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Hiscox Insurance Company Inc. <br />Endorsement 3 <br />NAMED INSURED: STRAIGHTLINE COMMUNICATIONS <br />California Amendatory Endorsement <br />40 <br />HISCOX <br />encourage Courage - <br />Page 2 of 3 <br />(c) Ajudgment by a court or an administrative tribunal that the Insured has violated a California or <br />Federal law, having as one of its necessary elements an act which materially increases any of the <br />risks insured against; <br />(d) Discovery of willful or grossly negligent acts or omissions, or of any violations of state laws or <br />regulations establishing safety standards, by the Insured or the Insured's representative, which <br />materially increase any of the risks insured against; <br />(a) Failure by the Insured or the Insured's representative to implement reasonable loss control <br />requirements, agreed to by the Insured as a condition of policy issuance, or which were conditions <br />precedent to Our use of a particular rate or rating plan, if that failure materially increases any of the <br />risks insured against; <br />(f) A determination by the Commissioner of Insurance that the <br />Loss of, or changes in, our reinsurance covering all or part of the risk would threaten Our <br />financial integrity or solvency; or <br />Continuation of the policy coverage would: <br />a. Place Us in violation of California law or the laws of the state where We are domiciled; <br />or <br />b. Threaten Our solvency. <br />(g) A change by the Insured or the Insured's representative in the activities or property of the <br />commercial or industrial enterprise, which results in a materially added, increased or changed risk, <br />is included in the Policy. <br />D. The mailing of the notice of cancellation shall be sufficient proof of notice and this Policy shall terminate <br />at the date and hour specified in such notice. If We cancel this Policy, any return premium shall be <br />calculated pro rata. Payment or tender of any unearned premium by Us shall not be a condition <br />precedent to the effectiveness of the cancellation, but such payment shall be made as soon as <br />practicable. <br />Nonrenewal <br />A. If We elect not to renew this Policy, We will mail or deliver to the Named Insured written notice of <br />nonrenewal, stating the reason for nonrenewal, not less than sixty (60) days, but not more than one <br />hundred twenty (120) days before the end of the Policy Period. <br />We will mail the notice of nonrenewal to the Named Insured at the last mailing address known Us. If the <br />notice of nonrenewal is mailed, proof of mailing will be sufficient proof of notice. <br />B. We are not required to send notice of nonrenewal in the following situations: <br />(a) If the transfer or renewal of a policy, without any changes in terms, conditions or rates, is between <br />Us and a member of Our insurance group. <br />(b) If the policy has been extended for 90 days or less, provided that notice has been given in <br />accordance with paragraph A above. <br />Rtek muagenma Divielan <br />yry [cREVIEWED&pAP,PIRO�V)BJBY�: <br />�•• Ruk Management Analyst <br />