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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF CONDITIONS - NORTH CAROLINA This endorsement modifies insurance provided under the UMBRELLA LIABILITY PROVISIONS It is agreed that: 1. The Cancellation Condition is replaced by the following: Cancellation a. The Named Insured first shown in the Declarations may cancel this policy by: (1) Mailing or delivering to us advance written notice of cancellation; or (2) Surrendering the policy to us or to any of our authorized agents. b. We may cancel this policy by mailing or delivering to the Named Insured first shown in the Declarations written notice of cancellation at least: (1) 15 days before the effective date of cancellation, if we cancel for nonpayment of any premium when due; (2) 30 days before the effective date of cancellation, if we cancel for any other reason and the policy has been in effect for less than 60 days and is not a renewal with us; or (3) 30 days before the effective date of cancellation, if we cancel and the policy has been in effect for 60 days or more, or is a renewal with us, but only for one or more of the following reasons, or as permitted under applicable North Carolina law: (a) An act or omission by you or your representative that constitutes material misrepresentation or nondisclosure of a material fact in obtaining this policy, continuing this policy or presenting a claim under this policy; Form SX 01 08 10 08 (b) Increased hazard or material change in the risk assumed that could not have been reasonably contemplated by the parties at the time of assumption of the risk; (c) Substantial breach of contractual duties, conditions or warranties that materially affects the insurability of the risk; (d) A fraudulent act against us by you or your representative that materially affects the insurability of the risk; (e) Willful failure by you or your representative to institute reasonable loss control measures that materially affect the insurability of the risk after written notice by the insurer; (f) You conviction of a crime arising out of acts that materially affect the insurability of the risk; (g) A determination by the Commissioner of Insurance that the continuation of this policy would place us in violation of the laws of North Carolina. c. We will mail or deliver our notice to the last mailing address known to us of the Named Insured first shown in the Declarations. We will also mail or deliver a copy of the notice to any mortgagee or loss payee indicated in the policy and to the agent or broker of record. If notice is mailed, proof of mailing will be sufficient proof of notice. d. Notice of cancellation by us will state the effective date of cancellation. The "policy period" will end on that date. © 2008, The Hartford ew cF RAMwagementDMsian Jy/ \'x REVIEWED & APPROVED BY: V"° --� Risk janagement Analyst