CIVIC COLLECTIONS, INC. 3D - 2005

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JUL 16 '05 14:18 FRO~: T-146 P 08/44 F-070 ILOO 171198 COMMON POLICY CONDITIONS All Coverage Pal1S Included in Ihi.. policy ere subject to the following conditions. A. eancollatlDn 1. The first Named Insured shown in the Decla- rations may cancellhls policy by mailing or delivering to us advancll written notice of cancellation 2. We may cancel this p(~lcy by mailing or delivering to the first Narned Insured wrlnen notice of cancellation atl(,ast: a. 10 days before the e~eclive date of can- cellation if we cancel for nonpayment of premium, or b. 30 days before the e/fectlve date of can- cellation ~ we cancel for any other rQ;ilson. 3. We will mall or deliver our nollce to the first Nllmed Insured's lasl mlliling address known to us. 4. Notice of cancellation will stale the effective date of cancellation. The policy period will end on thaI dale. 5. If this policy is cancellad. we will send the first Nemed Insured any prllmium refund due. II we cancel, the refund will be pro rata. If the first Namoo Insur9d cancels. the refund may be less than pro rata. The cancellation will be eftective even if we hav'l nDt made or oftered a refund. II. If notice is mailed, proof of mailing will be su/flcient proof of notlc(~. B_ Chana'"' This policy cDntalns all the agreements between you and us concerning the Insulllnce IlHordOO. The IIrst Named Insured (,hDwn in the Declara- tions Is authorized to makel changes In the terms Df this polley with our consom\. This policy's terms can be smendsd or waived only by endorsement issued by us and made a part of this policy. C. examination O! Your Boolos And Reoord" We may examine and audit your books and rec- ords as they relate 10 Ihls policy stllny time dur- ing the policy period and up to three years afterward. D. In"pectlon. And Surveys 1. We have the right to: a. Make inspections and SUNeys at any time: b. Give you repol1s on the conditions we find: and c. Recommend changes. 2. We are not obligated to make any Inspec- tions. SUNeys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections We dD not undertake to perform the duty of any person or organization to provlae lor the health or safety of workers or the public. And we do not warrant that conaltlons: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us. but also to any rating, ad- visory, rate seNice or similar organization which makas Insurance inspections, suNeys, repol1s or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections. sUNeys. reports or re- commendations we may make relative to cer- t~ication, under state or municipal statutes, ordinances or regulations, 01 boilers. pres- sure vessels or elevators. E- Pr..mlumo: Tha first Named Insured shown in the Decla- rations: 1 . I s responsible for the payment of all pre- miums; and 2. Will be the payee for any relurn premiums we pay. E Transfer O! 'l'Dur Rights And Duties Under This Policy 'l'our rights and duties under this policy may nol be transferred without our written consent except in the case of death of an individual Named Insured. If you die. your rights and duties will be tran- sferred to your legal representative but only while actina within the scope of duties as your legal representative. Until your legal representatllle is appointed, anyone having proper temporary custody of your property will have your rights and duties bUI only with respect to that propel1Y. ILOO11119B Copyrlghl.lnsurance SeNlces Oft ice, Inc., 1998 GU 519 (11-98) Page 1 of 1