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COMMON POLICY CONDITIONS <br /> a. Someone insured by this insurance; appointed, anyone having proper temporary <br /> b. A business firm: custody of your property will have your rights and <br /> duties but only with respect to that property. <br /> (1) Owned or controlled by you; or L. Premium Audit <br /> (2) That owns or controls you; or <br /> a. We will compute all premiums for this policy in <br /> c. Your tenant. accordance with our rules and rates. <br /> You may also accept the usual bills of lading or b. The premium amount shown in the Declarations <br /> shipping receipts limiting the liability of carriers. is a deposit premium only. At the close of each <br /> This will not restrict your insurance. audit period we will compute the earned <br /> K. Transfer Of Your Rights And Duties Under This premium for that period. Any additional <br /> Policy premium found to be due as a result of the <br /> audit are due and payable on notice to the first <br /> Your rights and duties under this policy may not be Named Insured. If the deposit premium paid <br /> transferred without our written consent except in the for the policy term is greater than the earned <br /> case of death of an individual Named Insured. premium, we will return the excess to the first <br /> If you die, your rights and duties will be transferred Named Insured. <br /> to your legal representative but only while acting c. The first Named Insured must maintain all <br /> within the scope of duties as your legal records related to the coverage provided by this <br /> representative. Until your legal representative is 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 /> Kevin Barnett,Secretary M.Ross Fisher,President <br /> I <br /> Page 3 of 3 <br /> Form SS 00 0510 08 <br />