James Davis, et al Plaintiff vs. Southern Fidelity Insurance Company Defendant

. Waiver Or Change Of Policy Provisions

A waiver or change of a provision of this policy

must be in writing by us to be valid. Our request

for an appraisal or examination will not waive any

of our rights.

Cc. Cancellation

You may cancel this policy at any time by

returning it to us or by letting us know in

writing of the date cancellation is to take

effect.

We may cancel this policy only for the

reasons stated below by letting you know in

writing of the date cancellation takes effect.

This cancellation notice may be delivered to

you, or mailed to you at your mailing address

shown in the Declarations. Proof of mailing

will be sufficient proof of notice.

a. When you have not paid the premium, we

may cancel at any time by letting you

know at least 10 days before the date

cancellation takes effect.

b. When this policy has been in effect for

less than 60 days and is not a renewal

with us, we may cancel for any reason by

letting you know at least 10 days before

the date cancellation takes effect.

c. When this policy has been in effect for 60

days or more, or at any time if it is a

renewal with us, we may cancel:

(1) If there has been a material

misrepresentation of fact which if

known to us would have caused

us not to issue the policy; or

(2) If the risk has changed substan-

tially since the policy was issued.

This can be done by letting you know

at least 30 days before the date

cancellation takes effect.

d. When this policy is written for a period of

more than one year, we may cancel for

any reason at anniversary by letting you

know at least 30 days before the date

cancellation takes effect.

When this policy is canceled, the premium for

the period from the date of cancellation to the

expiration date will be refunded pro rata.

Ifthe return premium is not refunded with the

notice of cancellation or when this policy is

returned to us, we will refund it within a

reasonable time after the date cancellation

takes effect.

D. Nonrenewal

F.

Contains copyrighted information from Insurance Services Office, Inc.

We may elect not to renew this policy. We may do

so by delivering to you, or mailing to you at your

mailing address shown in the Declarations,

written notice at least 30 days before the

expiration date of this policy. Proof of mailing will

be sufficient proof of notice.

Assignment

Assignment of this policy will not be valid unless

we give our written consent.

Subrogation

An "insured" may waive in writing before a loss all

tights of recovery against any person. If not

waived, we may require an assignment of rights of

recovery for a loss to the extent that payment is

made by us.

Page 22 of 23If an assignment is sought, an "insured" must sign

and deliver all related papers and cooperate with

us.

Subrogation does not apply to Coverage F or

Paragraph C. Damage To Property Of Others

under Section Il - Additional Coverages.

G. Salvage Rights

In the event we pay you and or your loss payee

for a total loss under this policy, we will be

entitled to any and all salvage rights associated

with this loss. You agree that you will take all

reasonable steps necessary to help us fulfill our

salvage rights, including, but not limited to,

signing over title to any property subject to

salvage. In the event your home is declared a

total loss or any reason, upon payment of that

loss, we will obtain any and all salvage rights to

the home and you will be required to vacate the

premises within thirty (30) days of reasonable

notice by us. We shall have sixty (60) days to take

whatever steps are necessary to avail ourselves

of our salvation rights un-der this provision. Our

sixty (60) days will not begin until the time we