# Insurance Policy Document

## Conditions

1. **Premium Calculation**: All premiums for this policy shall be computed in accordance with the company's rates, rating plans, and premium tables applicable to the insurance afforded hereunder.

2. **Premium Designation**: Premium designated in this policy as "advance premium" is a deposit premium which will be credited against the first annual premium due at the end of the policy period. At the close of each period for which advance premium was paid, the named insured shall be notified of the amount of advance premium due and payment therefor. If notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and notice thereof is not received by the named insured within 30 days after the end of the policy period and