In the event of Gross Profit earned during the financial year most nearly concurrent with any period of  insurance as certified by the Insured thereon a prorata return of premium not exceeding thirty percent  (30%) of the premium paid on such sum insured for such period of insurance will be made in respect of  the different. If any damage shall have occurred, giving rise to a claim under this policy, such return shall  be made in respect only so such of the said difference as is not due to such damage.

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