16. Contracts of insurance or reinsurance (including cessions under treaties of reinsurance) shall be deemed not to cover losses or claims due to belligerent action by either Power of which any of the parties was a national, or by the Allies or asso- ciates of such Power.
17. No interest shall be payable by any of the parties for any delay which, owing to the parties having become enemies, has occurred or may occur in the settlement of premium, or claims or balances in account.
18. Insurers shall not be liable for claims in so far as liability for such claims shall since the parties became enemies have been adversely affected by any modifi- cation or application of the terms of the contract contrary to its original intention, whether by enactment, administrative action or court decision.
19. Except as provided in 16 and 18, nothing in this treaty shall nullify anything done in Japan before the date of the treaty by any of the contracting parties in performance of contracts of insurance or of facultative reinsurance other than contracts to which paragraphs 2, 3 and 10 apply.
20. The provisions of paragraphs 15, 18 and 19 shall, except so far as they are inconsistent with or varied by the following paragraphs, apply to contracts of life insurance.
21. Contracts of life insurance and facultative reinsurance of life risks between parties who subsequently became enemies shall be deemed not to have been dis- solved by the outbreak of war or by the fact of the parties becoming enemies, and in determining the obligations of the parties all the terms of the contract shall, except where the parties mutually agree, be regarded as being in full force.
22. Where a policy has lapsed during the war owing to non payment of premiums and the insurer agrees to restore the contract or in any other case where the premiums have not been paid during the war on a contract which has remained in force, the insurer shall on payment of the premium be entitled to and the insured shall
pay interest at the rate stated in the contract or if the contract contains no such provision then at the rate of 4 per cent. per annum from the due date of the premium until the date of settlement by payment or otherwise.
23. Where during the war any sum of money has for any reason become payable by the insurer to the insured or his representatives or other person entitled to the contract, the net sum shall be recoverable with the addition of interest at the rate of 21 per cent. per annum from the date of its becoming due to the date of payment. Provided that where a claim has not been established within one year of the coming into force of the provisions of the treaty, interest shall cease to run at the expiration of that year.
24. Insurance contracts shall be considered as contracts of life assurance for the purposes of paragraphs 20 to 23 when they depend on the probabilities of human life combined with a rate of interest for the calculation of reciprocal arrangements between the two parties.
25. For the purpose of this annex the term "parties means the parties to the contract of insurance concerned.
ANNEX IV
PRIZE COURTS AND JUDGMENTS
A.-Prize Courts
Each of the Allied and Associated Powers reserves the right to examine, according to a procedure to be established by it, all decisions and orders of the Japanese Prize Courts in cases involving ownership rights of its nationals, and to recommend to the Japanese Government that revision shall be undertaken of such of those decisions or orders as may not be in conformity with international law.
The Japanese Government undertakes to supply copies of all documents com- prising the records of these cases, including the decisions taken and orders issued, and to accept all recommendations made as a result of the examination of the said cases, and to give effect to such recommendations.
B.-Judgments
The Japanese Government shall take the necessary measures to enable nationals of any of the United Nations at any time within one year from the coming into force of the present greaty to submit to the appropriate Japanese authorities for
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