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COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation 1. The first Named Insured shown in the Declara- tions may cancel this policy by mailing or de- livering to us advance written notice of cancel- lation. 2. We may cancel this policy by mailing or deliv- ering to the first Named Insured written notice of cancellation at least: a. 10 days before the effective date of cancel- lation if we cancel for nonpayment of pre- mium; or b. 30 days before the effective date of can- cellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to IL 00 171198 b. Give you reports on the conditions we find; and c. Recommend changes. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to in- surability and the premiums to be charged. We do not make safety inspections. We do not un- dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. US. 3. Paragraphs 1. and 2. of this condition apply not 4. Notice of cancellation will state the effective date only to us, but also to any rating, advisory, rate of cancellation. The policy period will end on service or similar organization which makes that date. insurance inspections, surveys, reports or rec- ommendations. S. If this policy is cancelled, we will send the first q, Paragraph 2. of this condition does not apply to Named Insured any premium refund due. If we any inspections, surveys, reports or recom- cancel, the refund will be pro rata. If the first mendations we may make relative to certifi- Named Insured cancels, the refund may be less cation, under state or municipal statutes, ordi- than pro rata. The cancellation will be effective nances or regulations, of boilers, pressure even if we have not made or offered a refund. vessels or elevators. 6. If notice is mailed, proof of mailing will be suf- ficient proof of notice. B. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is auth- orized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the E. Premiums The first Named Insured shown in the Declarations: 1. Is responsible for the payment of all premiums; and 2. Will be the payee for any return premiums we pay. F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. policy period and up to three years afterward. 0 you die, your rights and duties will be transferred to your legal representative but only while acting D. Inspections And Surveys within the scope of duties as your legal repre- sentative. Until your legal representative is ap- pointed, anyone having proper temporary custody a. Make inspections and surveys at any time; of your property will have your rights and duties but REVIEWED & APPROVEnbwitn respect to that properly. MBy I( MANAgEMENT DIVISION EC 231019 IL 00 17 11 98 opai , Insurance Services Office, Inc., 1998 Page 1 of 1