As respects the Company previously designated in the Declarations Page of each Coverage Part, the following correlative provision forms a part of this policy:

**MUTUAL POLICY CONDITIONS.** Lumbermens Mutual Casualty Company American Manufacturers Mutual Insurance Company

This is a perpetual mutual corporation owned by and operated for the benefit of its members. This is a non-assessable, participating policy under which the Board of Directors in its discretion may determine and pay unabsorbed premium deposit refunds (dividends) to the insured.

As respects the State of Texas, such provision is amended to read as follows:

Mutuals -- Membership and Voting Notice. The insured is notified that by virtue of this policy he is a member of the company so designated, and is entitled to vote either in person or by proxy at any and all meetings of said company. The Annual Meetings are held in its Home Office at the place and time stated on the front cover.

Mutuals -- Participation Clause Without Contingent Liability. No Contingent Liability: This policy is non-assessable. The policyholder is a member of such company and shall participate, to the extent and upon the conditions fixed and determined by the Board of Directors in accordance with the provisions of law, in the distribution of dividends so fixed and determined.

**DIVIDENDS.** American Motorists Insurance Company American Protection Insurance Company

This policy is participating and shall be entitled to receive unabsorbed premium deposit refunds as apportioned by the directors.

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

Lumbermens Mutual Casualty Company American Protection Insurance Company American Motorists Insurance Company American Manufacturers Mutual Insurance Company

**Kemper Insurance Companies**

CE 70 00 (Ed. 04 97) Jacket Page 2 Printed in U.S.A.