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## Cancellation of Section III - Conditions

### B. For all policies other than those specified in Paragraph A. of this endorsement, Paragraph 5. Cancellation of Section III - Conditions is revised as follows:

1. Paragraphs a., b., c., and e. of Paragraph 5. Cancellation of Section III - Conditions are replaced by the following:
   a. The first Named Insured shown in the Declarations may cancel this entire policy by mailing or delivering to us advance written notice of cancellation.
   b. Cancellation Of Policies In Effect
      (1) 60 Days Or Less
         We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least:
            (a) 30 days before the effective date of cancellation if we cancel for any reason not included in Paragraph 1.B.(1)(b) below.
            (b) 15 days before the effective date of cancellation if we cancel for any of the following reasons:
               (i) Nonpayment of premium, provided, however, that a notice of cancellation on this ground shall inform you of the amount due;
               (ii) Conviction of a crime arising out of acts increasing the hazard insured against;
               (iii) Discovery of fraud or material misrepresentation in the obtaining of the policy or in the presentation of a claim;
               (iv) After issuance of the policy or after the last renewal date, discovery of an act or omission, or a violation of any policy condition that substantially and materially increases the hazard insured against, and that occurred subsequent to inception of the current policy period;
               (v) Cancellation is required pursuant to a determination by the Superintendent that continuation of our present premium volume would jeopardize our solvency or be hazardous to the interest of our policyholders, our creditors or the public;

2. Nonrenewal
   a. If this policy is written for a period of less than one year and we decide, subject to New York Laws, not to renew or continue it, or to condition renewal or continuation on a reduction of Liability Coverage or elimination of any other coverage, we will mail or deliver to you written notice at least 45 but not more than 60 days before the end of the policy period.
   b. We will have the right not to renew or continue a particular coverage, subject to New York Laws, only at the end of each 12-month period following the effective date of the first of the successive policy periods in which the coverage was provided.
   c. We do not have to mail notice of non-renewal if you, your agent or broker or another insurance company informs us in writing that you have replaced this policy or that you no longer want it.

3. Mailing Of Notices
   We will mail or deliver our notice of cancellation, reduction of limits, elimination of coverage or nonrenewal to the address shown on the policy. However, we may deliver any notice instead of mailing it. If notice is mailed, a United States Postal Service certificate of mailing will be sufficient proof of notice.