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<br />JUL 26 '05 14:25 FROM: <br /> <br />5. Premium Audi' <br /> <br />e. We will compute all premiums for this Cover- <br />age Part in accordance with our (ules and <br />rates. <br /> <br />b. Premium .hown in this Coverage Part as ad- <br />vance premium is a deposit premium onlv. At <br />the close of each audit Plilriod we will com- <br />pute the earned premium for that period and <br />send notice to the first Named Insured. Tho <br />due data for audit and rstfiJspectiv8 premiums <br />is the dato shown as the duo date on tho bill. <br />If the sum of tha advance and audit premiums <br />paid for the policy period i. greater than the <br />earned premium, we will return the excesS to <br />the first Named Insured. <br /> <br />c. The fir:3t Nomad Im;uted must keep records af <br />the information we noed tor premium compu- <br />tl:ltion. and ~.nd us COpilJS at such times as <br />we may request. <br /> <br />6. Repr8Bentations <br /> <br />By occepting this policy, you agree: <br /> <br />a. The statements in the Declarations are accu- <br />rate and complete; <br /> <br />b. Thot:" statements are based upon representa- <br />tion. you made to us; and <br /> <br />c. We have issued thi, P(l,licy in refiancB upon <br />your representations, <br /> <br />7. Separalion Of Inoureds <br /> <br />Except with rU5poct to tho Limits of Insurance, <br />and any rights or duties specifically a.signed in <br />this Coverage Part to the firs.t Named Insured, <br />this insurance applies: <br /> <br />a. A. if each Named Insured were the only <br />Named Insured; and <br /> <br />b, Separately to each io,.ured against whom <br />cl,Qim is made or "suit" 19 brought. <br /> <br />8. Tronsfer Of Rlghto Of Re/)overy Againet Othero <br />To Uo <br /> <br />If the iniOured has rights to recover all or part of <br />any payment we have made under this Coverage <br />Part, those rights ijre transferred to us. The in- <br />sured must do nothing after loss to impair them. <br />At .cur reQUest, the insured will bring "suit'l or <br />transfer those rights to us and help us enforce <br />them. <br /> <br />S. When We Do Not Rene.. <br /> <br />If we decide not to renew this Coverage Part, we <br />will mail or deliver to the first Named In.ured <br />shown in the Declarations written notice of the <br />nonrenewal not less than 30 days before the ex- <br />piration data. <br /> <br />If notice is mailed, proof of mailing will be suffi- <br />cient proof of notice. <br /> <br />T-246 P 32/44 F-OTO <br /> <br />SECTION V - DEFINITIONS <br /> <br />1. n Advertisement" means a notice that is broadc8st <br />or published to the general public or specific mar- <br />ket segments about your goodS, prodLlcts or 89r~ <br />vices for the purpose of attracting customers or <br />supporters. For the purposes of thia dafinition: <br /> <br />a. Notices that are published include material <br />placed on the Internet or on similar electronic <br />moan&. of communication; and <br /> <br />b. Regarding web-sites. only thet pert of a web- <br />site that Is about your goodG. products or ser~ <br />vices for the purposes of attracting customers <br />or supporters i3 con5idered an advertisement. <br /> <br />2. "Auto. means a land motor vehicle, trailer or <br />semitrailer deSIgned for travel on public road.. in- <br />cluding any attached machinery or equipment, But <br />"auto" does not include nmobile equipment", <br /> <br />3. "Bodily injury" mean. bodily injury. sickness or <br />disease .ustained by a person. including death re- <br />sulting from any of these at any time. <br /> <br />4. "Coverage territory" means: <br /> <br />a. The United States of Amorica (including its <br />territorieiO and possessions), Puerto Rico and <br />Canada; <br /> <br />b. International waIers Dr air3pace, but only if <br />the injury or damage occurs in the course of <br />travel or transportation between any places <br />included in e. above; or <br /> <br />c. All other parts of the world if the injury or <br />damage arises out of; <br /> <br />111 Goods or products made or sold by you in <br />the territory dSiOoribed in 8. above: <br /> <br />(21 The activities of a person whose home is <br />in the territory described In a. .bova, but <br />is away far 8 sho" time on your business; <br />or <br /> <br />(3) npersonal and advertising injury" offenses <br />that take place through tho Internet or <br />similar electronic means of communication <br /> <br />provided the insured's responsibility to pay <br />damages is determined in a nsujt" on the mer- <br />its. in the territory described in 8. above or in <br />a seulement we agree to. <br /> <br />G. "Employee" includes a "leased worker", "Em~ <br />ployee" does not include a "temporary worker". <br /> <br />6. "Executh/e officar" moans a person holding any of <br />the officer positions created by your charter, <br />constitution I by-laws cr any other similar govern- <br />ing document. <br /> <br />1. "'Hostile fire" means one which becomes uncon- <br />trollable or breaks out from where it waG intended <br />to be. <br /> <br />CG 00 01 1001 <br /> <br />Copyright, ISO Properties, Inc.. 2000 <br /> <br />Pasa11 of 14 <br />