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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SOUTH CAROLINA CHANGES - COMMON POLICY CONDITIONS This endorsement modifies insurance provided under the following: COMMON POLICY CONDITIONS Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section A., CANCELLATION: 1. Paragraph 2. is deleted and replaced by the following: We may cancel this Policy by mailing or delivering to the first Named Insured and the agent, if any, written notice of cancellation at least: a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. 2. Paragraph 3. is deleted and replaced by the following: We will mail or deliver our notice to the first Named Insured's and agent's last known addresses. 3. Paragraph 5. is deleted and replaced by the following: If this Policy is canceled, we will send the first Named Insured any premium refund due. Such refund will be pro rata. The cancellation will be effective even if we have not made or offered a refund. 4. The following provision is added and supersedes any provisions to the contrary: Cancellation Of Policies In Effect For 120 Days Or More If this Policy has been in effect for 120 days or more, or is a renewal or continuation of a Policy we issued, we may cancel this Policy only for one or more of the following reasons: a. Nonpayment of premium; b. Material misrepresentation of fact which, if known to us, would have caused us not to issue the Policy; c. Substantial change in the risk assumed, except to the extent that: (1) We had notice of the risk within the first 120 days of the policy period and this is not a renewal or continuation of a policy we issued; or (2) We should reasonably have foreseen the change or contemplated the risk in writing the Policy; d. Substantial breaches of contractual duties, conditions or warranties; or e. Loss of our reinsurance covering all or a significant portion of the particular Policy insured, or where continuation of the Policy would imperil our solvency or place us in violation of the insurance laws of South Carolina. Prior to cancellation for reasons permitted in this item e., we will notify the Commissioner, in writing, at least sixty days prior to such cancellation and the Commissioner will, within thirty days of such notification, approve or disapprove such action. Any notice of cancellation will state the precise reason for cancellation. B. The following provisions is added and supersedes any provisions to the contrary: NONRENEWAL 1. If we decide not to renew this Policy, we will mail or deliver written notice of nonrenewal to the first Named Insured and agent, if any, at their last known addresses. If notice is mailed, proof of mailing will be sufficient proof of notice. 2. If we decide not to renew this Policy, we will notify you of our decision in advance of: a. The expiration date of this Policy, if the Policy is written for a term of one year or less; or b. An anniversary date of this Policy, if the Policy is written for a term of more than one year. ew cF RAMwagmedDMsian Form SC 01 39 09 19 J_/ ,qq REVIEWED & APPROVED BY.- © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1- --WR r skPjanagementAnalpt