178241-6-93 NY

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(1) The expiration date: or

(A) If we decide not to renew this policy as provided in CONDITIONS 9, and 10, above, We will mail or deliver written notice to the insured named insured shown in the Declarations at least sixty (60) but not more than one hundred twenty (120) days before:

11. NOTICES OF NONRENEWAL AND CONDITIONAL RENEWAL.

We will send notice as provided in CONDITION 11 below.

We will send notice as provided in CONDITION 11 below.

(6) Increased premiums in excess of 10%, exclusive of any premium increase due to and commensurate with increased value added; or as a result of experience rating, retroactive rating or audit;

(5) Addition of exclusions; or

(4) Increased deductible;

(3) Reduction of coverage;

(2) Change in type of coverage;

(1) Change of limits;

(A) If we condition renewal of this policy upon:

10. CONDITIONAL RENEWAL.

11. We along with the reason for nonrenewal.

If we decide not to renew this policy We will send notice as provided in CONDITION 9. NONRENEWAL.

G. The following CONDITIONS are added and supersede any other provisions to the contrary:

If an action can be maintained against us,

then a final judgment remains unsatisfied after 30 days from the entry of judgment,

then a final judgment remains unsatisfied after 30 days from the entry of judgment,

if a final judgment rendered on the facts of the law by a court of the judicial branch of government having original jurisdiction which disposes of a cause of action by declaring that the plaintiff is or is not entitled to the remedy asked for; but, final judgment does not include default judgments.

A "final judgment" means a judgment rendered on the facts of the law by a court of the judicial branch of government having original jurisdiction which disposes of a cause of action by declaring that the plaintiff is or is not entitled to the remedy asked for; but, final judgment does not include default judgments.

Us, the insured and the claimant of the liability signed by

An "agreed settlement" means a settlement and release of liability signed by

(B) A person or organization may sue Us to recover on an "agreed settlement" or

Our obligations hereunder.

(B) A person or organization may sue Us to recover on an "agreed settlement" or "final judgment", We will promptly pay the amount of any

losses falling within the terms of this insurance. All losses covered under this policy shall be due and payable by Us within thirty (30) days after they are respectively claimed and proof of loss filed with Us in conformity with this policy. Bankruptcy of insolvent of any insured shall not relieve Us of any of our obligations hereunder.