Excluding in its entirety, direct or indirect losses arising out of the dishonest or fraudulent use of chops/seals (Whether being the property of the Assured or of the Clients of the Assured) Except; Where chops/seals are obtained without client’s permission and the loss is covered under Insuring Clause 1 (Fidelity) Dishonest or fraudulent use of the Assureds’ chops/seals which loss is covered under Insuring Clause 1 (Fidelity) But the burden of proof shall fall upon the Assured to prove that said chop was not knowingly passed to the employee by such customer. Premium Payment Warranty Within 30 days after receiving Cover / Debit Note