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FE-6223.1 (1/95) AMENDATORY ENDORSEMENT (Minnesota) SECTION I LOSSES INSURED AND LOSSES NOT INSU RED The following is added to LOSSES INSURED: We insure for all loss or damage caused by fire and any damage caused by lightning. The following is deleted from LOSSES NOT IN- SURED: a. the enforcement of any ordinance or law: (1) regulating the construction, use or repair of any property; or (2) requiring the tearing down of any property, including the cost of re- moving its debris; SECTION I DEDUCTIBLES The following is added to DEDUCTIBLES: The deductible does not apply to total loss of a building. SECTION I CONDITIONS The following is added to item e. of Loss Payment: If at any time we reach final agreement with you on an amount in settlement of all or part of your claim, we will issue payment within five business days from the date of the agree- ment. The following is added to Valuation: In the event of a total loss to COVERAGE A - BUILDINGS caused by a LOSS INSURED, we will pay the Limit of Insurance shown in the Declarations for COVERAGE A - BUILD- INGS. Legal Action Against Us is replaced by the fol- lowing: + Legal Action Against Us. No one may bring legal action against us under this insurance unless: a. there has been full compliance with all of the terms of this insurance; b. the loss has become payable as speci- fied in the Loss Payment Condition; and c. the action is brought within 2 years after the date on which the direct physical loss or damage occurred. With respect to OPTION ED - Employee Dishonesty, there must be full compliance with all provisions and terms applicable to OPTION ED. Suit must commence within 2 years from the date the insured discovered the loss. The Mortgage Holders Condition is revised as follows: Mortgage Holders. When used in the follow- ing provisions of this condition, the term "mortgage holder" includes mortgagee, trus- tee or contract for deed vendor: Item c. of Mortgage Holders is replaced by the following: c. If we deny your claim because of your acts or because you have failed to com- ply with the terms of this policy, the mortgage holder will still have the right to receive loss payment if the mortgage holder: (1) pays any premium due under this policy at our request if you have failed to do so; and (2) submits a signed, sworn statement of loss within 60 days after receiv- Ing notice from us of your failure to do so. All terms of this policy will then apply directly to the mortgage holder. (CONTINUED)