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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />Form SC 00 00 10 18 Page 2 of 3 <br />© 2018, The Hartford <br />(May include copyrighted material of Insurance Services Office, Inc., with its permission) <br />B.CHANGES <br />This Policy contains all the agreements between you and us concerning the insurance afforded.The first Named <br />Insured shown in the Declarations is authorized to make changes in the terms of this Policy with our consent.This <br />Policy's terms can be amended or waived only by endorsement issued by us and made a part of this Policy. <br />C.CONCEALMENT, MISREPRESENTATION OR FRAUD <br />This Policy is void in any case of fraud by you as it relates to this Policy at any time.It is also void if you or any other <br />insured, at any time, intentionally conceal or misrepresent a material fact concerning: <br />1.This Policy; <br />2.The Covered Property; <br />3.Your interest in the Covered Property; or <br />4.A claim under this Policy. <br />D.EXAMINATION OF YOUR BOOKS AND RECORDS <br />We may examine and audit your books and records as they relate to the Policy at any time during the policy period <br />and up to three years afterward. <br />E.INSPECTIONS AND SURVEYS <br />1.We have the right but are not obligated to: <br />a.Make inspections and surveys at any time; <br />b.Give you reports on the conditions we find; and <br />c.Recommend changes. <br />2.Any inspections,surveys,reports or recommendations will relate only to insurability and the premiums to be <br />charged.We do not make safety inspections.We do not undertake to perform the duty of any person or <br />organization to provide for the health or safety of any person. We do not represent or warrant that conditions: <br />a.Are safe or healthful; or <br />b.Comply with laws, regulations, codes or standards. <br />3.This condition applies not only to us,but also to any rating,advisory,rate service or similar organization which <br />makes insurance inspections, surveys, reports or recommendations on our behalf. <br />F.INSURANCE UNDER TWO OR MORE COVERAGES <br />If two or more of this Policy's coverages apply to the same loss or damage,we will not pay more than the actual <br />amount of the loss or damage. <br />G.LIBERALIZATION <br />If we adopt any revision that would broaden the coverage under this Policy without additional premium within 45 days <br />prior to, or at any time during, the policy period, the broadened coverage will immediately apply to this Policy. <br />H.PREMIUMS <br />1.The first Named Insured shown in the Declarations: <br />a.Is responsible for the payment of all premiums; and <br />b.Will be the payee for any return premiums we pay. <br />2.The premium shown in the Declarations was computed based on rates in effect at the time the Policy was issued. <br />If applicable,on each renewal,continuation or anniversary of the effective date of this Policy,we will compute the <br />premium in accordance with our rates and rules then in effect. <br />3.With our consent,you may continue this Policy in force by paying a continuation premium for each successive <br />policy period. The premium must be: <br />Docusign Envelope ID: 9DF92A24-B534-85BA-8088-342315DF1839