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CONDITIONS <br />This Company binds the kind(s) of insurance stipulated on the reverse side. The Insurance is <br />subject to the terms, conditions and limitations of the policy(ies) in current use by the Company. <br />This binder may be cancelled by the Insured by surrender of this binder or by written notice to <br />the Company stating when cancellation will be effective. This binder may be cancelled by the <br />Company by notice to the Insured in accordance with the policy conditions. This binder is <br />cancelled when replaced by a policy. If this binder is not replaced by a policy, the Company is <br />entitled to charge a premium for the binder according to the Rules and Rates in use by the <br />Company. <br />APPLICABLE IN NEVADA <br />Any person who refuses to accept a binder which provides coverage of less than $1,000,000.00 <br />when proof is required: (A) Shall be fined not more than $500.00, and (B) is liable to the party <br />presenting the binder as proof of insurance for actual damages sustained therefrom. <br />