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E. The following Common Policy Condition is 3. Where, if the true facts had been known to us added: as required either by the application for the Renewal policy or otherwise, we in good faith would either; 1. If we elect to renew this policy and the renewal is subject to any of the following: a. Not have issued the policy; a. Increase in premium; b. Not have issued the policy in as large an amount; or b. Change in deductible; c. Not have provided coverage with respect c. Reduction in limits of insurance; or to the hazard resulting in the loss. d. Substantial reduction in coverage; G. The following is added to Paragraph J. Transfer we will mail or deliver written notice of the Of Rights Of Recovery Against Others To Us: change(s) to the first Named Insured, at the last If we pay an insured for a loss described in mailing address known to us, at least 30 days Paragraph 1.2, below, the rights of the insured to before the anniversary or expiration date of the recover damages from the perpetrator of the policy. domestic violence are transferred to us to the 2. If renewal is subject to any condition described extent of our payment. Following the loss, the in 1.a. through 1.d. above, and we fail to insured may not waive such rights to recover provide notice 30 days before the anniversary against the perpetrator of the domestic violence. or expiration date of this policy, the following PROVISIONS H AND I APPLY TO THE PROPERTY procedures apply: COVERAGE FROM: a. The present policy will remain in effect until H. Paragraph A.5.d. of the Special Property the earlier of the following: Coverage Form and paragraph AA.b. of the (1) 30 days after the date of mailing or Standard Property Coverage Form on Fire delivery of the notice; or Department Service Charge does not apply (2) The effective date of replacement I. The following exclusion and related provisions are coverage obtained by the first Named added to Paragraph B.2. Exclusions: Insured. Intentional Loss b. If the first Named Insured elects not to 1. With respect to loss caused by fire: renew, any earned premium for the period a. We will not pay for loss or damage arising of extension of the terminated policy will be out of any act committed: calculated pro rata at the lower of the following rates: (1) By or at the direction of the insured; (1) The rates applicable to the terminated and policy; or (2) With the intent to cause a loss. (2) The rates presently in effect. b. However, this exclusion will not apply to c. If the first Named Insured accepts the deny an insured's claim for an otherwise renewal, the premium increase, if any, and covered property loss under this policy if other changes are effective the day such loss is caused by another insured following this policy's anniversary or under this policy and the insured making expiration date. this claim: F. Paragraph C. Concealment, Misrepresentation Or Fraud is replaced by the following: Concealment, Misrepresentation of Fraud: We will not pay for any loss or damage in any case involving misrepresentations, omissions, concealment of facts or incorrect statements: 1. That are fraudulent; 2. That are material either to the acceptance of the risk, or to the hazard assumed by us; and Form SS 01 54 01 20 (1) Did not cooperate in or contribute to the creation of the loss; and (2) Cooperates in any investigation relating to the loss. We may apply reasonable standards of proof for such claims. ew cF RAMwagementDMsian Jy/\'x REVIEWED & APPROVED BY.- V"° --� Risk janagement Analyst