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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH CAROLINA CHANGES This endorsement modifies insurance provided under the following: COMMON POLICY CONDITIONS STANDARD PROPERTY COVERAGE FORM SPECIAL PROPERTY COVERAGE FORM BUSINESS LIABILITY COVERAGE FORM MORTGAGEHOLDERS ERRORS AND OMISSIONS COVERAGE FORM A. The following changes apply to the Common Policy Conditions form. 1. Cancellation Paragraph A.2. Cancellation is deleted and replaced by the following: 2. Cancellation Requirements a. Policies In Effect Less Than 60 Days If this policy has been in effect for less than 60 days, we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: (1) 15 days before the effective date of cancellation if we cancel for nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. b. Policies In Effect More Than 60 Days If this policy has been in effect for 60 days or more, or is a renewal of a policy we issued, we may cancel this policy prior to the: (1) Expiration of the policy term; or (2) Anniversary date, stated in the policy only for one or more of the following reasons: (a) Nonpayment of premium; (b) An act or omission by the insured or his or her representative that constitutes material misrepresentation or nondisclosure of a material fact in obtaining this policy, continuing this policy or Form SS 01 09 02 14 © 2014, The Hartford presenting a claim under this policy; (c) Increased hazard or material change in the risk assumed that could not have been reasonably contemplated by the parties at the time of assumption of the risk; (d) Substantial breach of contractual duties, conditions or warranties that materially affects the insurability of the risk; (e) A fraudulent act against us by the insured or his or her representative that materially affects the insurability of the risk; (f) Willful failure by the insured or his or her representative to institute reasonable loss control measures that materially affect the insurability of the risk after written notice by us; (g) Loss of facultative reinsurance, or loss of or substantial changes in applicable reinsurance as provided in G.S. 58-41-30; (h) Conviction of the insured of a crime arising out of acts that materially affect the insurability of the risk; (i) A determination by the Commissioner of Insurance that the continuation of the policy would place us in violation of the laws of North Carolina; or Q) Yot req ew cF RAMwagementDMsian Jy/\'x REVIEWED & APPROVED BY.- V"° --� Risk janagement Analyst