KOHNEN, J.
The above consolidated cases were heard by this court and submitted, briefs presented later. Briefly, the facts are that the defendant issued insurance policies for the premises of the Karl Kiefer Machine Company against loss on account of vandalism and malicious mischief for a period of three years from September 14, 1961, to September 14, 1964, and issued an endorsement naming the plaintiffs herein, as trustees, on March 22, 1963. In
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