gross amount of money charged by the named
insured or by others trading under his name for all goods and products sold
or distributed during the endorsement period and charged during the
endorsement period for installation, servicing or repair, and includes taxes,
other than taxes which the named insured and such others collect as a
separate item and remit directly to a governmental division.  

 

This endorsement shall not be binding upon
the company unless countersigned by a duly authorized representative of the
company.

Countersigned by __________________________  

[ILLEGIBLE]

This endorsement forms a part of the
designated policy and applies, unless otherwise stated herein, as of the
effective time and date of such policy.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
    Policy No.

 
	
 Issued By

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Producer’s

 Name

 and

 Address

 	
  

 	
  

 	
    Producer’s Code   

 	
  

 	
    Effective

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
 _____________,19 ___at ________.M.

 
	
  

 	
 .

 .

 	
  

 	
  

 	
  

 	
 [ILLEGIBLE]

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 
.

 .

 .

 .

 	
  

 	
  

 	
  

 	

   ON ACCOUNT OF THE FOLLOWING THE

   ADDITIONAL PREMIUM IS
 $_____________

            RETURN
 PREMIUM IS $_____________

 

	
  

 	
  

 
	
 ADDITIONAL
 INSURED ENDORSEMENT NO. 1

 
	
  

 	
  

 
	
 It
 is hereby agreed that such General Liability Insurance as is afforded by this
 policy applies to the organizations named below:

 
	
  

 	
  

 
	
 1.

 	
 The
 Bunker Hill Company, but only as respects the ownership and operation of the
 Star Mine

 
	
  

 	
  

 
	
 2.

 	
 American
 Smelting & Refining Company, but only as respects The Consolidated Silver
 (Consil) Project

 
	
  

 	
  

 
	
 3.

 	
 Ruby
 Hill Mining Company

 
	
  

 	
  

 
	
 4.

 	
 Newmont
 Mining Company

 
	
  

 	
  

 
	
 5.

 	
 Silver
 Eureka Corporation

 
	
  

 	
  

 
	
 6.

 	
 Cypress
 Exploration Corporation

 
	
  

 	
  

 
	
 7.

 	
 Richmond
 - Eureka Mining Company

 
	
  

 	
  

 
	
 The
 Interest of Additional Insured 3, 4, 5, 6 and 7 apply only as respects the
 ownership and operations of the Ruby Hill Mine and/or The Ruby Hill Project.

 

This endorsement shall not be
binding upon the company unless countersigned by a duly authorized
representative of the company.  

Countersigned
by____________________________________________________

	
  

 	
  

 
	
 LIAB 7251
[ILLEGIBLE]

 	
PRINTED IN U.S.A.

 

This endorsement forms a part of the
designated policy and applies, unless otherwise stated herein, as of the
effective time and date of such policy.

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
    Policy No.

 
	
 Issued By

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Producer’s

 Name

 and

 Address

 	
  

 	
  

 	
    Producer’s Code   

 	
  

 	
    Effective

 
	
  

 	
 .

 	
  

 	
  

 	
  

 	
 _____________,19 ___at ________.M.

 
	
  

 	
 .

 .

 	
  

 	
  

 	
  

 	
 [ILLEGIBLE]

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Named

 Insured

 and Address

 (Number and

 Street, Town or

 City, County

 and State)

 	
  

 	
 
.

 .

 .

 .

 	
  

 	
  

 	
  

 	

   ON ACCOUNT OF THE FOLLOWING THE

   ADDITIONAL PREMIUM IS
 $_____________

            RETURN
 PREMIUM IS $_____________

 

ADDITIONAL INSURED ENDORSEMENT NO. 2

It
is hereby agreed that Sunshine Mining Company as added as an Additional Insured
under Section I and II of this policy, but only with respect to the Consil
Project (Consilidated Silver)

This endorsement shall not be binding upon the company unless
countersigned by a duly authorized representative of the company. 

Countersigned by____________________________________________________

	
  

 	
  

 
	
 LIAB 7251
[ILLEGIBLE]

 	
PRINTED IN U.S.A.

 

This endorsement forms a part of the designated policy
and applies, unless otherwise stated herein, as of the effective time and date
of such policy. 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
   Policy No.

	
Issued By

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
Producer’s

Name

and

Address

	
 

	
 

	
Producer’s Code

	
 

	
   Effective

	
 

	
.

	
 

	
 

	
 

	
_____________,19 ___at ________.M.

	
 

	
.

..

	
 

	
 

	
 

	
[ILLEGIBLE] 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
 

	
Named

Insured

and Address

(Number and

Street, Town or

City, County

and State)

	
 

	

.

..

..

..

	
 

	
 

	
 

	
ON ACCOUNT OF THE FOLLOWING THE
ADDITIONAL PREMIUM IS $ _____
  
      RETURN PREMIUM IS $_____

Additional Insured Endorsement NO. 3

	
 

	
 

	
 

	
In consideration of an
additional premium of $250,00, it is agreed that Dr. Wilson Blake of Hayden
Lake, Idaho is named as an additional insured under this policy, buy only
insofar as a safety study regarding rock mechanics being performed by or
under his supervision at the Star-Morning Mine involving amoung other things,
the use of a Megamatic Drilling System being leased by Blake from the TRW
Mission Manufacturing Company. It is further understood and agreed that
coverage afforded to Dr. Wilson Blake under this endorsement is limited to
work being performed under Contract HO 262039, in which the contracting
parties are Dr. Wilson Blake and the US Department of the Interior, Bureau of
Mines, executed on April 8th, 1976.

This
endorsement shall not be binding upon the company unless countersigned by a
duly authorized representative of the company.

Countersigned
by_________________________________________________________________

	
 

	
 

	
LIAB 7251

	
PRINTED IN U.S.A.

	
 [ILLEGIBLE]

	
 

	
 

	
 

	

	
G610
(Ed. 7-66)

This endorsement forms a part
of the policy to which attached, effective on the inception date of the policy
unless otherwise stated herein. 

 (The following information is required only when this
endorsement is issued subsequent to preparation of policy.)

Endorsement
effective                                           Policy
No.                                                           Endorsement
No.

Named Insured

	
 

	
 

	
 

	
 

	
Countersigned by 

	
 

	
 

	
 

	
(Authorized
Representative)

	
 

	
This
endorsement modifies such insurance as is afforded by the provisions of the
policy relating to the following:

	
 

	
COMPREHENSIVE GENERAL LIABILITY INSURANCE

MANUFACTURERS AND CONTRACTORS LIABILITY INSURANCE 

OWNERS, LANDLORDS AND TENANTS LIABILITY INSURANCE

PRODUCTS HAZARD EXCEPTIONS

It
is agreed that the products hazard does not include bodily injury or property
damage arising out of the named insured’s products manufactured, sold, handled
or distributed in connection with (1) the use of any premises described in this
endorsement, owned by or rented to the named insured or (2) any operation,
described in this endorsement, conducted by or on behalf of the named insured.  

Description of Premises and Operations:

         Geophysical Exploration - all employes
          Code 13841

G610 (Ed. 7-66) 

	
  

 	
  

 
	
 

 	
 G604

 (Ed. 7-66)

 

This endorsement forms a part
of the policy to which attached, effective on the inception date of the policy
unless otherwise stated herein. 

(The following information is required only when this endorsement is
issued subsequent to preparation of policy.)

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Endorsement effective

 Named Insured

 	
  

 	
 Policy No.

 	
  

 	
  

 	
       Endorsement
 No.

 
	
 Additional Premium $

 	
  

 	
  

 	
  

 	
  

 	
 Countersigned by

 	
  

 
	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
 (Authorized
 Representative)

 

	
  

 
	
 This
 endorsement modifies such insurance as is afforded by the provisions of the
 policy relating to the following:

 
	
  

 
	
 COMPREHENSIVE GENERAL LIABILITY INSURANCE

 
	
 MANUFACTURERS AND CONTRACTORS LIABILITY INSURANCE

 
	
 OWNERS AND CONTRACTORS PROTECTIVE LIABILITY INSURANCE

 
	
 OWNERS, LANDLORDS AND TENANTS LIABILITY INSURANCE

 
	
 SMP LIABILITY INSURANCE

 
	
  

 

DEDUCTIBLE LIABILITY INSURANCE

It is agreed that:

	
  

 	
  

 	
  

 
	
 1.

 	
 The
 company’s obligation under the Bodily Injury Liability and Property Damage
 Liability Coverages to pay damages on behalf of the insured applies only to
 the amount of damages in excess of any deductible amounts stated in the
 schedule below as applicable to such coverages.

 
	
  

 	
  

 
	
 2.

 	
 The
 deductible amounts stated in the schedule apply as follows:

 
	
  

 	
  

 
	
  

 	
 (a)

 	
 PER CLAIM BASIS–If the deductible is on a “per claim” basis, the deductible
amount applies under the Bodily Injury Liability or Property Damage Liability
Coverage, respectively, to all damages because of bodily injury sustained by
one person, or to all property damage sustained by one person or
organization, as the result of any one occurrence. 

 
	
  

 	
  

 	
  

 
	
  

 	
 (b)

 	
 PER OCCURRENCE BASIS–If the deductible is on a “per occurrence” basis, the
deductible amount applies under the Bodily Injury Liability or Property
Damage Liability Coverage, respectively, to all damages because of all bodily
injury or property damage as the result of any one occurrence. 

 
	
  

 	
  

 	
  

 
	
 3.

 	
 The
 terms of the policy, including those with respect to (a) the company’s rights
 and duties with respect to the defense of suits and (b) the insured’s duties
 in the event of an occurrence apply irrespective of the application of the
 deductible amount.

 
	
  

 	
  

 
	
 4.

 	
 The
 company may pay any part or all of the deductible amount to effect settlement
 of any claim or suit and, upon notification of the action taken, the named
 insured shall promptly reimburse the company for such part of the deductible
 amount as has been paid by the company.

 

SCHEDULE

	
  

 	
  

 	
  

 	
  

 
	
 Coverage

 	
  

 	
 Amount and
 Basis of Deductible

 
	
 Bodily Injury Liability

 	
  

 	
 $ 

 	
 per claim

 
	
  

 	
  

 	
 $ 

 	
 per occurrence

 
	
 Property Damage Liability

 	
 $          50

 	
 per claim 

 
	
  

 	
  

 	
 $ 

 	
 per occurrence

 

APPLICATION OF ENDORSEMENT (Enter here any limitations on the
application of this endorsement. If no limitation is entered, the deductibles
apply to all loss however caused):–

G604 (Ed. 7-66)

RESIDENT AGENT COUNTERSIGNATURE ENDORSEMENT

Attached to and hereby made
a part of policy number L1 30 78 76

of the Continental Insurance Company

Issued
to Hecla Mining Company

Effective 2-15-79             Expires 2-15-80

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 PERIL

 	
  

 	
 AMOUNT

 	
  

 	
 RATE

 	
  

 	
 PREMIUM

 	
  

 
	
  

 
	
 General Liability

 	
  

 	
 $500,000/500,000  BI

 	
  

 	
 VS

 	
  

 	
 $

 	
 56,212.00
 

 	
  

 
	
  

 	
  

 	
 500,000 PD

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 

The signature hereon is a
valid signature for the above policy to comply with the countersignature laws
and regulations in the State of Idaho insofar as concerns that portion of the
property located in said State.

Countersigned this 20th day of July 1979

	
  

 	
  

 
	
  

 	
 

 
	
  

 	
 Licensed Resident Agent

 
	
  

 	
  

 
	
  

 	
        Boise,
 Idano

 
	
  

 	
 City and State

 

CONDITIONS

          Premium All premiums for this policy
shall be computed in accordance with the company’s rules, rates, rating plans,
premiums and minimum premiums applicable to the insurance afforded herein.

          Premium
designated in this policy as “advance premium” is a deposit premium only which
shall be credited to the amount of the earned premium due at the end of the
policy period. At the close of each period (or part thereof terminating with
the end of the policy period) designated in the declarations as the audit
period the earned premium shall be computed for such period and, upon notice
thereof to the named insured, shall become due and payable. If the total earned
premium for the policy period is less than the premium previously paid, the
company shall return to the named insured the unearned portion paid by the
named insured.  

          The
named insured shall maintain records of such information as is necessary for
premium computation, and shall send copies of such records to the company at
the end of the policy period and at such times during the policy period as the
company may direct. 

2.
Inspection and Audit The company
shall be permitted but not obligated to inspect the named insured’s property
and operations at any time. Neither the company’s right to make inspections nor
the making thereof nor any report thereon shall constitute an undertaking, on
behalf of or for the benefit of the named insured or others, to determine or
warrant that such property or operations are safe or healthful, or are in
compliance with any law, rule or regulation.  

          The
company may examine and audit the named insured’s books and records at any time
during the policy period and extensions thereof and within three years after
the final termination of this policy, as far as they relate to the subject
matter of this insurance.

3. Financial Responsibility Laws When this policy is certified
as proof of financial responsibility for the future under the provisions of
any motor vehicle financial responsibility law, such insurance as is afforded
by this policy for bodily injury liability or for property damage liability
shall comply with the provisions of such law to the extent of the coverage and
limits of liability required by such law. The insured agrees to reimburse the
company for any payment made by the company which it would not have been
obligated to make under the terms of this policy except for the agreement
contained in this paragraph.  

4. Insured’s Duties in the Event of Occurrence, Claim or Suit

	
  

 	
  

 
	
 (a)

 	
 [ILLEGIBLE]
event of an occurrence, written notice containing particulars sufficient to
[ILLEGIBLE] the insured and also reasonably obtainable information with
respect to the time, place and circumstances thereof, and the names and
addresses of the injured and of available witnesses, shall be given by or for
the insured to the company or any of its authorized agents as soon as
practicable.  

 
	
 (b)

 	
 If claim is made or suit is brought against the insured,
the insured shall immediately forward to the company every demand, notice,
summons or other process received by him or his representative.  

 
	
 (c)

 	
 The insured shall cooperate with the company and, upon the
company’s request, assist in making settlements, in the conduct of suits and
in enforcing any right of contribution or indemnity against any person or
organization who may be liable to the insured because of injury or damage
with respect to which insurance is afforded under this policy; and the
insured shall attend hearings and trials and assist in securing and giving
evidence and obtaining the attendance of witnesses. The insured shall not,
except at his own cost, voluntarily make any payment, assume any obligation
or incur any expense other than for first aid to others at the time of
accident.  

 

5. Action Against Company No action shall lie against the
company, unless, as a condition precedent thereto, there shall have been full
compliance with all of the terms of this policy, nor until the amount of the
insured’s obligation to pay shall have been finally determined either by
judgment against the insured after actual trial or by written agreement of
the insured, the claimant and the company.  

          Any
person or organization or the legal representative thereof who has secured such
judgment or written agreement shall thereafter be entitled to recover under
this policy to the extent of the insurance afforded by this policy. No person
or organization shall have any right under this policy to join the company as a
party to any action against the insured to determine the insured’s liability,
nor shall the company be impleaded by the insured or his legal representative.
Bankruptcy or insolvency of the insured or of the insured’s estate shall not
relieve the company of any of its obligations hereunder.  

6. Other Insurance The insurance afforded by this policy is primary insurance,
except when stated to apply in excess of or contingent upon the absence of
other insurance When this insurance is primary and the insured has other
insurance which is stated to be applicable to the loss on an excess or
contingent basis, the amount of the company’s liability under this policy shall
not be reduced by the existence of such other insurance. 

          When
both this insurance and other insurance apply to the loss on the same basis,
whether primary, excess or contingent, the company shall not be liable under
this policy for a greater proportion of the loss than that stated in the
applicable contribution provision below:

	
  

 	
  

 
	
 (a)

 	
 Contribution by Equal Shares. If all of such other valid
 and collectible insurance provides for contribution by equal shares, the
 company shall not be liable for a greater proportion of such loss than would
 be payable if each insurer contributes an equal share until the share of each
 insurer equals the lowest applicable limit of liability under any one policy
 or the full amount of the loss is paid, and with respect to any amount of
 loss not so paid the remaining insurers then continue to contribute equal
 shares of the remaining amount of the loss until each such insurer has paid
 its limit in full or the full amount of the loss is paid.

 
	
 (b)

 	
 Contribution by Limits. If any of such other
 insurance does not provide for contribution by equal shares, the company
 shall not be liable for a greater proportion of such loss than the applicable
 limit of liability under this policy for such loss bears to the total
 applicable limit of liability of all valid and collectible insurance against
 such loss.

 

7. Subrogation In the event of any payment under this policy, the company
shall be subrogated to all the insured’s rights of recovery therefor against
any person or organization and the insured shall execute and deliver
instruments and papers and do whatever else is necessary to secure such rights.
The insured shall do nothing after loss to prejudice such rights.  

8. Changes Notice to any agent or knowledge possessed by any agent or
by any other person shall not effect a waiver or a change in any part of this
policy or estop the company from asserting any right under the terms of this
policy; nor shall the terms of this policy be waived or changed, except by
endorsement issued to form a part of this policy, signed by a duly authorized
representative of the company.

9. Assignment Assignment of interest under this policy shall not bind the
company until its consent is endorsed hereon; if, however, the named insured
shall die, such insurance as is afforded by this policy shall apply (1) to the
named insured’s legal representative, as the named insured, but only while
acting within the scope of his duties as such, and (2) with respect to the
property of the named insured, to the person having proper temporary custody
thereof, as insured, but only until the appointment and qualification of the
legal representative.  

10. Three Year Policy If this policy is issued for a
period of three years any limit of the company’s liability stated in this
policy as “aggregate” shall apply separately to each consecutive annual period
thereof.

11. Cancellation This policy may be cancelled by the named insured by
surrender thereof to the company or any of its authorized agents or by mailing
to the company written notice stating when thereafter the cancellation shall be
effective. This policy may be cancelled by the company by mailing to the named
insured at the address shown in this policy, written notice stating when not
less than ten days thereafter such cancellation shall be effective. The
mailing of notice as aforesaid shall be sufficient proof of notice. The time of
surrender or the effective date and hour of cancellation stated in the notice
shall become the end of the policy period. Delivery of such written notice
either by the named insured or by the company shall be equivalent to mailing.  

          If
the named insured cancels, earned premium shall be computed in accordance with
the customary short rate table and procedure. If the company cancels, earned
premium shall be computed pro rata. Premium adjustment may be made either at
the time cancellation is effected or as soon as practicable after cancellation
becomes effective, but payment or tender of unearned premium is not a condition
of cancellation. 

12. Declarations By acceptance of this policy, the named insured agrees that
the statements in the declarations are his agreements and representations, that
this policy is issued in reliance upon the truth of such representations and
that this policy embodies all agreements existing between himself and the
company or any of its agents relating to this insurance. 

In Witness Whereof, the company has caused this
policy to be signed by an executive vice president and a secretary, but this
policy shall not be binding upon the company unless completed by the attachment
hereto of (1) a Declarations Page described as Section Two and countersigned on
the aforesaid Declarations Page by a duly authorized representative of the
company, and (2) one or more Coverage Parts or which there is an advance
premium indicated on the Declarations Page.

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 

 	
 

 	
  

 
	
 Secretary

 	
 Executive Vice President

 	
  

 

NUCLEAR ENERGY LIABILITY EXCLUSION
ENDORSEMENT—(Broad Form)

	
  

 	
  

 	
  

 	
  

 
	
 I.

 	
 Subject to the Provisions of paragraph III of this
 Endorsement, it is agreed that the policy and any endorsement used
 therewith, regardless of whether such endorsement [ILLEGIBLE] the policy
 exclusions inapplicable does not apply: 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 Under any
 Liability Coverage, to bodily injury or property damage

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 with respect to which an insured under the policy is also
 an insured under a nuclear energy liability policy issued by Nuclear Energy
 Liability Insurance Association, Mutual Atomic Energy Liability
 Underwriters or Nuclear Insurance Association of Canada, or would be an
 insured under any such policy but for its termination upon exhaustion of its
 limit of liability; or

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 resulting from the hazardous properties of nuclear
 material and with respect to which (a) any person or organization is required
 to maintain financial protection pursuant to the Atomic Energy Act of 1954,
 or any law amendatory thereof, or (b) the insured is, or had this policy not
 been issued would be, entitled to indemnity from the United States of
 America, or any agency thereof, under any agreement entered into by the
 United States of America, or any agency thereof, with any person or
 organization.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 B.

 	
 Under any Medical Payments Coverage, or under any
 Supplementary Payments provision relating to first aid, to expenses
 incurred with respect to bodily injury resulting from the hazardous
 properties of nuclear material and arising out of the operation of a nuclear
 facility by any person or organization.

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 C.

 	
 Under any Liability Coverage, to bodily injury or property
damage resulting from the hazardous properties of nuclear material, if  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (1)

 	
 the nuclear material (a) is at any nuclear facility owned
by, or operated by or on behalf of, an insured or (b) has been discharged or
dispersed therefrom; 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (2)

 	
 the nuclear material is contained in spent fuel or waste at
any time possessed, handled, used, processed, stored, transported or
disposed of by or on behalf of an insured; or  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (3)

 	
 the bodily injury or property damage arises out of the
furnishing by an insured of services, materials, parts or equipment in
connection with the planning, construction, maintenance, operation or use
of any nuclear facility, but if such facility is located within the United
States of America, its territories or possessions or Canada, this exclusion
(3) applies only to property damage to such nuclear facility and any property
thereat.  

 
	
  

 	
  

 	
  

 	
  

 
	
 II.

 	
 As used in
 this endorsement:

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “hazardous properties” include
 radioactive, toxic or explosive properties;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “nuclear material” means source material,
special nuclear material or byproduct material;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “source material”,
“special nuclear material”, and “byproduct material” have the meanings given
them in the Atomic Energy Act of 1954 or in any law amendatory thereof;  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “spent fuel”
means any fuel element or fuel component, solid or liquid, which has been
used or exposed to radiation in a nuclear reactor; 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “waste” means
any waste material (1) containing byproduct material and (2) resulting from
the operation by any person or organization of any nuclear facility included
within the definition of nuclear facility under paragraph (a) or (b) thereof;
“nuclear facility” means  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (a)

 	
 any nuclear
 reactor,

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (b)

 	
 any equipment or device designed or used for (1)
separating the isotopes of uranium or plutonium, (2) processing or utilizing
spent fuel, or (3) handling, processing or packaging waste,  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (c)

 	
 any equipment or device used for the processing,
fabricating or alloying of special nuclear material if at any time the total
amount of such material in the custody of the insured at the premises where
such equipment or device is located consists of or contains more than 25
grams of plutonium or uranium 233 or any combination thereof, or more than
250 grams of uranium 235,  

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 (d)

 	
 any
structure, basin, excavation, premises or place prepared or used for the
storage or disposal of waste, 

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 and includes the site on which any of the foregoing is
 located, all operations conducted on such site and all premises used for
 such operations;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “nuclear reactor”
 means any apparatus designed or used to sustain nuclear fission in a
 self-supporting chain reaction or to contain a critical mass of fissionable
 material;

 
	
  

 	
  

 	
  

 	
  

 
	
  

 	
 “property damage” includes all forms of
 radioactive contamination of property. 

 
	
  

 	
  

 	
  

 	
  

 
	
 III.

 	
 The provisions of this endorsement do not apply to (a)
 family automobile, comprehensive personal and farmer’s comprehensive
 personal insurance nor to (b) liability arising out of the ownership,
 maintenance or use of any automobile principally garaged or registered in the
 State of New York.

 

Witness Whereof, the company has caused this
endorsement to be signed by an executive vice president and a secretary.

	
  

 	
  

 	
  

 	
  

 
	
  

 	
 

 	
 

 	
  

 
	
 Secretary 

 	
 Executive Vice President 

 	
  

 

[ILLEGIBLE]

	
  

 
	
 Appendix E 

 
	
 

 
	
 Depiction
 of Lucky Friday Active Area

 

Hecla – Lucky Friday Area Property Descriptions

	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Area

 No.

 	
 Property

 Reference

 	
 S-T-R

 	
 Metes &

 Bounds

 Description

 	
 Surveyor

 	
 Legal Description

 Derived From

 	
 Report

 
	
 1

 	
 Lucky
 Friday Surface

 Plant & adjacent areas

 including Pond 2 (#2),

 ptns of millsites (#3),

 ptns of mineral

 surveys (#4) and

 Atlas (#5)

 	
 35-48N-5E

 	
 Yes

 	
 David
 Evans and

 Associates

 	
 Property
 Annexation

 into City of Mullan

 6/2/2008

 	
 Yes

 
	
 2

 	
 Pond
 2

 	
 35-48N-5E

 	
 Yes

 	
 N/A

 	
 Deed
 from Day Mines

 to Hecla 12/28/1967

 	
 No

 
	
 3

 	
 MS732
 (Ryan

 Millsite)

 MS733 (Thomas

 Brennan Millsite)

 MS734 (PM

 Hennessey Millsite)

 MS735 (PT Kavanah

 Millsite)

 	
 35-48N-5E

 	
 Yes

 	
 N/A

 	
 1887-1888
 Field Notes

 and Millsite Surveys

 	
 No

 
	
 4

 	
 MS
 3028 (Lucky

 Friday, Lucky Friday

 Fr. 2, Good Friday,

 Northern Light)

 	
 35-48N-5E

 	
 Yes

 	
 N/A

 	
 1923
 Field Notes and

 Mineral Survey

 	
 No

 
	
 5

 	
 Atlas
 Property

 	
 35-48N-5E

 	
 Yes

 	
 Meckel
 Engineering

 	
 Record
 of Survey

 2000

 	
 Yes

 
	
 6

 	
 Last
 Chance

 	
 35-48N-5E

 36-48N-5E

 	
 Yes

 	
 N/A

 	
 Quitclaim
 Deed from

 Philp to Hecla

 9/14/2000

 	
 No

 
	
 7

 	
 Pond
 3 (Sekulic Fish

 Pond/Shuler/Mayes)

 	
 36-48N-5E

 	
 Yes

 	
 N/A

 	
 Quitclaim
 Deed from

 Shuler to Hecla

 12/23/71; Warranty

 Deed from Mayes to

 Hecla 2/18/1981

 	
 No

 
	
 8

 	
 Pond
 3-Lindroos

 (Angle/Myers)

 	
 36-48N-5E

 	
 Yes

 	
 N/A

 	
 Warranty
 Deed from

 Angle to Hecla

 1/4//1971; Warranty

 Deed from Myers to

 Hecla 1/8/1971

 	
 No

 
	
 9

 	
 Garcia

 	
 36-48N-5E

 	
 Yes

 	
 Silver
 Valley

 Engineering

 	
 Record
 of Survey

 1994

 	
 Yes

 
	
 10

 	
 Nystrum
 (aka

 Nystrom)

 	
 31-48N-6E

 	
 No

 (Rectangular

 Survey)

 	
 N/A

 	
 Homestead
 Plat

 10/16/26 (Cortez

 Silver-Lead Corp. to

 Hecla 10/21/1965)

 	
 No

 
	
 11

 	
 Silver
 Mountain

 	
 31-48N-6E

 	
 No

 (Rectangular

 Survey)

 	
 N/A

 	
 U.S.
 Patent

 10/13/1993 Land

 Exchange Survey

 1993

 	
 Yes

 
	
 12

 	
 Pond
 4

 	
 32-48N-6E

 33-48N-6E

 	
 Yes

 	
 David
 Evans and

 Associates

 	
 Record
 of Survey

 2007

 	
 Yes

 
	
 13

 	
 National
 Adit

 	
 25-48N-5E

 	
 No

 	
 N/A

 	
 Point
 of Diversion for

 Water Pipeline

 	
 No

 

4/14/2011 

	
  

 
	
 Appendix F 

 
	
 

 
	
 Information
 on Other Excluded Locations

 

That portion of the Southwest Quarter of the Northwest
 Quarter of Section 11, Township 50 North, Range 5 West Boise Meridian,
 Kootenai County, State of Idaho, described as follows:  

Commencing at the West Quarter corner of said Section 11; thence 

North along the West line of said Section, 466.70 feet to the
 True Point of Beginning; thence 

East parallel with the South line of said Southwest Quarter
 of the Northwest Quarter to the West line of that certain 25 foot strip of land
 described in Parcel 1 of Quitclaim Deed to James J. Biggs and Cindy R. Biggs,
 recorded July 10,1981 as Instrument No. 880666 in Book 313 of Deeds, Page 619; thence 

North 32°27’ West along said West line to the Southeasterly
 line of the existing County Road; thence 

Southwesterly along the Southeasterly side of said County Road
 to the intersection with the West line of the Northwest Quarter of said Section
 11; thence 

South along said West line to the True Point of Beginning 

Excepting therefrom that portion shown as Parcel 2 in
 Quitclaim Deed from Pike W. Reynolds to James J. Biggs, etux recorded July
 10, 1981 as Instrument No. 880666 in Book 313, Deeds, Page 619  

“Palisades
Property” (APN 47N01E153300) – 40 acres 

NW1/4 of the NW1/4 of Section
15, Township 47 North, Range 01 East 

	
  

 
	
 Appendix G 

 
	

 

 
	
 Depiction of Star Tailings
Ponds 

 

	
  

 
	
 Appendix H-1 

 
	

 

 
	
 Performance Guarantee (EPA) 

 

PAYMENT BOND

	
  

 
	
 Surety’s
 Payment Bond Number: _______________________ 

 
	
 Date of
 Execution of Payment Bond: _______________________ 

 
	
 Effective
 Date of Payment Bond: _______________________ 

 
	
 Total Dollar
 Amount of Payment Bond: _______________________

 

	
  

 	
  

 	
  

 
	
 Principal:

 	
  

 
	
  

 	
 Legal Name
 and Address:

 	
 Hecla
 Limited

 
	
  

 	
  

 	
 Attn:
 General Counsel

 
	
  

 	
  

 	
 6500 N.
 Mineral Dr., Suite 200

 
	
  

 	
  

 	
 Coeur
 d’Alene, ID 83815-9408

 
	
  

 	
 Type of
 Organization:

 	
 Corporation

 
	
  

 	
 State of
 Organization:

 	
 Delaware

 
	
  

 	
  

 	
  

 
	
 Surety:

 	
  

 	
  

 
	
  

 	
 Legal Name
 and Address:

 	
 [name and
 business address of surety providing the bond]

 
	
  

 	
 Type of
 Organization:

 	
 [insert
 “individual,” “partnership,” “limited liability

 
	
  

 	
  

 	
 company,”
 “corporation,” etc.]

 
	
  

 	
 State of
 Organization:

 	
  

 
	
  

 	
  

 	
  

 
	
 Obligee:

 	
  

 
	
  

 	
 Legal Name
 and Address:

 	
 United
 States Environmental Protection Agency

 
	
  

 	
  

 	
 c/o Regional
 Counsel

 
	
  

 	
  

 	
 Office of
 Regional Counsel

 
	
  

 	
  

 	
 U.S.
 Environmental Protection Agency, Region 10

 
	
  

 	
  

 	
 1200 Sixth
 Avenue

 
	
  

 	
  

 	
 Seattle, WA
 98101

 
	
  

 	
  

 	
 Attention:
 Ted Yackulic

 

	
  

 	
  

 	
  

 
	
 Site
 Information:

 	
  

 
	
  

 	
 Name and
 Location of Site:

 	
  

 
	
  

 	
 EPA
 Identification Number: [Site or CERCLIS ID Number, if applicable]

 
	
  

 	
 Agreement
 Governing Settlement: [That certain [Consent Decree] [Administrative

 
	
  

 	
  

 	
 Order
 on Consent] dated ____________ ____, 2011, by

 
	
  

 	
  

 	
 and among
 the United States of America,

 
	
  

 	
  

 	
 ______________, and ____________________ (the

 
	
  

 	
  

 	
 “Agreement”)]

 

KNOW ALL PERSONS BY THESE PRESENTS, THAT: 

          WHEREAS, said Principal is required, under
the above-described Agreement, to make certain payments as defined in Section
VI. Payments, Deliveries and Guarantees, Paragraphs 6(d)-6(f) and 7(d)-7(f) of
the Agreement (hereinafter the “Payments”); and 

1

          WHEREAS, said Principal is required under Section
VI Paragraph 16 of the Agreement to provide financial assurance securing the
Payments. 

          NOW,
THEREFORE, in consideration of the foregoing, and for
other good and valuable consideration the receipt of which is hereby
acknowledged, the parties hereto agree as follows: 

          1.          The
Principal and Surety hereto are firmly bound to the United States Environmental
Protection Agency (hereinafter, “EPA”), in the above Total Dollar Amount, for
the payment of which we, the Principal and Surety, bind ourselves, our heirs,
executors, administrators, successors, and assigns, jointly and severally,
subject to and in accordance with the terms and conditions hereof. 

          2.          The
conditions of the Surety’s obligation hereunder are such that if the Principal
shall promptly, faithfully, fully, and finally make the payment required in
Section VI Paragraph ________ in accordance with the terms of the Agreement, the
Surety’s obligation hereunder shall be null and void; otherwise it is to
remain in full force and effect. 

          3.          The
Surety shall become liable on this obligation evidenced hereby only upon the
Principal’s default of the payment required in Section VI Paragraph ________ (as
such term is defined in the Agreement) pursuant to and in accordance with the
terms of the Agreement. At any time and from time to time upon notification by
the EPA (or any other designees) that the Principal has defaulted on the
payment, the Surety shall promptly (and in any event within fifteen (15)
business days after receiving such notification) pay funds up to the Total
Dollar Amount in such amounts and to such person(s), account(s), or otherwise
as the EPA (or their designee) may direct. If the Surety does not render such
payments within the specified 15 business-day period, the Surety shall be
deemed in default of this Payment Bond and EPA shall be entitled to enforce any
remedy available to it at law, in equity, or otherwise. 

          4.          In no
event shall the aggregate obligation of the Surety hereunder exceed the Total
Dollar Amount of this Payment Bond. The liability of the Surety shall be reduced
by rider as Payments are made. 

          5.          The
Surety may cancel this Payment Bond only by sending notice of cancellation to
the Principal and to the EPA, provided, however, that no such cancellation
shall be effective during the 120-day period beginning on the date of receipt
of the notice of cancellation by both the Principal and the EPA. If after
ninety (90) days of such 120-day period, the Principal has not established a replacement
financial assurance mechanism pursuant to and in accordance with the terms of
the Agreement, EPA shall have the right to draw upon the full amount of this
Payment Bond. 

          6.          The
Principal may terminate this Payment Bond only by sending written notice of
termination to the Surety and to the EPA, provided, however, that no such
termination shall become effective unless and until the Surety receives written
authorization for termination of this Payment Bond by the EPA (or his or her designee).

          7.          Any
modification, revision, or amendment which may be made in the terms of the 

2

Agreement, or
any extension of the Agreement, or other forbearance on the part of either the
Principal or EPA to the other, shall not in any way release the Principal and
the Surety, or either of them, or their heirs, executors, administrators,
successors or assigns from liability hereunder. The Surety hereby expressly
waives notice of any change, revision, or amendment to the Agreement or to any
related obligations between the Principal and EPA, excluding Section VI
Payments, Deliveries and Guarantees, Paragraph _____. 

          8.          The
Surety will immediately notify EPA of any of the following events: (a) the
filing by the Surety of a petition seeking to take advantage of any laws
relating to bankruptcy, insolvency, reorganization, winding up or composition
or adjustment of debts; (b) the Surety’s consent to (or failure to contest in a
timely manner) any petition filed against it in an involuntary case under such
bankruptcy or other laws; (c) the Surety’s application for (or consent to or
failure to contest in a timely manner) the appointment of, or the taking of
possession by, a receiver, custodian, trustee, liquidator, or the like of itself
or of all or a substantial part of its assets; (d) the Surety’s making a
general assignment for the benefit of creditors; or (e) the Surety’s taking any
corporate action for the purpose of effecting any of the foregoing. 

          9.          In
the event any of the terms of this Bond are contrary to or in violation of any
applicable law, those terms shall be deemed deleted from the Bond without
affecting the validity of the remaining provisions of the Bond. 

          10.        All
notices, consents, approvals and requests required or permitted hereunder shall
be given in writing and shall be effective for all purposes if hand delivered
or sent by (a) certified or registered United States mail, postage prepaid,
return receipt requested or (b) expedited prepaid delivery service, either
commercial or United States Postal Service, with proof of attempted delivery,
to the address shown on this first page of this Payment Bond. 

          All
notices, elections, requests and demands under this Payment Bond shall be
effective and deemed received upon the earliest of (a) the actual receipt of
the same by personal delivery or otherwise, (b) one (1) business day after
being deposited with a nationally recognized overnight courier service as
required above, or (c) three (3) business days after being deposited in the
United States mail as required above. Rejection or other refusal to accept or
the inability to deliver because of changed address of which no notice was
given as herein required shall be deemed to be receipt of the notice, election,
request, or demand sent. 

          11.        The
Surety hereby agrees that the obligations of the Surety under this Payment Bond
shall be in no way impaired or affected by any winding up, insolvency,
bankruptcy or reorganization of the Principal or by any other arrangement or
rearrangement of the Principal for the benefit of creditors. 

          12.        No
right of action shall accrue on this Payment Bond to or for the use of any
person other than EPA or the executors, administrators, successors or assigns of
EPA. 

3

          IN
WITNESS WHEREOF, the Principal and Surety have
executed this Payment Bond and have affixed their seals on the date set forth
above. 

The persons
whose signatures appear below hereby represent, warrant, and certify that they
are authorized to execute this Payment Bond on behalf of the Principal and
Surety, respectively. 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 PRINCIPAL:

 	
 Hecla
 Limited,

 
	
  

 	
  

 	
  

 	
  

 	
 a
 corporation organized and in good

 
	
  

 	
  

 	
  

 	
  

 	
 standing in
 the State of Delaware

 
	
 Attest: 

 	
 ________________________________

 	
  

 	
 By:
 ________________________

 
	
 Name:

 	
 ________________________________

 	
  

 	
 Name:
 ________________________

 
	
  

 	
  

 	
  

 	
  

 	
 Title:
 ________________________

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
  

 	
  

 	
 SURETY:

 	
  

 	
 [________________________],

 
	
  

 	
  

 	
  

 	
  

 	
 a
 [corporation/partnership/limited liability

 
	
  

 	
  

 	
  

 	
  

 	
 company]
 organized and in good standing in

 
	
  

 	
  

 	
  

 	
  

 	
 the State of
 [_____________]

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Attest: 

 	
 ________________________________

 	
  

 	
 By:
 ________________________

 
	
 Name:

 	
 ________________________________

 	
  

 	
 Name:
 ________________________

 
	
  

 	
  

 	
  

 	
  

 	
 Title:
 ________________________

 
	
  

 	
  

 	
  

 	
  

 	
  

 

4

	
  

 
	
 Appendix H-2 

 
	

 
	
 Performance
 Guarantee (Trustees)

 

PAYMENT BOND

	
  

 
	
 Surety’s
 Payment Bond Number: ________________________________________

 
	
 Date of
 Execution of Payment Bond: __________________________________________

 
	
 Effective
 Date of Payment Bond: ________________________________________

 
	
 Total Dollar
 Amount of Payment Bond: ____________________________________________

 

	
  

 	
  

 	
  

 	
  

 
	
 Principal:

 	
  

 	
  

 
	
  

 	
 Legal Name
 and Address:

 	
  

 	
 Hecla
 Limited

 Attn: General Counsel

 6500 N. Mineral Dr., Suite 200

 Coeur d’Alene, ID 83815-9408

 
	
  

 	
 Type of
 Organization:

 	
  

 	
 Corporation

 
	
  

 	
 State of
 Organization:

 	
  

 	
 Delaware

 
	
  

 	
  

 	
  

 	
  

 
	
 Surety:

 	
  

 	
  

 
	
  

 	
 Legal Name
 and Address: [name and business address of surety providing the bond]

 
	
  

 	
 Type of
 Organization: [insert “individual,” “partnership,” “limited liability

 
	
 company,” “corporation,” etc.]

 
	
  

 	
 State of
 Organization:

 	
  

 	
  

 
	
  

 	
  

 	
  

 	
  

 
	
 Obligee:

 	
  

 	
  

 
	
  

 	
 Legal Name
 and Address:

 	
  

 	
 Coeur
 d’Alene Basin Trustee Council

 c/o U.S. Fish & Wildlife Service Pacific Region,

 Regional Office

 Kathleen Moynan, DOI Project Manager

 911 NE 11th Avenue

 Portland, Oregon 97232

 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Site
 Information:

 	
  

 	
  

 
	
  

 	
 Name and
 Location of Site:

 	
  

 	
  

 
	
  

 	
 EPA
 Identification Number: [Site or CERCLIS ID Number, if applicable]

 
	
  

 	
 Agreement
 Governing Settlement: [That certain [Consent Decree] [Administrative

 
	
  

 	
  

 	
  

 	
  

 	
 Order on Consent]
 dated _________ ____, 2011, by

 
	
  

 	
  

 	
  

 	
  

 	
 and among
 the United States of America,

 
	
  

 	
  

 	
  

 	
  

 	
 _____________,
 and ____________________ (the

 
	
  

 	
  

 	
  

 	
  

 	
 “Agreement”)]

 

KNOW ALL PERSONS BY THESE PRESENTS, THAT:

          WHEREAS, said Principal is required, under
the above-described Agreement, to make certain payments as defined in Section
VI. Payments, Deliveries and Guarantees, Paragraphs 6(d)-6(f) and 7(d)-7(f) of
the Agreement (hereinafter the “Payments”); and

1 

          WHEREAS, said Principal is required under
Section VI Paragraph 16 of the Agreement to provide financial assurance securing the Payments. 

          NOW, THEREFORE, in consideration of the
foregoing, and for other good and valuable consideration the receipt of which
is hereby acknowledged, the parties hereto agree as follows: 

          1.          The
Principal and Surety hereto are firmly bound to the Natural Resource Damages
Trustees (hereinafter,
“Trustees”), in the above Total Dollar Amount, for the payment of which we, the
Principal and Surety, bind ourselves, our heirs, executors, administrators,
successors, and assigns, jointly and severally, subject to and in accordance
with the terms and conditions hereof. 

          2.          The
conditions of the Surety’s obligation hereunder are such that if the Principal
shall promptly, faithfully, fully, and finally make the payment required in
Section VI Paragraph ________ in accordance with the terms of the Agreement, the
Surety’s obligation hereunder shall be null and void; otherwise it is to
remain in full force and effect. 

          3.     The
Surety shall become liable on this obligation evidenced hereby only upon the
Principal’s default of the payment required in Section VI Paragraph ________ (as
such term is defined in the Agreement) pursuant to and in accordance with the
terms of the Agreement. At any time and from time to time upon notification by
the Trustees (or any other designees) that the Principal has defaulted on the
payment, the Surety shall promptly (and in any event within fifteen (15)
business days after receiving such notification) pay funds up to the Total
Dollar Amount in such amounts and to such person(s), account(s), or otherwise
as the Trustees (or their designee) may direct. If the Surety does not render
such payments within the specified 15 business-day period, the Surety shall be
deemed in default of this Payment Bond and Trustees shall be entitled to enforce
any remedy available to it at law, in equity, or otherwise. 

          4.          In no
event shall the aggregate obligation of the Surety hereunder exceed the Total
Dollar Amount of this Payment Bond. The liability of the Surety shall be reduced
by rider as Payments are made. 

          5.          The
Surety may cancel this Payment Bond only by sending notice of cancellation to
the Principal and to the Trustees, provided, however, that no such cancellation
shall be effective during the 120-day period beginning on the date of receipt
of the notice of cancellation by both the Principal and the Trustees. If after ninety (90) days of such 120-day
period, the Principal has not established a replacement financial assurance
mechanism pursuant to and in accordance with the terms of the Agreement,
Trustees shall have the right to draw upon the full amount of this Payment
Bond. 

          6.          The
Principal may terminate this Payment Bond only by sending written notice of
termination to the Surety and to the Trustees,
provided, however, that no such termination shall become effective unless and
until the Surety receives written authorization for termination of this Payment
Bond by the Trustees (or his or her designee). 

          7.          Any
modification, revision, or amendment which may be made in the terms of the 

2 

Agreement, or
any extension of the Agreement, or other forbearance on the part of either the
Principal or Trustees to the other, shall not in any way release the Principal
and the Surety, or either of them, or their heirs, executors, administrators,
successors or assigns from liability hereunder. The Surety hereby expressly
waives notice of any change, revision, or amendment to the Agreement or to any
related obligations between the Principal and Trustees, excluding Section VI
Payments, Deliveries and Guarantees, Paragraph _____. 

          8.          The
Surety will immediately notify Trustees of any of the following events: (a) the
filing by the Surety of a petition seeking to take advantage of any laws
relating to bankruptcy, insolvency, reorganization, winding up or composition
or adjustment of debts; (b) the Surety’s consent to (or failure to contest in a
timely manner) any petition filed against it in an involuntary case under such
bankruptcy or other laws; (c) the Surety’s application for (or consent to or
failure to contest in a timely manner) the appointment of, or the taking of
possession by, a receiver, custodian, trustee, liquidator, or the like of
itself or of all or a substantial part of its assets; (d) the Surety’s making a
general assignment for the benefit of creditors; or (e) the Surety’s taking any
corporate action for the purpose of effecting any of the foregoing. 

          9.          In
the event any of the terms of this Bond are contrary to or in violation of any
applicable law, those terms shall be deemed deleted from the Bond without
affecting the validity of the remaining provisions of the Bond. 

          10.         All
notices, consents, approvals and requests required or permitted hereunder shall
be given in writing and shall be effective for all purposes if hand delivered
or sent by (a) certified or registered United States mail, postage prepaid,
return receipt requested or (b) expedited prepaid delivery service, either
commercial or United States Postal Service, with proof of attempted delivery,
to the address shown on this first page of this Payment Bond. 

          All
notices, elections, requests and demands under this Payment Bond shall be
effective and deemed received upon the earliest of (a) the actual receipt of
the same by personal delivery or otherwise, (b) one (1) business day after
being deposited with a nationally recognized overnight courier service as
required above, or (c) three (3) business days after being deposited in the
United States mail as required above. Rejection or other refusal to accept or
the inability to deliver because of changed address of which no notice was
given as herein required shall be deemed to be receipt of the notice, election,
request, or demand sent. 

          11.         The
Surety hereby agrees that the obligations of the Surety under this Payment Bond
shall be in no way impaired or affected by any winding up, insolvency,
bankruptcy or reorganization of the Principal or by any other arrangement or
rearrangement of the Principal for the benefit of creditors. 

          12.         No
right of action shall accrue on this Payment Bond to or for the use of any
person other than Trustees or the executors, administrators, successors or
assigns of Trustees. 

3 

          IN WITNESS WHEREOF, the Principal and
Surety have executed this Payment Bond and have affixed their seals on the date
set forth above. 

The persons
whose signatures appear below hereby represent, warrant, and certify that they
are authorized to execute this Payment Bond on behalf of the Principal and
Surety, respectively. 

	
  

 	
  

 	
  

 	
  

 	
  

 
	
 PRINCIPAL:

 	
  

 	
 Hecla
 Limited,

 a corporation organized and in good

 standing in the State of Delaware

 
	
 Attest: 

 	
 ______________________________________

 	
  

 	
  

 	
 By:
 _________________________________

 
	
 Name:

 	
 ______________________________________

 	
  

 	
  

 	
 Name:
 __________________________________

 
	
  

 	
  

 	
  

 	
  

 	
 Title: __________________________________

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 SURETY:      

 	
  

 	
 [________________________],

 
	
  

 	
  

 	
  

 	
  

 	
 a
 [corporation/partnership/limited liability

 company] organized and in good standing in

 the State of [____________]

 
	
  

 	
  

 	
  

 	
  

 	
  

 
	
 Attest:

 	
 ______________________________________

 	
  

 	
  

 	
 By:
 _________________________________

 
	
 Name:

 	
 ______________________________________

 	
  

 	
  

 	
 Name:
 __________________________________

 
	
  

 	
  

 	
  

 	
  

 	
 Title:
 _________________________________

 

4 

	
  

 
	
 Appendix
 I

 
	

 
	
 Depiction
 of Lucky Friday Tailings Pond #1

 

	
  

 
	
 Appendix
 J

 
	

 
	
 Notice
 of Consent Decree

 

NOTICE OF CONSENT DECREE

          This
Notice of Consent Decree (“Notice”) is made this __ day of _______, 2011 by
Hecla Limited (“Grantor”) for the benefit of the United States of America on
behalf of the United States Environmental Protection Agency (“EPA”) and the
State of Idaho on behalf of the Idaho Department of Environmental Quality
(“Department”), and is given pursuant to the requirements of that certain
Consent Decree entered in the United States District Court, District of Idaho,
Cause Nos. 96-0122-N-EJL, 91-0342-N-EJL, 94-0206-N-HLR, on ___________, 2011
(“Consent Decree”). 

          Grantor
is the fee owner of certain real property located in the County of Shoshone,
State of Idaho that is more particularly described on Exhibit A to this Notice (the “Real
Property”). Pursuant to the Consent Decree, notice is given to all persons
taking any interest in the Real Property that the Real Property is part of the
Bunker Hill Mining and Metallurgical Complex Superfund Site (the “Site”), as
that term is defined in the Consent Decree, that EPA has selected or may select
a remedy for the Site or certain areas of the Site, that the remedy does or may
affect the Real Property and that Hecla Limited has entered into the Consent
Decree which requires that certain Proprietary Controls attach and run with the
Real Property pursuant to an Environmental Covenant in order to enable
implementation of that remedy. 

          Notice
is further given that the said Proprietary Controls prohibit use of the Real
Property that would interfere with or adversely affect the implementation,
integrity, or protectiveness of the removal or remedial measures to be
performed at the Site. 

1

	
  

 	
  

 	
  

 
	
 HECLA
 LIMITED

 
	
  

 
	
 By:

 	
  

 
	
 Its:

 	
  

 
	
 Dated:

 	
  

 
	
  

 
	
 ADD
 ACKNOWLEDGEMENTS

 

2 

	
  

 
	
 Appendix K

 
	

 
	
 Court
 Order for Court Registry Deposit

 

	
  

 	
  

 	
  

 
	
 IN THE UNITED STATES DISTRICT COURT

 
	
 FOR THE DISTRICT OF IDAHO

 
	
  

 	
  

 	
  

 
	
  

 	
  

 	
  

 
	
  

 	
 )

 	
  

 
	
  

 	
 )

 	
  

 
	
 UNITED
 STATES OF AMERICA,

 	
 )

 	
  

 
	
  

 	
 )

 	
  

 
	
 Plaintiff,

 	
 )

 	
  

 
	
  

 	
 )

 	
 No. 96-0122-N-EJL

 
	
 v.                            

 	
 )

 	
 No. 91-0342-N-EJL

 
	
  

 	
 )

 	
 No. 94-0206-N-HLR

 
	
 HECLA
 LIMITED, a Delaware Corporation,

 	
 )

 	
  

 
	
  

 	
 )

 	
 ORDER

 
	
 Defendant.

 	
 )

 	
  

 
	
  

 	
 )

 	
  

 
	
  

 	
  

 	
  

 
	
  

 	
 )

 	
  

 
	
 and
 CONSOLIDATED CASES.

 	
 )

 	
  

 
	
  

 	
 )

 	
  

 

          The
above-entitled cause having come before the Court upon the Unopposed Motion to
Deposit Certain Funds into the Registry of the Court pursuant to Fed. R. Civ.
P. 67 and L. Civ. R. 67.1, and the Court having considered the motion, 

          NOW,
THEREFORE, it is 

          ORDERED
that the Unopposed Motion to Deposit Certain Funds into the Registry of the
Court shall be, and is hereby, granted. 

          IT
IS ORDERED that the Clerk of the Court invest the amounts received pursuant to
Paragraphs 6(a) and (c) of the Consent Decree entered in this matter with Hecla
Limited, et al. in an
automatically renewable type of account or instrument (i.e., time certificate, treasury bill, or passbook
account), in the name of the Clerk of the Court, U.S. District Court, at (name
of bank, savings and loan, brokerage house, etc.) said funds to remain invested
pending further order of the Court. 

          IT
IS FURTHER ORDERED that the Clerk of the Court must deduct a fee from the
income earned on the investment equal to ten percent (10%) of the income earned
while the funds are held in the Court’s registry fund regardless of the nature
of the case underlying the investment and without further order of the Court.
The interest payable to the U.S. Courts must be paid prior to any other
distribution of the account. Investments having a maturity date will be
assessed the fee at the time the investment instrument matures. However, the
fee deducted from any funds to be received by the United States shall be
restored pursuant to the Notice of the Administrative Office of the United States
Court published at 56 Fed. Reg.
56356-01 (November 4, 1991). 

          IT
IS FURTHER ORDERED that counsel presenting this Order personally serve a copy
thereof on the Clerk of the Court or his or her financial deputy. 

- 1 -

          IT
IS FURTHER ORDERED that Hecla Limited shall make the aforementioned payment by
certified or bank check made payable to the “Clerk, United States District
Court.” The check shall include on its face the terms, U.S. et al v. Hecla
Limited, Civil Action No. 96-0122-N-EJL, and a copy of the payment document
shall be sent to counsel for the United States and the State pursuant to
Consent Decree Section XXIII (Notices and Submissions). 

          IT
IS FURTHER ORDERED that all funds deposited pursuant to this Order shall not be
disbursed or withdrawn by any person except in accordance with the terms of the
Consent Decree, and pursuant to a further order of this Court. 

SO ORDERED
THIS _____________DAY OF ___________________, 2011. 

	
  

 	
  

 
	
  

 	
 Hon. Edward
 J. Lodge

 
	
  

 	
 United
 States District Judge

 

- 2 -EXHIBIT 10.1

FIELD POINT CAPITAL MANAGEMENT COMPANY
ONE LANDMARK SQUARE, SUITE 1900
STAMFORD, CT 06901

June 6, 2011

PASSUR Aerospace, Inc.
One Landmark Square, Suite 1900
Stamford, CT 06901

As Chairman of the Board as well as the principal shareholder of PASSUR
Aerospace, Inc. ("PASSUR Aerospace" or the "Company"), I make the following
commitment to the Company with respect to the period from the date of this
commitment through June 6, 2012.

LIQUIDITY

I commit that if the Company at any time is unable to meet its obligations
through June 6, 2012, that I will provide the necessary continuing financial
support to the Company to ensure the Company's ability to operate as a going
concern through the period ending June 6, 2012. Such continuing support may take
the form of additional loans or advances to PASSUR Aerospace in addition to the
deferral of principal and/or interest payments due on outstanding loans to
PASSUR Aerospace as referred to above.

These commitments are not conditional and are irrevocable through the period
ending June 6, 2012.

I, G.S. Beckwith Gilbert, having the financial wherewithal to enter into this
irrevocable commitment, make the above commitments to the Company and its
shareholders.

/s/ G.S. Beckwith Gilbert
--------------------------
G.S. Beckwith Gilbert
President

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