| 1. | The Company shall, before issuing an insurance policy, give the policyholder access to the terms, conditions and exclusions of the policy.
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| 2. | Upon acceptance of the insurance application, the Company shall issue the client a binder/cover note as a temporary insurance document until the policy is issued. The Binder shall reflect all insurance coverages provided by the policy for a period not exceeding thirty (30) days from the commencement of coverage.
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| 3. | An insurance policy shall be amended by virtue of a written request submitted by the policyholder followed by an addendum issued by the Company.
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