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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD a. Paid to us prior to the anniversary date; and b. Determined in accordance with Paragraph 2. above. Our forms then in effect will apply. If you do not pay the continuation premium, this Policy will expire on the first anniversary date that we have not received the premium. 4. Changes in exposures or changes in your business operation, acquisition or use of locations that are not shown in the Declarations may occur during the policy period. If so, we may require an additional premium. That premium will be determined in accordance with our rates and rules then in effect. I. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY 1. 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. 2. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. J. PREMIUM AUDIT 1. We will compute all premiums for this Policy in accordance with our rules and rates. 2. The premium amount shown in the Declarations is a deposit premium only. At the close of each policy period, we may do an audit to compute the earned premium for that period. Any additional premium found to be due as a result of the audit are due and payable on notice to the first Named Insured. If the deposit premium paid for the policy term is greater than the earned premium, we will return the excess to the first Named Insured. 3. The first Named Insured must maintain all records related to the coverage provided by this Policy and necessary to finalize the premium audit, and send us copies of the same upon our request. K. PAYMENT OF PREMIUMS If your initial premium payment is by check draft, electronic funds transfer, credit card, debit card, or any other form of remittance, coverage under the Policy is conditioned on payment to us by the financial institution. If the financial institution does not honor such remittance upon presentment, this policy may, at our option, be deemed void from its inception. Our President and Secretary have signed this Policy. Where required by law, the Declarations page has also been countersigned by our duly authorized representative. Lisa Levin, Secretary Douglas Elliot, President RAMwagmedDMsiun Form SC 00 00 10 18 �w GF ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt