**(g) Loss of facultative reinsurance, or loss of or substantial changes in applicable reinsurance as provided in G.S. 58-41-30;**

**(h) Conviction of the insured of a crime arising out of acts that materially affect the insurability of the risk;**

**(i) A determination by the Commissioner of Insurance that the continuation of the policy would place us in violation of the laws of North Carolina; or**

**(j) You fail to meet the requirements contained in our corporate charter, articles of incorporation or by-laws when we are a company organized for the sole purpose of providing members of an organization with insurance coverage in North Carolina.**

We will mail or deliver written notice of cancellation to the first Named Insured at least:

(i) 15 days before the effective date of cancellation if we cancel for nonpayment of premium; or

(ii) 30 days before the effective date of cancellation if we cancel for any other reason.

**c. Cancellation for nonpayment of premium will not become effective if you pay the premium amount due before the effective date of cancellation.**

**d. We may also cancel this policy for any reason not stated above provided we obtain your prior written consent.**

**B. The following provisions are added and supersede any other provisions to the contrary:**

**1. Nonrenewal**

**a. If we elect not to renew this policy, we will mail or deliver to the first Named Insured shown in the Declarations written notice of nonrenewal at least 45 days prior to the:**

**(1) Expiration of the policy if this policy has been written for one year or less; or**

**(2) Anniversary date of the policy if this policy has been written for more than one year or for an indefinite term.**

**b. We need not mail or deliver the notice of nonrenewal if you have:**

**(1) Insured property covered under this policy, under any other insurance policy;**

**(2) Accepted replacement coverage; or**

**(3) Requested or agreed to nonrenewal of this policy.**

**c. If notice is mailed, proof of mailing will be sufficient proof of notice.**

**2. The written notice of cancellation or nonrenewal will:**

**a. Be mailed or delivered to the first Named Insured and any designated mortgagee or loss payee at their addresses shown in the policy, or if not indicated in the policy, at their last known addresses; and**

**b. State the reason or reasons for cancellation or nonrenewal.**