by the Named Insured after such Credit Rating Downgrade, the Company shall retain the pro rata proportion of the premium herein.

Payment or tender of any unearned premium by the Company shall not be a condition precedent to the effectiveness of cancellation but such payment shall be made as soon as practicable.

4. OTHER INSURANCE -
If other valid and collectible insurance is available to the Insured covering a loss also covered by this Policy, other than a Policy that is specifically written to apply in excess of this Policy, the insurance afforded by this Policy shall apply in excess of and shall not contribute with such other insurance.

5. NOTICE OF OCCURRENCE, CLAIM OR LOSS -
Whenever the Insured has information from which they may reasonably conclude that an Occurrence, Claim or Loss covered hereunder involves injuries or damages which, in the event that the Insured should be held liable, is likely to involve this Policy, notice shall be sent to the Company stated in Item 7.a) of the Declarations as soon as practicable.

6. NON FOLLOW FORM -
Notwithstanding the terms, conditions and exclusions or limitation of this Policy, in no event shall this Policy follow the terms, conditions, exclusions or limitations in the Followed Policy or provide coverage under this Policy with respect to or as a result of any of the following clauses or similar clauses in the Followed Policy:

a. Liberalization Clause;
b. Cancellation, non-renewal or change in terms notice provisions;
c. State specific "No fault", Uninsured Motorist or Underinsured Motorist or similar law and any state mandatory clause or endorsement;
d. Crisis Management or Crisis Response provisions;
e. Accidental Insurance provisions; or
f. Sublimit of liability, unless coverage for such sublimit is specifically endorsed to this Policy;
g. Service of Suit or Consent to Jurisdiction clause or endorsement.

7. RESTRICTIVE AS UNDERLYING AND QUOTA SHARE -
Notwithstanding the terms, conditions and exclusions or limitations of this Policy, if either:

a. Any Underlying Policy(ies) with limits of liability in excess of the Followed Policy but underlying to this Policy (the Intervening Policy(ies) as set forth in Section 1 of Endorsement No 1 to this Policy and hereinafter referred to as "Intervening Policy(ies)") ;
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This text appears to be part of an insurance policy document, detailing various clauses related to the coverage, notice requirements, and exclusions. The document specifies how the company will retain its proportion of the premium after a credit rating downgrade, the conditions for cancellation, the application of other insurance policies, and the non-follow form and restrictive clauses regarding underlying and quota share policies.