ncluded
before the present peace treaty.

[Sidenote: Insurance contracts.]

Fire insurance contracts are not considered dissolved by the war, even
if premiums have not been paid, but lapse at the date of the first
annual premium falling due three months after the peace. Life insurance
contracts may be restored by payments of accumulated premiums with
interest, sums falling due on such contracts during the war to be
recoverable with interest. Marine insurance contracts are dissolved by
the outbreak of war except where the risk insured against had already
been incurred. Where the risk had not attached, premiums paid are
recoverable, otherwise premiums due and sums due on losses are
recoverable. Reinsurance treaties are abrogated unless invasion has made
it impossible for the reinsured to find another reinsurer. Any allied or
associated power, however, may cancel all the contracts running between
its nationals and a German life insurance company, the latter being
obligated to hand over the proportion of its assets attributable to such
policies.

INDUSTRIAL PROPERTY

[Sidenote: Conditions on use of German patents and copyrights.]

Rights as to industrial, literary, and artistic property are
re-established. The special war measures of the allied and associated
powers are ratified and the right reserved to impose conditions on the
use of German patents and copyrights when in the public interest. Except
as between the United States and Germany, pre-war licenses and rights to
sue for infringements committed during the war are cancelled.

SECTION XI

AERIAL NAVIGATION

[Sidenote: Allied aircraft in German territory.]

Aircraft of the allied and associated powers shall have full liberty of
passage and landing over and in German territory, equal treatment with
German planes as to use of German airdromes, and with most favored
nation planes as to internal commercial traffic in Germany. Germany
agrees to accept allied certificates of nationality, airworthiness, or
competency or licenses and to apply the convention relative to aerial
navigation concluded between the allied and associated powers to her own
aircraft over her own territory. These rules apply until 1923, unless
Germany has since been admitted to the League of Nations or to the above
convention.

SECTION XII.

FREEDOM OF TRANSIT.

[Sidenote: Germany may not discriminate against allied or associated
powers.]

Germany must grant freedom of t