X. Persons insured, sustaining any loss or damage by fire, are forthwith to give notice thereof at the office, and as soon as possible afterwards deliver in as particular an account of their loss and damage, as the nature of the case will admit of, and make proof of the same by their oath or affirmation, according to the form practis’d in the said office, and by their books of accounts, or other proper vouchers, as shall be reasonably required, and procure a certificate under the hands of the minister and church wardens, together with some other reputable inhabitants of the parish, not concern’d in such loss, importing, that they are well acquainted with the character and circumstances of the person or persons insured, and do know or verily believe, that he, she, or they, really and by misfortune, without any fraud or evil practice, have sustain’d by such fire, the loss and damage, as his, her, or their loss, to the value therein mention’d; but till such affidavit and certificate of such the insured’s loss shall be made and produced, the loss-money shall not be payable. And if there appear any fraud or false swearing, such sufferers shall be excluded from all benefit by their policies. And in case any difference arise between the office and the insured, touching any loss or damage, such difference shall be submitted to the judgment and determination of arbitrators indifferently chosen, whole award in writing shall be conclusive and binding to all parties: And when any loss or damage is settled and adjusted, the insured are to receive immediate satisfaction for the same, deducting only the usual allowance of 3_l._ _per cent._ _N. B._ In adjusting losses on houses or goods, no wainscot, or any sculpture or carving-work, is to be valu’d at more than 3_s._ _per_ yard, or plate at more than 5_s._ 6_d._ _per_ ounce. XI. No receipts are to be taken for any premiums of insurance, but such as are printed, and issued from the office, and witnessed by one of the clerks or agents of the office. Persons may insure for any number of years more than one; and in such case, there will be an abatement of 6_d._ in the pound _per annum_ on the premiums agreed for, for every year except the first: As to instance, in a common insurance of 1000_l._ for seven years, the premium to be paid by the table will be 7_l._ from which 6_d._ in the pound _per annum_ is to be deducted for the last six years, that is, 3_s._ and 6_d._ _per annum_, which amounts to 1_l._ 1_s._ and reduces the sum to be paid to 5_l._ 19_s._ and in the same proportion for any other sums or number of years; and persons insuring can never be subject to any calls or contributions to make good losses.