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LOUISIANA CERTIFICATE OF STORAGE INSURANCE New Hampshire Insurance Company being a capital stock company 175 Water Street New York NY 10038 Master Policy 10570468 Certificate _______________________________ This Certificate of Storage Insurance hereinafter Certificate provides evidence of coverage under Master Policy 10570468 hereinafter Policy Various provisions in this Certificate restrict coverage Read the entire Certificate carefully to determine rights duties and what is and is not covered In this Certificate the person who is named as a tenant in the Rental Agreement and has elected insurance coverage under this Policy will be referred to as you and your The words we us and our refer to the Company providing this insurance Other words and phrases that appear in bold type have special meaning Refer to the DEFINITIONS section at the end of this Certificate INSURING AGREEMENT We will provide insurance under this Policy in consideration of your payment of the Premium corresponding to the Limit of Coverage elected by you as shown on the Election Agreement The most we will pay is the Limit of Coverage as indicated on the Election Agreement We will not pay more than the Limit of Coverage per occurrence for all insured property while in storage within the enclosed storage space described in the Rental Agreement For the purpose of identification and reference the certificate number assigned on your Election Agreement is deemed to be the Certificate Number assigned to this Certificate CERTIFICATE PERIOD The insurance coverage will become effective under each Certificate on the Coverage Effective Date indicated on the Election Agreement at 12 01am standard time at the storage facility address shown in the Rental Agreement The insurance attaches from such time until the termination of the Rental Agreement or when cancelled or non renewed as provided herein However coverage will not become effective while the storage facility is under a wildfire tornado tropical storm or hurricane watch or warning until 12 01am the day after the watch or warning is lifted PROPERTY INSURED The personal property insured under this Certificate consists of your personal property while in storage within the enclosed storage space described in the Rental Agreement We will also cover the personal property of others for which you may be liable or have assumed liability prior to a loss while in storage within the enclosed storage space described in the Rental Agreement However we will not cover the property of the Owner whether it is within or outside such enclosed storage space COVERED CAUSES OF LOSS We cover direct physical loss to insured property only while within the enclosed storage space described in the Rental Agreement and caused by the following 1 Fire 9 Falling Objects provided the exterior of the building containing 2 Lightning the insured property is first damaged by such falling objects 3 Windstorm or Hail 10 Weight of Ice Snow or Sleet 4 Explosion or Sonic Boom 11 Water Damage except as excluded under subparagraphs 2 b 5 Riot or Civil Commotion including 2 c 2 d 2 e 2 f and 2 p in EXCLUSIONS a Acts of striking employees and 12 Earth Movement including a Earthquake including any b Looting occurring at the time and place of a riot or civil earth sinking rising or shifting related to such event b Landslide commotion including any earth sinking rising or shifting related to such event 6 Aircraft or Vehicles meaning only physical contact of an aircraft or c Sinkhole Collapse meaning loss or damage caused by the a spacecraft a self propelled missile a vehicle or an object thrown sudden sinking or collapse of land into underground empty spaces by a vehicle with the insured property or with the building or created by the action of water on limestone or dolomite This structure containing the insured property provided that the exterior cause of loss does not include 1 The cost of filling sinkholes or of the building containing the insured property is first damaged 2 Sinking or collapse of land into man made underground This cause of loss includes loss or damage by objects falling from cavities aircraft 13 Collapse of Buildings containing the insured property 7 Smoke causing sudden and accidental loss or damage 8 Vandalism meaning willful and malicious damage to or destruction of the insured property ADDITIONAL COVERAGES We will also provide these additional coverages up to the amounts stated below These additional coverages do not increase the Limit of Coverage 1 Burglary We will pay up to the percentage of the Limit of Coverage you elected in your Election Agreement for loss by Burglary The term Burglary means the act of stealing insured property by forcible entry into the storage space described in the Rental Agreement and must be evidenced by visible signs of forced entry However this coverage only applies when such storage space is securely locked at the time of the forcible entry and does not apply to the lien enforcement procedures by the Owner A missing lock or the presence of a lock different than the lock placed by you on the storage space is not sufficient standing alone to establish forcible entry In the event of a Burglary claim you will bear the burden of proof to establish that a burglary has occurred In the event of a Burglary Claim you or the Owner must immediately report such Burglary to the appropriate law enforcement agency 2 Robbery We will pay up to the percentage of the Limit of Coverage you elected in your Election Agreement for loss by Robbery The term Robbery means the act of stealing insured property by violence or threat of violence against you or the Owner in order to gain unlawful access into the storage space described in the Rental Agreement In the event of a claim of a Robbery you or the Owner must immediately report the Robbery to the appropriate law enforcement agency 108105 01 17 Page 1 of 4 Includes copyrighted material of Insurance Services Office Inc with its permission All rights reserved SAMPLE

3 Debris Removal We will pay your reasonable expense to remove debris of insured property caused by or resulting from a covered cause of loss up to 25 of the Limit of Coverage 4 Transit We will pay up to 100 of the Limit of Coverage for loss by fire or by the collision or overturn of a motor vehicle or trailer upon which insured property is being transported while such property is in transit to or from the storage facility provided such transit is within 100 miles of the storage space described in the Rental Agreement 5 Extra Rental Expense We will pay up to 25 of the Limit of Coverage to cover the reasonable extra expense necessarily incurred by you for the rental of substitute storage when occupancy of the storage space described in the Rental Agreement is prevented as a result of direct physical loss or damage to the storage space as a result of a covered cause of loss 6 Vermin We will pay up to no more than the lesser of twenty five percent 25 of the Limit of Coverage or 1000 under this Certificate to cover loss or damage by Vermin to insured property while in the enclosed storage space For the purposes of this Additional Coverage Vermin means various small animals including but not limited to rodents and or insects that are destructive However we will not pay for any loss or damage caused by the Cimicidae family of insects bed bugs Additionally we will not pay for loss or damage to insured property under this Additional Coverage if any food food product or ingestible is stored in the storage space with the insured property EXCLUSIONS 1 Insured property does not include a Accounts bills currency deeds food stamps other evidences of debt contracts titles money notes securities or lottery tickets b Animals c Jewelry watches semi precious precious stones furs or garments trimmed with fur d Firearms and ammunition e Contraband explosives or property in the course of illegal transportation or trade f Valuable papers and records including those which exist as electronic data g Photographs h Property in the storage facility against which the Owner has begun lien enforcement procedures i Property not placed within the enclosed storage space described in the Rental Agreement except as provided under Paragraph 4 Transit of ADDITIONAL COVERAGES 2 We will not pay for loss or damage caused directly or indirectly by any of the following Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss a Wear and tear gradual deterioration decay inherent vice latent defect or vermin except as provided under Paragraph 6 Vermin of ADDITIONAL COVERAGES b Presence growth proliferation spread or any activity of fungus including mold or mildew and any mycotoxins spores scents or by products produced or released by fungi wet or dry rot or bacteria c Atmospheric conditions and or changes in temperature such as freezing relative humidity or the presence of condensation or humidity moisture or vapor d Loss of use or loss of market e Flood surface water waves tides tidal waves overflow of any body of water or their spray all whether driven by wind or not f Water or other water borne materials under the surface of the ground that back up or overflow from a sewer pipe drain or sump including such water or water borne materials that exert pressure on or seep leak or flow through a building sidewalk driveway foundation walls floors doors windows or other openings or other structure 108105 01 17 g War including undeclared or civil war or warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or naval or other agents war including undeclared or civil war h Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these i Nuclear reaction or radiation or radioactive contamination however caused But if nuclear reaction or radiation or radioactive contamination results in fire we will pay for the loss or damage caused by that fire j We will not pay for loss or damage arising out of any act committed i By or at the direction of any insured and ii With the intent to cause a loss With respect to loss or damage to insured property caused by fire this exclusion does not apply to an insured s who did not set the fire or otherwise participate in the cause of the loss provided the loss is otherwise covered under this Certificate If we pay a claim pursuant to the preceding Paragraph our payment to any insured is limited to that insured s proportionate share of the policy proceeds but not more than that insured s legal interest in the insured property that sustained the fire loss Proportionate share will be determined based on the interests of all parties eligible to receive payment including any other party with a secured legal interest The policy proceeds will not include any amount attributable to the interest of the insured s who set the fire or otherwise participated in the cause of the loss In no event will we pay more in total than the Limit of Coverage on the covered property that sustained the fire loss We may apply reasonable standards of proof to claims for such loss k Seizure or destruction of insured property by order of governmental authority But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread if the fire would be covered under this Certificate l Smoke from cigarettes cigars pipes or other similar smoking products m Your neglect in using all reasonable means to save and preserve the insured property from further damage at and after the time of loss n Contaminants or hazardous materials o Mysterious disappearance of insured property p Mechanical breakdown short circuiting blowout or other electrical disturbance to the insured property Page 2 of 4 Includes copyrighted material of Insurance Services Office Inc with its permission All rights reserved

LOUISIANA CERTIFICATE OF STORAGE INSURANCE New Hampshire Insurance Company being a capital stock company 175 Water Street New York NY 10038 Master Policy 10570468 Certificate _______________________________ This Certificate of Storage Insurance hereinafter Certificate provides evidence of coverage under Master Policy 10570468 hereinafter Policy Various provisions in this Certificate restrict coverage Read the entire Certificate carefully to determine rights duties and what is and is not covered In this Certificate the person who is named as a tenant in the Rental Agreement and has elected insurance coverage under this Policy will be referred to as you and your The words we us and our refer to the Company providing this insurance Other words and phrases that appear in bold type have special meaning Refer to the DEFINITIONS section at the end of this Certificate INSURING AGREEMENT We will provide insurance under this Policy in consideration of your payment of the Premium corresponding to the Limit of Coverage elected by you as shown on the Election Agreement The most we will pay is the Limit of Coverage as indicated on the Election Agreement We will not pay more than the Limit of Coverage per occurrence for all insured property while in storage within the enclosed storage space described in the Rental Agreement For the purpose of identification and reference the certificate number assigned on your Election Agreement is deemed to be the Certificate Number assigned to this Certificate CERTIFICATE PERIOD The insurance coverage will become effective under each Certificate on the Coverage Effective Date indicated on the Election Agreement at 12 01am standard time at the storage facility address shown in the Rental Agreement The insurance attaches from such time until the termination of the Rental Agreement or when cancelled or non renewed as provided herein However coverage will not become effective while the storage facility is under a wildfire tornado tropical storm or hurricane watch or warning until 12 01am the day after the watch or warning is lifted PROPERTY INSURED The personal property insured under this Certificate consists of your personal property while in storage within the enclosed storage space described in the Rental Agreement We will also cover the personal property of others for which you may be liable or have assumed liability prior to a loss while in storage within the enclosed storage space described in the Rental Agreement However we will not cover the property of the Owner whether it is within or outside such enclosed storage space COVERED CAUSES OF LOSS We cover direct physical loss to insured property only while within the enclosed storage space described in the Rental Agreement and caused by the following 1 Fire 9 Falling Objects provided the exterior of the building containing 2 Lightning the insured property is first damaged by such falling objects 3 Windstorm or Hail 10 Weight of Ice Snow or Sleet 4 Explosion or Sonic Boom 11 Water Damage except as excluded under subparagraphs 2 b 5 Riot or Civil Commotion including 2 c 2 d 2 e 2 f and 2 p in EXCLUSIONS a Acts of striking employees and 12 Earth Movement including a Earthquake including any b Looting occurring at the time and place of a riot or civil earth sinking rising or shifting related to such event b Landslide commotion including any earth sinking rising or shifting related to such event 6 Aircraft or Vehicles meaning only physical contact of an aircraft or c Sinkhole Collapse meaning loss or damage caused by the a spacecraft a self propelled missile a vehicle or an object thrown sudden sinking or collapse of land into underground empty spaces by a vehicle with the insured property or with the building or created by the action of water on limestone or dolomite This structure containing the insured property provided that the exterior cause of loss does not include 1 The cost of filling sinkholes or of the building containing the insured property is first damaged 2 Sinking or collapse of land into man made underground This cause of loss includes loss or damage by objects falling from cavities aircraft 13 Collapse of Buildings containing the insured property 7 Smoke causing sudden and accidental loss or damage 8 Vandalism meaning willful and malicious damage to or destruction of the insured property ADDITIONAL COVERAGES We will also provide these additional coverages up to the amounts stated below These additional coverages do not increase the Limit of Coverage 1 Burglary We will pay up to the percentage of the Limit of Coverage you elected in your Election Agreement for loss by Burglary The term Burglary means the act of stealing insured property by forcible entry into the storage space described in the Rental Agreement and must be evidenced by visible signs of forced entry However this coverage only applies when such storage space is securely locked at the time of the forcible entry and does not apply to the lien enforcement procedures by the Owner A missing lock or the presence of a lock different than the lock placed by you on the storage space is not sufficient standing alone to establish forcible entry In the event of a Burglary claim you will bear the burden of proof to establish that a burglary has occurred In the event of a Burglary Claim you or the Owner must immediately report such Burglary to the appropriate law enforcement agency 2 Robbery We will pay up to the percentage of the Limit of Coverage you elected in your Election Agreement for loss by Robbery The term Robbery means the act of stealing insured property by violence or threat of violence against you or the Owner in order to gain unlawful access into the storage space described in the Rental Agreement In the event of a claim of a Robbery you or the Owner must immediately report the Robbery to the appropriate law enforcement agency 108105 01 17 Page 1 of 4 Includes copyrighted material of Insurance Services Office Inc with its permission All rights reserved Sample Certificate

3 Debris Removal We will pay your reasonable expense to remove debris of insured property caused by or resulting from a covered cause of loss up to 25 of the Limit of Coverage 4 Transit We will pay up to 100 of the Limit of Coverage for loss by fire or by the collision or overturn of a motor vehicle or trailer upon which insured property is being transported while such property is in transit to or from the storage facility provided such transit is within 100 miles of the storage space described in the Rental Agreement 5 Extra Rental Expense We will pay up to 25 of the Limit of Coverage to cover the reasonable extra expense necessarily incurred by you for the rental of substitute storage when occupancy of the storage space described in the Rental Agreement is prevented as a result of direct physical loss or damage to the storage space as a result of a covered cause of loss 6 Vermin We will pay up to no more than the lesser of twenty five percent 25 of the Limit of Coverage or 1000 under this Certificate to cover loss or damage by Vermin to insured property while in the enclosed storage space For the purposes of this Additional Coverage Vermin means various small animals including but not limited to rodents and or insects that are destructive However we will not pay for any loss or damage caused by the Cimicidae family of insects bed bugs Additionally we will not pay for loss or damage to insured property under this Additional Coverage if any food food product or ingestible is stored in the storage space with the insured property EXCLUSIONS 1 Insured property does not include a Accounts bills currency deeds food stamps other evidences of debt contracts titles money notes securities or lottery tickets b Animals c Jewelry watches semi precious precious stones furs or garments trimmed with fur d Firearms and ammunition e Contraband explosives or property in the course of illegal transportation or trade f Valuable papers and records including those which exist as electronic data g Photographs h Property in the storage facility against which the Owner has begun lien enforcement procedures i Property not placed within the enclosed storage space described in the Rental Agreement except as provided under Paragraph 4 Transit of ADDITIONAL COVERAGES 2 We will not pay for loss or damage caused directly or indirectly by any of the following Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss a Wear and tear gradual deterioration decay inherent vice latent defect or vermin except as provided under Paragraph 6 Vermin of ADDITIONAL COVERAGES b Presence growth proliferation spread or any activity of fungus including mold or mildew and any mycotoxins spores scents or by products produced or released by fungi wet or dry rot or bacteria c Atmospheric conditions and or changes in temperature such as freezing relative humidity or the presence of condensation or humidity moisture or vapor d Loss of use or loss of market e Flood surface water waves tides tidal waves overflow of any body of water or their spray all whether driven by wind or not f Water or other water borne materials under the surface of the ground that back up or overflow from a sewer pipe drain or sump including such water or water borne materials that exert pressure on or seep leak or flow through a building sidewalk driveway foundation walls floors doors windows or other openings or other structure 108105 01 17 g War including undeclared or civil war or warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or naval or other agents war including undeclared or civil war h Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these i Nuclear reaction or radiation or radioactive contamination however caused But if nuclear reaction or radiation or radioactive contamination results in fire we will pay for the loss or damage caused by that fire j We will not pay for loss or damage arising out of any act committed i By or at the direction of any insured and ii With the intent to cause a loss With respect to loss or damage to insured property caused by fire this exclusion does not apply to an insured s who did not set the fire or otherwise participate in the cause of the loss provided the loss is otherwise covered under this Certificate If we pay a claim pursuant to the preceding Paragraph our payment to any insured is limited to that insured s proportionate share of the policy proceeds but not more than that insured s legal interest in the insured property that sustained the fire loss Proportionate share will be determined based on the interests of all parties eligible to receive payment including any other party with a secured legal interest The policy proceeds will not include any amount attributable to the interest of the insured s who set the fire or otherwise participated in the cause of the loss In no event will we pay more in total than the Limit of Coverage on the covered property that sustained the fire loss We may apply reasonable standards of proof to claims for such loss k Seizure or destruction of insured property by order of governmental authority But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread if the fire would be covered under this Certificate l Smoke from cigarettes cigars pipes or other similar smoking products m Your neglect in using all reasonable means to save and preserve the insured property from further damage at and after the time of loss n Contaminants or hazardous materials o Mysterious disappearance of insured property p Mechanical breakdown short circuiting blowout or other electrical disturbance to the insured property Page 2 of 4 Includes copyrighted material of Insurance Services Office Inc with its permission All rights reserved

VALUATION The value of the insured property will be determined at the time of the loss or damage and will be the least of the following amounts 1 The Actual Cash Value of the lost or damaged insured property 2 The cost of repairs to the damaged insured property 3 The cost of replacing the lost or damaged insured property with other property of like kind and quality PAIR SET OR PARTS 1 In case of loss to any part of a pair or set we may a repair or replace any part to restore the pair or set to its valuation before the loss or b pay the difference between the Actual Cash Value of the pair or set before and after the loss 2 In case of loss to any part of insured property consisting of several parts when complete we will pay only for the valuation of the lost or damaged part OTHER INSURANCE Except for losses caused by a named hurricane named tropical storm tornado wildfire or an earthquake if a loss covered by this Certificate is also covered by other insurance this insurance shall be primary over any other valid and collectible insurance available to you unless elected otherwise by you In the event of a loss as a result of a named hurricane or named tropical storm tornado wildfire or an earthquake this Certificate will pay only the proportion of the loss that the Limit of Coverage bears to the total amount of insurance covering the loss DUTIES IN THE EVENT OF LOSS OR DAMAGE You must do the following in the event of loss or damage to the insured property 1 Notify the police in the case of Burglary or Robbery or if a law has been broken 2 Give us or an authorized claim representative prompt notice of the loss or damage 3 Provide us with photographic evidence of the damaged property and a complete inventory of the damaged or stolen property including quantities values and the amount of loss claimed 4 Give us a description of how when and where the loss or damage occurred including the names addresses and telephone numbers of any witnesses However if loss or damage arises due to a catastrophic event for which a state of disaster or emergency is declared pursuant to law by civil officials and the insured property is located in an area within the declaration you must submit the proof of loss to us within 180 days but this 180 day period does not commence as long as the declaration of disaster or emergency is in existence and civil authorities are denying you access to your property 5 Cooperate with us in the investigation or settlement of the loss 6 In the event of a Transit loss notify the police fire department or other appropriate law enforcement agency whenever another party is involved and as per applicable local or state legal requirements CONCEALMENT MISREPRESENTATION AND FRAUD We will not pay for any loss or damage in any case of fraud intentional concealment or misrepresentation of a material fact by you or any other insured at any time concerning 1 This Certificate 2 The covered property 3 Your interest in the covered property or 4 A claim under this Certificate EXAMINATION UNDER OATH Before recovering for any loss if requested you will 1 Permit us to inspect the damaged property before it is disposed of or repaired 2 Send us a sworn statement of loss containing the information we request to settle a claim within 60 days of our request 3 Agree to examinations under oath at our request 4 Produce others for examination under oath at our request 5 Provide us with all pertinent records needed to prove the loss and 6 Cooperate with us in the investigation or settlement of the loss APPRAISAL If we and you disagree on the value of the property or the amount of loss either may make written demand for an appraisal of the loss In this event each party will select a competent and impartial appraiser The two appraisers will select an umpire If they cannot agree either may request that selection be made by a judge of a court having jurisdiction The appraisers will state separately the value of the property and amount of loss If they fail to agree they will submit their differences to the umpire Each party will 1 Pay its chosen appraiser and 2 Bear the other expenses of the appraisal and umpire equally If there is an appraisal we will still retain our right to deny the claim LOSS PAYMENT OTHER RECOVERIES We will pay for the undisputed portion of the loss or damage within 30 days after we receive the satisfactory sworn proof of loss or an appraisal award has been made or the filing of any arbitration award whichever is earlier However we have no duty to provide coverage under this Certificate if the failure to comply with the terms of this Certificate is prejudicial to us LEGAL ACTION AGAINST US No one may bring a legal action against us unless there has been full compliance with all the terms of this insurance and such action is brought within two years after the date on which the physical loss or damage occurred However with respect to covered property of others in your care custody or control a person or organization may bring a suit against us including but not limited to a suit to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Certificate or that are in excess of the applicable Limit of Coverage An agreed settlement means a settlement and release of liability signed by us you and the claimant or the claimant s legal representative TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US If any person or organization to or for whom we make payment under this Certificate has rights to recover damages from another those rights are transferred to us to the extent of our payment That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them But you may waive your rights against another party in writing 1 Prior to a loss to your Insured Property 2 After a loss to your Insured Property only if at time of loss that party is one of the following a Someone insured by this insurance b A business firm i Owned or controlled by you or ii That owns or controls you c Your employee or employer d The owner or lessor of the i Described premises or ii Premises where loss or damage occurred including their employees partners and stockholders or e Your relative by blood or marriage If you waive your rights against another party in writing after a loss we can recover from you any amount you received for that waiver But we cannot recover more than the amount we paid you for that loss CHANGES This Certificate contains agreements between you and us concerning the insurance afforded under the Policy This Policy s terms can be amended or waived only by endorsement issued by us and made a part of this Policy AUTOMATIC TERMINATION OF CERTIFICATE The insurance evidenced by this Certificate will automatically terminate without notice to you on the date the Rental Agreement between you and the Owner is terminated or on the date the Rental Agreement is assigned to a new Owner or property management company CANCELLATION OF CERTIFICATE 1 You may cancel the Certificate by mailing or delivering to us advance written notice of cancellation 2 If this Certificate has been in effect for fewer than 60 days we may cancel this Certificate for any reason subject to the following a We may cancel this Certificate for nonpayment of Premium by mailing or delivering to you written notice of cancellation at least 10 days before the 108105 01 17 Page 3 of 4 Includes copyrighted material of Insurance Services Office Inc with its permission All rights reserved

effective date of cancellation b We may cancel this Certificate for any other reason by mailing or delivering to you written notice of cancellation at least 60 days before the effective date of cancellation 3 If this Certificate has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel only for one or more of the following reasons a Nonpayment of Premium b Fraud or material misrepresentation made by you or with your knowledge with the intent to deceive in obtaining the Certificate continuing the Certificate or in presenting a claim under the Certificate c Activities or omissions by you which change or increase any hazard insured against d Change in the risk which increases the risk of loss after we issued or renewed this Certificate including an increase in exposure due to regulation legislation or court decision e Determination by the Commissioner of Insurance that the continuation of this Certificate would jeopardize our solvency or would place us in violation of the insurance laws of this or any other state f Your violation or breach of any Certificate terms or conditions or g Any other reasons that are approved by the Commissioner of Insurance 4 We will mail or deliver written notice of cancellation under Paragraph 3 to you at least a 10 days before the effective date of cancellation if we cancel for nonpayment of Premium or b 30 days before the effective date of cancellation if we cancel for a reason described in Paragraphs 3 b through g above 5 If your Premium payment check or other negotiable instrument is returned to us because it is uncollectible for any reason we may cancel the Certificate subject to the following a We may cancel the Certificate effective from the date the Premium payment was due by sending you written notice by certified mail or by delivering such notice to you within 10 days of the date that we receive notice of the returned check or negotiable instrument b The cancellation notice will also advise you that the Certificate will be reinstated effective from the date the Premium payment was due if you present to us a cashier s check or money order for the full amount of the returned check or other negotiable instrument within 10 days of the date that the cancellation notice was mailed 6 If this Certificate is cancelled we will return any Premium refund due to you If you cancel this Certificate premium shall be fully earned for the monthly Certificate Period to which the premium applies The cancellation will be effective even if we have not made or offered a refund If we cancel the refund will be pro rata If you cancel the refund to you will be returned within 30 days after the effective date of cancellation If we cancel based on Paragraph 5 above we will return the Premium due if any within 10 days after the expiration of the 10day period 7 We will mail or deliver our notice to you at the address shown in the Election Agreement Like notice will also be mailed or delivered to any other person shown by the Certificate to have an interest in any loss which may occur 8 Notice of cancellation will state the effective date of cancellation The Certificate period will end on that date 9 If notice is mailed proof of mailing will be sufficient proof of notice CONFORMITY WITH STATE STATUTES If the terms of this Certificate are in conflict with the laws of the state wherein the Certificate is issued they are hereby amended to conform to such statutes DEFINITIONS 1 Owner means the owner landlord or operator of the self storage facility 2 Rental Agreement means the Lease Rental Agreement executed and in effect between you and the Owner 3 Limit of Coverage means the maximum amount payable for physical loss or damage to the insured property per occurrence as designated by you in the Election Agreement 4 Premium means the amount shown in the Election Agreement as designated by you as the monthly amount payable for the insurance 5 Election Agreement means the Insurance Election Agreement completed by you in order to elect coverage under this Master Policy 6 Certificate of Storage Insurance means the certificate that provides evidence of coverage for an Insured under this Master Policy 7 Actual Cash Value means the amount calculated that it would cost to repair or replace insured property at the time of loss or damage with material of like kind and quality subject to a deduction for deterioration depreciation and obsolescence Actual Cash Value applies to valuation of insured property regardless of whether that property has sustained partial or total loss or damage The Actual Cash Value of the lost or damaged property may be significantly less than its replacement cost NONRENEWAL OF THE CERTIFICATE 1 If we decide not to renew this Certificate we will mail or deliver written notice of nonrenewal to you at least 60 days before its expiration date or its anniversary date if it is a Certificate written for a term of more than one year or with no fixed expiration date 2 We need not mail or deliver this notice if a We or another company within our insurance group have offered to issue a renewal Certificate or b You have obtained replacement coverage or have agreed in writing to obtain replacement coverage 3 Any notice of nonrenewal will be mailed or delivered to you at the last mailing address known to us If notice is mailed proof of mailing will be sufficient proof of notice Like notice will also be mailed or delivered to any other person shown by the Certificate to have an interest in any loss which may occur 4 Such notice to the insured shall include the insured s loss run information for the period the Certificate has been in force within but not to exceed the last three years of coverage Producer Authorized Representative 108105 01 17 Page 4 of 4 Includes copyrighted material of Insurance Services Office Inc with its permission All rights reserved