Market Fluctuation Endorsement

It is hereby understood and agreed that We will not pay for any Claim directly or indirectly arising out of, in consequence of, or contributed to by depreciation (or failure to appreciate) in value of any investments, including but not limited to, property, shares, securities, commodities, currencies, options and futures or derivative transactions, or as a result of any actual or alleged representation, advice, guarantee or warranty provided by You or on Your behalf as to the performance or characteristics of any such investment.

We will not have any liability in respect of any guarantee, whether written or oral, regarding the financial return on any investment.

It is however agreed that this exclusion shall not apply to any loss due solely to negligence on Your part in failing to effect a specific investment transaction in accordance with the specific prior instructions of a client of Yours.

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