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Attachment Code:D568038 Certificate ID: 16059509 Policy Number 72UENOL5481/EPK-142587 IL 02 70 08 11 (4) Discovery of willful or grossly negligent B.The following provision is added to the acts or omissions, or of any violations of Cancellation Common Policy Condition: state laws or regulations establishing 7. Residential Property safety standards, by you or your This provision applies to coverage on real property representative,which materially increase which is used predominantly for residential any of the risks insured against. purposes and consisting of not more than four (5) Failure by you or your representative dwelling units, and to coverage on tenants' to implement reasonable loss control household personal property in a residential unit, if requirements, agreed to by you as a such coverage is written under one of the condition of policy issuance, or which following: were conditions precedent to our use of a Commercial Property Coverage Part particular rate or rating plan, if that failure Farm Coverage Part----Farm Property----Farm materially increases any of the risks Dwellings,Appurtenant Structures And Household insured against. Personal Property Coverage Form (6)A determination by the Commissioner a. If such coverage has been in effect for of Insurance that the: 60 days or less, and is not a renewal of (a) Loss of, or changes in, our reinsurance coverage we previously issued, we may covering all or part of the risk would cancel this coverage for any reason threaten our financial integrity or solvency; except as provided in b.and c. below. or b.We may not cancel this policy solely (b)Continuation of the policy coverage because the first Named Insured has: would: (1)Accepted an offer of earthquake (i) Place us in violation of California law or coverage;or the laws of the state where we are (2) Cancelled or did not renew a policy domiciled; or issued by the California Earthquake (ii)Threaten our solvency. Authority(CEA)that included an (7)A change by you or your earthquake policy premium surcharge. representative in the activities or property However,we shall cancel this policy if the of the commercial or industrial enterprise, first Named Insured has accepted a new which results in a materially added, or renewal policy issued by the CEA that increased or changed risk, unless the includes an earthquake policy premium added, increased or changed risk is surcharge but fails to pay the earthquake included in the policy. policy premium surcharge authorized by b.We will mail or deliver advance written the CEA. notice of cancellation, stating the reason c.We may not cancel such coverage for cancellation,to the first Named solely because corrosive soil conditions Insured, at the mailing address shown in exist on the premises.This restriction(c.) the policy, and to the producer of record applies only if coverage is subject to one at least: of the following,which exclude loss or (1) 10 days before the effective date of damage caused by or resulting from cancellation if we cancel for nonpayment corrosive soil conditions: of premium or discovery of fraud; or (1) Commercial Property Coverage Part-- (2) 30 days before the effective date of Causes Of Loss—Special Form; or cancellation if we cancel for any other (2) Farm Coverage Part— Causes Of reason listed in Paragraph 3.a. Loss Form—Farm Property, Paragraph D. 5. If this policy is cancelled,we will send the first Covered Causes Of Loss—Special. Named Insured any premium refund due.The refund, if any, will be computed on a pro rata basis. However, the refund may be less than pro rata if we made a loan to you for the purpose of payment of premiums for this policy. The cancellation will be effective even if we have \ / not made or offered a refund. q,�o_A'., Risk ManagementD[rafrnt 3(-----) REVIEWED&APPROVED BY: ^i / r! "� '` Ct�t P�C¢U�o IL 02 70 08 11 ©Insurance Services Office, Inc., 2010 `® Risk Management Specialist /