1. Personal Lines Policies Personal Auto Policy - ISO 1994 Personal Vehicle Manual - ISO 1994 Homeowners 3 Special Form - ISO 1990

2. Personal Auto Policy Agreement Definitions Part A - Liability Coverage Part B - Medical Payments Coverage Part C - Uninsured Motorists Coverage Part D - Coverage for Damage to Your Auto Part E - Duties After an Accident of Loss Part F - General Provisions

3. Personal Auto Policy Within each Part (A-D) Insuring Agreement Supplementary Payments (A only) Transportation Expenses (D only) Exclusions Limits of Liability Out of State Coverage (A only) Financial Responsibility (A only) Payment of Loss (D only) No Benefit to Bailee (D only) Other Insurance or Other Sources of Recovery Arbitration (C only) Appraisal (D only)

4. Personal Auto Policy - Examples Definitions (page 1) “Trailer” means a vehicle designed to be pulled by a: 1) private passenger auto or 2) pickup or van. It also means a farm wagon or farm implement while towed by a vehicle listed in 1 or 2 above. Exclusions (pages 2-3 and page 7-8) We do not provide Liability Coverage for any “insured”: 8. using a vehicle without a reasonable belief that that “insured” is entitled to do so. We will not pay for: 3. loss due to or as a consequence of f. rebellion or revolution Other Insurance (page 4) If there is other applicable liability insurance we will pay only our share of the loss. Our share is the proportion that our limit of liability bears to the total of all applicable limits. However, any insurance we provide for a vehicle you do not own shall be excess over any other collectible insurance.

5. Personal Vehicle Manual Definitions Personal Auto Policy - Eligibility Premium Determination Classifications Safe Driver Insurance Plan (SDIP) Model Year/Age Groups for Comprehensive and Collision Coverages Minimum Premium Rule Policy Period Changes Cancellation

6. Personal Vehicle Manual - Examples Classifications (page G-2) Primary Classification Classify the auto according to the age, sex and marital status of the operators, the use of the auto and the eligibility of youthful operators for the Driver Training and/or Good Student classes Secondary Classification Performance and single or multi-car risk Safe Driver Insurance Plan (page G-7) Driving Record Points Convictions 3 points for driving while intoxicated 1 point for moving violation resulting in license suspension Accidents 1 point for bodily injury or death or property damage over $500 1 point multiple accidents with property damage less than $500

7. Homeowners 3 Special Form Agreement Definitions Section I - Property Coverages Coverage A - Dwelling Coverage B - Other Structures Coverage C - Personal Property Coverage D - Loss of Use Additional Coverages Section I - Perils Insured Against Section I - Exclusions Section I - Conditions

8. Homeowners 3 Special Form Section II - Liability Coverages Section II - Exclusions Section II - Additional Coverages Section II - Conditions Section I and II - Conditions

9. Homeowners 3 Special Form - Examples Property Coverages (page 2) We do not cover other structures: 1. used in whole or part for business Conditions (page 9) In case of a loss to covered property, you must see that the following are done: a. give prompt notice to us or our agent Exclusions (page 12-13) Personal liability and medical payments do not apply to bodily injury or property damage: d. arising out of the rendering or failure to render professional services. Assignment (page 17) Assignment of this policy will not be valid unless we give our written consent