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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Form SC 01 04 10 18 Page 2 of 4 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) (ii)Threaten our solvency. (7)A change by you or your representative in the activities or property of the commercial or industrial enterprise,which results in a materially added,increased or changed risk,unless the added,increased or changed risk is included in the Policy. b.We will mail or deliver advance written notice of cancellation,stating the reason for cancellation,to the first Named Insured, at the mailing address shown in the Policy, and to the producer of record, at least: (1)10 days before the effective date of cancellation if we cancel for nonpayment of premium or discovery of fraud, or (2)30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph a. above 3.The following provision is added: Cancellation of Policies that Provide Coverage for Residential Property This provision applies to coverage on real property which is used predominantly for residential purposes and consisting of not more than four dwelling units,and to coverage on tenants'household personal property in a residential unit, if such coverage is written under this Policy: a.If such coverage has been in effect for 60 days or less,and is not a renewal of coverage we previously issued, we may cancel this coverage for any reason, except as provided in b. and c. below. b.We may not cancel solely because the first Named Insured has: (1)Accepted an offer of earthquake coverage; or (2)Cancelled or did not renew a policy issued by the California Earthquake Authority (CEA)that included an earthquake policy premium surcharge. However,we shall cancel this Policy if the first Named Insured has accepted a new or renewal policy issued by the CEA that includes an earthquake policy premium surcharge but fails to pay the earthquake policy premium surcharge authorized by the CEA. c.We may not cancel such coverage solely because corrosive soil conditions exist on the premises.This restriction c.applies only if coverage under the Special Property Coverage Form excludes loss or damage caused by or resulting from corrosive soil conditions. If a state of emergency under California Law is declared and the residential property is located in any ZIP Code within or adjacent to the fire perimeter,as determined by California Law,we may not cancel this Policy for one year,beginning from the date the state of emergency is declared,solely because the dwelling or other structure is located in an area in which a wildfire has occurred. However, we may cancel: a.When you have not paid the premium,at any time by letting you know at least 10 days before the date cancellation takes effect; b.If willful or grossly negligent acts or omissions by the named insured,or his or her representatives,are discovered that materially increase any of the risks insured against; or c.If there are physical changes in the property insured against,beyond the catastrophe-damaged condition of the structures and surface landscape, which result in the property becoming uninsurable B.Section C.,CONCEALMENT, MISREPRESENTATION OR FRAUD is deleted and replaced by the following: CONCEALMENT, MISREPRESENTATION OR FRAUD 1.We do not provide coverage to the insured who,whether before or after a loss or damage caused by fire,has committed fraud or intentionally concealed or misrepresented any material fact or circumstance concerning: a.This Policy; b.The Covered Property; c.That insured's interest in the Covered Property; or d.A claim under this Policy. Docusign Envelope ID: 9DF92A24-B534-85BA-8088-342315DF1839