RWC Insurance Group represents about 10 different insurance companies for personal insurance. (Not all companies are listed here)

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1 RWC Insurance Group represents about 10 different insurance companies for personal insurance. (Not all companies are listed here) Discounts are categorized by company and can be easily found using the following table of contents. Company: Auto-Owner s: Auto Insurance Discounts- Pages: 2-5 Home Insurance Discounts- Pages 5-7 Kemper: Auto Insurance Discounts- Pages 8-10 Home Insurance Discounts- Page 11 Allied: Auto Insurance Discounts- Pages Home Insurance Discounts- Page 13 AAA: Home/Auto Discounts- Pages MetLife: Auto Discounts- Pages Home Discounts- Pages 19-20

2 Auto Owner s Auto Discounts -AIR BAG DISCOUNT The following premium reduction credits will apply to Medical Payments coverage for all vehicles equipped with air bags: a. 20% credit - Driver side air bag only is installed. b. 30% credit - Driver and front passenger-side air bags are installed. c. 35% credit - Driver side, front passenger-side and side-impact air bags are installed. -Anti-Lock brake Discount Vehicles rated as private passenger and equipped with anti-lock brakes on all four wheels shall be allowed a 5% reduction of the premiums for the following coverages: Bodily Injury Liability, Property Damage Liability and Collision coverages. -ANTI-THEFT DEVICE DISCOUNT In compliance with Section of the Illinois Administrative Code, credit will be given for Comprehensive for anti-theft mechanisms contained in private passenger motor vehicles and pickup trucks rated as private passenger automobiles based on the following schedule: 1. Category 1 (5% Discount) must include one of the following: a. An ignition or starter cut off switch inserted into the ignition wiring of a vehicle with flush or tapered door lock buttons; b. An active internally or externally operated alarm activated by a door, trunk, or hood opening; c. An armored steering column collar which covers the ignition lock; or d. VIN etched in glass. 2. Category 2 (10% Discount) must include one of the following: a. An internally or externally operated alarm which disengages the ignition or starter and is activated by a door, trunk or hood opening; b. An active fuel cut off device; c. An active steering wheel lock which is permanently attached to the steering post and operated by a tubular key; or d. An armored cable hood lock and ignition cut off switch. 3. Category 3 (15% Discount) must include one of the following: a. An armored ignition cut off switch designed to be tamper proof, and prevent hot-wiring and having an electronic keyless or interior tubular key lock; b. An armored cable or electronic hood lock and ignition cut off switch inaccessible from beneath the vehicle; c. A passive device which disables the fuel, ignition and/or starter systems; d. A high security ignition replacement lock which conforms to Federal standards; e. A passive alarm system with automatic disabling of the ignition or starter. The alarm shall be installed under a hood opened only from an interior locking or electronic keyless system; or

3 f. An operable Global Positioning System with tracking capability that is permanently installed (Examples: On Star, Lo-Jack, Tele-Trac). -AUTO/HOME MULTI-POLICY DISCOUNT When a policy written in our Personal Automobile program and a policy in our Homeowners, Mobile Homeowners, Estate Owners, Farm Pak or Select-O-Pak programs (Farm Pak and Select-O-Pak policies must insure owner-occupied dwellings) are each written in any Auto-Owners Insurance Group Company, the private passenger automobile policy is eligible for a Multi-Policy Discount as follows. 14% Auto-Owners Insurance Company 17% Owners Insurance Company -AUTO/DWELLING FIRE MULTI-POLICY DISCOUNT When a policy written in our Personal Automobile program and a policy written in our Dwelling Fire program (must be Owner-Occupied) are each written in any Auto-Owners Insurance Group Company, the Automobile policy is eligible for an 8% Multi-Policy Discount. -AUTO/LIFE MULTI-POLICY DISCOUNT A policy written in our Personal Automobile program will be eligible for a Life/Automobile Discount when the named insured of the automobile policy also owns (or is the named insured on) an Auto- Owners: a. Long Term Care policy, or b. Life policy, excluding Group Life, or c. Annuity policy with a cash value of $2,000 or greater; or d. Disability Income policy with a monthly benefits of $1,000 or greater. The Automobile policy will receive a 5% Multi-Policy discount. -AUTO/UMBRELLA MULTI-POLICY DISCOUNT When a Private Passenger Automobile policy and a policy in our Executive/Personal Umbrella program are written in any Auto-Owners Insurance Group Company, the automobile policy is eligible for a 5% Multi-Policy Discount. -COMPANY CAR DISCOUNT When a single-family household insures one private passenger vehicle on an eligible Automobile policy, and the policyholder is furnished a company car, the following discount will apply: 10% on all coverages except Comprehensive coverage. -DEFENSIVE DRIVING COURSE CREDIT In compliance with 215 ILCS 5/143.29, a 10% discount will apply to the coverages of Bodily Injury, Property Damage, Disability Income, Uninsured/Underinsured Motorist if the vehicle is principally operated by a person 55 years of age or older who has received certification from the National Safety Council's Defensive Driving Course, or any course recognized by the Secretary of State for completion of a defensive driving course. -GOOD STUDENT DISCOUNT

4 Unmarried operators age are eligible for a Good Student Discount when use of an automobile is considered in determining the applicable premium rating and the following criteria are met: A. Academic Record 1. At the time the student operator applies for the discount, he or she must be enrolled full time: a. As a high school student; b. In academic courses in college or university; or c. In a vocational technical school. 2. The cumulative scholastic record must indicate the operator has met one of the following requirements: a. Ranks among the upper 20% of the class scholastically; b. In a school using letter grades, has a cumulative grade average of "B". (If the system of letter grading cannot be averaged, no grade shall be below a "B"); c. In a school using number grades, has a cumulative grade average of 3 points for all subjects combined on a 4 point scale (or its equivalent). B. Driving Record and Discount Level 1. For the purposes of eligibility for the Good Student Discount, at-fault accidents will be considered for 36 months (as specified in the IL PA Accident/Conviction Surcharge Rule. Violations resulting in conviction surcharge points will be considered for 36 or 60 months (as specified in the IL PA Accident/Conviction Surcharge Rule. The accident and conviction record will be evaluated at the time of the application for the discount and at each renewal thereafter. 2. Discount I: If the student operator has had no at-fault accidents and no violations, then eligible male operators will receive a 20% discount, while all eligible female operators will receive a 10% discount. 3. Discount II: If the student operator has had one at-fault accident or one violation resulting in three or fewer conviction surcharge points, then eligible male operators will receive a 10% discount, while all eligible female operators will receive a 5% discount. -HOMEOWNER DISCOUNT When a Private Passenger Automobile policy is written and the policyholder owns a home, mobile home or condominium, which is not insured with any Auto-Owners Insurance Group company, the automobile policy is eligible for a 5% discount. -MULTI-CAR DISCOUNT When two or more private passenger vehicles, written in our Personal Automobile program, for a single family household, rated as private passenger automobiles, are insured on the same policy, or separate policies with any Auto-Owners Insurance Group Company, the following Multi-Car Discount will apply: All Vehicles Rated For Coverages Discounts Auto-Owners Owners Operators under the age of 25 BI, PD, MP, DI, UM/UIM, UMPD 17% 17% COLL, RTS, AE 23% 23%

5 COMP 17% 17% All remaining private passenger BI, PD, UM/UIM, UMPD 25% 25% vehicles MP, DI 27% 27% RTS, AE 25% 25% COMP 19% 19% -No Youthful Operator Discount COLL 23% 23% Policies insuring adult operators ages with no youthful operators in the household are rated using our No Youthful Operator relativities (refer to IL PA Age, Type & Use Relativities). For the purpose of this rule, youthful operators residing away from the home to attend school, or residing at home and insured with another carrier, are considered household members. A YOUTHFUL OPERATOR is any operator under the age of 25 -PAID IN FULL DISCOUNT A 10% discount will apply to all coverages if the total premium for the full six or twelve month policy is paid in full. -STUDENT AWAY AT SCHOOL DISCOUNT If an automobile is rated for an occasional youthful operator residing away from the household to attend school, and the school is more than 100 miles from the automobile's principal place for garaging, a 25% discount shall apply to the coverages of Bodily Injury Liability, Property Damage Liability, Medical Payments, Comprehensive and Collision -TEEN DRIVER MONITORING DISCOUNT Unmarried operators age are eligible for a Teen Driver Monitoring Discount of 5% when a Global Positioning System (GPS) unit is attached to the vehicle the teen principally operates. This discount will be applied upon receipt of the proof of purchase or other documentation. -AGE OF CONSTRUCTION DISCOUNT Auto Owner s Home Discounts Dwellings constructed within the past 20 years and occupied by the insured are eligible for a premium discount. Age of Construction Discount/Surcharge New -24% 1 year old

6 ALARM SYSTEM DISCOUNTS- Central Station Alarm- 10% discount is available for an approved and properly maintained fire or burglary alarm system reporting to a central station. Local Station Alarm- 5% discount is available for an approved and properly maintained alarm system that sounds at the premises only and is not tied in or monitored by a central station service -DWELLING UNDER CONSTRUCTION DISCOUNT- Policies qualifying for the Dwelling Under Construction Endorsement as described in the Additional Coverages That Apply - Property section of the manual will receive a 10% discount. -FIRE RESISTIVE DISCOUNT Apartments and condominium units located in buildings where the exterior walls and the floors and roof are constructed of masonry or fire resistive materials having a fire resistance rating of not less than 2 hours are eligible for this discount. Refer to IL HO Construction Definitions. Regardless of the actual number of families, rate as 3-4 family masonry construction and apply a 10% discount. -MATURE HOMEOWNER DISCOUNT- All forms are eligible for a Mature Homeowner Discount. The appropriate discount will be applied for the entire policy term when the oldest named insured reaches one of the age groups described below. Apply a 29% (Owners) or 26% (Auto-Owners) discount when the oldest named insured will be age 65 or older during the policy term. Apply a 20% (Owners) or 19% (Auto-Owners) discount when the oldest named insured will be between the ages of 55 to 64 during the policy term. Apply a 8% discount when the oldest named insured will be between the ages of 50 to 54 during the policy term. The discount will apply to primary, secondary or seasonal residences and will also apply to all boats and other scheduled items attached to the Homeowners policy.

7 -ROOF DISCOUNT/SURCHARGE- Dwellings are eligible for a roof discount or surcharge, dependant upon the age and type of roofing material, as follows: Age of Roof Tile Concrete Hail Resistive Wood Other New -16% -16% -16% +20% -6% 1-15% -15% -15% +20% -5% 2-15% -15% -15% +20% -5% 3-14% -14% -14% +20% -4% 4-14% -14% -14% +20% -4% 5-13% -13% -13% +20% -3% 6-13% -13% -13% +20% -3% 7-12% -12% -12% +20% -2% 8-12% -12% -12% +20% -2% 9-11% -11% -11% +20% -1% 10-10% -10% -10% +20% 0% 11-10% -10% -9% +20% 0% 12-10% -10% -8% +20% 0% 13-10% -10% -7% +20% 0% 14-10% -10% -6% +20% 0% % -10% -5% +20% 0% -PROTECTIVE DEVICE DISCOUNTS-

8 Dwellings, condominiums and apartments equipped with smoke detectors, deadbolt locks on exterior doors (other than sliding glass doors) and fire extinguishers in all cooking areas are eligible for a 3% premium discount. Existing policies written before November 20, 2008 only need one of the three protective devices to be eligible for the 3% discount. -SEASONAL HOME DISCOUNT- Owner occupied residences occupied less than 180 days during the calendar year are eligible for a 10% discount. -SECONDARY HOME DISCOUNT Owner-occupied residences occupied more than 180 days, but less than 365 days, during the calendar year are eligible for the 5% "Secondary Home" discount. KEMPER AUTO DISCOUNTS DISCOUNTS % REQUIREMENTS Anti-Lock Brakes 5% Factory installed, four-wheel Anti-Lock Braking System Anti Theft Devices 5% 10% To qualify, the vehicle must be equipped with: A hood lock which can be released only from inside the vehicle, and A device meeting the criteria of categories listed below If a vehicle is equipped with more than on qualifying device, only the single highest discount shall apply. Category I: Alarm only devices which sound an audible alarm that can be heard at a distance of at least 300 feet for a minimum of three minutes, or Active disabling devices which disable the vehicle by making the fuel, ignition, or starting system inoperative A disabling device is categorized as active if a separate manual step is required to engage the device. Applies to Comprehensive coverage only. Category II (UPIC Only): A passive alarm system that includes a shaker device that cannot be independently deactivated for the rest of the system; or a redundant starting means; or an internally operated special anti-theft lock for the hood locking and latching system. An active, internally operated alarm that includes a forced action prompter. A high security ignition replacement lock. (A sticker may identify the presence of this system.) A disabling device is categorized as active if a separate manual step is required to engage the device. Applies to Comprehensive coverage only.

9 Away At School 15% 20% Category III: Devices which disable the vehicle by making the fuel, ignition, or starting system inoperative A disabling device is categorized as passive if a separate manual step is not required to engage the device. Applies to Comprehensive coverage only. Youthful operators will be given a discount if they are a student residing at an educational institution over 100 miles from the auto's principal garaging location. Credit for Existing Coverage - PACKAGE PLUS Auto Driver Training Good Student Senior Operator Defensive Driving Course Discount Pro- Rata Varies Varies 5% To determine the credit for existing coverage: Develop the applicable full term auto premium based on the effective date of the PACKAGE PLUS policy. Calculate a pro rata factor based on the expiration date of the insured's existing auto policy. Multiply the premium in Step 1 by the factor developed in Step 2 Attach:Auto 749: Existing Insurance Endorsement Applies to each operator under age 21 with satisfactory evidence of the completion of a driver training course. The course must be approved by the State Department of Education, a commercial driving school, or other responsible state educational agencies and include at least 30 hours of classroom time and 6 hours of actual driving experience. The owner operator must be between ages and a full time student. A certified statement is required from a school official indicating during the immediately preceding school semester, the student has maintained a B average or an average equivalent to a 3.0 on a 4 point grading system, is in the upper 20% in his or her class scholastically, or is listed on the Dean's List or Honor Roll or equivalent. This discount can only be applied at policy inception or renewal. A Senior Operator Defensive Driving Course Discount shall be applied to the premium for Combined Single Limit, Bodily Injury and Property Damage Liability and Medical Payments provided: the auto is classified and rated as a private passenger auto; and the principal operator of the auto; a. is age 55 or older, b. has a completion certificate, dated within the most recent 36 months, certifying that he or she has successfully completed an approved Defensive Driving Course, c. was not required to take such course because of conviction of motor vehicle laws of this State, unless the operator has maintained a driving record free of accidents and moving violations for a continuous one year period following completion of the course, d. has, during the most recent 12 months, not: been convicted of any moving traffic violation been involved in an accident resulting in a surcharge point under the Safe Driver Insurance Plan Rule had his or her driver's license revoked during the most recent 36 months

10 This Discount shall apply: To new and renewal policies with inception dates within the 36 month period following the course completion date. Only to the auto principally operated by the insured with the course completion certificate. Only once to each such auto regardless of the number of operators with course completion certificates. This Discount does not apply to vehicles classified and rated as Miscellaneous Types unless otherwise specified. An approved Defensive Driving Course shall be either: The National Safety Council's Defensive Driving Course, or A motor vehicle accident prevention course that is approved, by the Secretary of the State of Illinois as meeting or exceeding the standards of the National Safety Council's Defensive Driving Course More than one vehicle on the policy. Also applies to single vehicle policies if a Multi-Car Discount company car is furnished for the insured's use. A copy of the registration for the company car must be kept on file in the agent's office. Member to group relationship: Employees of a corporation, partnership, credit union, association, or Network / Group governmental department, unit or agency; or Who hold mortgages, loan, credit cards, and/or checking or savings 5% accounts at a financial institution; or Group of individuals in any other organization formed in good faith for purposes other than that of obtaining insurance PACKAGE PLUS Varies When a combined Auto and Homeowners policy is written. Passive Restraint/Airbags 20% Driver side airbag or seat belt 30% Driver and Passenger side airbags OR seat belts 40% Driver and Passenger side airbags AND seat belts

11 Kemper Home Discounts- DISCOUNT AND REQUIREMENT % ENDORSEMENT # DISCOUNT Age of Dwelling A discount may apply based on the newness of the home. Up to 30% Home Inspection/ Home Purchase Discount Loss Free A discount may apply for recently purchased homes Proof of recent inspection (as part of home purchase) required for eligibility Discounts based on year of construction. Loss Free three years immediately preceding the new business effective date Up to 12% Mature Homeowner Insured 60+ and home during the day 10% Network Group Member to group relationship: 5% Employees of a corporation, partnership, credit union, association, or governmental department, unit or agency; or Who hold mortgages, loan, credit cards, and/or checking or savings accounts at a financial institution; or Group of individuals in any other organization formed in good faith for purposes other than that of obtaining insurance PACKAGE PLUS When Homeowners is combined with Automobile Up to 18% Blanket Property Limit with enhanced coverage (see Features Comparison) Protective Devices HO 0416 Approved and properly maintained installations of burglar alarms, fire alarms, automatic sprinklers and smoke detectors in the dwelling The Smoke detector credit is not applicable if the Residence Safety Package Credit is applied. Type of Installation Central Station Reporting Burglar Alarm Central Station Reporting Fire Alarm Police Station Reporting Burglar Alarm Fire Department Reporting Fire Alarm Local Burglar and/or Fire Alarm and/or Smoke Detectors Automatic Sprinklers in all areas including attics, bathrooms, closets, and attached structures Automatic Sprinklers in all areas except attic, bathroom, closets, and attached structure areas that are protected by a fire detector 5% Percent 10% 10% 5% 5% 2% Residence Safety Smoke Detectors, Fire Extinguishers and Deadbolt Locks 3% VK 1012 on all exterior doors Seasonal or Secondary Monoline home policy written in conjunction with a 10% Dwelling PACKAGE PLUS or PACKAGE PLUS CLASSIC policy. Company must write primary. Superior Construction Non-combustible or Fire-resistive constructions 15% Customer Loyalty For policies that have been in-force with either Kemper Independence Insurance Company, Unitrin Auto and Home or Unitrin Preferred Insurance Company for five or more policy terms 5% 13% 8%

12 Allied Auto Discounts Accident Free Discount: The applicable driver rate factor will be reduced for drivers that meet ALL of the following requirements: 1. Driver has five years or more verifiable driving experience, AND 2. Policy is NOT receiving the No Prior Insurance Surcharge, AND 3. Driver is NOT receiving the Unverifiable Driver Surcharge AND 4. Driver is free from major violations* for the most recent five years, AND 5. Driver is free of chargeable accidents* for the most recent five years. Accident Prevention Discount: 1. A discount applies to the premiums for Combined Single Limit Liability (or Bodily Injury and Property Damage Liability), Medical Payments, and Collision coverages, provided: a. The vehicle is classified and rated as a private passenger auto; and b. The principal operator of the vehicle: (1) Is age 55 years or older; AND (2) Has a completion certificate, dated within the most recent 36 months, certifying successful completion of a state-approved motor vehicle accident prevention course; AND (3) Did not take the course as a result of an order or sentence imposed by a court; AND (4) During the most recent 36 months has not been involved in an at-fault auto accident or convicted of, or pleaded guilty or nolo contendere to, a moving traffic violation for which points may be assessed against the insured s drivers license. Accident/Violation Forgiveness o Available as purchasable On Your Side Rewards effective 10/01/09 New Business and 11/22/09 Renewals Advance Quote Discount: This discount applies to new business policies effective on or after June 1, 2006, when a quote is initiated by a customer at least eight days prior to the policy effective date and where credit is ordered. The discount will last for three years. Existing Nationwide and Allied insureds are not eligible for the discount. Air Bag Discount: A discount in the otherwise applicable premium is given for any vehicles equipped with full front seat air bags that meet federal or appropriate equivalent standards. A lower discount applies to a driver side only Anti Theft Discount: To qualify for a discount on COMP, the vehicle must be equipped with antitheft devices as specified in Illinois Insurance Department Anti-Theft Regulations Part 932. Associate Discount: If the insured is an Allied employee.

13 Company Car Discount: If the insured drives a company car will receive a discount. Good Student Discount: 16 years old and has 3.0 or better GPA Long Term Discount: Length of time with Allied Multi Car Discount: More than 1 vehicle on policy. Multi Line Discount: Multi policy discount for renters/condo and auto policy. Multi Policy Discount: Home and auto discount. New Vehicle Discount: Based off year of vehicle. Slowly falls off policy. Own Home Ownership Discount: If insured owns their home that is not insured with Allied Premier Intra Agency Transfer Discount: Based off the number of years with prior carrier and the name of the prior carrier. Resident Student Discount: If student is more than 100+ miles away from home with no vehicle. Allied Home Discounts Age of Construction Discount: Newer homes receive higher discount % Age of Insured Discount : Mature insured receives higher discount % Associate Discount: Available for Allied employees. Claims Free Discount Financial Stability Discount: Based off your insurance score Gated Community Discount: If your home is in a gated community. Home Purchase Discount: Discount offered to when your home was purchased. Home Renovation: If the home has had any of the following systems completely renovated. o Wiring, Heating, Cooling, and Plumbing Will need to submit proof. Multi Policy Discount: Home and auto support. Premises Alarm Discount: Will receive a discount for central and local fire and burglar alarms.

14 AAA Discounts Additional Discount given for listed group membership The listed groups are eligible for discount % shown (subject to current group eligibility) GROUP LISTING - MAY 2010 AUTO HOME GROUP NAME ST GRP# % DISC % DISC AAA EMPLOYEES-IL IL WIE AAA VISA CREDIT CARD-IL IL PLT AAEC CU IL CRU ACE HARDWARE CORP IL EMP ACG INDEPEND AGENCY-IL IL IAE ADVANTAGE NATIONAL BANK IL BNK ADVOCATE GD SHEP HOSP-ALL IL MED ADVOCATE GD SHEP HOSP-DOC IL DOC ADVOCATE GD SHEP HOSP-NUR IL NUR ADVOCATE IL MASON MED-IL IL MED ADVOCATE LUTHERN HOSP-IL IL MED AIR WI AIRLINES CORP-WI IL EMP ALCOA CU IL IL10. ALLENDALE ASSOC IL MED001U 10 2 AM NATL BANK OF DEKALB IL DEK AM TRUST & SAVINGS BANK IL BNK APPLIED SYSTEMS INC-IL IL EMP001E 5 2 BATAVA CHAMBER IL COC BELVIDERE AREA CHAMBER IL COC BENSENVILLE COMM CU IL CRU BENTON STATE BANK - IL IL BNK BESTSOURCE CU - IL IL CRU BLESSING HOSP-DOCTORS IL DOC BLESSING HOSP-NURSES IL NUR BLESSING HOSP-STAFF IL MSS CANALS & TRAILS CU IL CRU CARLE EMPL FCU IL CRU CASEBINE CU - IL IL CRU CATH CHARITIES OF ARCH-IL IL ECN CENTRUE BANK IL BNK CHAMPAIGN COUNTY ECU IL EDU CHEMICAL CU - IL IL CRU CHICAGO BAR ASSOC - IL IL ATT CHICAGO FIREMANS ASC CU IL CRU CHICAGO TEACHERS UNION IL TEA002E 20 2 CHICAGO VET MEDICAL ASC IL DOC CHICAGOLAND CHAMBER IL COC CITIZENS BK OF CHATSWORTH IL BNK CITY OF AURORA IL EMP CITY OF DEKALB IL DEK CITY OF ELGIN IL EMP COLDWELL BNK RLST - IL IL IL39. COLES-MOULTRIE ELECTRIC IL EMP COLLEGE OF DUPAGE-IL IL UNV

15 COMM BANKS ASSOC OF IL IL BNK COMMUNITY HEALTHCARE CU IL CRU CRYSTAL LAKE CHAMBER IL COC DEKALB CHAMBER IL COC DELNOR COMM HOSPITAL IL MED DIVERSEY - IL IL MAN DOMINICAN UNIV-STAFF IL UNV DOMINICAN UNIV-TEACHERS IL TEA EASTERN ILLINI ELEC COOP IL ECN EDWARD HINES JR VA HOSP IL IL83. ELGIN AREA CHAMBER IL COC FIRST NATIONAL BANK=IL IL BNK FOUNDERS BANK IL BNK FRATERNAL ORDER OF POLICE IL CVC FROST RUTTENBURG ROTHBLAT IL CHI GENERAL DRIVERS CU IL IL100. GENEVA CHAMBER IL COC GLENVIEW CU IL CRU GLMV CHAMBER IL COC GR AURORA CHAMBER IL COC HEARTLAND COLLEGE STAFF IL EDU HEARTLAND COLLEGE TEACHER IL TEA HOLLISTER INC IL MED HORIZON CU - IL IL CRU HUMAN KINETICS IL EMP IL ACADEMY OF FAM PHYS IL DOC IL ASC OF CNTY BD MEM & C IL WCA IL ASOC OF CHRISTIAN SCH IL TEA IL ASSC OF CRIM DEF LAWY IL ATT IL ASSOC OF NURSE LEADERS IL NUR IL ASSOC OF OPHTHALMOLOGY IL DOC IL ASSOC OF REALTORS IL REL IL ASSOC OF SCHOOL ADMIN IL EDU IL ASSOC OF SCHOOL NURSES IL NUR IL COAL OF NON PUB SCHOOL IL EDU IL CPA SOCIETY IL ACC IL DENTAL HYGIENISTS ASC IL MSS IL EDUCATION ASSOC IL EDU IL EYE CENTER IL MSS IL FEDERATION OF TEACHERS IL TEA IL HOSPITAL ASSOC IL MSS IL LIBRARY ASSOC IL LIB IL NATIVE AMER BAR ASSOC IL ATT IL NURSES ASSOC IL NUR IL OPTOMETRIC ASSOC IL MED IL PHARMACISTS ASSOC IL MED IL PRINCIPALS ASSOC IL EDU IL PSYCHIATRIC NURSES ASS IL NUR IL RESTAURANT ASSOC IL IL128. IL RETIRED TEACHERS ASSOC IL TEA001. IL RETIRED TEACHERS ASSOC IL TEA001E 15 2 IL SOCIETY OF PROF ENGINE IL ENG IL STATE BAR ASSOC IL ATT IL STATE DENTAL SOCIETY IL DEN IL STATE MEDICAL SOCIETY IL DOC

16 IL TRIAL LAWYERS ASSOC IL ATT ILLIANA FINANCIAL - IL IL CRU INBANK IL BNK INDEPEN ACCT ASSC OF IL IL ACC INTERMATIC INC-IL IL EMP INTERNATL PERSONNEL MGMT IL EMP JOURNAL COMMUNICATION-IL IL EMP KANKAKEE FED OF TEACH CU IL CRU KOENIG & STREY GMAC RLST IL REL LAKE COUNTY CHAMBER IL COC LAKE FOREST HOSPITAL-IL IL MED LAKE ZURICH AREA CHAMBER IL COC LANDMARK CU IL CRU LASALLE BANK/ABN AMRO IL IL147. LEVI RAY & SHOUP INC IL EMP LIC PRACT NURSE ASC OF IL IL NUR LIFETIME FITNESS IL LOYOLA UNIV MED CNTR-IL IL MED MAINSTREET ORG OF REALTOR IL REL MARTIN ENGINEERING IL ENG MB FINANCIAL BANK-IL IL BNK MCHENRY AREA CHAMBER IL COC METAVANTE- IL IL EMP METHODIST MEDICAL CNT IL IL MED METRO COUNTIES OF IL IL WCA MIDAMERICA BANK IL BNK002E 5 2 MIDWEST ASSOC OF CR UN IL CRU MITSUB MTRS NA MANUF DIV IL MAN MORGAN MURPHY STATION-IL IL EMP MORNINGSTAR IL EMP002. MORNINGSTAR INC IL EMP002E 5 2 MOTOROLA INC IL IL174. N IL UNIV EMPL CR UN IL DEK NAPERVILLE AREA CHAMBER IL COC NAPERVILLE UNIT 203 ED IL IL181. NBC UNIVERSAL IL CHI NEW LENOX CHAMBER IL COC NIU EMPLOYEES FCU IL DEK NORTHERN TRUST COMPANY-IL IL BNK003E 5 2 NW AIRLINES - IL IL EMP NW MEMORIAL HEALTH CARE IL MED NW MUNICIPAL FCU IL CRU NW UNIVERSITY EMPOYEES IL IL195. OLIVET NAZARENE UNIV IL UNV ORDER OF ST FRANCIS HLTH IL MED ORLAND PARK AREA CHAMBER IL COC PARDA FCU IL CRU PARKLAND COLLEGE-STAFF IL EDU PARKLAND COLLEGE-TEACHER IL TEA PLATINUM CREDIT CARD-IL IL PLT POLICEMANS BENE & PROT AS IL SAF PRAIRIELAND FCU IL CRU PROVENA HEALTH - IL IL MED PROVENA-CHAMPAIGN/DANVL IL PRV QUARLES & BRADY - IL IL ATT

17 QUINCY MEDICAL GROUP IL MED REALTOR ASC NW CHICAGO-IL IL REL REHAB INSTITUTE CHICAGO IL MED RIVERSIDE COMMUNITY CU IL CRU ROCKFORD EDUCATION ASSOC IL EDU ROSALIND FRANKLIN UNIV-IL IL EDU ROUNDYS SUPERMKT INC-IL IL EMP RUSH COPLEY MEDICAL CNTR IL MED RUSH OAK PARK HOSPITAL IL MED RUSH PRESBY ST LUKE MED IL IL229. S SIDE TRUST & SAV BNK IL BNK SASED TEACHERS IL TEA SIU PHYSICIANS & SURGOENS IL DOC ST AMBROSE UNIVERSITY-IL IL UNV ST CHARLES CHAMBER IL COC STATE OF IL EMPLOYEES IL IL256. STATE UNIV ANNUITANTS ASC IL TEA SUB COOK CNTY REG OFF ED IL TEA SUBURBAN BANK & TRUST IL BNK SW SUB FED OF TEACH 943 IL TEA TOWNSHIP OFFICIALS OF IL IL WCA TRANS UNION LLC-IL IL EMP TRI CITY ELECTRIC CO-IL IL ELC TRINITY HOSP- DOCTORS-IL IL DOC TRINITY HOSP- NURSES-IL IL NUR TRINITY HOSP-STAFF-IL IL MSS UN COUNTIES COUNCIL OF IL IL WCA UN PACIFIC STRMLIN FCU-IL IL CRU UNITED AIRLINES IL IL278. UNIV OF CHI MED CNT-IL IL MED VALLEY BELL CU IL CRU VISITING NURSES ASSOC-IL IL NUR WECO COMMUINTY CU IL CRU WEST CHICAGO CHAMBER IL COC WEST SUBURBAN BANK IL BNK WHEATON CHAMBER - IL IL COC WHEATON COLLEGE-IL IL EDU

18 MetLife Auto Discounts Defensive Driver Discount A ten percent (10%) discount shall apply provided the principal operator: i. Is at least 55 years of age or older, and ii. Submits proof of the successful completion of the National Safety Council's Defensive Driving Course or a motor vehicle accident prevention course which is found by the Secretary of State to meet or exceed the standards of the National Safety Council's Defensive Driving Course's eight hour classroom safety instruction program. The insured is eligible for the discount for a period of three years following the successful completion of the course. When the discount eligibility expires, the insured must again successfully complete the course in order to continue to receive the discount. Auto/Home Multi-Policy Discount A ten percent (10%) discount is provided to those insureds who also are the named insured on a Metropolitan Homeowners policy. This discount is available to the Auto Policy when the Homeowners insurance is a Renters policy. Auto/Life Multi-Policy Discount A five percent (5%) discount is provided when the named insured, spouse, or civil union partner has an active individual life insurance poplicy. SAFETY DEVICE DISCOUNTS A. Passive Restraint The premium for Medical Expense shall be reduced by the following amount if the vehicle is equipped with the corresponding factory-installed safety system: Air Bag(Driver Side only) 20% Air Bag (Driver & Passenger Side) 30% Air Bag & Automatic SeatBelts 40% B. Anti-Lock Brakes The premium for Bodily Injury Liability and Property Damage Liability or Combined Single Limit Liability coverage shall be reduced by 5% if the vehicle is equipped with a factory-installed anti-lock braking system. GOOD STUDENT DISCOUNT A 20% discount shall be applied to the premiums for Bodily Injury Liability and Property Damage Liability or Combined Single Limit Liability, Medical Expense, Comprehensive and Collision for cars rated w/ a student driver maintaining a 3.0 GPA. RESIDENT STUDENT DISCOUNT If the operator is a student under age 25, is rated as an occasional operator, is residing at an educational institution over 100 road miles from the place of principal garaging of the automobile, and the automobile is left at home, the premium

19 for Bodily Injury Liability and Property Damage Liability or Combined Single Limit Liability, Medical Expense, Comprehensive and Collision shall be reduced by 25%. MetRewards The following percentages will be given to drivers without tickets or accidents for the years indicated: 3 yrs of no activity- 7% 5-7 yrs of no activity- 18% For youthful (under age 25) operators the discount is greater: 3 yrs of no activity- 12% 5-7 yrs of no activity- 20% MetLife Home Discounts Protective Device Discounts Burglar Alarm (local, central)- 5%, 10% Fire Alarm (local, central)- 5%, 10% Controlled Access community or building- 5% Deductible Savings Base Deductible- $500 (all percent discounts are based off $500 deductible) $500/$1000 Wind/Hail Deductible- 7% savings $1000 All Peril Deductible- 17% savings $2500 All Peril Deductible- 24% savings Age of Dwelling Homes built within the the last 10 years will receive up to a 10% discount AGE OF INSURED A factor is to be applied to the premium based on the age of the primary insured. In the case of more than one primary insured, the insured s age that results in the lowest factor will apply. Insured age 55 and over will receive a 10% discount on home insurance policy.

20 Home/MetLife Bank Mortgage Discount (Does not apply to Mobile Home, Landlord s or Renters products) A discount will apply to the total policy premium (including all optional coverages) for those insureds who have a mortgage with MetLife Bank, NA. SUPERIOR HOME DISCOUNT An 8% discount is available for homeowner policies satisfying the following criteria: i. Dwelling is single family and owner occupied. ii. Dwelling has been constructed within the past 20 years. iii. Coverage A amount is at least $125,000. iv. Dwelling is insured to 100% of value and Inflation Protection is maintained. v. A deductible of $500 or greater applies. vi. Dwelling is rated as Protection Class 1-6.

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