c. If cancellation is at the request of the first named insured, return premium will be computed at 90% of pro rata. If we cancel, return premium will be computed pro rata. If this policy insures more than one named insured, cancellation may be effected by the first of such named insureds for the account of all named insureds. Notice of cancellation by us to such first named insured will be deemed notice to all insureds and payment of any return premium to such first named insured will be for the account of all interests.

3. Duties in the Event of Occurrence, Claim or Suit

a. You MUST see to it that we and your underlying insurers:

(1) are notified as soon as possible of any occurrence which may result in a claim if the claims may involve this policy or any underlying policy.

(2) receive notice of the claim or suit as soon as possible.

(3) are helped, at our request, to enforce any right against any person or organization which may be liable to you because of injury or damage to which this insurance may also apply.

(4) receive your full cooperation as stated in this policy or any underlying policy.

b. It is a requirement of this policy that:

(1) you do NOT make any admission of liability.

(2) you do NOT, unless we agree, incur any expense or make any payment. If you do, this expense or payment will be at your own cost.

4. Maintenance of Underlying Insurance

While this policy is in effect, you agree to maintain the Underlying Insurance in full force. This means that:

a. Underlying Insurance may NOT be cancelled or not renewed by either you or the insurance company without notifying us;

b. renewals or replacements will NOT be more restrictive in coverage;

c. terms, conditions and endorsements of the Underlying Insurance will NOT materially change;