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ITEM 7. IMPORTANT COVERAGE NOTES&ADDITIONAL TERMS,CONDITIONS&EXCLUSIONS: <br /> The"Certificate Holder" must notify us if there is a change in operations or exposures,which increases the insurance <br /> company's risk of loss. <br /> In consideration of the premiums paid by the"Certificate Holder',this policy provides coverage as set forth in the <br /> Certificate of Coverage. Coverage only applies to"Certificate Holders"for whom coverage has been placed in this <br /> program and by whom the premiums have been paid. Coverage does not apply to the"Policyholder". <br /> F.36270 (Ed. 5/18) Page 3 of 3 <br />