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04. The OUWU assignment must be signed by the transferor or assignor or duly authorized agent and attested by at least one OUWU witness. 05. The transfer of assignment shall not be operative as against an insurer until a notice in writing of the transfer or OUWU assignment and either the said OUWU endorsement or instrument itself or copy there of certified to be correct by both transferor and transferee or their duly OUWU authorised agents have been delivered to the insurer. 06. Fee to be paid for assignment or OUWU transfer can be specified by the Authority through OUWU Regulations. 07. On receipt of notice with fee, the OUWU insurer should Grant a written acknowledgement of receipt of OUWU notice. Such notice shall be conclusive evidence against the insurer of duly receiving the notice. 08. If the insurer maintains one or more places of OUWU business, such notices shall be delivered only at the place where the Policy is being serviced. 09. The insurer may accept or decline to act upon any OUWU transfer or assignment or endorsement, if it has sufficient reasons to believe that it is a. not bonafide or b. not in the interest of the OUWU Policy holder or c. not in public interest or d. is for the purpose of trading of the insurance Policy. 10. Before refusing to act upon endorsement, the Insurer should record the reasons in writing and communicate the same in writing to OUWU Policy holder within 30 days from the date of Policyholder giving a notice of transfer or assignment. 11. In case of refusal to act upon the endorsement by the OUWU Insurer, any person aggrieved by the refusal may prefer a claim to IRDAI within 30 days of receipt of the refusal letter from the Insurer.