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ARBITRATION AND SUIT

In the event that the Assured and Insurers shall fail to agree as to any matter as respects this Policy: A. As a first step, the decision shall be left to a single arbitrator, if the parties can agree on a single arbitrator. Failing such agreement, each shall, on the written demand of either, select a competent and disinterested arbitrator, one to be appointed by the Assured and one to be appointed by Insurers.

The arbitrators then together shall first select a competent and disinterested umpire, and failing for fifteen (15) days to agree upon such umpire then at the request of the Assured or Insurers, such umpire shall be selected by a judge of an English court having general jurisdiction in the area which includes the address of the Assured. The arbitrators together shall then decide the issue or issues and failing to agree shall submit their differences only to the umpire. An award in writing of any two amongst the arbitrators and the umpire when filed with Insurers shall determine the issue or issues. Each arbitrator shall be paid by the party (ies) selecting him and the expenses of arbitration and of the umpire or single arbitrator, if any, shall be paid equally by the Assured (fifty percent (50 %)) and Insurers (fifty percent (50 %)). B. Notwithstanding the above provision A., in the event that the Assured and Insurers shall still have dispute under this Policy, this Policy shall be subject to Russian law and practice but shall be subject to English jurisdiction. No suit or action on this insurance for the recovery of any claim shall be sustainable in any court of law or equity unless the Assured shall have fully complied with all the requirements of this insurance, and unless commenced within twenty four (24) months after the time a cause of action for the loss accrues, provided, however, that where such limitation of time is prohibited by Russian law and practice, then and in that event, no suit or action under this insurance shall be sustained, unless commenced within the shortest time limitation permitted under such law and practice.

EXTENDED EXPIRATION

Ifthis Policy should expire or be cancelled while an Occurrence or Accident giving rise to a loss recoverable under this Policy is in progress, it is understood and agreed that said loss, subject to all other terms and conditions and the limit of liability will be covered under this Policy as if the entire loss had occurred prior to such expiration or cancellation.

CLAUSE PARAMOUNT (ADDENDUM 42B) AND BUYBACK

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