## C. CANCELLATION

1. The First Named Insured may cancel this policy by mailing or delivering advance written notice to us, or the agent or broker of record. The Policy Period will end on the effective date requested.

2. We may cancel this policy by mailing by first class or certified mail to the First Named Insured and to the agent or broker of record, at their last addresses known to us, written notice of cancellation stating the reason for cancellation, at least:

   a. Ten (10) days before the effective date of cancellation if we cancel for nonpayment of premium; or

   b. Sixty (60) days before the effective date of cancellation if we cancel for any other reason.

3. Notice of cancellation will state the effective date of cancellation. The Policy Period will end on the date of cancellation.

4. If this policy is cancelled, we will send the First Named Insured any premium refund due.

   a. If we cancel, the refund will be pro rata unearned premium.

   b. If the First Named Insured cancels, the refund may be less than pro rata.

   The cancellation will be effective even if we have not made or offered a refund.

5. A post office certificate of mailing or a certified mail receipt will be sufficient proof of mailing of notice.

**D. CHANGES -** The First Named Insured is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by a written endorsement issued by us and made a part of this policy.

**E. CONFORMITY WITH LAWS -** Any terms of this policy which are in conflict with the laws of the state or Canadian province where this policy is issued are amended to conform to such laws.

**F. DUTIES OF INSUREDS IN THE EVENT OF OCCURRENCE, CLAIM OR SUIT**

You must see to it that:

1. We are notified as soon as practicable:

   a. Of any Occurrence which may result in a claim under this policy; and

   b. If a claim is made or Suit is brought against any Insured.

2. Insureds:

   a. Cooperate with us in the investigation or settlement of any claim, or defense of any Insured against any Suit;

   b. Enforce any right, upon our request, against any person or organization which may be liable to any Insured because of injury or damage to which this policy applies; and

   c. Make no admission of liability, incur no expense other than first aid, and assume no obligation, without our consent.

**G. MAINTENANCE OF UNDERLYING INSURANCE**

While this policy is in effect you agree: