<div class="xtend">
         <div class="xtend_ce"><a id="pl.1.1"></a><var>1.1</var>A bill for an act<br />
            		
         </div><a id="pl.1.2"></a><var>1.2</var>relating to insurance; regulating foreign language policies and advertising; <br />
         		<a id="pl.1.3"></a><var>1.3</var>authorizing electronic notices and documents;amending Minnesota Statutes <br />
         		<a id="pl.1.4"></a><var>1.4</var>2012, sections 60A.08, by adding a subdivision; 65A.01, subdivision 3; <br />
         		<a id="pl.1.5"></a><var>1.5</var>proposing coding for new law in Minnesota Statutes, chapter 60A; repealing <br />
         		<a id="pl.1.6"></a><var>1.6</var>Minnesota Rules, part 2700.0200.<br />
         		<a id="pl.1.7"></a><var>1.7</var>BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:<br />
         		<br />
         		<a id="bill.0.1.0"></a><a id="pl.1.8"></a><var>1.8</var>&nbsp;&nbsp;&nbsp;&nbsp;Section 1. Minnesota Statutes 2012, section 60A.08, is amended by adding a <br />
         		<a id="pl.1.9"></a><var>1.9</var>subdivision to read:<br />
         		<a id="pl.1.10"></a><var>1.10</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 16. <b>Foreign language policies and advertising.</b> (a) Insurance policies, <br />
         		<a id="pl.1.11"></a><var>1.11</var>endorsements, riders, and any explanatory or advertising material may be issued in a <br />
         		<a id="pl.1.12"></a><var>1.12</var>language other than English. In the event of a dispute or complaint regarding the insurance <br />
         		<a id="pl.1.13"></a><var>1.13</var>or advertising material, the English language version of the insurance coverage shall <br />
         		<a id="pl.1.14"></a><var>1.14</var>control the resolution of the dispute or complaint. Any insurance policy, endorsement, <br />
         		<a id="pl.1.15"></a><var>1.15</var>rider, or advertising material required by law to be filed with the commissioner that is <br />
         		<a id="pl.1.16"></a><var>1.16</var>prepared in a language other than English must be accompanied by an English language <br />
         		<a id="pl.1.17"></a><var>1.17</var>translation certifying that the English version is substantively identical to the filed version.<br />
         		<a id="pl.1.18"></a><var>1.18</var>(b) This subdivision does not limit the application of chapter 72A.<br />
         		<br />
         		<a id="bill.0.2.0"></a><a id="pl.1.19"></a><var>1.19</var>&nbsp;&nbsp;&nbsp;&nbsp;Sec. 2. <b>[60A.139] ELECTRONIC NOTICES AND DOCUMENTS.</b><br />
         		<a id="pl.1.20"></a><var>1.20</var>&nbsp;&nbsp;&nbsp;&nbsp;Subdivision 1. <b>Terms defined.</b> In this section, the following words have the <br />
         		<a id="pl.1.21"></a><var>1.21</var>meanings given them:<br />
         		<a id="pl.1.22"></a><var>1.22</var>(1) "delivered by electronic means" includes:<br />
         		<a id="pl.1.23"></a><var>1.23</var>(i) delivery to an e-mail address at which a party has consented to receive notices or <br />
         		<a id="pl.1.24"></a><var>1.24</var>documents; or<br />
         		<a id="pl.2.1"></a><var>2.1</var>(ii) posting on an electronic network or Web site accessible via the Internet, mobile <br />
         		<a id="pl.2.2"></a><var>2.2</var>application, computer, mobile device, tablet, or other electronic device, together with <br />
         		<a id="pl.2.3"></a><var>2.3</var>separate notice of posting, which must be provided by electronic mail to the address at <br />
         		<a id="pl.2.4"></a><var>2.4</var>which the party has consented to receive notice or by any other delivery method that <br />
         		<a id="pl.2.5"></a><var>2.5</var>has been consented to by the party; and<br />
         		<a id="pl.2.6"></a><var>2.6</var>(2) "party" means a recipient of a notice or document required as part of an insurance <br />
         		<a id="pl.2.7"></a><var>2.7</var>transaction including, but not limited to, an applicant, an insured, a policyholder, or an <br />
         		<a id="pl.2.8"></a><var>2.8</var>annuity contract holder.<br />
         		<a id="pl.2.9"></a><var>2.9</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 2. <b>Requirements.</b> Subject to subdivision 4, a notice to a party or other <br />
         		<a id="pl.2.10"></a><var>2.10</var>document required under applicable law in an insurance transaction or that is to serve as <br />
         		<a id="pl.2.11"></a><var>2.11</var>evidence of insurance coverage may be delivered, stored, and presented by electronic <br />
         		<a id="pl.2.12"></a><var>2.12</var>means so long as it meets the requirements of the Uniform Electronic Transactions Act, <br />
         		<a id="pl.2.13"></a><var>2.13</var>chapter 325L.<br />
         		<a id="pl.2.14"></a><var>2.14</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 3. <b>Equivalent to other required methods.</b> Delivery of a notice or document <br />
         		<a id="pl.2.15"></a><var>2.15</var>in accordance with this section is considered equivalent to a delivery method required <br />
         		<a id="pl.2.16"></a><var>2.16</var>under applicable law, including delivery by first class mail; first class mail, postage <br />
         		<a id="pl.2.17"></a><var>2.17</var>prepaid; certified mail; certificate of mail; or certificate of mailing.<br />
         		<a id="pl.2.18"></a><var>2.18</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 4. <b>Conditions for electronic delivery.</b> A notice or document may be <br />
         		<a id="pl.2.19"></a><var>2.19</var>delivered by electronic means by an insurer to a party under this section if:<br />
         		<a id="pl.2.20"></a><var>2.20</var>(1) the party has affirmatively consented to that method of delivery and has not <br />
         		<a id="pl.2.21"></a><var>2.21</var>withdrawn the consent;<br />
         		<a id="pl.2.22"></a><var>2.22</var>(2) the party, before giving consent, is provided with a clear and conspicuous <br />
         		<a id="pl.2.23"></a><var>2.23</var>statement informing the party of:<br />
         		<a id="pl.2.24"></a><var>2.24</var>(i) a right or option of the party to have the notice or document provided or made <br />
         		<a id="pl.2.25"></a><var>2.25</var>available in paper or another nonelectronic form;<br />
         		<a id="pl.2.26"></a><var>2.26</var>(ii) the right of the party to withdraw consent to have a notice or document delivered <br />
         		<a id="pl.2.27"></a><var>2.27</var>by electronic means and any fees, conditions, or consequences imposed in the event <br />
         		<a id="pl.2.28"></a><var>2.28</var>consent is withdrawn;<br />
         		<a id="pl.2.29"></a><var>2.29</var>(iii) whether the party's consent applies:<br />
         		<a id="pl.2.30"></a><var>2.30</var>(A) only to the particular transaction as to which the notice or document must be <br />
         		<a id="pl.2.31"></a><var>2.31</var>given; or<br />
         		<a id="pl.2.32"></a><var>2.32</var>(B) to identified categories of notices or documents that may be delivered by <br />
         		<a id="pl.2.33"></a><var>2.33</var>electronic means during the course of the parties' relationship;<br />
         		<a id="pl.2.34"></a><var>2.34</var>(iv)(A) the means, after consent is given, by which a party may obtain a paper copy <br />
         		<a id="pl.2.35"></a><var>2.35</var>of a notice or document delivered by electronic means; and<br />
         		<a id="pl.2.36"></a><var>2.36</var>(B) the fee, if any, for the paper copy; and<br />
         		<a id="pl.3.1"></a><var>3.1</var>(v) the procedure a party must follow to withdraw consent to have a notice or <br />
         		<a id="pl.3.2"></a><var>3.2</var>document delivered by electronic means and to update information needed to contact <br />
         		<a id="pl.3.3"></a><var>3.3</var>the party electronically;<br />
         		<a id="pl.3.4"></a><var>3.4</var>(3) the party:<br />
         		<a id="pl.3.5"></a><var>3.5</var>(i) before giving consent, is provided with a statement of the hardware and software <br />
         		<a id="pl.3.6"></a><var>3.6</var>requirements for access to and retention of a notice or document delivered by electronic <br />
         		<a id="pl.3.7"></a><var>3.7</var>means; and<br />
         		<a id="pl.3.8"></a><var>3.8</var>(ii) consents electronically, or confirms consent electronically, in a manner that <br />
         		<a id="pl.3.9"></a><var>3.9</var>reasonably demonstrates that the party can access information in the electronic form that <br />
         		<a id="pl.3.10"></a><var>3.10</var>will be used for notices or documents delivered by electronic means to which the party has <br />
         		<a id="pl.3.11"></a><var>3.11</var>given consent; and<br />
         		<a id="pl.3.12"></a><var>3.12</var>(4) after consent of the party is given, the insurer, in the event a change in the <br />
         		<a id="pl.3.13"></a><var>3.13</var>hardware or software requirements needed to access or retain a notice or document <br />
         		<a id="pl.3.14"></a><var>3.14</var>delivered by electronic means creates a material risk that the party will not be able to <br />
         		<a id="pl.3.15"></a><var>3.15</var>access or retain a subsequent notice or document to which the consent applies:<br />
         		<a id="pl.3.16"></a><var>3.16</var>(i) provides the party with a statement of:<br />
         		<a id="pl.3.17"></a><var>3.17</var>(A) the revised hardware and software requirements for access to and retention of a <br />
         		<a id="pl.3.18"></a><var>3.18</var>notice or document delivered by electronic means;<br />
         		<a id="pl.3.19"></a><var>3.19</var>(B) the right of the party to withdraw consent without the imposition of a fee, <br />
         		<a id="pl.3.20"></a><var>3.20</var>condition, or consequence that was not disclosed under clause (2); and<br />
         		<a id="pl.3.21"></a><var>3.21</var>(ii) complies with clause (2).<br />
         		<a id="pl.3.22"></a><var>3.22</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 5. <b>Content or timing not affected.</b> This section does not affect requirements <br />
         		<a id="pl.3.23"></a><var>3.23</var>related to content or timing of a notice or document required under applicable law.<br />
         		<a id="pl.3.24"></a><var>3.24</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 6. <b>Verification or acknowledgement of receipt.</b> If a provision of applicable <br />
         		<a id="pl.3.25"></a><var>3.25</var>law requiring a notice or document to be provided to a party expressly requires verification <br />
         		<a id="pl.3.26"></a><var>3.26</var>or acknowledgement of receipt of the notice or document, the notice or document may <br />
         		<a id="pl.3.27"></a><var>3.27</var>be delivered by electronic means only if the method used provides for verification or <br />
         		<a id="pl.3.28"></a><var>3.28</var>acknowledgement of receipt.<br />
         		<a id="pl.3.29"></a><var>3.29</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 7. <b>Failure to obtain consent.</b> The legal effectiveness, validity, or <br />
         		<a id="pl.3.30"></a><var>3.30</var>enforceability of a contract or policy of insurance executed by a party may not be denied <br />
         		<a id="pl.3.31"></a><var>3.31</var>solely because of the failure to obtain electronic consent or confirmation of consent of the <br />
         		<a id="pl.3.32"></a><var>3.32</var>party in accordance with subdivision 4, clause (3), item (ii).<br />
         		<a id="pl.3.33"></a><var>3.33</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 8. <b>Withdrawal of consent.</b> (a) A withdrawal of consent by a party does not <br />
         		<a id="pl.3.34"></a><var>3.34</var>affect the legal effectiveness, validity, or enforceability of a notice or document delivered <br />
         		<a id="pl.3.35"></a><var>3.35</var>by electronic means to the party before the withdrawal of consent is effective.<br />
         		<a id="pl.4.1"></a><var>4.1</var>(b) A withdrawal of consent by a party is effective within a reasonable period of <br />
         		<a id="pl.4.2"></a><var>4.2</var>time after receipt of the withdrawal by the insurer.<br />
         		<a id="pl.4.3"></a><var>4.3</var>(c) Failure by an insurer to comply with subdivision 4, clause (4), may be treated, at <br />
         		<a id="pl.4.4"></a><var>4.4</var>the election of the party, as a withdrawal of consent for purposes of this section.<br />
         		<a id="pl.4.5"></a><var>4.5</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 9. <b>Prior consent.</b> If the consent of a party to receive certain notices or <br />
         		<a id="pl.4.6"></a><var>4.6</var>documents in an electronic form is on file with an insurer before the effective date of <br />
         		<a id="pl.4.7"></a><var>4.7</var>this act and, pursuant to this section, an insurer intends to deliver additional notices or <br />
         		<a id="pl.4.8"></a><var>4.8</var>documents to the party in an electronic form then, before delivering the additional notices <br />
         		<a id="pl.4.9"></a><var>4.9</var>or documents electronically, the insurer shall notify the party of:<br />
         		<a id="pl.4.10"></a><var>4.10</var>(1) the notices or documents that may be delivered by electronic means under this <br />
         		<a id="pl.4.11"></a><var>4.11</var>section that were not previously delivered electronically; and<br />
         		<a id="pl.4.12"></a><var>4.12</var>(2) the party's right to withdraw consent to have notices or documents delivered <br />
         		<a id="pl.4.13"></a><var>4.13</var>by electronic means.<br />
         		<a id="pl.4.14"></a><var>4.14</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 10. <b>Property and casualty policies and endorsements.</b> Notwithstanding any <br />
         		<a id="pl.4.15"></a><var>4.15</var>other provisions of this section and of section 60A.08, subdivision 3, standard property and <br />
         		<a id="pl.4.16"></a><var>4.16</var>casualty insurance policies and endorsements that do not contain personally identifiable <br />
         		<a id="pl.4.17"></a><var>4.17</var>information may be mailed, delivered, or posted on the insurer's Web site. If the insurer <br />
         		<a id="pl.4.18"></a><var>4.18</var>elects to post insurance policies and endorsements on its Web site in lieu of mailing or <br />
         		<a id="pl.4.19"></a><var>4.19</var>delivering them to the insured, it must comply with all of the following conditions:<br />
         		<a id="pl.4.20"></a><var>4.20</var>(1) the policy and endorsements must be accessible and remain that way for as long <br />
         		<a id="pl.4.21"></a><var>4.21</var>as the policy is in force;<br />
         		<a id="pl.4.22"></a><var>4.22</var>(2) after the expiration of the policy, the insurer must archive its expired policies and <br />
         		<a id="pl.4.23"></a><var>4.23</var>endorsements for a period of five years and make them available upon request;<br />
         		<a id="pl.4.24"></a><var>4.24</var>(3) the policies and endorsements must be posted in a manner that enables the <br />
         		<a id="pl.4.25"></a><var>4.25</var>insured to print and save the policy and endorsements using programs or applications that <br />
         		<a id="pl.4.26"></a><var>4.26</var>are widely available on the Internet and free to use;<br />
         		<a id="pl.4.27"></a><var>4.27</var>(4) the insurer provides the following information in or simultaneously with each <br />
         		<a id="pl.4.28"></a><var>4.28</var>declarations page provided at the time of issuance of the initial policy and any renewals <br />
         		<a id="pl.4.29"></a><var>4.29</var>of that policy:<br />
         		<a id="pl.4.30"></a><var>4.30</var>(i) a description of the exact policy and endorsement forms purchased by the insured;<br />
         		<a id="pl.4.31"></a><var>4.31</var>(ii) a method by which the insured may obtain, upon request and without charge, <br />
         		<a id="pl.4.32"></a><var>4.32</var>a paper copy of the policy; and<br />
         		<a id="pl.4.33"></a><var>4.33</var>(iii) the Internet address where the policy and endorsements are posted; and<br />
         		<a id="pl.4.34"></a><var>4.34</var>(5) the insurer provides notice, in the manner it customarily communicates with an <br />
         		<a id="pl.4.35"></a><var>4.35</var>insured, of any changes to the forms or endorsements, the insured's right to obtain, upon <br />
         		<a id="pl.5.1"></a><var>5.1</var>request and without charge, a paper copy of such forms or endorsements, and the Internet <br />
         		<a id="pl.5.2"></a><var>5.2</var>address where such forms or endorsements are posted.<br />
         		<a id="pl.5.3"></a><var>5.3</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 11. <b>Oral communications.</b> Except as otherwise provided by law, if an oral <br />
         		<a id="pl.5.4"></a><var>5.4</var>communication or a recording of an oral communication from a party can be reliably <br />
         		<a id="pl.5.5"></a><var>5.5</var>stored and reproduced by an insurer, the oral communication or recording may qualify <br />
         		<a id="pl.5.6"></a><var>5.6</var>as a notice or document delivered by electronic means for purposes of this section. If a <br />
         		<a id="pl.5.7"></a><var>5.7</var>provision of this title or applicable law requires a signature or notice or document to be <br />
         		<a id="pl.5.8"></a><var>5.8</var>notarized, acknowledged, verified, or made under oath, the requirement is satisfied if the <br />
         		<a id="pl.5.9"></a><var>5.9</var>electronic signature of the person authorized to perform those acts, together with all other <br />
         		<a id="pl.5.10"></a><var>5.10</var>information required to be included by the provision, is attached to or logically associated <br />
         		<a id="pl.5.11"></a><var>5.11</var>with the signature, notice, or document.<br />
         		<a id="pl.5.12"></a><var>5.12</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 12. <b>Effect or other law.</b> This section may not be construed to modify, limit, <br />
         		<a id="pl.5.13"></a><var>5.13</var>or supersede the provisions of the federal Electronic Signatures in Global and National <br />
         		<a id="pl.5.14"></a><var>5.14</var>Commerce Act, Public Law 106-229, as amended.<br />
         		<a id="pl.5.15"></a><var>5.15</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 13. <b>Application.</b> This section does not apply to:<br />
         		<a id="pl.5.16"></a><var>5.16</var>(1) a nonprofit health service plan corporation licensed under chapter 62C;<br />
         		<a id="pl.5.17"></a><var>5.17</var>(2) a health maintenance organization licensed under chapter 62D; or<br />
         		<a id="pl.5.18"></a><var>5.18</var>(3) a health carrier, as defined under section 62A.011, subdivision 2, that is affiliated <br />
         		<a id="pl.5.19"></a><var>5.19</var>with a nonprofit health service plan corporation licensed under chapter 62C or a health <br />
         		<a id="pl.5.20"></a><var>5.20</var>maintenance organization licensed under chapter 62D.<br />
         		<a id="pl.5.21"></a><var>5.21</var><b>EFFECTIVE DATE; NONAPPLICATION.</b>This section is effective August 1, <br />
         		<a id="pl.5.22"></a><var>5.22</var>2013, and does not apply to a notice or document delivered by an insurer in an electronic <br />
         		<a id="pl.5.23"></a><var>5.23</var>form before that date to a party who, before that date, has consented to receive a notice or <br />
         		<a id="pl.5.24"></a><var>5.24</var>document in an electronic form otherwise allowed by law.<br />
         		<br />
         		<a id="bill.0.3.0"></a><a id="pl.5.25"></a><var>5.25</var>&nbsp;&nbsp;&nbsp;&nbsp;Sec. 3. Minnesota Statutes 2012, section 65A.01, subdivision 3, is amended to read:<br />
         		<a id="pl.5.26"></a><var>5.26</var>&nbsp;&nbsp;&nbsp;&nbsp;Subd. 3. <b>Policy provisions.</b> On said policy following such matter as provided in <br />
         		<a id="pl.5.27"></a><var>5.27</var>subdivisions 1 and 2, printed ~~in the English language~~ in type of such size or sizes and <br />
         		<a id="pl.5.28"></a><var>5.28</var>arranged in such manner, as is approved by the commissioner of commerce, the following <br />
         		<a id="pl.5.29"></a><var>5.29</var>provisions and subject matter shall be stated in the following words and in the following <br />
         		<a id="pl.5.30"></a><var>5.30</var>sequence, but with the convenient placing, if desired, of such matter as will act as a cover <br />
         		<a id="pl.5.31"></a><var>5.31</var>or back for such policy when folded, with the blanks below indicated being left to be filled <br />
         		<a id="pl.5.32"></a><var>5.32</var>in at the time of the issuing of the policy, to wit:<br />
         		<a id="pl.5.33"></a><var>5.33</var>(Space for listing the amounts of insurance, rates and premiums for the basic <br />
         		<a id="pl.5.34"></a><var>5.34</var>coverages provided under the standard form of policy and for additional coverages or <br />
         		<a id="pl.5.35"></a><var>5.35</var>perils provided under endorsements attached. The description and location of the property <br />
         		<a id="pl.6.1"></a><var>6.1</var>covered and the insurable value(s) of any building(s) or structure(s) covered by the <br />
         		<a id="pl.6.2"></a><var>6.2</var>policy or its attached endorsements; also in the above space may be stated whether other <br />
         		<a id="pl.6.3"></a><var>6.3</var>insurance is limited and if limited the total amount permitted.)<br />
         		<a id="pl.6.4"></a><var>6.4</var>In consideration of the provisions and stipulations herein or added hereto and of <br />
         		<a id="pl.6.5"></a><var>6.5</var>the premium above specified this company, for a term of ..... from ..... (At 12:01 a.m. <br />
         		<a id="pl.6.6"></a><var>6.6</var>Standard Time) to ..... (At 12:01 a.m. Standard Time) at location of property involved, <br />
         		<a id="pl.6.7"></a><var>6.7</var>to an amount not exceeding the amount(s) above specified does insure ..... and legal <br />
         		<a id="pl.6.8"></a><var>6.8</var>representatives ...........................................<br />
         		<a id="pl.6.9"></a><var>6.9</var>(In above space may be stated whether other insurance is limited.) (And if limited <br />
         		<a id="pl.6.10"></a><var>6.10</var>the total amount permitted.)<br />
         		<a id="pl.6.11"></a><var>6.11</var>Subject to form No.(s) ..... attached hereto.<br />
         		<a id="pl.6.12"></a><var>6.12</var>This policy is made and accepted subject to the foregoing provisions and stipulations <br />
         		<a id="pl.6.13"></a><var>6.13</var>and those hereinafter stated, which are hereby made a part of this policy, together with such <br />
         		<a id="pl.6.14"></a><var>6.14</var>provisions, stipulations and agreements as may be added hereto as provided in this policy.<br />
         		<a id="pl.6.15"></a><var>6.15</var>The insurance effected above is granted against all loss or damage by fire originating <br />
         		<a id="pl.6.16"></a><var>6.16</var>from any cause, except as hereinafter provided, also any damage by lightning and by <br />
         		<a id="pl.6.17"></a><var>6.17</var>removal from premises endangered by the perils insured against in this policy, to the <br />
         		<a id="pl.6.18"></a><var>6.18</var>property described hereinafter while located or contained as described in this policy, or <br />
         		<a id="pl.6.19"></a><var>6.19</var>pro rata for five days at each proper place to which any of the property shall necessarily be <br />
         		<a id="pl.6.20"></a><var>6.20</var>removed for preservation from the perils insured against in this policy, but not elsewhere. <br />
         		<a id="pl.6.21"></a><var>6.21</var>The amount of said loss or damage, except in case of total loss on buildings, to be <br />
         		<a id="pl.6.22"></a><var>6.22</var>estimated according to the actual value of the insured property at the time when such <br />
         		<a id="pl.6.23"></a><var>6.23</var>loss or damage happens.<br />
         		<a id="pl.6.24"></a><var>6.24</var>If the insured property shall be exposed to loss or damage from the perils insured <br />
         		<a id="pl.6.25"></a><var>6.25</var>against, the insured shall make all reasonable exertions to save and protect same.<br />
         		<a id="pl.6.26"></a><var>6.26</var>This entire policy shall be void if, whether before a loss, the insured has willfully, <br />
         		<a id="pl.6.27"></a><var>6.27</var>or after a loss, the insured has willfully and with intent to defraud, concealed or <br />
         		<a id="pl.6.28"></a><var>6.28</var>misrepresented any material fact or circumstance concerning this insurance or the subject <br />
         		<a id="pl.6.29"></a><var>6.29</var>thereof, or the interests of the insured therein.<br />
         		<a id="pl.6.30"></a><var>6.30</var>This policy shall not cover accounts, bills, currency, deeds, evidences of debt, money <br />
         		<a id="pl.6.31"></a><var>6.31</var>or securities; nor, unless specifically named hereon in writing, bullion, or manuscripts.<br />
         		<a id="pl.6.32"></a><var>6.32</var>This company shall not be liable for loss by fire or other perils insured against in this <br />
         		<a id="pl.6.33"></a><var>6.33</var>policy caused, directly or indirectly by: (a) enemy attack by armed forces, including action <br />
         		<a id="pl.6.34"></a><var>6.34</var>taken by military, naval or air forces in resisting an actual or immediately impending <br />
         		<a id="pl.6.35"></a><var>6.35</var>enemy attack; (b) invasion; (c) insurrection; (d) rebellion; (e) revolution; (f) civil war; <br />
         		<a id="pl.6.36"></a><var>6.36</var>(g) usurped power; (h) order of any civil authority except acts of destruction at the time <br />
         		<a id="pl.7.1"></a><var>7.1</var>of and for the purpose of preventing the spread of fire, providing that such fire did not <br />
         		<a id="pl.7.2"></a><var>7.2</var>originate from any of the perils excluded by this policy.<br />
         		<a id="pl.7.3"></a><var>7.3</var>This company shall not be liable for loss by fire or other perils insured against in <br />
         		<a id="pl.7.4"></a><var>7.4</var>a commercial policy caused, directly or indirectly, by terrorism, unless an endorsement <br />
         		<a id="pl.7.5"></a><var>7.5</var>specifically assuming coverage for loss or damage caused by terrorism is attached to <br />
         		<a id="pl.7.6"></a><var>7.6</var>the policy.<br />
         		<a id="pl.7.7"></a><var>7.7</var>Other insurance may be prohibited or the amount of insurance may be limited by so <br />
         		<a id="pl.7.8"></a><var>7.8</var>providing in the policy or an endorsement, rider or form attached thereto.<br />
         		<a id="pl.7.9"></a><var>7.9</var>Unless otherwise provided in writing added hereto this company shall not be liable <br />
         		<a id="pl.7.10"></a><var>7.10</var>for loss occurring:<br />
         		<a id="pl.7.11"></a><var>7.11</var>(a) while the hazard is increased by any means within the control or knowledge of <br />
         		<a id="pl.7.12"></a><var>7.12</var>the insured; or<br />
         		<a id="pl.7.13"></a><var>7.13</var>(b) while the described premises, whether intended for occupancy by owner or <br />
         		<a id="pl.7.14"></a><var>7.14</var>tenant, are vacant or unoccupied beyond a period of 60 consecutive days; or<br />
         		<a id="pl.7.15"></a><var>7.15</var>(c) as a result of explosion or riot, unless fire ensue, and in that event for loss by <br />
         		<a id="pl.7.16"></a><var>7.16</var>fire only.<br />
         		<a id="pl.7.17"></a><var>7.17</var>Any other peril to be insured against or subject of insurance to be covered in this <br />
         		<a id="pl.7.18"></a><var>7.18</var>policy shall be by endorsement in writing hereon or added hereto.<br />
         		<a id="pl.7.19"></a><var>7.19</var>The extent of the application of insurance under this policy and the contributions to be <br />
         		<a id="pl.7.20"></a><var>7.20</var>made by this company in case of loss, and any other provision or agreement not inconsistent <br />
         		<a id="pl.7.21"></a><var>7.21</var>with the provisions of this policy, may be provided for in writing added hereto, but no <br />
         		<a id="pl.7.22"></a><var>7.22</var>provision may be waived except such as by the terms of this policy is subject to change.<br />
         		<a id="pl.7.23"></a><var>7.23</var>No permission affecting this insurance shall exist, or waiver of any provision be <br />
         		<a id="pl.7.24"></a><var>7.24</var>valid, unless granted herein or expressed in writing added hereto. No provision, stipulation <br />
         		<a id="pl.7.25"></a><var>7.25</var>or forfeiture shall be held to be waived by any requirements or proceeding on the part of <br />
         		<a id="pl.7.26"></a><var>7.26</var>this company relating to appraisal or to any examination provided for herein.<br />
         		<a id="pl.7.27"></a><var>7.27</var>This policy shall be canceled at any time at the request of the insured, in which case <br />
         		<a id="pl.7.28"></a><var>7.28</var>this company shall, upon demand and surrender of this policy, refund the excess of paid <br />
         		<a id="pl.7.29"></a><var>7.29</var>premium above the customary short rates for the expired time. This policy may be canceled <br />
         		<a id="pl.7.30"></a><var>7.30</var>at any time by this company by giving to the insured a written notice of cancellation with <br />
         		<a id="pl.7.31"></a><var>7.31</var>or without tender of the excess of paid premium above the pro rata premium for the expired <br />
         		<a id="pl.7.32"></a><var>7.32</var>time, which excess, if not tendered, shall be refunded on demand. Notice of cancellation <br />
         		<a id="pl.7.33"></a><var>7.33</var>shall state that said excess premium (if not tendered) will be refunded on demand.<br />
         		<a id="pl.7.34"></a><var>7.34</var>If loss hereunder is made payable, in whole or in part, to a designated mortgagee or <br />
         		<a id="pl.7.35"></a><var>7.35</var>contract for deed vendor not named herein as insured, such interest in this policy may be <br />
         		<a id="pl.7.36"></a><var>7.36</var>canceled by giving to such mortgagee or vendor a ten days' written notice of cancellation.<br />
         		<a id="pl.8.1"></a><var>8.1</var>Notwithstanding any other provisions of this policy, if this policy shall be made <br />
         		<a id="pl.8.2"></a><var>8.2</var>payable to a mortgagee or contract for deed vendor of the covered real estate, no act or <br />
         		<a id="pl.8.3"></a><var>8.3</var>default of any person other than such mortgagee or vendor or the mortgagee's or vendor's <br />
         		<a id="pl.8.4"></a><var>8.4</var>agent or those claiming under the mortgagee or vendor, whether the same occurs before or <br />
         		<a id="pl.8.5"></a><var>8.5</var>during the term of this policy, shall render this policy void as to such mortgagee or vendor <br />
         		<a id="pl.8.6"></a><var>8.6</var>nor affect such mortgagee's or vendor's right to recover in case of loss on such real estate; <br />
         		<a id="pl.8.7"></a><var>8.7</var>provided, that the mortgagee or vendor shall on demand pay according to the established <br />
         		<a id="pl.8.8"></a><var>8.8</var>scale of rates for any increase of risks not paid for by the insured; and whenever this <br />
         		<a id="pl.8.9"></a><var>8.9</var>company shall be liable to a mortgagee or vendor for any sum for loss under this policy <br />
         		<a id="pl.8.10"></a><var>8.10</var>for which no liability exists as to the mortgagor, vendee, or owner, and this company shall <br />
         		<a id="pl.8.11"></a><var>8.11</var>elect by itself, or with others, to pay the mortgagee or vendor the full amount secured <br />
         		<a id="pl.8.12"></a><var>8.12</var>by such mortgage or contract for deed, then the mortgagee or vendor shall assign and <br />
         		<a id="pl.8.13"></a><var>8.13</var>transfer to the company the mortgagee's or vendor's interest, upon such payment, in the <br />
         		<a id="pl.8.14"></a><var>8.14</var>said mortgage or contract for deed together with the note and debts thereby secured.<br />
         		<a id="pl.8.15"></a><var>8.15</var>This company shall not be liable for a greater proportion of any loss than the amount <br />
         		<a id="pl.8.16"></a><var>8.16</var>hereby insured shall bear to the whole insurance covering the property against the peril <br />
         		<a id="pl.8.17"></a><var>8.17</var>involved.<br />
         		<a id="pl.8.18"></a><var>8.18</var>In case of any loss under this policy the insured shall give immediate written notice <br />
         		<a id="pl.8.19"></a><var>8.19</var>to this company of any loss, protect the property from further damage, and a statement <br />
         		<a id="pl.8.20"></a><var>8.20</var>in writing, signed and sworn to by the insured, shall within 60 days be rendered to the <br />
         		<a id="pl.8.21"></a><var>8.21</var>company, setting forth the value of the property insured, except in case of total loss on <br />
         		<a id="pl.8.22"></a><var>8.22</var>buildings the value of said buildings need not be stated, the interest of the insured therein, <br />
         		<a id="pl.8.23"></a><var>8.23</var>all other insurance thereon, in detail, the purposes for which and the persons by whom the <br />
         		<a id="pl.8.24"></a><var>8.24</var>building insured, or containing the property insured, was used, and the time at which and <br />
         		<a id="pl.8.25"></a><var>8.25</var>manner in which the fire originated, so far as known to the insured.<br />
         		<a id="pl.8.26"></a><var>8.26</var>The insured, as often as may be reasonably required, shall exhibit to any person <br />
         		<a id="pl.8.27"></a><var>8.27</var>designated by this company all that remains of any property herein described, and, after <br />
         		<a id="pl.8.28"></a><var>8.28</var>being informed of the right to counsel and that any answers may be used against the <br />
         		<a id="pl.8.29"></a><var>8.29</var>insured in later civil or criminal proceedings, the insured shall, within a reasonable period <br />
         		<a id="pl.8.30"></a><var>8.30</var>after demand by this company, submit to examinations under oath by any person named by <br />
         		<a id="pl.8.31"></a><var>8.31</var>this company, and subscribe the oath. The insured, as often as may be reasonably required, <br />
         		<a id="pl.8.32"></a><var>8.32</var>shall produce for examination all records and documents reasonably related to the loss, or <br />
         		<a id="pl.8.33"></a><var>8.33</var>certified copies thereof if originals are lost, at a reasonable time and place designated by <br />
         		<a id="pl.8.34"></a><var>8.34</var>this company or its representatives, and shall permit extracts and copies thereof to be made.<br />
         		<a id="pl.8.35"></a><var>8.35</var>In case the insured and this company, except in case of total loss on buildings, <br />
         		<a id="pl.8.36"></a><var>8.36</var>shall fail to agree as to the actual cash value or the amount of loss, then, on the written <br />
         		<a id="pl.9.1"></a><var>9.1</var>demand of either, each shall select a competent and disinterested appraiser and notify the <br />
         		<a id="pl.9.2"></a><var>9.2</var>other of the appraiser selected within 20 days of such demand. In case either fails to <br />
         		<a id="pl.9.3"></a><var>9.3</var>select an appraiser within the time provided, then a presiding judge of the district court <br />
         		<a id="pl.9.4"></a><var>9.4</var>of the county wherein the loss occurs may appoint such appraiser for such party upon <br />
         		<a id="pl.9.5"></a><var>9.5</var>application of the other party in writing by giving five days' notice thereof in writing to <br />
         		<a id="pl.9.6"></a><var>9.6</var>the party failing to appoint. The appraisers shall first select a competent and disinterested <br />
         		<a id="pl.9.7"></a><var>9.7</var>umpire; and failing for 15 days to agree upon such umpire, then a presiding judge of the <br />
         		<a id="pl.9.8"></a><var>9.8</var>above mentioned court may appoint such an umpire upon application of party in writing <br />
         		<a id="pl.9.9"></a><var>9.9</var>by giving five days' notice thereof in writing to the other party. The appraisers shall then <br />
         		<a id="pl.9.10"></a><var>9.10</var>appraise the loss, stating separately actual value and loss to each item; and, failing to <br />
         		<a id="pl.9.11"></a><var>9.11</var>agree, shall submit their differences, only, to the umpire. An award in writing, so itemized, <br />
         		<a id="pl.9.12"></a><var>9.12</var>of any two when filed with this company shall determine the amount of actual value and <br />
         		<a id="pl.9.13"></a><var>9.13</var>loss. Each appraiser shall be paid by the selecting party, or the party for whom selected, <br />
         		<a id="pl.9.14"></a><var>9.14</var>and the expense of the appraisal and umpire shall be paid by the parties equally.<br />
         		<a id="pl.9.15"></a><var>9.15</var>It shall be optional with this company to take all of the property at the agreed or <br />
         		<a id="pl.9.16"></a><var>9.16</var>appraised value, and also to repair, rebuild or replace the property destroyed or damaged <br />
         		<a id="pl.9.17"></a><var>9.17</var>with other of like kind and quality within a reasonable time, on giving notice of its <br />
         		<a id="pl.9.18"></a><var>9.18</var>intention so to do within 30 days after the receipt of the proof of loss herein required.<br />
         		<a id="pl.9.19"></a><var>9.19</var>There can be no abandonment to this company of any property.<br />
         		<a id="pl.9.20"></a><var>9.20</var>The amount of loss for which this company may be liable shall be payable 60 days <br />
         		<a id="pl.9.21"></a><var>9.21</var>after proof of loss, as herein provided, is received by this company and ascertainment of <br />
         		<a id="pl.9.22"></a><var>9.22</var>the loss is made either by agreement between the insured and this company expressed in <br />
         		<a id="pl.9.23"></a><var>9.23</var>writing or by the filing with this company of an award as herein provided. It is moreover <br />
         		<a id="pl.9.24"></a><var>9.24</var>understood that there can be no abandonment of the property insured to the company, and <br />
         		<a id="pl.9.25"></a><var>9.25</var>that the company will not in any case be liable for more than the sum insured, with interest <br />
         		<a id="pl.9.26"></a><var>9.26</var>thereon from the time when the loss shall become payable, as above provided.<br />
         		<a id="pl.9.27"></a><var>9.27</var>No suit or action on this policy for the recovery of any claim shall be sustainable in <br />
         		<a id="pl.9.28"></a><var>9.28</var>any court of law or equity unless all the requirements of this policy have been complied <br />
         		<a id="pl.9.29"></a><var>9.29</var>with, and unless commenced within two years after inception of the loss.<br />
         		<a id="pl.9.30"></a><var>9.30</var>This company is subrogated to, and may require from the insured an assignment <br />
         		<a id="pl.9.31"></a><var>9.31</var>of all right of recovery against any party for loss to the extent that payment therefor is <br />
         		<a id="pl.9.32"></a><var>9.32</var>made by this company; and the insurer may prosecute therefor in the name of the insured <br />
         		<a id="pl.9.33"></a><var>9.33</var>retaining such amount as the insurer has paid.<br />
         		<a id="pl.9.34"></a><var>9.34</var>Assignment of this policy shall not be valid except with the written consent of <br />
         		<a id="pl.9.35"></a><var>9.35</var>this company.<br />
         		<a id="pl.9.36"></a><var>9.36</var>IN WITNESS WHEREOF, this company has executed and attested these presents.<br />
         		
         <table>
            <col width="50px"></col>
            <col width="27.5"></col>
            <col width="10"></col>
            <col width="27.5"></col>
            <tr>
               <td><a id="pl.10.1"></a><var>10.1</var><br />
                  		
               </td>
               <td align="center"> <span>
                     							.....
                     						</span> <br />
                  		
               </td>
               <td></td>
               <td align="center"> <span>
                     							.....
                     						</span> <br />
                  		
               </td>
            </tr>
            <tr>
               <td><a id="pl.10.2"></a><var>10.2</var><br />
                  		
               </td>
               <td align="center">(Signature)<br />
                  		
               </td>
               <td></td>
               <td align="center">(Signature)<br />
                  		
               </td>
            </tr>
            <tr>
               <td><a id="pl.10.3"></a><var>10.3</var><br />
                  		
               </td>
               <td align="center"> <span>
                     							.....
                     						</span> <br />
                  		
               </td>
               <td></td>
               <td align="center"> <span>
                     							.....
                     						</span> <br />
                  		
               </td>
            </tr>
            <tr>
               <td><a id="pl.10.4"></a><var>10.4</var><br />
                  		
               </td>
               <td align="center">(Name of office)<br />
                  		
               </td>
               <td></td>
               <td align="center">(Name of office)<br />
                  		
               </td>
            </tr>
         </table><br />
         		<a id="bill.0.4.0"></a><a id="pl.10.5"></a><var>10.5</var>&nbsp;&nbsp;&nbsp;&nbsp;Sec. 4. <b> REPEALER.</b><br />
         		<a id="pl.10.6"></a><var>10.6</var>Minnesota Rules, part 2700.0200, is repealed.<br />
         		
      </div>