ROSTER, JANET vs. GEOVERA SPECIALTY INSURANCE COMPANY

A subsequent edition of this policy; or

An amendatory endorsement.

B. 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.

C. 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