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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />a.Paid to us prior to the anniversary date; and <br />b.Determined in accordance with Paragraph2. above. <br />Ourformsthenineffectwillapply.Ifyoudonotpaythecontinuationpremium,thisPolicywillexpireonthefirst <br />anniversary date that we have not received the premium. <br />4.Changesinexposuresorchangesinyourbusinessoperation,acquisitionoruseoflocationsthatarenotshownin <br />theDeclarationsmayoccurduringthepolicyperiod.Ifso,wemayrequireanadditionalpremium.Thatpremium <br />will be determined in accordance with our rates and rules then in effect. <br />I.TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY <br />1.YourrightsanddutiesunderthisPolicymaynotbetransferredwithoutourwrittenconsentexceptinthecaseof <br />death of an individual Named Insured. <br />2.Ifyoudie,yourrightsanddutieswillbetransferredtoyourlegalrepresentativebutonlywhileactingwithinthe <br />scopeofdutiesasyourlegalrepresentative.Untilyourlegalrepresentativeisappointed,anyonehavingproper <br />temporary custody of your property will have your rights and duties but only with respect to that property. <br />J.PREMIUM AUDIT <br />1.We will compute all premiums for this Policy in accordance with our rules and rates. <br />2.ThepremiumamountshownintheDeclarationsisadepositpremiumonly.Atthecloseofeachpolicyperiod,we <br />maydoanaudittocomputetheearnedpremiumforthatperiod.Anyadditionalpremiumfoundtobedueasa <br />resultoftheauditaredueandpayableonnoticetothefirstNamedInsured.Ifthedepositpremiumpaidforthe <br />policy term is greater than the earned premium, we will return the excess to the first Named Insured. <br />3.ThefirstNamedInsuredmustmaintainallrecordsrelatedtothecoverageprovidedbythisPolicyandnecessary <br />to finalize the premium audit, and send us copies of the same upon our request. <br />K.PAYMENT OF PREMIUMS <br />Ifyourinitialpremiumpaymentisbycheckdraft,electronicfundstransfer,creditcard,debitcard,oranyotherformof <br />remittance,coverageunderthePolicyisconditionedonpaymenttousbythefinancialinstitution.Ifthefinancial <br />institutiondoesnothonorsuchremittanceuponpresentment,thispolicymay,atouroption,bedeemedvoidfromits <br />inception. <br />OurPresidentandSecretaryhavesignedthisPolicy.Whererequiredbylaw,theDeclarationspagehasalsobeen <br />countersigned by our duly authorized representative. <br />Kevin Barnett, SecretaryM. Ross Fisher, President <br />Form SC 00 00 10 18Page3 of 3 <br />© 2018, The Hartford <br />(May include copyrighted material of Insurance Services Office, Inc., with its permission) <br /> <br />