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policy to receive notice of cancellation at the addresses shown in the policy or, if not indicated in the <br /> policy, at the last known addresses. Whenever notice of cancellation is required to be given by registered <br /> or certified mail, cancellation will not be effective unless and until that method is employed and <br /> completed. Failure to send notice as provided in this paragraph to any other person designated in the <br /> policy to receive notice of cancellation invalidates the cancellation only as to that other person's interest. <br /> (d) Cancellation for nonpayment of premium is not effective if the amount due is paid before the effective <br /> date stated in the notice of cancellation. <br /> 3. We may refuse to renew this policy: <br /> (a) If this policy is for a term of one year or less, we must provide you with notice of nonrenewal at least 45 <br /> days prior to the expiration date of the policy. <br /> (b) If this policy is for a term of more than one year or for an indefinite term, we must provide you with notice <br /> of nonrenewal at least 45 days prior to the anniversary date of the policy. <br /> (c) The notice of nonrenewal must state the precise reason for nonrenewal. Failure to send this notice, as <br /> provided in paragraphs 3 and 5, to any other person designated in the policy to receive this notice <br /> invalidates the nonrenewal only as to that other person's interest. <br /> (d) Any nonrenewal attempted or made that is not in compliance with paragraphs (a), (b) and (c) is not <br /> effective. Paragraphs (a), (b) and (c) do not apply if you have obtained insurance elsewhere, have <br /> accepted replacement coverage,or have requested or agreed to nonrenewal. <br /> 4. Whenever we lower coverage limits, raise deductibles, or raise premium rates for reasons within our exclusive <br /> control and other than at your request, we will mail you written notice of the change at least 30 days in <br /> advance of the effective date of the change. As used in this paragraph, the phrase, "reasons within our <br /> exclusive control" does not mean experience modification changes, exposure changes, or loss cost rate <br /> changes. <br /> 5. We must provide the notice required by paragraphs 3 and 4 by mail to you and any other person designated in <br /> the policy to receive this notice at the addresses shown in the policy or, if not indicated in the policy, at the <br /> last known addresses. Mailing copies of the notice by regular first-class mail satisfies the notice requirements <br /> of paragraphs 3, 4 and 5. <br /> 6. We will also send copies of the notice required by this endorsement to the agent or broker of record, though <br /> failure to send copies of the notice to the agent or broker of record will not invalidate a cancellation or <br /> nonrenewal. Mailing copies of the notice by regular first-class mail to the agent or broker of record satisfies the <br /> requirements of this paragraph. <br /> WC 32 03 01B Countersigned by <br /> (Ed. 10/01) <br /> 02001 National Council on Compensation Insurance.Inc. 2 of 2 Authorized Representative <br />