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98 -BJ -G478-3 017985 (3) 45 days before the effective date of cancellation if we cancel for any other reason. c. Notice of cancellation will state the ac- tual reason for and effective date of cancellation The policy period will end on that date d. We will mail or deliver our notice to the first Named Insured's and the first Named Insured's agent at their last mailing address known to us If notice is mailed, proof of mailing will be suffi- cient proof of notice. e. We will also mail or deliver to any mortgageh older, pledgee. or olher per- son shown in this policy to have an in- terest in any loss which may occur under this policy, at their last mailing address known to us, written notice of cancellation prior to the effective date of cancellation. If cancellation is for reasons other than those contained in Paragraph b.(1) above, this notice will be the same as that mailed or delivered to the first Named Insured If cancella- tion is for a reason contained in Para- graph b.(1) above, we will mail or deliver this notice at least 20 days prior to the effective date of cancellation. f. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata If the first Named Insured cancels, the refund may be no less than 90% of the pro rata refund. The cancellation will be effective even if we have not made or offered a refund g. If this policy insured more than one Named Insured, then the first Named Insured may affect cancellation for the account of all insureds. When We Do Not Renew a. If we decide not to renew this policy, we will mail or deliver to the first Named CMP -4247.1 CMP -4247,1 Page 5 of 5 Insured shown in the Declarations and the first Named Insured's agent written notice of the nonrenewal at least 45 days before the: (1) Expiration of the policy; or (2) Anniversary date of this policy if this policy has been written for a term of more than one year. We will mail or deliver our notice to the first Named Insured's and the first Named Insured's agent at their last mail- ing address known to us. We will also mail to any mortgageholder, pledgee or other person shown in this policy to have an interest in any loss which may occur under this policy, at their last mail- ing address known to us, written notice of nonrenewal. The notice will state the reason for nonrenewal. If notice is mailed, proof of mailing will be sufficient proof of notice. b. Otherwise, we will renew this policy unless: (1) The first Named Insured fails to pay the renewal premium after we have expressed our willingness to renew, including a statement of the renewal premium, to the first Named Insured and the first Named Insured's insurance agent or broker, at least 20 days before the expiration date; (2) Other coverage acceptable to the insured has been procured prior to the expiration date of the policy; or (3) The policy clearly states that it is not renewable', and is for a specific line, subclassification, or type of coverage that is not or on a renewable basis. All other policy provisions apply. ©, Copyright, State Farm Mutual Automobile Insurance Company, 2016 Includes copyrighted material of Insurance Services Office, Inc., with its permission. (CONTINUED)