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Attachment Code:D568038 Certificate ID: 16059509 Policy Number 72UENOL5481/EPK-142587 IL 02 70 08 11 C. The following is added and supersedes any (2)The Commissioner of Insurance finds provisions to the contrary: that the exposure to potential losses will Nonrenewal threaten our solvency or place us in a 1. Subject to the provisions of Paragraphs C.2. hazardous condition. A hazardous and C.3. below, if we elect not to renew this condition includes, but is not limited to, a policy,we will mail or deliver written notice, stating condition in which we make claims the reason for nonrenewal, to the first Named payments for losses resulting from an Insured shown in the Declarations, and to the earthquake that occurred within the producer of record, at least 60 days, but not more preceding two years and that required a than 120 days, before the expiration or reduction in policyholder surplus of at anniversary date. least 25%for payment of those claims; or We will mail or deliver our notice to the first (3)We have: Named Insured, and to the producer of record, at (a) Lost or experienced a substantial the mailing address shown in the policy. reduction in the availability or scope of 2. Residential Property reinsurance coverage; or This provision applies to coverage on real property (b) Experienced a substantial increase in used predominantly for residential purposes and the premium charged for reinsurance consisting of not more than four dwelling units, coverage of our residential property and to coverage on tenants' household property insurance policies; and the Commissioner contained in a residential unit, if such coverage is has approved a plan for the nonrenewals written under one of the following: that is fair and equitable, and that is Commercial Property Coverage Part responsive to the changes in our Farm Coverage Part---- Farm Property---- Farm reinsurance position. Dwellings, Appurtenant Structures And c.We will not refuse to renew such Household Personal Property Coverage Form coverage solely because the first Named a. We may elect not to renew such Insured has cancelled or did not renew a coverage for any reason, except as policy, issued by the California provided in b., c. and d. below. Earthquake Authority, that included an b.We will not refuse to renew such earthquake policy premium surcharge. coverage solely because the first Named d.We will not refuse to renew such Insured has accepted an offer of coverage solely because corrosive soil earthquake coverage. conditions exist on the premises. This However, the following applies only to restriction (d.) applies only if coverage is insurers who are associate participating subject to one of the following, which insurers as established by Cal. Ins. Code exclude loss or damage caused by or Section 10089.16. We may elect not to resulting from corrosive soil conditions: renew such coverage after the first (1) Commercial Property Coverage Part Named Insured has accepted an offer of ---- Causes Of Loss----Special Form; or earthquake coverage, if one or more of (2) Farm Coverage Part----Causes Of the following reasons applies: Loss Form---- Farm Property, Paragraph (1)The nonrenewal is based on sound D. Covered Causes Of Loss----Special. underwriting principles that relate to the 3.We are not required to send notice of coverages provided by this policy and that nonrenewal in the following situations: are consistent with the approved rating a. If the transfer or renewal of a policy, plan and related documents filed with the without any changes in terms, conditions Department of Insurance as required by or rates, is between us and a member of existing law; our insurance group. / ..,,,.?.a.,,,.,,, Risk M&gement APPROVED BY: REVIEWED de APPROVED BY. fkilfliwia 11,04, a IL 02 70 08 11 ©Insurance Services Office, Inc., 2010 ® Risk Management Specialist /