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 pro rata of premium not exceeding thirty percent (30%) of the premium pain on such sum insured for such period of insurance will be made  in respect of the difference. 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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