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COMMON POLICY CONDITIONS <br />a. Someone insured by this insurance; <br />b. A business firm: <br />(1) Owned or controlled by you; or <br />(2) That owns or controls you; or <br />c. Your tenant. <br />You may also accept the usual bills of lading or <br />shipping receipts limiting the liability of carriers. <br />This will not restrict your insurance. <br />K. Transfer Of Your Rights And Duties Under This <br />Policy <br />Your rights and duties under this policy may not be <br />transferred without our written consent except in the <br />case of death of an individual Named Insured. <br />If you die, your rights and duties will be transferred <br />to your legal representative but only while acting <br />within the scope of duties as your legal <br />representative. Until your legal representative is <br />appointed, anyone having proper temporary <br />custody of your property will have your rights and <br />duties but only with respect to that property. <br />L. Premium Audit <br />a. We will compute all premiums for this policy in <br />accordance with our rules and rates. <br />b. The premium amount shown in the Declarations <br />is a deposit premium only. At the close of each <br />audit period we will compute the earned <br />premium for that period. Any additional <br />premium found to be due as a result of the <br />audit are due and payable on notice to the first <br />Named Insured. If the deposit premium paid <br />for the policy term is greater than the earned <br />premium, we will return the excess to the first <br />Named Insured. <br />c. The first Named Insured must maintain all <br />records related to the coverage provided by this <br />policy and necessary to finalize the premium <br />audit, and send us copies of the same upon our <br />request. <br />Our President and Secretary have signed this policy. Where required by law, the Declarations page has also been <br />countersigned by our duly authorized representative. <br />r' 1 <br />r' r <br />r � <br />i <br />Kevin Barnett, Secretary M. Ross Fisher, President <br />oR,N F RiskMougementDMsian <br />REVIEWED & APPROVED BY. <br />o, z <br />A-j:e Acev44 <br />Risk Management Specialist <br />Form SS 00 05 10 08 Page 3 of 3 <br />