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DocuSign Envelope ID: COE7277A -DF52- 4508- 985D- E6BEFF54OE10 <br />Endorsement <br />BM <br />North Carolina Amendatory Endorsement ZURICH <br />Certificate No. <br />Ef€ Date of Cerr. <br />Exp. Date of Cert. <br />Eff. Date of End. <br />Add'1 Prem. <br />Return Prem. <br />VETPR0037091 <br />01/01/2018 <br />01/01/2019 <br />$511.00 <br />$0.00 <br />Named Certificate Holder and Mailing Address: Producer: <br />HUB International Midwest Limited <br />Clarissa Green Noureddine, DVM 55 East Jackson Boulevard <br />Chicago, IL 60604 -4187 <br />THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br />This endorsement modifies insurance provided under the: <br />Veterinary Professional Liability Insurance Policy <br />It is agreed that Section 1V — CONDITIONS, Paragraph D is deleted in its entirety and replaced with the following: <br />1. CANCELLATION <br />a. This policy may be canceled by the Named Certificate Holder by surrender of the policy to the Company or by mailing <br />written notice to the Company stating when such cancellation shall take effect. If canceled by the Named Certificate <br />Holder, the Company shall retain the customary short -rate proportion of the premium, In no event may the requested date of <br />cancellation be greater than ten (10) days prior to the date the request is received by the Company. <br />b. If this policy has been in effect less than sixty (60) days, the Company may cancel this policy for any reason by mailing <br />written notice by certified snail to the Named Certificate Holder at the address shown in the Certificate of Insurance, and <br />mailing to the producer of record, if any. Such cancellation shall be no fewer than fifteen (15) days from the date the notice <br />is mailed. Such notice shall state the reason for cancellation and if applicable be accompanied by a refund of unearned <br />premium, except a premium that has been financed. <br />c. If this policy is in effect sixty (60) days or more, the Company may cancel this policy for the following reasons: <br />(1) Nonpayment of premium in accordance with the policy terms; <br />(2) An act or omission by the Named Certificate Holder or his representative that constitutes material misrepresentation <br />or nondisclosure of a material fact in obtaining the policy, continuing the policy, or presenting a Claim under the <br />policy; <br />(3) Increase hazard or material change in the risk assu►ned that could not have been reasonably contemplated by the parties <br />at the time of assumption of the risk; <br />(4) Substantial breach of contractual duties, conditions, or warranties that materially affects the insurability of the risk; <br />(5) A fraudulent act against the company by the Named Certificate Holder or his representative that materially affects the <br />insurability of the risk; <br />(6) Willful failure by the Named Certificate Holder or his representative to institute reasonable loss control measures that <br />materially affect the insurability of the risk after written notice by the company; <br />(7) Loss of facultative reinsurance, or loss of or substantial changes in applicable reinsurance as provided in G.S.58- 41 -30; <br />(S) Conviction of the Insured of a crime arising out of acts that materially affect the insurability of the risk; or <br />(9) A determination by the commissioner that the continuation of the policy would place the Company in violation of the <br />laws of the state of North Carolina. <br />If the Company cancels subject to c(1) through c(9) above, the Company will mail by certified mail to the Named <br />Certificate Holder at the address shown in the Certificate of Insurance, and mail to the producer of record, if any. <br />Written notice of cancellation shall take effect fifteen (15) days from the date of mailing for the reasons set forth in c(l) <br />through c(9) above. <br />Any written notice of cancellation subject to c(1) through c(9) will state the reason for such cancellation and will be <br />accompanied by a refund of unearned premium, except a premium that has been financed. <br />d. If notice is mailed, proof of mailing will be sufficient proof of notice. <br />e. The Company shall refund the unearned premium computed at customary short rates if the policy is terminated by <br />the Named Certificate Holder. Under any other circumstances the refund shall be computed pro rata. <br />U- VPL- 128 -A -NC (09104) <br />Page 1 of 2 <br />