(四) General Average Guarantee

五、微生物發酵（microbialfermentation）應用的範圍很廣，請舉二例以微生物發酵生產之產品並敘述其特性，另說明以微生物發酵生產食品及醫藥 產品的優點為何？（20分）

(一) Construction Total Loss

(二) Express Warranty

(三) Free of Particular Average

(五) Insufficient Preparation

(一) The Underwriters agree to indemnify the Assured for three-fourths of any sum or sums paid by the Assured to any other person or persons by reason of the Assured becoming legally liable by way of damage for1. loss of or damage to any other vessel or property on any other vessel2. delay to or loss of use of any such other vessel or property thereon3. general average of, salvage of, or salvage under contract of, any such other vessel or property thereon where such payment by the Assured is in consequence of the Vessel hereby insured coming into collision with any other vessel.（15 分）

(二) Where, after attachment of this insurance, the destination is changed by the Assured, this must be notified promptly to Insurers for rates and terms to be agreed. Should a loss occur prior to such agreement being obtained cover may be provided but only if cover would have been available at a reasonable commercial market rate on reasonable market terms.（10 分）

三、何謂 General Average？試說明其成立要件以及實務上的四種共同海損文件。 （25 分）

四、何謂海事保險公證人？請詳述發生海上船舶碰撞事故後，海事保險公證人應勘查可能發生的損失為何？（25 分）

一、請說明咖啡豆烘焙過程中玻璃轉化溫度（Glass transition temperature, Tg）及型態之變化、風味形成之化學反應及影響因子。（20 分）