policy written notice stating when not less than thirty days thereafter, such cancellation shall be effective. The mailing of notice or allowance shall be sufficient proof of notice. The time of the surrender or the effective date and place of cancellation stated in the notice shall become the end of the policy term. Delivery of such written notice either by the Insured or by the Company shall be equivalent to mailing. If the Insured cancels, earned premiums shall be computed in accord ance with the customary short rate table and procedure. If the Company cancels, earned premiums may be computed on basis of actual adjustment made, but original premium shall be refunded if no loss has occurred.

12. Terms of Policy Conformed to Statutes. Terms of this which we give a contract of insurance, and the same is made subject to all laws of the state where this is executed and hereby agree that to conform to such statutes.

In Witness Whereof, the Company has caused this policy to be executed and accepted, but this company will not be liable unless counter signed by a duly authorized representative of the Company.