Motor Vehicle Policy Amendment Additional lnterest - Additional Insured - Lessor Massachusetts - (M S Ed )

Transcription

1 Policy Number: Motor Vehicle Policy Amendment Additional lnterest - Additional Insured - Lessor Massachusetts - (M S Ed ) The coverage provided under: 1. Bodily Injury To Others (Part 1), 2. Personal Injury Protection (Part 2), 3. Bodily Injury Caused By An Uninsured Auto (Part 3) up to the Compulsory Limits, 4. Damage To Someone Else s Property (Part 4) up to the Compulsory Limit 5. Amounts over the compulsory limit for Damage To Someone Else s Property (Part 4), and 6. Optional Bodily Injury To Others (Part 5), for the motor vehicle shown below also applies to: (a) The person and to that person s agents or employees as an Additional Interest; or (b) The Lessor as an Additional Insured; shown below. If we cancel this policy, a notice of cancellation will be sent to the Additional Interest or Additional Insured shown below. Name and Address of Additional Interest or Additional Insured-Lessor: Description of Motor vehicle: A209MC (04-14)

2 Massachusetts Motor Vehicle Insurance Policy Please read your policy. As you read the policy, check the Coverage Selections Page to make sure it shows exactly what you intended to buy. If there is any question, call us right away. Includes Copyrighted Material from Automobile Insurers Bureau, 2008 A40MA (04-14) Policy Change Page 27 of 70

3 CONTENTS Page INTRODUCTION... 1 DEFINITIONS OUR AGREEMENT... 2 COMPULSORY INSURANCE 2 Part 1. Bodily Injury To Others Part 2. Personal Injury Protection Part 3. Bodily Injury Caused By An Uninsured Auto Part 4. Damage To Someone Else's Property OPTIONAL INSURANCE 7 Part 5. Optional Bodily Injury To Others Part 6. Medical Payments Part 7. Collision Part 8. Limited Collision Part 9. Comprehensive Part 10. Emergency Road Service Part 11. Bodily Injury Caused By An Underinsured Auto GENERAL PROVISIONS AND EXCLUSIONS CANCELLATION AND RENEWAL WHEN THERE IS AN ACCIDENT OR LOSS A40MA (04-14) Policy Change Page 28 of 70

4 INTRODUCTION This insurance policy is a legal contract between the policy owner ( you) and the company (we or us). It insures you and your motor vehicle for the period shown on the Coverage Selections Page. As long as you pay your premium, we agree to provide you or others the benefits to which you or they are entitled. The exact terms and conditions are explained in the following pages. There are two basic categories of insurance described in this policy, Compulsory Insurance and Optional Insurance. COMPULSORY INSURANCE There are four Parts to Compulsory Insurance. They are all required by law. Every motor vehicle registered in Massachusetts must have them. OPTIONAL INSURANCE There are eight Parts to Optional Insurance. Some of them extend the coverage or the amounts of protection provided by Compulsory Insurance. Some of them provide protection not found in Compulsory Insurance. You do not have to buy any of these eight Parts if you do not want to. Motor vehicle insurance claims arise in hundreds of different ways. Motor vehicles are sometimes stolen or damaged. Accidents may injure people occupying your motor vehicle, people in other motor vehicles or pedestrians. You may be responsible for an accident or someone else may be. An accident may happen in Massachusetts or out of state. Different situations require different kinds of insurance. Please read the whole policy to see what kinds of insurance are available to cover these different situations. At the same time, you should check the Coverage Selections Page to make sure it correctly indicates the coverages you purchased. Each coverage you purchased will be displayed along with a premium charge next to it. If a coverage is not listed for a particular vehicle or if no premium charge is shown for a coverage on a particular vehicle, you do not have the coverage. Sometimes you and we will agree to change this policy. The only way that can be done is by an Endorsement added to the basic policy form. All endorsements must be in writing. They then become part of this policy. We are pleased to have you as a customer and hope you have a safe and accident-free year. But if you need us, we are here to help you. If you have an accident or loss, or if someone sues you, contact us at Do the same if you have any questions or complaints. If you think we have treated you unfairly at any time, you may contact the Division of Insurance, (617) DEFINITIONS Throughout this policy definitions are bolded when used: 1. We, Us or Our - refers to the company issuing this policy. 2. You or Your - refers to the person(s) named in Item 1 of the Coverage Selections Page. 3. Motor vehicle- means a motorcycle or off-road vehicle. 4. Your motor vehicle- means: A. The vehicle or vehicles described on the Coverage Selections Page for which a premium is shown under the coverage selection. B. Any motorcycle, off-road vehicle or private passenger auto while used as a temporary substitute for the described motor vehicle, with the permission of the owner, while the described motor vehicle is out of normal use because of a breakdown, repair, servicing, loss or destruction. The term your motor vehicle does not include a substitute vehicle owned by you or your spouse. C. A motorcycle or off-road vehicle to which you take title or lease as a permanent replacement for a described motor vehicle or as an additional motorcycle. We provide coverage for an additional motorcycle only if you ask us to insure it within seven days after you take title or the effective date of the lease. A replacement motor vehicle or additional motorcycle must not be used for the delivery or transportation of goods or materials. 5. Motorcycle means a land motor vehicle that is designed for operation principally upon public roads and has: (a) at least two wheels; or (b) not more than three wheels and is manufactured or reconstructed from a two-wheeled motorcycle. 6. Off-road vehicle means an all-terrain vehicle, dirt bike, or EPAMD. 7. All-terrain vehicle means a self-propelled motorized vehicle formatted with four wheels or six wheels, with open-air driver s seating manufactured for sale for recreational or utilitarian use off-road or along designated trails and various unimproved terrain and only incidentally operated on public highways. A40MA (04-14) Page 1 of 21 Policy Change Page 29 of 70

5 8. Dirt bike means a land motor vehicle designed principally for operation off public roads that has two wheels with completely open-air driver's seating and a motorcycle hand gripped steering device. 9. Electric Personal Assistive Mobility Device (EPAMD) means a self-balancing personal transportation device with two wheels. 10. Trailer means an accessory designed to be towed by a motorcycle or off-road vehicle, if not being used for business or commercial purposes. 11. Occupying means in, upon, entering into, or getting out of. 12. Collision means the accidental upset of your motor vehicle or any physical contact of your motor vehicle with another object. 13. Household member means anyone living in your household who is related to you by blood, marriage or adoption. This includes wards, step-children or foster children. 14. Pedestrian includes anyone incurring bodily injury as a result of being struck by a motor vehicle in an accident and who is not occupying a motor vehicle at the time of the accident. OUR AGREEMENT This policy is a legal contract under Massachusetts law. Because this is a motor vehicle policy, it only covers accidents and losses which result from the ownership, maintenance or use of motor vehicles. The exact protection is determined by the coverages you purchased. We agree to provide the insurance protection you purchased for accidents that occur while this policy is in force. You agree to pay premiums when due and to cooperate with us in case of accidents or claims. Our contract consists of this policy, the Coverage Selections Page, any endorsements agreed upon, and your application for insurance. Oral promises or statements made by you or us are not part of this policy. There are many Massachusetts laws relating to motor vehicle insurance. We and you must and do agree that, when those laws apply, they are part of this policy. COMPULSORY INSURANCE There are four Parts to Compulsory Insurance. They are called Compulsory Insurance because Massachusetts law requires you to buy all of them before you can register your motor vehicle. No law requires you to buy more than this Compulsory Insurance. However, if you have financed your motor vehicle, the bank or finance company may legally insist that you have some Optional Insurance as a condition of your loan. The amount of your coverage and the cost of each Part is shown on the Coverage Selections Page. Your Compulsory Insurance does not pay for any damage to your motor vehicle. PART 1 - BODILY INJURY TO OTHERS Under this Part, we will pay damages to people injured or killed by your motor vehicle in Massachusetts accidents. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. We will not pay for punitive or exemplary damages. We will pay only if you or someone else using your motor vehicle with your consent is legally responsible for the accident. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is $20,000. Subject to this $20,000 limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is $40,000. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. We will not pay or defend: For injuries to guest occupants of your motor vehicle. For injuries caused by anyone occupying an off-road vehicle. For accidents outside of Massachusetts or in places in Massachusetts where the public has no right of access. For injuries to any employees of the legally responsible person if they are entitled to Massachusetts workers compensation benefits. The law provides a special protection for anyone entitled to damages under this Part. We must pay their claims even if false statements were made when applying for this policy or your motor vehicle registration. We must also pay even if you or the legally responsible person fails to cooperate with us after the accident. We will, however, be entitled to reimbursement from the person who did not cooperate or who made any false statements. If a claim is covered by us and also by another company authorized to sell motor vehicle insurance in Massachusetts, we will pay only our proportionate share. If someone covered under this Part is using a motor vehicle he or she does not own at the time of the accident, the owner's motor vehicle insurance must pay its limits before we pay. Then, we will pay, up to the limits shown on your Coverage Selections Page, for any damages not covered by that insurance. A40MA (04-14) Page 2 of 21 Policy Change Page 30 of 70

6 COMPULSORY INSURANCE (CONTINUED) ACTION AGAINST US No person alleging coverage under Part 1. Bodily Injury To Others may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 1. Bodily Injury To Others unless the person alleging coverage has fully complied with all the policy's terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 1. Bodily Injury To Others, has a right under this policy to make us a defendant in an action to determine the person's liability. Bankruptcy or insolvency of the person alleging coverage under Part 1. Bodily Injury To Others or of his estate will not relieve us of our obligations. PART 2 - PERSONAL INJURY PROTECTION IMPORTANT NOTICE ABOUT PERSONAL INJURY PROTECTION: THE COVERAGE PROVIDED DOES NOT INCLUDE PERSONAL INJURY PROTECTION FOR OWNERS, OPERATORS OR GUESTS OF MOTORCYCLES OR OFF-ROAD VEHICLES WHO SUFFER BODILY INJURY WHILE OPERATING OR RIDING AS A GUEST UPON SUCH VEHICLES. The benefits under this Part are commonly known as No-Fault benefits. It makes no difference who is legally responsible for the accident. We will pay the benefits described below to you and other people injured or killed in motor vehicle accidents. For any one accident, we will pay as many people as are injured, but the most we will pay for injuries to any one person is $8,000. This is the most we will pay no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. We will pay three kinds of benefits: A. Medical Expenses We will pay all reasonable expenses incurred as a result of the accident for necessary medical, surgical, X-ray and dental services. This includes prosthetic devices. It also includes ambulance, hospital, professional nursing and funeral services. B. Lost Wages If an injured person is out of work because of the accident, we will pay lost wages up to 75% of his or her average weekly gross wage or equivalent for the year ending on the day immediately before the accident. We will not pay for the loss of any other type of income. If the injured person was unemployed at the time of the accident, we will pay up to 75% of the amount he or she actually lost in earning power as a result of the accident. C. Replacement Services We will reimburse the injured person for reasonable payments made to anyone outside his or her household for necessary services that he or she would have performed without pay for the benefit of the household, had he or she not been injured. We will pay PIP benefits to or for: 1. You or a household member if injured while occupying a motor vehicle, other than a motorcycle or an off-road vehicle, which does not have Massachusetts Compulsory Insurance or if struck as a pedestrian by a motor vehicle which does not have Massachusetts Compulsory Insurance. 2. Any pedestrian, including you, if struck by your motor vehicle in Massachusetts or any Massachusetts resident who, while a pedestrian, is struck by your motor vehicle outside of Massachusetts. Benefits are paid only for expenses or losses actually incurred within two years after the accident. If the accident is in Massachusetts, or if it is outside Massachusetts and the injured person does not sue for damages, we will pay benefits within a reasonable time usually thirty days. If the accident is outside Massachusetts and the injured person does sue, then we can wait for a settlement or judgment before paying benefits. Some people have a wage continuation program at work. If so, we will pay them only the difference between the total we would ordinarily pay under this Part and the amount of the program payments. We will, however, reimburse the program if it allows benefits to be converted into cash or additional retirement credit. Sometimes program benefits are reduced or used up because of payments to the person injured in an accident. In that case, we will pay for lost wages resulting from any other illness or injury that person has within one year of our last payment. The exact amount of our payments under this paragraph will be determined by Massachusetts law. Some people have a policy of health, sickness, or disability insurance or a contract or agreement with a group, organization partnership or corporation to provide, pay for, or reimburse the cost of medical expenses ( health plan ). If so, we will pay up to $2,000 of medical expenses for any injured person. We will also pay medical expenses in excess of $2,000 for such injured person which A40MA (04-14) Page 3 of 21 Policy Change Page 31 of 70

7 COMPULSORY INSURANCE (CONTINUED) will not be paid by a health plan. Medical expenses must be submitted to the health plan to determine what the health plan will pay before we pay benefits in excess of $2,000 under this Part. We will not pay for medical expenses in excess of $2,000 that the health plan would have paid had the injured person sought treatment in accordance with the requirements of the health plan. In any case, our total payment for medical expenses, lost wages and replacement services will not exceed $8,000. Within two years after an accident, we may, at our option, pay the cost of renewing or continuing in force a policy of health, sickness or disability insurance for anyone covered under this Part who is unwilling or unable to pay such cost. Our payment will not exceed the cost of renewing or continuing such policy for a period of two years after the accident. Also, our payment will not operate to reduce the benefits otherwise payable under this Part. We will not pay PIP benefits to or for: 1. Anyone who, at the time of the accident, was operating or occupying a motorcycle, any motor vehicle not subject to motor vehicle registration, or a motorized bicycle, including a moped. 2. Anyone who contributed to his or her injury by operating a motor vehicle: (a) while under the influence of alcohol, marijuana, or a narcotic drug, (b) while committing a felony or seeking to avoid arrest by a police officer, or (c) with the specific intent of causing injury to himself, herself or others. 3. Anyone who is entitled to benefits under any workers compensation law for the same injury. We will not pay PIP benefits to or for an injured person, to the extent those benefits would duplicate expenses or losses recovered by that person in a court judgment or settlement. If anyone covered under this policy is also entitled to PIP benefits from any other motor vehicle policy, the total benefits payable will not be more than the highest amount payable under whichever one of the policies would have paid the most. In that case, each insurer will pay only its proportionate share. We will not pay benefits under this Part which duplicate payments made under the No-Fault coverage of any other motor vehicle policy. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 2. Personal Injury Protection, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. PART 3 - BODILY INJURY CAUSED BY AN UNINSURED AUTO Sometimes an owner or operator of a motor vehicle legally responsible for an accident is uninsured. Some accidents involve unidentified hit-and-run motor vehicles. Under this Part, we will pay damages for bodily injury to people injured or killed in certain accidents caused by uninsured or hit-and-run motor vehicles. We will pay only if the injured person is legally entitled to recover from the owner or operator of the uninsured or hit-and-run motor vehicle. We will pay for hit-and-run accidents only if the owner or operator causing the accident cannot be identified. Sometimes the company insuring the motor vehicle responsible for an accident will deny coverage or become insolvent. We consider such a motor vehicle to be uninsured for purposes of this Part. However, we do not consider a motor vehicle owned by a governmental unit which is self-insured, or by someone who is legally self-insured, to be an uninsured motor vehicle. This Part is Compulsory. You must have limits of $20,000 per person and $40,000 per accident. However, you may want to buy more protection. If so, we must sell you limits up to $35,000 per person and $80,000 per accident, provided you have purchased at least these limits for Part 5. Higher limits may be purchased if agreed upon by you and by us. We will pay damages to or for: 1. You, while occupying your motor vehicle, while occupying any motorcycle or private passenger auto you or a household member do not own, or if injured as a pedestrian. 2. Any household member, while occupying your motor vehicle, while occupying any motorcycle or private passenger auto not owned by you or a household member or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts motor vehicle policy of his or her own or who is covered by any Massachusetts motor vehicle policy of another household member providing uninsured motor vehicle insurance with higher limits. 3. Anyone else while occupying your motor vehicle. We will not pay damages to or for anyone else who has a Massachusetts motor vehicle policy of his or her own, or who is covered by any Massachusetts motor vehicle policy of another household member providing uninsured motor vehicle insurance. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. A40MA (04-14) Page 4 of 21 Policy Change Page 32 of 70

8 COMPULSORY INSURANCE (CONTINUED) Coverage for off-road vehicles under this Part only applies if the accident occurs on a public road. If you are injured while occupying your motor vehicle and you have two or more motor vehicles insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for your motor vehicle you are occupying when injured. If you are injured as a pedestrian or while occupying any motor vehicle you do not own, and you have two or more Massachusetts motor vehicle policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for you, if struck by, or while occupying a motor vehicle you own and which does not have Massachusetts compulsory motor vehicle insurance. Likewise, we will not pay damages to or for any household member if struck by, or while occupying a motor vehicle owned by that household member which does not have Massachusetts compulsory motor vehicle insurance. We will not pay for punitive or exemplary damages. The most we will pay for damages to or for anyone injured in the following situations is $35,000 per person and $80,000 per accident or the limits you purchased, whichever is less: 1. Anyone injured while occupying your motor vehicle while it is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in an expense reimbursement program either as a volunteer or at work. 2. Anyone injured while using a motor vehicle without the consent of the owner. 3. Anyone injured while using a motor vehicle in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. We will reduce the damages an injured person is entitled to recover by: 1. The amount recovered from any legally responsible person. 2. The amount paid under a workers compensation law or similar law. 3. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts motor vehicle policy. We will pay the balance of the damages up to the limits shown for this Part on your Coverage Selections Page. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of the damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without our written consent. We will not, however, unreasonably withhold our consent. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the per person limit. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the per accident limit. This is the most we will pay as the result of a single accident. The limits of two or more motor vehicles or policies shall not be added together, combined, or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of motor vehicles involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicate payments under the uninsured motor vehicle insurance of any other motor vehicle policy. This Part will not benefit any insurer or self-insurer under a workers compensation law or any similar law. ACTION AGAINST US No person alleging coverage under Part 3. Bodily Injury Caused By An Uninsured Auto, may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 3. Bodily Injury Caused By An Uninsured Auto, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. A40MA (04-14) Page 5 of 21 Policy Change Page 33 of 70

9 COMPULSORY INSURANCE (CONTINUED) If a person alleging coverage commences action against the owner or operator of an uninsured motor vehicle to recover damages for loss arising out of the accident and gives us written notice of such action within 30 days after such action is commenced, an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, may be brought more than two years after the date the cause of action accrues, but in no event later than the earliest of the following to occur: A. two years after entry of a final judgment or other court order terminating such lawsuit against the owner or operator of an uninsured motor vehicle; or B. two years after we deny coverage. If any person alleging coverage sues a person believed responsible for the accident without our written consent, we are not bound by any resulting judgment. PART 4 - DAMAGE TO SOMEONE ELSE'S PROPERTY Under this Part, we will pay damages to someone else whose motor vehicle or other property is damaged in an accident. The damages we will pay are the amounts that person is legally entitled to collect for property damage through a court judgment or settlement. We will pay only if you or a household member is legally responsible for the accident. We will also pay if someone else using your motor vehicle with your consent is legally responsible for the accident. Damages include any applicable sales tax and the costs resulting from the loss of use of the damaged property. The following are not covered: A. The United States of America or any of its agencies. B. Any person while using a motor vehicle in the course of his employment by the United States Government if the Federal Tort Claim Act requires the Attorney General of the United States to defend that person in any civil action or proceeding for bodily injury or property damage, whether or not the accident has been reported to the United States or the Attorney General. C. The Commonwealth of Massachusetts or any of its agencies. We will not pay for property damage which occurs: 1. While your motor vehicle is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in an expense reimbursement program either as a volunteer or at work. 2. While any motor vehicle is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing or parking motor vehicles. This exclusion does not apply to the ownership, maintenance or use of your motor vehicle by you or a household member. 3. While anyone is using any motor vehicle in the course of any business. 4. While a household member is using a motor vehicle which you or any household member owns or uses regularly unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 5. While you are using a motor vehicle which you or a household member owns or uses regularly unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 6. To a motor vehicle or other property owned by you or the legally responsible person. Similarly, we will not pay for damage to a motor vehicle or other property, except for a private residence or garage, which you or the legally responsible person rents or has in his or her care. 7. When the property damage is caused by anyone using a motor vehicle without the consent of the owner. The most we will pay for damage resulting from any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. If someone covered under this Part is using a motor vehicle he or she does not own at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on the Coverage Selections Page. However, if the claim is covered by us and another motor vehicle policy, we will pay only our proportionate share of those damages not paid by the owner s motor vehicle insurance. Under this Part, we may have to pay for property damage even if you or the legally responsible person fails to give us prompt notice of the accident. In that case we may be entitled to reimbursement from that person. This Part is Compulsory. You must have limits of at least $5,000. However, you may want to buy more protection. Higher limits may be purchased if agreed upon by you and by us. However, $5,000 is the most we will pay for property damage caused by a motor vehicle covered under this Part which is being operated in any racing, speed, stunting or A40MA (04-14) Page 6 of 21 Policy Change Page 34 of 70

10 COMPULSORY INSURANCE (CONTINUED) demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. ACTION AGAINST US No person alleging coverage under Part 4. Damage To Someone Else s Property may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 4. Damage To Someone Else s Property unless the person alleging coverage has fully complied with all the policy s terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 4. Damage To Someone Else s Property, has a right under this policy to make us a defendant in an action to determine the person s liability. Bankruptcy or insolvency of the person alleging coverage under Part 4. Damage To Someone Else s Property or of his estate will not relieve us of our obligations. OPTIONAL INSURANCE There are eight separate Parts to Optional Insurance. They are called Optional Insurance because they are not required by law. The amount of insurance and cost of any of these Parts you purchased is shown on the Coverage Selections Page. With the exception of Emergency Road Service (Part 10), we must sell you any or all of the Optional coverages you wish, subject to certain deductibles and limits specified in Massachusetts law. However, Massachusetts law provides that we may refuse to sell Collision (Part 7) and Comprehensive (Part 9), or both, in certain specified instances. Because two of the Optional coverages Collision (Part 7) and Limited Collision (Part 8) duplicate each other in many ways, you may buy one of them but not both. If you do not buy either one, you still have the right to sue people who damage your motor vehicle but we will not provide any assistance to you for any direct and accidental damage to your motor vehicle caused by a collision under this policy. Throughout Optional Insurance the following definitions apply: Actual cash value is the value of a motor vehicle based on a consideration of all the following factors: (a) The retail book value for a motor vehicle of like kind and quality, but for the damage incurred; (b) The price paid for the vehicle plus the value of prior improvements to the motor vehicle at the time of the accident, less appropriate depreciation; (c) The decrease in value of the motor vehicle resulting from prior unrelated damage which is detected by the appraiser; and (d) The actual cost of purchase of an available motor vehicle of like kind and quality but for the damage sustained. Betterment is improvement of the motor vehicle or property to a value greater than its pre-loss condition. Custom parts or equipment means equipment, devices, enhancements and changes, other than those which are original manufacturer installed, which are permanently installed or attached, or alter the appearance or performance of your motorcycle. This includes, but is not limited to: (a) (b) (c) (d) Non-Stock sidecars; Trike conversion kits; Paint; or Electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or to play back recorded media. Custom parts or equipment also includes a trailer that is attached to or detached from your motor vehicle or a non-owned motor vehicle. We will not pay under any of the Optional coverages: 1. If the accident happens while your motor vehicle is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in a reimbursement program either as a volunteer or at work. 2. For loss to custom parts or equipment, in excess of $2,000, unless the existence of those custom parts or equipment has been previously reported to us and an endorsement to the policy has been added. 3. For loss or damage to equipment designed for the detection or avoidance of any law enforcement speed measuring device. This does not apply to electronic equipment designed solely for safety warning systems. 4. For injury or damage that is intentionally caused by you, a household member or anyone else using your motor vehicle with your consent. A40MA (04-14) Page 7 of 21 Policy Change Page 35 of 70

11 OPTIONAL INSURANCE (CONTINUE D) 5. While any motor vehicle is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing, or parking motor vehicles. This exclusion does not apply to the ownership, maintenance or use of your motor vehicle by you or a household member. 6. While anyone is using any motor vehicle in the course of any business. PART 5 - OPTIONAL BODILY INJURY TO OTHERS Under this Part, we will pay damages to people injured or killed in accidents if you or a household member is legally responsible for the accident involving your motor vehicle or a motorcycle not owned by you. We will also pay damages if someone else using your motor vehicle with your consent is legally responsible for the accident. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. This Part is similar to Compulsory Bodily Injury To Others (Part 1). Like the Compulsory Part, this Part pays for accidents involving your motor vehicle in Massachusetts. Also like the Compulsory Part, this Part does not pay for the benefit of anyone using a motor vehicle without the consent of the owner. Unlike the Compulsory Part, this Part does provide coverage for injuries to guest occupants and for accidents occurring outside Massachusetts. The following are not covered: A. The United States of America or any of its agencies. B. Any person while using a motor vehicle in the course of his employment by the United States Government if the Federal Tort Claim Act requires the Attorney General of the United States to defend that person in any civil action or proceeding for bodily injury or property damage, whether or not the accident has been reported to the United States or the Attorney General. C. The Commonwealth of Massachusetts or any of its agencies. We will not pay or defend: 1. For injuries to employees of the person using the motor vehicle who are injured in the course of employment. 2. For injuries resulting from an accident while a household member is using a motor vehicle which you or any household member owns or uses regularly, unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 3. For injuries resulting from an accident while you are using a motor vehicle which you or a household member owns or uses regularly, unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 4. For any liability assumed under any contract or agreement. 5. For punitive or exemplary damages. 6. For injuries to guest occupants, unless occupying your motor vehicle or a motorcycle not owned by you, which is designed for a passenger. If the accident occurs in any other state, the District of Columbia, a United States territory or possession, or in a Canadian province and you have purchased any coverage at all under this Part, your policy will automatically apply to that accident, as follows, if the state, the District of Columbia, United States territory or possession, or Canadian province has: 1. A financial responsibility law or similar law requiring limits of liability for bodily injury or property damage higher than the limits you have purchased, your policy will provide the higher required limits. 2. A compulsory insurance or similar law requiring your motor vehicle to have insurance whenever it is used in the state, the District of Columbia, United States territory or possession, or Canadian province, your policy will provide at least the required minimum amounts and types of coverage. The limits shown for this Part on the Coverage Selections Page are the total limits you have under Compulsory Bodily Injury To Others (Part 1) and this Part. This means that the Compulsory limits are included within the limits shown on the Coverage Selections Page for this Part and are not in addition to them. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the per person limit for the motor vehicle involved in that accident. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the per accident limit for the motor vehicle involved in that accident. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. A40MA (04-14) Page 8 of 21 Policy Change Page 36 of 70

12 OPTIONAL INSURANCE (CONTINUE D) However, if the claim is covered by us and another motor vehicle policy, we will pay only our proportionate share of those damages not paid by the owner s motor vehicle insurance. If someone covered under this Part is using a motorcycle or temporary substitute he or she does not own at the time of the accident, the owner s insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on your Coverage Selections Page. Any payments we make to anyone or for anyone under Bodily Injury Caused By An Uninsured Auto (Part 3) will reduce the amount of damages that person is entitled to recover from anyone covered under this Part. We will also pay up to $250 for the cost of bail bonds required as a result of an accident covered under this Part including bail bonds for traffic law violations related to the accident. We must sell you limits up to $35,000 per person and $80,000 per accident if you want to buy them. Higher limits may be purchased if agreed upon by you and by us. However, while any motor vehicle covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits. While a motor vehicle covered under this part is participating in an organized track event, the most we will pay is the required minimum limits. ACTION AGAINST US No person alleging coverage under Part 5. Optional Bodily Injury To Others may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 5. Optional Bodily Injury To Others unless the person alleging coverage has fully complied with all the policy s terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 5. Optional Bodily Injury To Others, has a right under this policy to make us a defendant in an action to determine the person alleging coverage liability. Bankruptcy or insolvency of the person alleging coverage under Part 5. Optional Bodily Injury To Others or of his estate will not relieve us of our obligations. PART 6 - MEDICAL PAYMENTS Under this Part, we will pay reasonable expenses for necessary medical and funeral services incurred as a result of an accident. We will pay for expenses resulting from bodily injuries to anyone occupying your motor vehicle at the time of the accident. We will also pay for expenses resulting from bodily injuries to you or any household member if struck by a motor vehicle or if occupying a motorcycle not owned by you at the time of the accident. We will not pay for expenses resulting from injuries to: 1. Anyone injured while in a vehicle which had been placed off the public roads for use as a residence. 2. Anyone injured in the course of employment in selling, servicing, repairing or parking motor vehicles if that person is entitled to workers compensation benefits. 3. Anyone employed by you or your spouse who is injured in the course of employment. This exception does not apply to any domestic employee who is not entitled to any workers compensation benefits. 4. Anyone injured while occupying a motor vehicle without a reasonable belief that he or she had the consent of the owner to do so. 5. A household member while occupying or struck by a motor vehicle owned or regularly used by you or any household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 6. You while occupying or struck by a motor vehicle owned or regularly used by you or any household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 7. Any person, if such person s conduct contributed to his bodily injury under any of the following circumstances: (a) causing bodily injury to himself intentionally; or (b) while committing a felony. 8. The United States of America or any of its Agencies as an insured, a third party beneficiary or otherwise. We will not pay for expenses incurred more than two years after the date of the accident. We will not pay under this Part for any expenses that are payable under the Personal Injury Protection coverage of this policy or any other Massachusetts motor vehicle policy. A40MA (04-14) Page 9 of 21 Policy Change Page 37 of 70

13 OPTIONAL INSURANCE (CONTINUED) The most we will pay for any one person as a result of any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. If someone covered under this Part is also entitled to Medical Payments coverage under another motor vehicle policy issued to you or any household member, we will pay only our proportionate share. If someone covered under this Part is using a motor vehicle he or she does not own at the time of the accident, the owner s Medical Payments insurance must pay its limit before we pay. Then, we will pay up to the limit shown on your Coverage Selections Page for any expenses not covered by that insurance. We will not pay benefits under this Part which duplicate payments made under the Medical Payments coverage of any other motor vehicle policy. We must sell you limits of $5,000 per person if you want to buy them. Higher limits or lower limits may be purchased if agreed upon by you and us. However, while a motor vehicle covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits or the limit on your Coverage Selections Page, whichever is less. While a motor vehicle covered under this part is participating in an organized track event, the most we will pay is the required minimum limits or the limit on your Coverage Selections Page, whichever is less. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 6. Medical Payments, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. PART 7 COLLISION Under this Part, we will pay for any direct and accidental damage to your motor vehicle caused by a collision. We will also pay for collision damage to a motorcycle used by you or a household member with the consent of the owner. It does not matter who is at fault. We will pay the cost to physically repair your motor vehicle or a motorcycle you do not own or any of its parts up to the actual cash value at the time of the collision and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either: (a) the actual cash value of; or (b) the cost to physically repair your motor vehicle, or a motorcycle you do not own, whichever is less. The cost to physically repair is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation or betterment and for the physical condition of the property. We will, at our option: (a) repair; (b) repair or replace any parts of; or (c) declare a total loss of your motor vehicle or a motorcycle you do not own. If the repair of a damaged part will impair the operational safety of said vehicle we will replace the part. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. We will not pay for damage to any motor vehicle which is owned or regularly used by you or a household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. We will not pay if an accident occurs while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, whether or not prearranged or organized. We will not pay if a motor vehicle is participating in an organized motor vehicle track event. We will not pay for any liability assumed under any other contract or agreement. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your motor vehicle. A40MA (04-14) Page 10 of 21 Policy Change Page 38 of 70

14 OPTIONAL INSURANCE (CONTINUED) We will not pay for a collision loss for an accident which occurs while your motor vehicle is being operated by a household member who is not listed as an operator on this policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on this policy because: 1. The household member would be classified as an inexperienced operator, or 2. More points would be assigned under a merit rating plan. We will not pay for damage to custom parts or equipment, other than a trailer, on your off-road vehicle. We will not pay for damage to your off-road vehicle, if the damage does not affect the structure or safe operation of your off-road vehicle. You must notify us within 60 days after a person who will operate your motor vehicle becomes a household member, if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your motor vehicle, becomes a licensed operator. If we pay for the total loss of your motor vehicle, we will suspend the Collision Coverage for that motor vehicle until it passes a Motor Vehicle Inspection Test. If a temporary substitute or a motorcycle covered under this Part is not owned by you at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay, then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 8 - LIMITED COLLISION Under this Part, we will pay in some situations for direct and accidental damage to your motor vehicle caused by a collision. We will also pay for collision damage to a motorcycle used by you or a household member with the consent of the owner. We will pay the cost to physically repair your motor vehicle or a motorcycle you do not own or any of its parts up to the actual cash value at the time of the collision and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either: (a) the actual cash value of; or (b) the cost to physically repair your motor vehicle or a motorcycle you do not own, whichever is less. The cost to physically repair is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation or betterment and for the physical condition of the property. We will, at our option: (a) repair; (b) repair or replace any parts of; or (c) declare a total loss of your motor vehicle or motorcycle you do not own. If the repair of a damaged part will impair the operational safety of said vehicle we will replace the part. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. We will not pay for damage to any motor vehicle which is owned or regularly used by you or a household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. We will not pay if an accident occurs while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. We will not pay if a motor vehicle is participating in an organized track event. A40MA (04-14) Page 11 of 21 Policy Change Page 39 of 70

15 OPTIONAL INSURANCE (CONTINUED) We will not pay for any liability assumed under any other contract or agreement. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your motor vehicle. We will not pay for damage to custom parts or equipment, other than a trailer, on your off-road vehicle. We will not pay for damage to your off-road vehicle if the damage does not affect the structure or safe operation of your off-road vehicle. We will not pay for a loss for an accident which occurs while your motor vehicle is being operated by a household member who is not listed as an operator of this policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on this policy because: 1. The household member would be classified as an inexperienced operator, or 2. More points would be assigned under a merit rating plan. You must notify us within 60 days after a person who will operate your motor vehicle becomes a household member if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your motor vehicle, becomes a licensed operator. The protection under this Part is not as broad as under Collision coverage but the premium is considerably less. We only pay under this Part for accidents involving multiple motor vehicles in which the driver of the motor vehicle we are covering was no more than 50% at fault. We will not pay if the owner of the other motor vehicle cannot be identified. After a claim under this Part, we are required to determine whether the driver of the motor vehicle we are covering was more than 50% at fault. We will notify you of our determination. As long as the driver of the motor vehicle covered under this Part was not more than 50% at fault, his or her percentage of fault will not affect the amount of our payment. We will consider the driver of the motor vehicle covered under this Part to be no more than 50% at fault if: 1. That motor vehicle was legally parked when struck by another motor vehicle. 2. That motor vehicle was struck in the rear by another motor vehicle moving in the same direction. 3. The operator of the other motor vehicle was convicted of certain violations listed in Massachusetts law or any similar law of another state in which the accident occurs. However, we will not pay if the operator of the motor vehicle covered under this Part was also convicted of one of the same violations. 4. That driver is entitled to recover in court against an identified person for some reason other than those listed above. If we pay for the total loss of your motor vehicle, we will suspend the Limited Collision Coverage for that motor vehicle until it passes a Motor Vehicle Inspection Test. If a temporary substitute or a motorcycle covered under this Part is not owned by you at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay, then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 9 COMPREHENSIVE Under this Part, we will pay for direct and accidental damage to or loss of your motor vehicle other than damage caused by collision. We will also pay for such damage or loss to a motorcycle used by you or a household member with the consent of the owner. We will pay the cost to physically repair your motor vehicle or a motorcycle you do not own or any of its parts up to the actual cash value at the time of loss and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either: (a) the actual cash value of; or A40MA (04-14) Page 12 of 21 Policy Change Page 40 of 70

16 OPTIONAL INSURANCE (CONTINUED) (b) the cost to physically repair your motor vehicle or a motorcycle you do not own, whichever is less. The cost to physically repair is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation or betterment and for the physical condition of the property. We will, at our option: (a) repair; (b) repair or replace parts of; or (c) declare a total loss of your motor vehicle or motorcycle you do not own. If the repair of a damaged part will impair the operational safety of said vehicle we will replace the part. We will reimburse you for substitute transportation expenses if your motor vehicle is stolen. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. Your deductible does not apply to glass breakage. Your deductible does not apply to substitute transportation expenses following a theft. We will not pay for such damage or loss to any motor vehicle which is owned or regularly used by you or a household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. We will not pay if an accident occurs while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. This Part is not a substitute for Collision (Part 7) or Limited Collision (Part 8). We will not pay if a motor vehicle is participating in an organized track event. We will not pay for any liability assumed under any other contract or agreement. We will not pay for damage to custom parts or equipment, other than a trailer, on your off-road vehicle. We will not pay for damage to your off-road vehicle if the damage does not affect the structure or safe operation of your off-road vehicle. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your motor vehicle. We consider glass breakage when not involving other collision loss, and the following types of losses to be Comprehensive and not Collision losses: losses caused by vandalism, fire and theft, missiles, falling objects, larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, riot or contact with a bird or animal. If your motor vehicle is stolen, you must report the theft to us and the police. We will reimburse you only for transportation expenses incurred after the first 48 hours following those reports. We will not pay for transportation expenses incurred prior to that time. After that, we will reimburse you up to $25 a day to a maximum of $750. Your right to reimbursement stops on the day your motor vehicle is located or before that time if we pay you for the theft loss. If you choose not to rent a motor vehicle, we will reimburse you up to the same amount for taxicab fares, bus fares and other transportation expenses. If your motor vehicle is found, we will pay the cost of transporting it to your last address shown on the Coverage Selections Page. However, our total payment for transporting your motor vehicle and for repairs will not be more than the actual cash value of your motor vehicle. If your motor vehicle is damaged by fire, you must report the loss to us and the fire department. Massachusetts law requires that if we pay for the total loss of your motor vehicle as a result of a fire or theft, we may suspend coverage for a fire or theft loss under this Part for any replacement motor vehicle unless it is made reasonably available for our inspection within two Registry of Motor Vehicles business days following the day you acquired it. We may also raise your deductible unless you install an approved anti-theft device in the replacement motor vehicle. If a temporary substitute or a motorcycle covered under this Part is not owned by you at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay. Then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage or loss not covered by that insurance less the deductible amount you selected. A40MA (04-14) Page 13 of 21 Policy Change Page 41 of 70

17 OPTIONAL INSURANCE (CONTINUED) ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 10 - EMERGENCY ROAD SERVICE If you have purchased Emergency Road Service for your motorcycle, we will pay reasonable expenses you or a household member incur, or other person using your motorcycle with your permission incurs, for: 1. Mechanical labor up to one hour at the place of breakdown; 2. Lockout services up to $100 per lockout if keys to the motor vehicle are lost or broken; 3. If it will not run, towing to the nearest repair facility where the necessary repairs can be made; 4. Towing it out if it is stuck on or immediately next to a public highway; and 5. Delivery of gas, oil, loaned battery, or change of tire. WE DO NOT PAY FOR THE COST OF THE GAS, OIL, LOANED BATTERY, OR TIRE(S). This coverage is not available for off-road vehicles. OBTAINING SERVICE UNDER THIS COVERAGE You may secure service under this Part in the following manner: SIGN AND DRIVE The first method, called "sign and drive", features a toll-free number in which the insured calls a GEICO Emergency Road Service representative who will dispatch a service vendor. Upon verification of Emergency Road Service (ERS) coverage, reasonable and necessary charges for covered services provided will be automatically billed to the Company by the service vendor. The insured need only sign a receipt at the time of service which authorizes the Company to directly pay the service vendor. Any additional mileage, other fees not specifically addressed above, or lockout services in excess of $100 will be at the insured s expense. HIRED SERVICES The second method occurs when the insured does not use the sign and drive feature described above and hires services without prior approval from the Emergency Road Service (ERS) Department. Upon verification of Emergency Road Service (ERS) coverage, an insured will be reimbursed for covered services provided, up to a limit of $50. Lockout services are limited to $100. Requests for reimbursement must be accompanied by an original itemized receipt and must be submitted within three years of service. There will be a limit of one reimbursement per disablement. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. PART 11 - BODILY INJURY CAUSED BY AN UNDERINSURED AUTO Sometimes an owner or operator of a motor vehicle legally responsible for an accident is underinsured. Under this Part, we will pay damages for bodily injury to people injured or killed as a result of certain accidents caused by someone who does not have enough insurance. We will only pay if the injured person is legally entitled to recover from the owners or the operators of all underinsured motor vehicles. Such injured person has a claim under this Part when the limits for motor vehicle bodily injury liability insurance covering the owners and operators of the legally responsible motor vehicles are: 1. Less than the limits shown for this Part on your Coverage Selections Page; and 2. Not sufficient to pay for the damages sustained by the injured person. A40MA (04-14) Page 14 of 21 Policy Change Page 42 of 70

18 OPTIONAL INSURANCE (CONTINUED) We will pay damages to or for: 1. You, while occupying your motor vehicle, while occupying a motorcycle you do not own, or if injured as a pedestrian. 2. Any household member, while occupying your motor vehicle, while occupying a motorcycle not owned by you, or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts motor vehicle policy of his or her own or who is covered by a Massachusetts motor vehicle policy of another household member providing underinsured motor vehicle insurance with higher limits. 3. Anyone else while occupying your motor vehicle. We will not pay damages to or for anyone else who has a Massachusetts motor vehicle policy of his or her own or who is covered by a Massachusetts motor vehicle policy of another household member providing underinsured motor vehicle coverage. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. Coverage for off-road vehicles under this Part only applies if the accident occurs on a public road. If you are injured while occupying your motor vehicle and you have two or more motor vehicles insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for the motor vehicle you are occupying when injured. If you are injured while occupying your motor vehicle and have two or more Massachusetts motor vehicle policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. If you are injured as a pedestrian or while occupying a motor vehicle you do not own and have two or more Massachusetts motor vehicle policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay to or for: 1. You, while occupying a motor vehicle you own unless a premium charge is shown for that motor vehicle on your Coverage Selections Page. 2. Anyone injured while occupying your motor vehicle while it is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in an expense reimbursement program either as a volunteer or at work. 3. Anyone injured while using a motor vehicle without the consent of the owner. 4. Anyone injured while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. 5. Any household member if struck by, or while occupying a motor vehicle owned by that household member which does not have Massachusetts compulsory motor vehicle insurance. 6. Anyone injured while a motor vehicle is participating in an organized track event. 7. Punitive or exemplary damages. We will reduce the damages an injured person is entitled to recover by: 1. The total amount collected from the motor vehicle bodily injury liability insurance covering the legally responsible owners and operators of all insured motor vehicles. 2. The amount recovered from any legally responsible person provided the injured person is fully compensated for his or her damages for bodily injury. 3. The amount paid under a workers compensation law or similar law. 4. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts motor vehicle policy. If only one person sustains bodily injury, we will pay any unpaid damages up to the difference between the total amount collected from the motor vehicle bodily injury liability insurance covering the legally responsible owners and operators of all insured motor vehicles and the per person limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to one or more persons as the result of bodily injury to any one person in any one accident. Subject to the per person limit, if two or more people sustain bodily injury and are entitled to coverage under this Part, we will pay any unpaid damages up to the difference between the motor vehicle bodily injury liability insurance per accident limit covering the legally responsible owners and operators and the per accident limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a A40MA (04-14) Page 15 of 21 Policy Change Page 43 of 70

19 OPTIONAL INSURANCE (CONTINUED) demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without our written consent. We will not, however, unreasonably withhold our consent. The limits of two or more motor vehicles or policies shall not be added together, combined or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of motor vehicles involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicate payments under the underinsured auto insurance of any other motor vehicle policy. This Part will not benefit any insurer or self-insurer under a workers compensation law or any similar law. ACTION AGAINST US No person alleging coverage under Part 11. Bodily Injury Caused By An Underinsured Auto may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 11. Bodily Injury Caused By An Underinsured Auto, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. If a person alleging coverage commences action against the owner or operator of an underinsured motor vehicle to recover damages for loss arising out of the accident and gives us written notice of such action within 30 days after such action is commenced, an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, may be brought after two years of the date the cause of action accrues, but in no event later than the earliest of the following to occur: A. Two years after entry of a final judgment or other court order terminating such lawsuit against the owner or operator of an underinsured motor vehicle; or B. Two years after we deny coverage. If any person alleging coverage sues a person believed responsible for the accident without our written consent, we are not bound by any resulting judgment. GENERAL PROVISIONS AND EXCLUSIONS This section of the policy contains general provisions which, unless otherwise noted, apply to all your coverages. It also describes some situations in which policy benefits will not be paid. 1. Where You Are Covered Compulsory Bodily Injury To Others (Part 1) only covers accidents in Massachusetts. All the other Parts provide coverage for accidents and losses which happen in the United States or Canada. We consider United States territories and possessions and Puerto Rico to be part of the United States. We will pay for accidents and losses which happen while your motor vehicle is being transported between ports of the United States and Canada. Your motor vehicle is not covered in any other country. 2. Our Duty To Defend You And Our Right To Settle We have the right to defend any lawsuit brought against anyone covered under this policy for damages which might be payable under this policy. We also have a duty to defend any such lawsuit, even if it is without merit, but our duty to defend ends when we tender, or pay to any claimant or to a court of competent jurisdiction, with the court s permission, the maximum limits of coverage under this policy. We may end our duty to defend at any time during the course of the lawsuit, by tendering, or paying the maximum limits of coverage under the policy, without the need for a judgment or settlement of the lawsuit or a release by the claimant. We have the right to settle any claim or lawsuit as we see fit. If any person covered under this policy settles a claim or has been awarded a judgment without our consent, we will not be bound by that settlement or judgment. 3. Additional Costs We Will Pay We will pay, in addition to the limits shown for Compulsory and Optional Bodily Injury To Others (Parts 1 and 5) and Damage To Someone Else s Property (Part 4): A. Premiums on appeal bonds and premiums on bonds to release attachments for an amount up to the applicable limits you selected in any suit we defend. B. Interest calculated on that part of a judgment that is within our limit of liability and accruing after judgment, and until we pay, offer to pay, or deposit in court, the amount due under this coverage. C. Up to $50 a day for loss of earnings, but not for loss of other income, to any person covered under this policy who attends hearings or trials at our request. D. Other reasonable expenses incurred at our request. A40MA (04-14) Page 16 of 21 Policy Change Page 44 of 70

20 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED ) 4. What Happens If You Die If you die, we will continue coverage for the period of this policy for: A. Your spouse, if a resident of your household at your death. B. Any legal representative to the extent he or she is responsible for maintenance or use of your motor vehicle. C. Any person having proper temporary custody of your motor vehicle. 5. Our Right To Be Repaid Sometimes we may make a payment under this policy to you or to someone else who has a separate legal right to recover damages from others. In that case, those legal rights may be exercised by us. Anyone receiving payment under those circumstances must do nothing to interfere with those rights. He or she must also do whatever is necessary to help us recover for ourselves up to the amount we have paid. If we then recover more than we paid, we will pay that person the excess, less his or her proportionate share of the costs of recovery, including reasonable attorneys fees. Any amount recovered, because of a payment we make under Part 3 or Part 11 of this policy shall first be applied to any unpaid damages due that person. Such unpaid damages must be a part of a claim settled with our consent or a part of a judgment resulting from a lawsuit brought with our written consent. Any balance then remaining shall be applied to the amounts we have paid under Part 3 or Part 11. We will reduce the amount we will pay that person by his or her proportionate share of the costs of recovery including reasonable attorneys fees. Sometimes you or someone else may recover money from the person legally responsible for an accident and also receive money from us for the same accident. If so, the amount we paid must be repaid to us to the extent that you or someone else recovers. If you or someone else recover money from the person legally responsible for the accident and also receive money from us for the same accident as a payment under Part 3 or Part 11 of this policy, we must be repaid for any amounts so paid but only to the extent that such recovery exceeds any unpaid damages due that person under a claim settled with our consent or judgment resulting from a lawsuit brought with our written consent. Whenever we are entitled to repayment from anyone, the amount owed us can be reduced by our proportionate share of the costs of recovering the money, including reasonable attorneys fees. In either case we do not have to be repaid for any money we have paid under Medical Payments (Part 6). 6. When You Have More Than One Policy With Us You may have more than one policy with us covering the same accident. In that case, the most we will pay is the highest amount payable under the applicable coverage in any one of those policies. However, claims made under Bodily Injury Caused By An Uninsured Auto (Part 3) and Bodily Injury Caused By An Underinsured Auto (Part 11) are treated differently. The difference is explained in the description of the coverage for these Parts. 7. If You Go Bankrupt Bankruptcy or insolvency of any person covered under this policy does not relieve us of any of our obligations under this policy. 8. We Do Not Pay For Nuclear Losses, War Losses, Or Terrorism We will not pay under Damage To Someone Else s Property (Part 4) and Optional Bodily Injury To Others (Part 5) for any person who is an insured under a nuclear energy liability policy or who would be an insured under such a policy had it not already exhausted its limits. We will not pay under any optional coverages (Parts 5, 6, 7, 8, 9, 10 and 11) for losses or damage caused by radioactive contamination or by acts of war, insurrection, rebellion, terrorism or revolution or any act incident to any of these. 9. We Do Not Pay For Ordinary Wear Or Tear We will not pay for damage to your motor vehicle which is due solely to ordinary wear and tear, freezing, mechanical or electrical failure, or for ordinary road damage to tires. We will, however, pay for this damage if it is the result of some other loss which is covered by this policy. 10. If We Pay For A Total Loss If we pay for the total loss of your motor vehicle, we have the right, if we so choose, to take title to that motor vehicle. We also have the right, if we so choose, to take any damaged part for which we pay. 11. Repair And Payment After A Collision Or Loss; If We Disagree On The Amount of Damage ( Parts 7, 8, 9) Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9), you must allow us to have the motor vehicle appraised after a collision or loss. If we have a direct payment plan approved by the Commissioner of A40MA (04-14) Page 17 of 21 Policy Change Page 45 of 70

21 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED ) Insurance, we will pay you in accordance with the appraisal and allow you to select a repair shop of your choice. If you choose not to have your motor vehicle repaired, or if we do not receive your Repair Certification Form, or, when requested, you do not make your motor vehicle available for reinspection within a reasonable period of time following repair, our payments automatically reduce the actual cash value of your motor vehicle if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. If you choose not to accept payment under our direct payment plan or we do not have such a plan, and you have your motor vehicle repaired in accordance with the appraisal, you must send us a Completed Work Claim Form. We must pay you within 7 days after receiving the form. If we fail to pay you within 7 days after receipt of the Completed Work Claim Form, you have the right to sue us. If a court decides that we were unreasonable in refusing to pay you on time, you are entitled to double the amount of damage plus costs and reasonable attorneys fees. If you request us to, we will pay the repair shop directly; however, the repair shop must certify that it meets certain requirements. If you choose not to have your motor vehicle repaired, or if we do not receive your Completed Work Claim Form, we will determine the amount of decrease in the actual cash value of your motor vehicle and pay you that amount less your deductible. Our payment automatically reduces the actual cash value of your motor vehicle if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. We have a right to inspect all repairs. Sometimes there may be a disagreement as to the amount of money we owe for losses or damage to a motor vehicle. If so, Massachusetts law provides for a method of settling the disagreement. Either you or we can, within 60 days after you file your proof of loss, demand in writing that appraisers be selected. The appraisers must then follow a procedure set by law to establish the amount of damage. Their decision will be binding on you and us. You and we must share the cost of the appraisal. 12. Sales Tax Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) we will pay, subject to your deductible, all sales taxes applicable to the loss of or damage to a motor vehicle. 13. Secured Lenders When your Coverage Selections Page shows that a lender has a secured interest in your motor vehicle, we will make payments under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) according to the legal interests of each party. The secured lender s right of payment will not be invalidated by your acts or neglect except that we will not pay if the loss of or damage to your motor vehicle is the result of conversion, embezzlement, or secretion by you or any household member. Also, we will not pay the secured lender if the loss of or damage to your motor vehicle is the result of arson, theft or any other means of disposal committed by you or at your direction. When we pay any secured lender we shall, to the extent of our payment, have the right to exercise any of the secured lender s legal rights of recovery. If you do not file a proof of loss as provided in this policy, the secured lender must do so within 30 days after the loss or damage becomes known to the secured lender. In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must be sent to the secured lender as provided in this policy. 14. No Benefits To Anyone In The Motor Vehicle Business Coverage under Optional Bodily Injury To Others, Medical Payments, Collision, Limited Collision, Comprehensive and Bodily Injury Caused By An Underinsured Auto (Parts 5, 6, 7, 8, 9, and 11) shall not in any way benefit any person or organization having possession of your motor vehicle for the purpose of servicing, repairing, parking, storing, or transporting it or for any similar purpose. 15. If Two Or More Motor Vehicles Are Insured Under This Policy Two or more motor vehicles may be insured under this policy. There may be different limits for each motor vehicle. If so, when someone covered under this policy is injured while a pedestrian, or is using a motor vehicle other than your motor vehicle at the time of the accident, the most we will pay under any applicable Part is the highest limit shown for that Part for any one motor vehicle on your Coverage Selections Page. 16. Trailers When a trailer is attached to a motor vehicle, we consider the motor vehicle and trailer together to be one motor vehicle in applying the limits shown on the Coverage Selections Page under Bodily Injury To Others, Damage To Someone Else s Property and Optional Bodily Injury To Others (Parts 1, 4 and 5). A40MA (04-14) Page 18 of 21 Policy Change Page 46 of 70

22 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED) 17. Premiums For Extensions Or Renewals The premium we will charge for any extension or renewal of this policy will be in accordance with our rates and rules in effect at the time of the effective date of the extension or renewal. 18. False Information If you or someone on your behalf gives us false, deceptive, misleading or incomplete information in any application or policy change request and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts of this policy. Such information includes the description and the place of garaging of the vehicles to be insured, the names of all household members and customary operators required to be listed and the answers given for all listed operators. We may also limit our payments to those amounts that we are required to sell under Part 3 and Part 4 of this policy. 19. Changes Which Affect Premium If the information contained in your application changes before this policy expires, we have the right to adjust your premium to reflect such changes. You must inform us of any changes which may have a material effect on your insurance coverage or premium charges, including but not limited to the description, ownership, type of usage and place of garaging of your motor vehicle; and the household members and individuals who customarily operate your motor vehicle. 20. Pre-Insurance Inspection Massachusetts law requires that we inspect certain motor vehicles before providing coverage for Collision, Limited Collision, or Comprehensive (Parts 7, 8 or 9). If inspection of your motor vehicle is required, it may be deferred in some cases for ten calendar days (not including legal holidays and Sundays), following the effective date of coverage, or the date on which the state approved Form B/pre-insurance inspection form was mailed, whichever is later. If you do not have your motor vehicle inspected within the time allowed, coverage for that motor vehicle will be automatically suspended. Your premium will be adjusted if the suspension lasts for more than ten days. 21. Assignment With respect to Collision (Part 7), Limited Collision (Part 8), and Comprehensive (Part 9) an assignment of interest under this policy will not bind us without our consent. Any nonconforming assignment shall be void and invalid. Moreover, the assignee shall acquire no rights under this contract and we shall not recognize any such assignment. This limitation upon assignment shall not affect our right to subrogation under this contract. 22. Choice Of Law The policy and any amendment(s) and endorsement(s) are to be interpreted pursuant to the laws of the state of Massachusetts. 23. Arbitration (Parts 1, 2, 4, 5, 6, 10, 11) Under Parts 1, 2, 4, 5, 6, 10, and 11, if any person making claim and we do not agree that such person is legally entitled to recover damages, or the amount of payment, then the person making claim and we may elect by mutual agreement at the time of the dispute to settle the matter by arbitration. Arbitration pursuant to this contract under Parts 1, 2, 4, 5, 6, 10, and 11 shall be subject to the following: 1. Each party will select an arbitrator and the two arbitrators so named will select a third arbitrator. Each party shall pay its own arbitrator, attorney fees, costs of arbitration, fees of experts and 50% of the third arbitrator s fees to the extent allowed by law; 2. No arbitrator shall have the authority to award punitive damages or attorney s fees; 3. Neither of the parties shall be entitled to arbitrate any claims or disputes in a representative capacity or as a member of a class; and 4. No arbitrator shall have the authority, without the mutual consent of the parties, to consolidate claims or disputes in arbitration. If such arbitrators are not selected within 45 days of such request, either party may request that the matter be submitted for arbitration to the American Arbitration Association. Judgment upon the award rendered by the arbitrators may be entered in any court having jurisdiction thereof. Unless both parties agree otherwise, arbitration will take place in the county and state in which the person making claim lives. A40MA (04-14) Page 19 of 21 Policy Change Page 47 of 70

23 CANCELLATION AND RENEWAL CANCELLATION Cancellation of this policy is something you should ordinarily have no reason to worry about. You can cancel any of the Optional Insurance Parts at any time. Because all of the Compulsory Insurance Parts are required, you cannot cancel any of them separately. You can, of course, cancel all of the Compulsory Insurance Parts by giving us written notice. We can cancel all of any part of this policy including your Compulsory Insurance if: 1. You have not paid your premium on this policy; 2. We find that you were responsible for fraud or material misrepresentation when you applied for this policy or any extension or renewal of it; 3. There is a suspension or revocation during the policy period of the operator s license or motor vehicle registration of you or any other person residing in the same household as you and who usually operates a motor vehicle insured under the policy; 4. You fail to comply with a request for a motor vehicle safety inspection test for a vehicle that was previously totaled in a prior accident; or 5. You fail to complete and furnish us with a renewal application on a form prescribed by the Commissioner at least 30 days before the expiration of the previous policy period. If the driver s license or motor vehicle registration of anyone residing in your household who usually operates your motor vehicle has been under suspension or revocation during the policy period, we may suspend coverage for that person under any of the Optional Insurance Parts of the policy. We may also reduce the limits available for that person under Bodily Injury Caused By An Uninsured Auto and Damage To Someone Else s Property (Parts 3 and 4) to the minimum limits we are required to sell. We can cancel Emergency Road Service (Part 10) for reasons other than those listed above if we do so within the first 90 days of the policy period. We can cancel, for reasons other than those listed above if we do so within the first 90 days of the policy period, coverage limits which are higher than the limits we are required by law to sell you and any coverages designed to reduce the deductibles set by law. AUTOMATIC TERMINATION Massachusetts law provides that your policy automatically terminates and a Notice of Cancellation will not be sent to you when: 1. You return the registration plates for your motor vehicle to the Registry of Motor Vehicles. 2. You purchase a new policy with another company covering your motor vehicle and a new Certificate of Insurance is filed with the Registry of Motor Vehicles. 3. You transfer title to your motor vehicle, and you do not register another motor vehicle. However, if more than one motor vehicle is described on the Coverage Selections Page, the termination of coverage applies only to the motor vehicle involved in any of the situations described above. LEGAL NOTICE REQUIREMENT Any notice of cancellation will be sent to you at your last address shown on the Coverage Selections Page at least 20 days prior to the effective date. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service will be considered sufficient notice. In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must also be sent to the secured lender in a similar manner. If we cancel this policy in its entirety, the cancellation is not effective unless we send the required notice to the Registry of Motor Vehicles. If the policy is cancelled, the amount of your refund will be determined by a pro-rata calculation based on the number of days the policy was in effect. No refund of premium will be sent to you upon cancellation of the policy until we receive a receipt showing that the registration plates assigned to the insured motor vehicle have been returned to the Registry of Motor Vehicles or other document showing that you have replaced the insurance required by law. If you think that we have cancelled your policy illegally, you can appeal our decision. Your cancellation notice will explain how to appeal. RENEWAL If we decide not to renew this policy or any of its Parts, we must mail our notice to you at your last address shown on the Coverage Selections Page at least 45 days before your policy runs out. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service will be considered sufficient notice. If we require a renewal application, and you fail to complete and return it to us within the specified time, we then have the right to cancel the renewal policy. A40MA (04-14) Page 20 of 21 Policy Change Page 48 of 70

24 WHEN THERE IS AN ACCIDENT OR LOSS First, Help Any Injured Person Call an ambulance or the police, and of course, cooperate with them. Do whatever is reasonable to protect the motor vehicle from further damage or loss. We will pay for any reasonable expenses incurred in doing this. Second, Notify The Police, Registry Or Fire Department Under Massachusetts law, notice to the local or state police and the Registry of Motor Vehicles is required within 5 days if there is anyone injured in an accident, no matter how slight the injury, or if there is reason to believe that there has been over $1,000 in total property damage. Within 24 hours, notify both the police and us if your motor vehicle is stolen or if you have been involved in a hit-and-run accident. You must report a fire loss to the fire department. The notice to the police or the fire department must be on the form required by law. Third, File The Claim With Us We do not know about accidents or losses until you or someone else notifies us. We must be notified promptly of the accident or loss by you or someone on your behalf. The notification should include as many details as possible, including names and addresses of drivers, injured persons and witnesses. If you or any person seeking payment under this policy fail to notify us promptly of any accident or claim under Parts 2, 3, 6, or 11 of this policy, we may not be required to pay claims under any of these parts. If you are filing a claim for damage to your motor vehicle, you or someone on your behalf must file a proof of loss within 91 days after the accident. Fourth, Cooperate With Us After an accident or loss, you or anyone else covered under this policy must cooperate with us in the investigation, settlement and defense of any claim or lawsuit. We must be sent copies of all legal documents in connection with the accident or loss. We may also require you and any person seeking payment under any part of this policy to submit to an examination under oath at a place designated by us, within a reasonable time after we are notified of the claim. If anyone makes a claim or seeks payment under Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Medical Payments, or Bodily Injury Caused By An Underinsured Auto (Parts 2, 3, 6 or 11), we have a right to require that person to be examined by doctors selected by us. If anyone seeks continuing payments under any of these Parts, we may also require additional examinations at reasonable intervals. We will pay for these examinations. We must also be authorized to obtain medical reports and other records pertinent to the claim. Failure to cooperate with us may result in the denial of the claim. W. C. E. Robinson Secretary William E. Roberts President Remember: Defensive Driving Can Save Your Life And Your Money A40MA (04-14) Page 21 of 21 Policy Change Page 49 of 70

25 Tel: Coverage Selections Page This is a description of your coverage. Please retain for your records. Date Issued: Item 1: Policy Number: Coverage Period: through Based on local time at the address of the named insured, your coverage began at the later of 12:01am on - -, or when initial payment was received, and will expire at 12:01am on - -. Your coverage begins and ends at 12:01am local time at the address of the named insured. 12:01 a.m.local time at the address of the named insured. Address: Named Insured Additional Drivers Vehicle VIN Vehicle Location Finance Company/ Lienholder Coverages* Limits and/or Deductibles Vehicle 1 Twelve Month Premium Per Vehicle Total Twelve Month Premium * Coverage applies where a premium or $0.00 is shown for a vehicle. If you elect to pay your premium in installments, you may be subject to an additional fee for each installment. The fee amount will be shown on your billing statements and is subject to change. DEC_PAGE (03-14) (Page of ) Continued on Back

26 Discounts The total value of your discounts is Contract Type: Contract Amendments: : Countersigned by Authorized Representative: Important Policy Information DEC_PAGE (03-14) (Page of )

27 Named Insured (Operator 1) APPLICATION FOR MASSACHUSETTS MOTOR VEHICLE INSURANCE First Name Last Name MI Date of Birth Marital Status Gender Date 1st licensed in US or Canada International driving experience must be verified with Date 1st internationally licensed an original abstract, with a notarized translation into English and a Copy of the license Driver License/Learner's Permit State and Number How many total years have you owned and operated a street legal motorcycle? If you have had a license in another state in the last 6 years please list in the additional information section below Do you have an active motorcycle endorsement? Have you completed a Motorcycle Safety Foundation Course? Is your current auto license active? Do you teach the Motorcycle Safety Foundation Course? Street Address If "yes" what is the expiration date of MSF instructor certificate. Phone Number ( ) - City State ZIP Code Operator 2 First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Marital Status Gender Date 1st licensed in US or Canada International driving experience must be verified Date 1st internationally licensed with an original abstract, with a notarized translation into English and a Copy of the license Driver License/ Learner's Permit State and Number How many total years has Operator 2 owned and operated a street legal motorcycle? If you have had a license in another state in the last 6 years please list in the additional information section below Do you have an active motorcycle endorsement? Has Operator 2 completed a Motorcycle Safety Foundation Course? Is your current auto license active? Does Operator 2 teach the Motorcycle Safety Foundation Course? If "yes" what is the expiration date of MSF instructor certificate. Operator 3 First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Marital Status Gender Date 1st licensed in US or Canada International driving experience must be verified Date 1st internationally licensed with an original abstract, with a notarized translation into English and a Copy of the license Driver License/ Learner's Permit State and Number How many total years has Operator 3 owned and operated a street legal motorcycle? If you have had a license in another state in the last 6 years please list in the additional information section below Do you have an active motorcycle endorsement? Has Operator 3 completed a Motorcycle Safety Foundation Course? Is your current auto license active? Does Operator 3 teach the Motorcycle Safety Foundation Course? If "yes" what is the expiration date of MSF instructor certificate. DP5MA (04-14) Page 1 of 5 Retention #:

28 Operator 4 First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Marital Status Gender Date 1st licensed in US or Canada International driving experience must be verified Date 1st internationally licensed with an original abstract, with a notarized translation into English and a Copy of the license Driver License/ Learner's Permit State and Number How many total years has Operator 4 owned and operated a street legal motorcycle? Has Operator 4 completed a Motorcycle Safety Foundation Course? Does Operator 4 teach the Motorcycle Safety Foundation Course? Do you have an active motorcycle endorsement? If you have had a license in another state in the last 6 years please list in the additional information section below Is your current auto license active? If "yes" what is the expiration date of MSF instructor certificate. Check carefully that all operators of your vehicle(s) are shown. Your failure to list any individual who customarily operates our vehicle may have very serious consequences. Please List any additional operators in the additional information section. Vehicle 1 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Vehicle 2 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Vehicle 3 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State DP5MA (04-14) Page 2 of 5 Retention #:

29 Vehicle 4 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Please include any additional vehicles in the additional information section Operator to vehicle assignment Please assign an operator number to the vehicle that they drive most often Vehicle 1 Vehicle 2 Vehicle 3 Vehicle 4 Operator Number If any vehicle is not kept at the address above please indicate the address where it is garaged in the additional information section. Accidents within the last 6 years Operator Number Loss Date At-fault? (Y/N) Violation Given? (Y/N) Vehicle Type (motorcycle, private passenger, other) Total Damage Other's Injury $ $ $ $ $ $ $ $ $ $ Convictions in the last 6 years, DUIs in the last 10 years Operator Number Date of Violation Date of Conviction Description Please include any additional accidents, convictions or DUIs in the additional information section Current Insurance Do you currently have motorcycle insurance? Company and expirations date? If you answered "no" above circle which applies: a) It has been expired 30 days or less b) It has been expired over 30 days c) This is the first motorcycle I've owned d) I've owned a motorcycle previously and am starting to ride again Discounts Do you have any other GEICO policies? If "yes" list DP5MA (04-14) Page 3 of 5 Retention #:

30 Coverage Selections Coverage Limits (M denotes 1000) Compulsory Coverage (circle desired limits) 1. Bodily Injury To Others Limits 2. Personal Injury Protection Limits 20/40 M The minimum coverage in Massachusetts for bodily injury is 20,000/40,000 compulsory. This does not provide protection: 1) if the accident occurs outside of Massachusetts 2) places in Massachusetts restricted from the public 3) for injuries to guest passengers of your auto 8 M Optional Bodily Injury is available and may better cover these exposures 3. Bodily Injury Caused By An Uninsured Auto Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 200/400 M 250/500 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 4. Damage To Someone Else's Property Limits (per accident) 5 M 15 M 25 M 35 M 50 M 100 M 10 M 20 M Optional Coverage (circle desired limits or deductibles) 5. Bodily Injury To Others Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 200/400 M 250/500 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 6. Medical Payments Limits M 2 M 5 M 10 M 7. Collision Deductible (circle desired amount) Waiver* Vehicle W Vehicle W Vehicle W Vehicle W *The deductible may be waived for losses less than 51% at-fault by circling the "w" for the desired vehicle 8. Limited Collision** Deductible (circle desired amount) Vehicle 1 Non Vehicle 2 Non Vehicle 3 Non Vehicle 4 Non **If your vehicle is leased or financed you must carry standard collision. In addition, the vehicle cannot carry Collision and Limited Collision on the same vehicle. DP5MA (04-14) Page 4 of 5 Retention #:

31 9. Comprehensive Deductible (circle desired amount) Vehicle Vehicle Vehicle Vehicle Emergency Road Service Vehicle 1 ACCEPT DECLINE Vehicle 2 Vehicle 3 Vehicle 4 ACCEPT ACCEPT ACCEPT DECLINE DECLINE DECLINE 11. Bodily Injury Caused By An Underinsured Auto Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 200/400 M 250/500 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M Additional Information Please use this section to include any information that would not fit above or that you think may be pertinent to your application for insurance. What date would you like your policy to begin? You must notify us of changes that have occurred prior to the renewal of this policy and during the policy period. It is a crime to knowingly provide false or fraudulent information for the purpose of defrauding an insurance company. If you or someone else on your behalf has knowingly given us false, deceptive, misleading or incomplete information and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts and we may cancel your policy. Such information includes the description and the place of garaging of the vehicles(s) to be insured, the names of all customary operators are required to be listed and the answers have correctly given above for all listed operators. We may also limit our payments under Part 3 and Part 4. Check to make certain that you have correctly listed all operators and the completeness of their previous driving records. IMPORTANT NOTICE ABOUT PERSONAL INJURY PROTECTION: THE COVERAGE PROVIDED DOES NOT INCLUDE PERSONAL INJURY PROTECTION FOR OWNERS, OPERATORS OR GUESTS OF MOTORCYCLES OR OFF-ROAD VEHICLES WHO SUFFER BODILY INJURY WHILE OPERATING OR RIDING AS A GUEST UPON SUCH VEHICLES. Declarations and Signature I DECLARE THAT ALL THE STATEMENTS CONTAINED IN THIS APPLICATION ARE COMPLETE AND TRUE TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ALL INFORMATION MAY BE VERIFIED WITH OTHER INSURANCE COMPANIES AND GOVERNMENT AGENCIES. Signature of applicant Date DP5MA (04-14) Page 5 of 5 Retention #:

32 GEICO DRIVER LICENSE INFORMATION IMPORTANT - PLEASE RETURN THIS FORM We, like most other insurers, customarily check the motor vehicle records of drivers to verify their accident and violation records. We ask that you complete the driver information below and return it to us. NAMED DRIVER UNDER THIS POLICY (Name as it appears on Driver s License) DATE OF BIRTH DRIVER S LICENSE # STATE OF ISSUANCE DATE OF ISSUANCE Signature of Applicant or Insured Date Policy No.: * * *M240MA* M-240-MA (05-09)

33 Motor Vehicle Policy Endorsement Policy Number: Effective Date: USE RESTRICTION - PREMIUM REDUCTION ENDORSEMENT The Policy Number and Effective Date need be completed only when this endorsement is issued subsequent to preparation of the policy. We agree with you that if: 1. The motor vehicle is placed in storage for a period of more than 30 days, and 2. You do not use or give your permission for any other person to use the motor vehicle, except for maintenance and testing of the motor vehicle at the place of storage, the premiums, except for Comprehensive, will be reduced after removal of this endorsement. Removal of this endorsement can be effective immediately upon your notification to us. You will then be entitled to an adjustment of premium based on the period of storage. Premium reduction will not discount the policy beyond the applicable minimum premium amount. If there is an occurrence during the period this endorsement is in effect which violates condition 2. above, you will not be entitled to the reduction in premium. This endorsement forms a part of your policy. It is effective at 12:01 A.M. standard time at your address on the effective date shown above. PS115MC (04-14)

34 Motor Vehicle Policy Endorsement Motorcycle Custom Parts or Equipment Policy Number: Endorsement Effective Date: (The information above is required only when this endorsement is prepared after the policy is issued.) We agree that: (a) In consideration of the payment of additional premium; and (b) Subject to the deductibles and limits of liability shown in the Coverage Selections Page for the coverages insured this policy is extended to cover custom parts or equipment that are permanently added to or replace standard factory provided parts or equipment of your motor vehicle in excess of $2000. Any loss paid shall be based on the actual cash value at the time of the loss. We will not pay an amount greater than the limit shown in the Coverage Selections Page. Description of Motor vehicle: Year Make Model VIN Customization Range All other terms and provisions of the policy remain unchanged. This endorsement forms a part of the above captioned policy issued by the Company. It is effective as of 12:01 A.M. Standard Time on the effective date of the endorsement. PS18MC (04-14)

35 GEICO Indemnity Company One GEICO Plaza, Washington, DC, NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM * CANC00306* As of 12:01 a.m. local time Apr your policy will cancel due to nonpayment of your premium. Keep your policy active by submitting a payment of the past-due amount $31.45 prior to the cancellation effective date. The policy will not be cancelled if you pay the full past-due amount before the cancellation date. All payments are subject to normal collection and will be applied to the oldest debt on the policy. Note: A partial payment will not void this cancellation notice. Please submit a payment immediately to prevent the cancellation of your policy. Due Payment Schedule Amount PAST DUE $ Pay now using one of these methods: * Log in to mypolicy.geico.com -- the fastest and easiest way to maintain coverage and avoid a lapse in your insurance protection. * Call to use our automated PhonePay system. Have your checking account information handy. * Mail your payment. It must be postmarked before the cancellation date to avoid a lapse. Checks should be made payable to GEICO. If your payment and this notice have crossed in the mail, please disregard this notice and accept our thanks. If you have not sent in your payment, please do so now. You may also track the status of your payment(s) at any time on mypolicy.geico.com. Remember -- Your payment must be made by the above mentioned date and time to ensure continuous coverage. Thank you for your business. We look forward to continuing to serve your insurance needs for years to come. Remember - Your last full day of coverage is the day immediately before the cancellation date. We look forward to continuing to serve your insurance needs. If you have questions or a problem, don't hesitate to call us toll-free at Please detach and return the bottom portion with your payment made payable to GEICO in the enclosed envelope. Pol. #: Pol. #: NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM Notice Date: Apr Canc. Date: Apr Current Balance T E S T C A S E T E S T C A S E T E S T C A S E TEST CASEFOUR 1 TEST ST AMHERST MA $ $ * * ONE GEICO PLAZA Bethesda, MD U44MADPMC (04-14) Page 1 of

36 IMPORTANT NOTICE TO POLICYHOLDERS: Please read carefully the information below which outlines your legal rights relative to this cancellation. INFORMATION ABOUT MINIMUM INSURANCE REQUIREMENTS Massachusetts law requires that every motor vehicle registered in Massachusetts carry minimum motor vehicle liability insurance. The Registrar of Motor Vehicles will revoke your registration and license plates on the effective date of cancellation shown in this notice unless: 1. We reinstate your required minimum motor vehicle insurance; or 2. Before the date of cancellation shown in this notice you obtain minimum motor vehicle insurance from another insurance company. The new company must notify the Registrar before the date of cancellation in this notice that it has insured your motor vehicle. If you are unable to obtain motor vehicle insurance from another insurance company, you may be eligible to obtain motor vehicle insurance through the Massachusetts residual market plan. Almost all insurance agents and all insurance companies are authorized to help you apply for motor vehicle insurance through the plan. If you apply for motor vehicle insurance through the plan, you will not be able to choose an insurer, but you will be assigned to an insurance company. In some cases, you may not be able to obtain coverage through the plan that is identical to the coverage that was not renewed; or 3. Before the effective date of the cancellation shown in this notice you file with the Commissioner of Insurance a written complaint on a form prescribed and furnished by the Commissioner of Insurance. The form is available on the Division of Insurance website by searching "Cancellation Appeal Form" at or can be obtained by calling the Division's Consumer Service Section at Unless one of the three above actions occurs, the registration for your motor vehicle will be revoked on the effective date of cancellation shown in this notice. U44MADPMC (04-14) Page 2 of 2 Paying by check authorizes GEICO to send your check information electronically to your bank. Your account may be debited the same day we receive your payment. You will not receive your cancelled check, however the transaction will appear on your bank statement. If we cannot post the transaction electronically, we may present a copy of your check for payment.

37 Certificate of Insurance Named Insured and Address: Date of Certificate: Policy Number: Policy Period: to (12:01 A.M. Local Time) (12:01 A.M. Local Time) Name and Address: (This Certificate of Insurance does not amend, extend, or alter the coverage afforded by this policy.) During the term of coverages provided, the Company and the insured shall be bound by the provisions of the policy (or policies) of insurance in current use by the Company in the state. This is to certify that the above captioned policy includes the limits specified herein for each person and for each occurrence under Bodily Injury To Others (Part 1); the limits specified herein for each person and for each occurrence under Optional Bodily Injury To Others (Part 5); the limits specified herein for each occurrence under Damage To Someone Else's Property (Part 4); and limits specified herein for each person and for each occurrence for Bodily Injury Caused By An Uninsured Auto (Part 3). Description of Vehicle: COVERAGE LIMITS OF COVERAGE Bodily Injury To Others (Part 1) $ 20 M and $ 40 M (Each Person) (Each Occurrence) Personal Injury Protection (Part 2) Optional Bodily Injury To Others (Part 5) Damage To Someone Else's Property (Part 4) Bodily Injury Caused By An Uninsured Auto (Part 3) $8,000 Each Person $ M and $ M (Each Person) (Each Occurrence) $ M (Each Occurrence) $ M and $ M (Each Person) (Each Occurrence) INTERESTED PARTY If we cancel this policy, a notice of cancellation will be sent to the Interested Party. U99MA (04-14)

38 Motor Vehicle Policy Amendment Suspension Of Coverage Massachusetts GOVERNMENT EMPLOYEES INSURANCE COMPANY Policy Number: Effective Date: The Policy Number and Effective Date need be completed only when this endorsement is issued subsequent to preparation of the policy. It is agreed that, as of the effective date, this policy is suspended for the coverages and motor vehicles indicated by (X) in the Schedule below: SCHEDULE Coverage Bodily Injury To Others Optional Bodily Injury To Others Personal Injury Protection Bodily Injury Caused By An Uninsured Auto Bodily Injury Caused By An Underinsured Auto Damage To Someone Else's Property Medical Payments Collision Limited Collision Comprehensive Emergency Road Service All Insured Vehicles ( ( ( ( ( ( ( ( ( ( ( ) ) ) ) ) ) ) ) ) ) ) Vehicles Designated Below ( ( ( ( ( ( ( ( ( ( ( ) ) ) ) ) ) ) ) ) ) ) Designation of Motor Vehicles: JT2BK12U This endorsement forms a part of your policy and is effective at 12:01 A.M. local time at your address on the effective date shown above. UE11MAMC (04-14) New Policy Page 5 of 12

39 Motor Vehicle Policy Amendment Reinstatement Of Coverage Massachusetts GOVERNMENT EMPLOYEES INSURANCE COMPANY Policy Number: Effective Date: The Policy Number and Effective Date need be completed only when this endorsement is issued subsequent to preparation of the policy. It is agreed that suspended coverages are reinstated as indicated by (X) in the Schedule below: SCHEDULE Coverage Bodily Injury To Others Optional Bodily Injury To Others Personal Injury Protection Bodily Injury Caused By An Uninsured Auto Bodily Injury Caused By An Underinsured Auto Damage To Someone Else's Property Medical Payments Collision Limited Collision Comprehensive Emergency Road Service All Insured Vehicles ( ( ( ( ( ( ( ( ( ( ( ) ) ) ) ) ) ) ) ) ) ) Vehicles Designated Below ( ( ( ( ( ( ( ( ( ( ( ) ) ) ) ) ) ) ) ) ) ) Designation of Motor Vehicles: JT2BK12U This endorsement forms a part of your policy. It is effective at 12:01 A.M. local time at your address on the effective date shown above. UE12MAMC (04-14) New Policy Page 11 of 12

40 GOVERNMENT EMPLOYEES INSURANCE COMPANY Policy Number: Motor Vehicle Policy Endorsement Suspension of Coverage and Reduction of Limits Massachusetts (MPY-0032-S Ed ) If the driver's license or motor vehicle registration for you or anyone residing in your household who usually operates your motor vehicle has been under suspension or revocation during the policy period, or the driver's license is not valid, the coverage provided under any of the Optional Insurance Parts of the policy which you have purchased, is suspended while that person is operating any motor vehicle. We are also reducing the limits available for that person under Bodily Injury Caused By An Uninsured Auto (Part 3) and Damage To Someone Else's Property (Part 4) to the minimum limits we are required to sell. This endorsement is effective: This endorsement will remain in effect while the person's driver's license or motor vehicle registration is under suspension or revocation, or the driver's license is not valid. NAME of individual whose driver's license or motor vehicle registration is under suspension or revocation, or who does not have a valid license. (Policyholder's Signature) (Date) [The company has the option of obtaining the signature of the policyholder on this endorsement or sending this endorsement at least 20 days prior to the effective date of the suspension of coverage.] UE147MC (04-14) New Policy Page 6 of 10

41 GEICO Policy Number: Policy Endorsement Trust Endorsement Massachusetts (M-0107-S Ed. January 1, 2006) Item 2 of the Definitions includes the trust listed below if the grantor of the trust is an individual or lawfully married individuals residing in the same household, and is the only insured named in Item 1 of the Coverage Selections Page. Name of Trust UE-164MC (04-14)

42 Motor Vehicle Policy Endorsement GOVERNMENT EMPLOYEES INSURANCE COMPANY Policy Number: Waiver of Deductible Massachusetts (MPY-0016-S Ed ) The deductible amount shown on the Coverage Selections Page for Collision (Part 7) does not apply to any motor vehicle to which this endorsement applies as shown on the Coverage Selections Page if: 1. The motor vehicle was legally parked when struck by another motor vehicle owned by an identified person. 2. The motor vehicle was struck in the rear by another auto moving in the same direction and owned by an identified person. 3. The operator of the other auto was convicted of any of the following violations: a. Operating under the influence of alcohol, marijuana, or a narcotic drug. b. Driving the wrong way on a one-way street. c. Operating at an excessive rate of speed. d. Any similar violation of any similar law of another state in which the accident occurs. However, we will not pay if the operator of the motor vehicle covered under this Part was also convicted of one of the above violations. 4. You are entitled to recover in court against an identified person for some reason other than those listed above. Description of Motor vehicle(s): JT2BK12U Premium: $ UE165MC (04-14) New Policy Page 8 of 10

43 Policy Number: Effective Date: Motor Vehicle Policy Amendment Loss Payable Clause Massachusetts Any loss or claim payable under the Collision, Limited Collision, or Comprehensive Coverage of the policy will be paid jointly to the insured and the Lienholder on the Coverage Selections Page. The Lienholder must notify us if he becomes aware of any increased hazard or change of ownership of the motor vehicle or he will lose all of his rights under this policy. The Loss Payee or Lienholder's interest will not be protected when a loss is caused by the insured's participation in or preparing for any prearranged or organized racing, speed, or demolition contest or stunting activity or the insured's participation in an organized track event. Where fraud, misrepresentation, material omission, or intentional damage has knowingly been committed by or at the direction of the insured, the Loss Payee or Lienholder's interest will not be protected. If the insured fails to file with us a Proof of Loss within 91 days after the loss, the Lienholder must do so within the following 30 days. The policy provisions on time of payment, appraisal and the right to sue us applies both to the Lienholder and the insured. We may settle a claim at our option by separate payment to the insured and the Lienholder. If the vehicle(s) described on the Coverage Selections Page is abandoned or repossessed by the Loss Payee or Lienholder after a loss covered under Collision, Limited Collision or Comprehensive Coverages, the deductible applicable to any payment to the Loss Payee or Lienholder for its interest shall be no more than $500. Whenever we pay the Lienholder, we shall be subrogated to the Lienholder's rights of recovery to the extent of the payment. If the policy is in effect as to the Lienholder but has been cancelled as to the insured, the Lienholder must assign the loan to us if we ask and we pay the full amount due. If we cancel this policy, a notice of cancellation will be sent to the Lienholder. This endorsement forms a part of your policy. It is effective at 12:01 A.M. local time at your address on the effective date shown above. RETAIN THIS COPY FOR YOUR RECORDS UE316MA (04-14) New Policy Page 3 of 4

44 [fullname] [mailingadd] POST OFFICE RECEIPT SECURED DATE: [maildate] CANCELLATION NOTICE POLICY NUMBER: [number] Dear [salutation]: Every insurance company uses certain standards, together with technical experience and judgment, to determine whether or not it can continue to insure each policyholder. After a careful study of your individual case, we find that we are unable to continue your insurance policy and must notify you as follows: THE INSURANCE PROVIDED BY [CMPNY] UNDER YOUR POLICY AS NUMBERED ABOVE IS HEREBY TERMINATED AS OF 12:01 A.M. ON [CANCELDATE]. Please see next page for our specific reason(s). We are sorry to take this action and urge you to obtain other insurance to be effective as of the termination date of your policy as indicated above. A refund of unearned premium will follow if any refund is due. Sincerely, [uwname] UNDERWRITING DEPARTMENT 1345 Perimeter Parkway Virginia Beach, VA [encl] IMPORTANT NOTICE TO POLICYHOLDERS: Please read carefully the information below which outlines your legal rights relative to this cancellation. INFORMATION ABOUT MINIMUM INSURANCE REQUIREMENTS Massachusetts law requires that every motor vehicle registered in Massachusetts carry minimum motor vehicle liability insurance. The Registrar of Motor Vehicles will revoke your registration and license plates on the effective date of cancellation shown in this notice unless: 1. We reinstate your required minimum motor vehicle insurance; or 2. Before the date of cancellation shown in this notice you obtain minimum motor vehicle insurance from another insurance company. The new insurance company must notify the Registrar before the date of cancellation in this notice that it has insured your motor vehicle. If you are unable to obtain motor vehicle insurance from another insurance company, you may be eligible to obtain motor vehicle insurance through the Massachusetts residual market plan. Almost all insurance agents and all insurance companies are authorized to help you apply for motor vehicle insurance through the plan. If you apply for motor vehicle insurance through the plan, you will not be able to choose an insurer, but you will be assigned to an insurance company. In some cases, you may not be able to obtain coverage through the plan that is identical to the coverage that was not renewed; or 3. Before the effective date of cancellation shown in this notice you file with the Commissioner of Insurance a written complaint on a form prescribed and furnished by the Commissioner of Insurance. The form is available on the Division of Insurance website by searching Cancellation Appeal Form at or can be obtained by calling the Division s Consumer Service Section at Unless one of the three above actions occurs, the registration for your motor vehicle will be revoked on the effective date of cancellation shown in this notice. UL15MAPS (12-13) PLEASE SEE REVERSE SIDE

45 This action has been taken for the following specific reason(s): Fraud or a material misrepresentation in the application for insurance or renewal thereof. ~OR~ The operator s license or motor vehicle registration of the named insured or of any other person who resides in the same household as the named insured and who usually operates a motor vehicle insured under the policy has been under suspension or revocation during the policy period. The specific information relied upon to make this decision is: [drivingrec]

46 POST OFFICE RECEIPT SECURED [maildate] [fullname] [mailingadd] Policy Number: [number] Company: [cmpny] Dear [salutation]: Your financial institution has not honored the payment that you recently submitted to [reissue] your Massachusetts Motor Vehicle Insurance policy. All payments are subject to normal collection. Since your payment was not honored, there was no consideration (valid payment) and the requirements under which your insurance policy was [issued] were not satisfied. Accordingly, you are hereby notified: WE HEREBY DECLARE THE ABOVE CAPTIONED POLICY NULL AND VOID, AND OF NO EFFECT AS OF ITS INCEPTION DATE. NO INSURANCE COVERAGE IS NOW IN EFFECT, NOR HAS IT EVER BEEN IN EFFECT. Any subsequent payment which you may have submitted, prior to or after this letter, will be refunded. Sincerely, [uwname] Underwriting Department [encl] VUND62MA (12-13)

47 GEICO INDEMNITY - MOTORCYCLE Territories & Territory Groups MASSACHUSETTS New Business Effective: E 10/02/2014 Territory Territory Group Page 1

48 GEICO INDEMNITY - MOTORCYCLE Base Rates MASSACHUSETTS New Business Effective: E 10/02/2014 Territory Group BI PD Med Pay PIP UM UIM COMP COLL LTD COLL ERS Limit/Ded 20/40 5M 500 8M 20/40 20/ Page 2

49 GEICO INDEMNITY - MOTORCYCLE Underwriting Program MASSACHUSETTS New Business Effective: E 10/02/2014 Underwriting Factor Tier Page 3

50 GEICO INDEMNITY - MOTORCYCLE Driving Experience Factors MASSACHUSETTS New Business Effective: E 10/02/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists *** OOR = Minimum Years a Motorcycle has been Owned, Operated, and Registered. BI PD MP PIP *COLL COMP **UM ***OOR Auto Years Licensed Page 4

51 GEICO INDEMNITY - MOTORCYCLE Increased Limits and Deductibles MASSACHUSETTS New Business Effective: E 10/02/2014 Full Name Amount Factor Bodily Injury 20/40 Compulsory /40 Optional / / / / / / / / / / / Property Damage 5M M M M M M M M 1.32 Medical Payments M M M M 7.50 PIP Non-Deductible 1.00 Uninsured Motorists 20/ / / / / / / / / / / / Underinsured Motorists 20/ / / / / / / / / / / / Comprehensive M 0.68 Collision M /W /W M/W 0.61 Limited Collision Non-Deductible M 0.53 Page 5

52 GEICO INDEMNITY - MOTORCYCLE Vehicle Category MASSACHUSETTS New Business Effective: E 10/02/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Vehicle Category Vehicle Category Name Coverage Code BI PD Med Pay **UM COMP *COLL 0 High Perf B, cc High Perf B, cc High Perf B, cc High Perf B, 951+ cc Utility ATV, cc Utility ATV, 370+ cc Sport ATV, all cc sizes Custom 2, all cc sizes Harley Tour A, all cc sizes A Harley Tour B, all cc sizes B Harley Cruisers, cc C Harley Cruisers, cc D Harley Cruisers, cc E Harley Sportsters, cc F Harley Sportsters, 951+ cc G Tour, Non-Harley, cc H Tour, Non-Harley, cc I Sport Tour, all cc sizes J Cruisers, Non-Harley, cc K Cruisers, Non-Harley, cc L Cruisers, Non-Harley, cc M Cruisers, Non-Harley, cc N Regular, cc O Regular, cc P Regular, cc Q Regular, cc R Regular, cc S Regular, 951+ cc T Custom 1, all cc sizes U Sport A, cc V Sport A, 751+ cc W Sport B, all cc sizes X High Perf A, cc Y High Perf A, cc Z High Perf A, 851+ cc Page 6

53 GEICO INDEMNITY - MOTORCYCLE Vehicle Age Factors MASSACHUSETTS New Business Effective: E 10/02/2014 Vehicle Age Group Coverage Name COMP *COLL * Limited Collision uses same factors as Collision Page 7

54 GEICO INDEMNITY - MOTORCYCLE CC Displacement Factors MASSACHUSETTS New Business Effective: E 10/02/2014 *These factors are used in the calculation of the accessory coverage. CC Displacement FACTOR Over Page 8

55 GEICO INDEMNITY - MOTORCYCLE Merit Factors MASSACHUSETTS New Business Effective: E 10/02/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Number of Points Driving Record Sub- Classification Bodily Injury Property Damage *Collision Comprehensive Medical Payments **Uninsured Motorist 0 Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class ***16 Sub-Class *** 0.50 will be added to the 16 Point, Sub-Class 8 factor for every point in excess of 16 Page 9

56 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 10/02/2014 RATE GEN 01 Rate Order of Calculations Darkened cells do not apply. OperStep Round BI PD MED PAY PIP UM UIM Base Rate X X X X X X * Underwriting Program/Tier Factor Dime X X X X X X * Driver Experience Factor Dime X X X X X X * Increased Limit Factor Dime X X X X X * Deductible Factor Dime X * Renewal/Transfer Discount Penny X X X X X X * Dual Policy Discount Dime X X X X X X * Multi-Cycle Discount Dime X X X X X X * Defensive Driver Discount Dime * Military Safety Course Discount or Instructor Discount or Dime X X X X X X Motorcycle Safety Course Discount * 65+ Discount Dime X X X X X X * Excellent Driver Discount or Excellent Driver Plus Discount Dime X X X X X X * Accident/Violation Rating Dime X X X X X X * Vehicle Category Factor Dime X X X X X X * Paid in Full Discount Dime X X X X X X + Expense Fee Dime * Term Factor Dime X X X X X X Page 10

57 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 10/02/2014 Rate Order of Calculations Darkened cells do not apply. Oper Step Round COMP COLL LTD COLL ERS Base Rate X X X X * Underwriting Program/Tier Factor Dime X X X * Driver Experience Factor Dime X X X * Vehicle Category Factor Dime X X X * Vehicle Age Factor Dime X X X + Final Accessory Factor - X X X Base Rate X X X *Underwriting Program Factor Dime X X X *Driver Experience Factor Dime X X X *Vehicle Category Factor Dime X X X /CC Factors Penny X X X *Accessory Coverage Symbol Code Dime X X X * Deductible Factor Dime X X X * Renewal/Transfer Discount Penny X X X * Dual Policy Discount Dime X X X * Multi-Cycle Discount Dime X X X * Anti-Theft Discount Dime X * Defensive Driver Discount Dime * Military Safety Course Discount or Instructor Discount or Dime X X X Motorcycle Safety Course Discount * 65+ Discount Dime X X X X * Excellent Driver Discount or Excellent Driver Plus Discount Dime X X X * Accident/Violation Rating Dime X X X * Paid in Full Discount Dime X X X X + Expense Fee Dime * Term Factor Dime X X X X Page 11

58 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 1. DEFINITION...3 RULE 2. COVERAGE...3 RULE 3. DETERMINATION OF RATING TERRITORY - ALL COVERAGE...3 RULE 4. TERM RULE - POLICY PERIOD...3 RULE 5. RATES, MINIMUM PREMIUM AND ROUNDING OF PREMIUM...4 RULE 6. PRIVATE PASSENGER MOTORCYCLE INSTALLMENT PAYMENTS...4 RULE 7. CANCELLATION AND CHANGES...5 A. CANCELLATION...5 B. CHANGES...5 RULE 8. SERVICE FEES...5 A. RETURNED CHECKS...5 B. CERTIFICATE OF FINANCIAL RESPONSIBILITY FILING FEE...5 RULE 9. RESERVED FOR FUTURE USE...6 RULE 10. DRIVER EXPERIENCE FACTOR...6 RULE 11. PRIVATE PASSENGER MOTORCYCLE - LIABILITY AND PHYSICAL DAMAGE CLASSIFICATION...6 RULE 12. AGE GROUPS FOR COMPREHENSIVE AND COLLISION COVERAGE...6 RULE 13. RISK TIER...7 RULE 14. ACCIDENT AND CONVICTION RATING PLAN...7 A. EXPERIENCE PERIOD...7 B. DRIVING RECORD POINTS...8 C. OTHER POINT CHARGES...10 D. SUB-CLASSIFICATIONS...10 RULE 15. VEHICLE CATEGORY...10 RULE 16. ACCESSORY COVERAGE...11 RULE 17. RESERVED FOR FUTURE USE...11 RULE 18. STORAGE...11 RULE 19. TWO OR MORE PRIVATE PASSENGER MOTORCYCLE CREDIT...12 RULE 20. RENEWAL DISCOUNT...12 RULE 21. TRANSFER DISCOUNT...12 RULE DISCOUNT...12 RULE 23. MOTORCYCLE SAFETY COURSE CREDITS...13 A. MOTORCYCLE SAFETY FOUNDATION RIDER EDUCATION PROGRAM, MOTORCYCLE RIDER COURSE OR EXPERIENCED RIDER S COURSE INCLUDING THE MASSACHUSETTS RIDER EDUCATION PROGRAM...13 B. INSTRUCTOR S DISCOUNT...13 C. MILITARY SAFETY COURSE Effective 10/02/2014

59 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 24. DUAL POLICY DISCOUNT...13 RULE 25. ANTI-THEFT DISCOUNT...14 A. ALARM ONLY OR ACTIVE DISABLING DEVICES...14 B. NON-PASSIVE DISABLING DEVICE...14 C. PASSIVE DISABLING DEVICES...14 D. VEHICLE RECOVERY SYSTEM DEVICES...14 E. VEHICLE RECOVERY SYSTEM & PASSIVE DISABLING DEVICE...14 RULE 26. PAID IN FULL DISCOUNT...15 RULE 27. EXCELLENT DRIVER DISCOUNT...15 RULE 28. EXCELLENT DRIVER PLUS DISCOUNT Effective 10/02/2014

60 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 1. DEFINITION In accordance with this manual, the term Motorcycle or Private Passenger Motorcycle means any two wheeled motorcycle, motorbike, moped, motorscooter, a three-wheeled motorcycle, or other land motor vehicle that has: A. At least two-wheels, but not more than: 1. Three-wheels with respect to a vehicle designed for operation principally upon public roads that meets our underwriting criteria. The motorcycle must be manufactured or reconstructed from a two wheeled motorcycle and powered by an engine originally designed for use only with a motorcycle. 2. Four-wheels with respect to an all-terrain vehicle designed for operation principally off public roads; B. Completely open-air driver s seating; and C. A motorcycle hand-grip steering device. NOTE: We do not write business, commercial or emergency use or a vehicle used as a public or livery conveyance or owned by a corporation. RULE 2. COVERAGE Private passenger motorcycles rated in accordance with this manual shall be provided the Compulsory Insurance Coverage of Bodily Injury To Others, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto and Damage To Someone Else s Property. In addition, we will offer the Optional Insurance Coverage of Optional Bodily Injury To Others, Medical Payments, Collision, Limited Collision, Comprehensive, Emergency Road Service and Bodily Injury Caused By An Underinsured Auto. Refer to the applicable policy contract for provisions applicable to Territorial Extent of Coverage, Coverage Definitions and Coverage Exclusions. RULE 3. DETERMINATION OF RATING TERRITORY - ALL COVERAGE The premium for private passenger motorcycle coverage is the premium for the territory in which the private passenger motorcycle is principally garaged. (Refer to Rate Section for Territory Definitions.) RULE 4. TERM RULE - POLICY PERIOD A. No policy may be written for a period longer than 12 months. B. The premium to be charged for policy terms not exceeding 12 months shall be as follows: Month Policies - Charge the annual premium or minimum premium, whichever applies. 2. At the option of the Company, policies may be written for less than an annual period at pro rata of premiums in this manual. 3 Effective 10/02/2014

61 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 5. RATES, MINIMUM PREMIUM AND ROUNDING OF PREMIUM A. Rates - All premiums in this manual are annual premiums. B. Minimum Premium - The minimum premium is $99.00 annually. C. Rounding of Premiums - All Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Personal Injury Protection, Medical Payments, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, Limited Collision, and Emergency Road Service premiums are to be rounded to the nearest dime at each phase of calculation. For this purpose, an amount of five cents ($.05) or more shall be considered a dime. RULE 6. PRIVATE PASSENGER MOTORCYCLE INSTALLMENT PAYMENTS The following rules govern the payment of motorcycle premiums for policies written for periods of not more than one year. The total premium for a motorcycle policy providing any coverage is due and payable at the beginning of the policy period, unless the policy is issued on an installment payment basis. A. AVAILABLE PAYMENT PLANS 1. Payment in Full Due in accordance with the initial billing notice. (No Service Charge) 2. Four Payment Plan 1st Payment 25% due with application or on effective date of renewal. 2nd through 4th Payment 25% due on the 2nd, 4th and 6th month after policy effective date. 3. Six Payment Plan 1st Payment 25% due with application or on effective date of renewal. 2nd through 6th Payment - 15% due on the 2nd, 4th, 6th, 8th and 10th month after policy effective date. 4. Nine Payment Plan 1st Payment 17.6% due with application or on effective date of renewal. 2nd through 9th Payment % due on the 1st, 2nd, 3rd, 4th, 5th, 6th, 7th and 8th month after policy effective date. 5. Eleven Payment Plan 1st Payment 12.5% due with application. 2nd through 11th Payment 8.75% due on the 1st, 2nd, 3rd, 4th, 5th, 6th, 7th, 8th, 9th and 10th month after policy effective date. 6. Twelve Payment Plan with GEICO Auto Pay EFT or Recurring Card enrollment required to start and maintain this plan. 1st Payment 8.33% due with application or on effective date of renewal. 2nd through 12th Payment 8.33% due every month thereafter. 4 Effective 10/02/2014

62 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 6. PRIVATE PASSENGER MOTORCYCLE INSTALLMENT PAYMENTS (cont.) Additional Payment Plan for Renewals 7. Twelve Payment Plan without GEICO Auto Pay 1st Payment 8.33% due one month prior to effective date of renewal. 2nd Payment 8.33% due on effective date of renewal. 3rd through 12th Payment 8.33% due every month thereafter. B. An additional charge of $5.00 shall be made for each installment including the first payment, and the additional charge shall be included in each installment payment. The additional charge is for the expenses incurred in handling the separate payments. For Electronic Fund Transfer payments made under a recurring payment plan, a $1.00 charge applies in lieu of $5.00. For payments made under a recurring credit card plan offered pursuant to a sponsorship agreement between the issuing bank and the Company or its affiliates, no installment fee charge shall apply. C. The premium paid to Company exclusive of the total payment charge shall never be less than the pro rata charge from the effective date of the policy to the due date of the next payment when additional payments are to be paid, or to expiration of the policy when no further payments are due. RULE 7. CANCELLATION AND CHANGES A. CANCELLATION All cancellations at the request of the insured or cancellations by the company shall be processed on a pro rata basis. B. CHANGES 1. All changes requiring adjustments of premium shall be computed on a pro rata basis of the rate in effect when the coverage was issued. 2. If as a result of any endorsement, amendment, cancellation or other policy change, an additional or return premium in the amount less than $2.01 is developed, no return need be made unless requested by the insured. If requested, the actual amount shall be returned. RULE 8. SERVICE FEES A. RETURNED CHECKS A $20.00 service fee may be charged for processing a check/draft dishonored for any of the following reasons: 1. Insufficient Funds; 2. Account Closed; or 3. Payment Stopped (unless by Company request). B. CERTIFICATE OF FINANCIAL RESPONSIBILITY FILING FEE A $25.00 service fee shall be charged for processing Certificate of Financial Responsibility filings. 5 Effective 10/02/2014

63 RULE 9. RESERVED FOR FUTURE USE RULE 10. DRIVER EXPERIENCE FACTOR A Motorcycle shall be classified and rated as follows: GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS A. Number of Years of US auto license: Other foreign experience will be accepted if the company is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Number of years of owning, operating, and having registered a motorcycle. NOTE: See the rate pages for the factors associated with the experience factor. RULE 11. PRIVATE PASSENGER MOTORCYCLE - LIABILITY AND PHYSICAL DAMAGE CLASSIFICATION A. DEFINITIONS 1. "Business Use" - means that the use of the private passenger motorcycle is required by or customarily involved in the duties of the applicant or any other person customarily operating the private passenger motorcycle in his occupation, profession or business, other than in going to or from his principal place of occupation, business or profession. 2. "Operator" - means anyone who uses the private passenger motorcycle except: (a) An individual in active military service with the armed forces of the United States of America shall not be considered an operator unless such individual customarily uses the private passenger motorcycle. (b) Individuals absent from the household while attending school shall be considered an operator if they customarily use the private passenger motorcycle. RULE 12. AGE GROUPS FOR COMPREHENSIVE AND COLLISION COVERAGE Age Group Definition Code 1 All private passenger motorcycles of the current model year 2 All private passenger motorcycles of the 1 st preceding model year 3 All private passenger motorcycles of the 2 nd preceding model year 4 All private passenger motorcycles of the 3 rd preceding model year 5 All private passenger motorcycles of the 4 th preceding model year 6 All private passenger motorcycles of the 5 th preceding model year 7 All private passenger motorcycles of the 6 th preceding model year 8 All private passenger motorcycles of the 7 th preceding model year 9 All other private passenger motorcycles NOTE: For the purpose of this definition, the current model year shall change effective October 1, of each calendar year regardless of actual introductory dates of the several makes and models. Rebuilt or Structurally Altered private passenger motorcycles - the age of the frame determines the age of the cycle. 6 Effective 10/02/2014

64 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 13. RISK TIER A risk will be assigned to a Risk Tier. The Company uses the following list of characteristics for Risk Tier placement: Number of active operators: Number of active operators on a policy. Minimum Years of OOR of active operators: Among the active operators what is the minimum number of years a street legal motorcycle has been Owned, Operated and Registered. Total number of convictions. Total number of Negligent Accidents: An accident is considered to be negligent if it is indicated as negligent by the applicant or the information reported by the third-party reporting agency indicates that it is negligent. Accidents discovered on the motor vehicle report that occur on the same day as a moving violation also discovered on the report are classified as negligent. Types of negligent accidents include, but are not limited to, accidents which are a result of loss of control, a moving violation, failure to pay attention, and recklessness or improper parking of a vehicle. Total number of Non-negligent Accidents: Accidents not classified as negligent are classified as non-negligent. Current motorcycle insurance status: An applicant is considered currently insured if their current policy does not expire prior to the desired effective date of the GEICO policy. An applicant with a status of deployed will be given the same consideration as an applicant who is currently insured. GEICO Auto insurance status: An applicant is considered currently insured with GEICO Auto insurance if their GEICO automobile policy does not expire prior to the desired effective date of their GEICO Motorcycle policy. An applicant with a status of deployed will be given the same consideration as an applicant who is currently insured. The number and type of motorcycles and/or ATV s. Named Insured Years Licensed: The number of years the applicant has held an automobile license in the US or Canada. Other foreign experience will be accepted if the company is provided with a certified English language translation of the vehicle operator report from the applicable country. Internet origination: Any GEICO Motorcycle policy where the initial quote originated via the internet. RULE 14. ACCIDENT AND CONVICTION RATING PLAN The Rating Plan applies to Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. A. EXPERIENCE PERIOD The experience period shall begin seventy-two (72) months prior to the effective date of the policy in order to identify the Excellent Driver and Excellent Driver Plus discount. The experience period for charging for a violation or accident shall begin thirty-six (36) months prior to the effective date of the policy. 7 Effective 10/02/2014

65 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 14. ACCIDENT AND CONVICTION RATING PLAN (Cont d) B. DRIVING RECORD POINTS 1. Motor Vehicle Convictions Points shall be assigned in accordance with the following for motor vehicle convictions for which the applicant or any operator of the vehicle has been convicted, paid a fine or forfeited bail bond during the experience period. a. Four points shall be assigned for each occurrence of: (1) Eluding Police (2) Felony Involving Auto (3) Highway Racing (4) Hit And Run (5) Homicide or Manslaughter (6) Leaving The Scene Of An Accident (7) Disobey A/D (8) Restricted License (9) Road Rage (10) Turn Off Lights To Avoid ID (11) DUI/DWI and/or Drugs (12) Alcohol or Drug Related (13) Reduced DWI/DUI (14) Refuse Sobriety Test (15) Reckless, Aggressive, Negligent, Careless, or Inattentive Driving (16) Maintain Proper Control (17) Multiple Convictions (18) Physical Control b. Zero points shall be assigned for the first occurrence and two points for all subsequent occurrences of: (1) Speeding 1-20 MPH over the limit (2) Eye Protection Viol. (3) Fail To Dim Lights (4) Fail To Signal (5) Helmet Violation (6) HOV/Parkway/Expressway Restrictions (7) Not Licensed For Vehicle Class (8) Operate Car Without Valid License (9) Operate Vehicle Within Fire Area (10) Permitting Person to Ride Where Unlawful (11) Speed Below Minimum c. Two points shall be assigned for each occurrence of all other convictions legally chargeable. 8 Effective 10/02/2014

66 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 14. ACCIDENT AND CONVICTION RATING PLAN (Cont d) NOTES: a. Under Section b above: (1) To impose a surcharge, the accumulation of two violations must be by the same individual operator. b. Under Section b & c above: (1) Any conviction as a result of an accident is not chargeable under both the accident and conviction portions of this rule. The charge shall be made only in the category resulting in the higher penalty point assignment. EXCEPTIONS: No points will be assigned for a conviction of driving without a seatbelt. 2. Accidents a. Four points shall be assigned for each at fault accident involving the applicant, or any operator of the insured motor vehicle, while operating any private passenger type motor vehicle resulting in bodily injury or death, or damage to property (including his own) in excess of $500. b. Except that no points shall be assigned under the applicant s policy for accidents incurred by an operator demonstrated to be a named insured or a principal operator of a motor vehicle insured under a separate policy in the companies, unless the accident is a motorcycle accident and the operator is a named insured or a principal operator of a policy insuring automobiles only. NOTE: Except as provided above, points will be assigned for both automobile and motorcycle accidents. EXCEPTIONS: No points shall be assigned for a substantially at-fault accident if the insured demonstrates that the accident occurred under the following circumstances: i. Motor vehicle lawfully parked; or ii. Applicant, other operator or owner is reimbursed by, or on behalf of, a person responsible for the accident or has judgment against such person; or iii. Motor vehicle of an applicant or other operator struck in rear by another vehicle and the applicant or other operator was not convicted of a traffic violation in connection with the accident; or iv. Operator of the other motor vehicle involved in such accident was convicted of a traffic violation and the applicant or other operator was not convicted of a traffic violation in connection therewith; or v. Motor vehicle operated by applicant or other operator was struck by a hit-and-run driver, if the applicant or other operator reports the accident to proper authority within 24 hours; or vi. Accident involving damage by contact with animals or fowl; or vii. Applicant or other operator residing in the same household, or owner, who receives payment under Personal Injury Protection Insurance where such individual is not at fault; or viii. Physical damage losses other than from collision ( i.e. flying gravel, missiles or falling objects); or 9 Effective 10/02/2014

67 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 14. ACCIDENT AND CONVICTION RATING PLAN (Cont d) ix. Applicant, owner or other operator was reimbursed for damage to the motor vehicle under Limited Collision Coverage or under the Broadened Collision Limited Waiver of Collision Deductible coverage; or x. Applicant, owner or other operator was reimbursed for damage to the motor vehicle under Collision Coverage where such individual was not more than 50% at fault. C. OTHER POINT CHARGES One point shall be assigned for any operator for whom a 36-month driving record cannot be verified by a government bureau of motor vehicles. This charge shall remain in effect for as long as the driving record remains unverifiable, but shall be removed at the first renewal after the driving record becomes verifiable, not to exceed one year. This rule does not apply to U.S. Military personnel and their spouses who previously held a valid U.S driver s license that has expired due to their military service. D. SUB-CLASSIFICATIONS The number of points accumulated as a result of driving record and operator rating shall govern the subclassification to be assigned. Refer to Rate Section for rating factors. RULE 15. VEHICLE CATEGORY All private passenger motorcycles are assigned a specific vehicle category. Refer to the Rate Section for a list of the applicable categories and the related vehicle factor. For newly announced models, assign the category shown for the latest similar model. These category classification factors apply to Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. 10 Effective 10/02/2014

68 RULE 16. ACCESSORY COVERAGE GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS If Comprehensive or Collision coverage is written on the covered motorcycle, $2,000 of coverage for accessories will be included. Accessories are defined as custom, optional or added equipment parts and accessories permanently added to or replacing standard factory parts or equipment. Optional increased limits of accessory coverage are available as follows: FROM TO SYMBOL CODE #ofunits $ 0 2,000 A 0 2,001 3,500 B 13 3,501 5,000 C 28 5,001 6,500 D 43 6,501 8,000 E 58 8,001 9,500 F 73 9,501 11,000 G 88 11,001 15,000 H ,001 20,000 I 118 RULE 17. RESERVED FOR FUTURE USE RULE 18. STORAGE The storage program may be offered by policy endorsement upon notification to the company that the motor vehicle will not be operated for regular use and will be stored due to the winter season or military or civilian deployment. A. A 70% credit will apply to the premiums, except for Comprehensive, after removal of the endorsement subject to the following provisions: 1. The motor vehicle must be placed in storage for a period of 30 days or more; 2. The motor vehicle must not be operated for regular use, except for maintenance and testing purposes. B. The premium credit is proportionate to the period of time the motor vehicle was under the storage program. The policy will not be discounted beyond the applicable minimum premium amount. C. Removal of the endorsement will be effective immediately upon receipt of such request by the named insured. D. Endorsement shall not extend the policy beyond its original expiration date. E. If the policy expires during the period of suspension, the named insured shall be entitled any applicable premium credit in accordance with the foregoing provisions of this rule. 11 Effective 10/02/2014

69 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 19. TWO OR MORE PRIVATE PASSENGER MOTORCYCLE CREDIT If two or more private passenger motorcycles are insured on the same policy a 10% credit will be applied to like coverage. This credit applies to Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE 20. RENEWAL DISCOUNT A discount of 10% will be applied at the first anniversary renewal, and will remain in effect, provided there is no lapse in coverage. This discount is applicable to the following coverage: Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE 21. TRANSFER DISCOUNT A 10% discount will be applied on new policies, provided that the applicant has current insurance. This discount will apply until the first renewal, at which time the applicant may be eligible for a Renewal Discount. The applicant may be required to present proof of current motorcycle insurance at the time of application. This discount is applicable to the following coverage: Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE DISCOUNT The 65+ discount applies to all riders at least 65 years old. This discount applies if the principal operator is at least 65 years old and has been auto licensed for at least 6 years. The vehicle cannot be used in the occupation, profession or business of the insured (cannot be used for business purposes). The experienced 65+ discount will be applied to each vehicle principally operated by a person who qualifies for the discount. A 25% discount is applicable to the following coverage: Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, Limited Collision coverage, and Emergency Road Service. 12 Effective 10/02/2014

70 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 23. MOTORCYCLE SAFETY COURSE CREDITS The rates for Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage otherwise applicable for a motorcycle, motorscooter, motorbike or other similar motor vehicles owned by an individual or husband and wife resident in the same household shall be subject to the following credits. Satisfactory evidence (certificate or photostat thereof) may be required by the company that the principal operator of such motor vehicle has successfully completed an appropriate Motorcycle safety course shown below. If the policy insures two or more cycles, the credit shall apply to each vehicle principally operated by a person who has successfully completed the motorcycle safety course. When the principal operator qualifies for more than one of the following credits, only the highest applicable credit for each principal operator of an insured vehicle shall apply. A. MOTORCYCLE SAFETY FOUNDATION RIDER EDUCATION PROGRAM, MOTORCYCLE RIDER COURSE OR EXPERIENCED RIDER S COURSE INCLUDING THE MASSACHUSETTS RIDER EDUCATION PROGRAM A 10% credit shall apply if the principal operator has successfully completed a Motorcycle Rider Course meeting the standards established by the Motorcycle Safety Foundation Rider Education Program. B. INSTRUCTOR S DISCOUNT A 20% credit shall apply if the principal operator is a certified instructor of a motorcycle safety course meeting the standards established by the Motorcycle Safety Foundation. C. MILITARY SAFETY COURSE A 10% credit shall apply if the principal operator has successfully completed a motorcycle safety course (other than the Motorcycle Safety Foundation courses) offered at a military installation and approved by the Commanding Officer. RULE 24. DUAL POLICY DISCOUNT A 5% discount will be applied to policies where the insured has both an automobile policy and a motorcycle policy written within the GEICO group of companies. NOTE: AIP and Commercial risks are not eligible policies for determination of the dual policy discount. This discount is applicable to the following coverage: Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. 13 Effective 10/02/2014

71 RULE 25. ANTI-THEFT DISCOUNT GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS This discount will apply to Comprehensive Coverage on all motorcycles equipped with an Anti-Theft device meeting the criteria of either paragraphs A, B, C, D or E below. A. ALARM ONLY OR ACTIVE DISABLING DEVICES A 5% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with either of the following: (1) Audible alarm only devices; or (2) Active disabling devices which disable the motorcycle 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. B. NON-PASSIVE DISABLING DEVICE A 5% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with a device similar to one of the following examples: (1) Wheel locks (2) Wheel chains (3) Locking motorcycle cover C. PASSIVE DISABLING DEVICES A 10% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with a passive disabling device which disables the motorcycle 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. D. VEHICLE RECOVERY SYSTEM DEVICES A 15% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with an approved electronic unit installed in the motorcycle that is activated after the motorcycle is stolen. When activated, the device provides information to law enforcement officials or to another public or private entity regarding the motorcycle's location. The vehicle recovery system provides for the routine delivery of the information to the appropriate law enforcement entity to assist in the recovery of the motorcycle. E. VEHICLE RECOVERY SYSTEM & PASSIVE DISABLING DEVICE If a motorcycle is equipped with an approved Vehicle Recovery System Device and a Passive Disabling Device a 20% discount on Comprehensive Coverage shall be afforded. 14 Effective 10/02/2014

72 RULE 26. PAID IN FULL DISCOUNT GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS A 10% discount factor will be applied to the policy when all of the following conditions are met: A. Policy balance is paid in full on or prior to the effective date of the policy. B. Payment is not returned or cancelled. At each renewal, discount eligibility will be re-evaluated using the above conditions. The discount factor will remain for the duration of the policy term regardless of any endorsements processed after initial eligibility was met. If a policy meets the eligibility requirements above, no installment charges will be assessed on the policy. RULE 27. EXCELLENT DRIVER DISCOUNT A 2% discount will be applied if the principal operator of the vehicle has at least 5 years auto driving experience and no chargeable incidents within the 5-year experience period OR the principal operator of the vehicle has one chargeable incident within the 6-year experience period and a chargeable incident which is considered a "minor violation". Chargeable incidents are outlined in Rule 14. This discount is applicable to the following coverage: Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE 28. EXCELLENT DRIVER PLUS DISCOUNT A 4% discount will be applied if the principal operator of the vehicle has at least 6 years auto driving experience and no chargeable incident within the 6-year experience period. Chargeable incidents are outlined in Rule 14. This discount is applicable to the following coverage: Bodily Injury To Others, Optional Bodily Injury To Others, Damage To Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Bodily Injury Caused By An Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. 15 Effective 10/02/2014

73 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS Except for East Boston and South Boston, sections of cities and towns designated North, East, South, and West or with a prefix or suffix merely supplemental to the principal name (such as West Newton or Arlington Heights) are not separately listed (see principal designation). In some instances (such as North Andover) there are two distinct townships, Andover and North Andover, in which case both are listed. Counties are indicated by the Statistical Code Numbers as follows: Left Hand Digit County Left Hand Digit County Barnstable 4... Franklin 0... Dukes Hampden Nantucket 5... Hampshire Plymouth 6... Middlesex 1... Berkshire 7... Norfolk 2... Bristol 8... Suffolk 3... Essex 9... Worcester T-1 Effective 10/02/2014

74 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS CITY OF BOSTON Rating Territory Statistical Code Definition BOSTON CENTRAL - (Zip Codes , 02123, 02133, 02199, 02201, 02202, 02203, 02210, 02215, 02241) BRIGHTON - (Zip Codes 02134, 02135, 02163) CHARLESTOWN - EAST BOSTON - (Zip Codes 02128, 02129) DORCHESTER - (North Dorchester and South Dorchester) - (Zip Codes 02122, 02124, 02125, 02126) 21* 819 EAST BOSTON - CHARLESTOWN - (Zip Codes 02128, 02129) HYDE PARK - (Zip Codes 02136, 02137) JAMAICA PLAIN - (Zip Code 02130) ROSLINDALE - (Zip Code 02131) ROXBURY - (Including parts of Dorchester) (Zip Codes 02119, 02120, 02121) SOUTH BOSTON - (Zip Code 02127) WEST ROXBURY (Zip Code 02132) The following list contains subdivisions of Boston with territorial schedules and statistical codes: Name Rating Territory Statistical Code Allston - (Brighton) Mattapan - (Dorchester - North) Readville - (Hyde Park) *A portion of postal zip code district falls in Hyde Park (Territory 20) and should be rated as such. The correct border between South Dorchester and Hyde Park is as follows: Southeast, then East on Cummins Highway, Southwest on Rugby Road (1 block), Southeast on Greenfield Road, short stretch Southwest on River Street, Southeast on Mattakeeset St. to Neponset River. Border goes down the middle of these streets. The following list contains Out of State Territorial Schedules and Statistical Codes Rating Statistical Location Territory Code Connecticut * 991 Maine * 992 New Hampshire * 993 New York * 994 Rhode Island * 995 Vermont * 996 Other * 999 * Rating territory in which the automobile is registered. T-2 Effective 10/02/2014

75 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code A ABINGTON ACTON ACUSHNET ADAMS AGAWAM ALFORD AMESBURY AMHERST ANDOVER ARLINGTON ASHBURNHAM ASHBY ASHFIELD ASHLAND ATHOL ATTLEBORO AUBURN AVON AYER B BARNSTABLE BARRE BECKET BEDFORD BELCHERTOWN BELLINGHAM BELMONT BERKLEY BERLIN BERNARDSTON BEVERLY BILLERICA BLACKSTONE BLANDFORD BOLTON BOSTON CENTRAL - (Zip Codes , 02123, 02133, 02199, 02201, 02202, 02203, 02210, 02215, 02241) BOURNE BOXBOROUGH BOXFORD BOYLSTON T-3 Effective 10/02/2014

76 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code B (cont.) BRAINTREE BREWSTER BRIDGEWATER BRIGHTON - Boston (Zip Codes 02134, 02135, 02163) BRIMFIELD BROCKTON BROOKFIELD BROOKLINE BUCKLAND BURLINGTON C CAMBRIDGE CANTON CARLISLE CARVER CHARLEMONT CHARLESTOWN - Boston (Zip Codes 02128, 02129) CHARLTON CHATHAM CHELMSFORD CHELSEA CHESHIRE CHESTER CHESTERFIELD CHICOPEE CHILMARK CLARKSBURG CLINTON COHASSET COLRAIN CONCORD CONWAY CUMMINGTON D DALTON DANVERS DARTMOUTH DEDHAM DEERFIELD DENNIS T-4 Effective 10/02/2014

77 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code D (cont.) DIGHTON DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) DOUGLAS DOVER DRACUT DUDLEY DUNSTABLE DUXBURY E EAST BOSTON - Boston (Zip Codes 02128, 02129) EAST BRIDGEWATER EAST BROOKFIELD EASTHAM EASTHAMPTON EAST LONGMEADOW EASTON EDGARTOWN EGREMONT ERVING ESSEX EVERETT F FAIRHAVEN FALL RIVER FALMOUTH FITCHBURG FLORIDA FOXBOROUGH FRAMINGHAM FRANKLIN FREETOWN G GARDNER GAY HEAD GEORGETOWN GILL GLOUCESTER GOSHEN GOSNOLD GRAFTON T-5 Effective 10/02/2014

78 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code G (cont.) GRANBY GRANVILLE GREAT BARRINGTON GREENFIELD GROTON GROVELAND H HADLEY HALIFAX HAMILTON HAMPDEN HANCOCK HANOVER HANSON HARDWICK HARVARD HARWICH HATFIELD HAVERHILL HAWLEY HEATH HINGHAM HINSDALE HOLBROOK HOLDEN HOLLAND HOLLISTON HOLYOKE HOPEDALE HOPKINTON HUBBARDSTON HUDSON HULL HUNTINGTON HYDE PARK - Boston (Zip Codes 02136, 02137) I IPSWICH J JAMAICA PLAIN - Boston (Zip Code 02130) K KINGSTON T-6 Effective 10/02/2014

79 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code L LAKEVILLE LANCASTER LANESBOROUGH LAWRENCE LEE LEICESTER LENOX LEOMINSTER LEVERETT LEXINGTON LEYDEN LINCOLN LITTLETON LONGMEADOW LOWELL LUDLOW LUNENBURG LYNN LYNNFIELD M MALDEN MANCHESTER MANSFIELD MARBLEHEAD MARION MARLBOROUGH MARSHFIELD MASHPEE MATTAPOISETT MAYNARD MEDFIELD MEDFORD MEDWAY MELROSE MENDON MERRIMAC METHUEN MIDDLEBOROUGH MIDDLEFIELD MIDDLETON T-7 Effective 10/02/2014

80 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code M (cont.) MILFORD MILLBURY MILLIS MILLVILLE MILTON MONROE MONSON MONTAGUE MONTEREY MONTGOMERY MOUNT WASHINGTON N NAHANT NANTUCKET NATICK NEEDHAM NEW ASHFORD NEW BEDFORD NEW BRAINTREE NEWBURY NEWBURYPORT NEW MARLBOROUGH NEW SALEM NEWTON NORFOLK NORTH ADAMS NORTHAMPTON NORTH ANDOVER NORTH ATTLEBORO NORTHBOROUGH NORTH BROOKFIELD NORTHBRIDGE NORTH DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) NORTHFIELD NORTH READING NORTON NORWELL NORWOOD O OAK BLUFFS T-8 Effective 10/02/2014

81 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code O (cont.) OAKHAM ORANGE ORLEANS OTIS OXFORD P PALMER PAXTON PEABODY PELHAM PEMBROKE PEPPERELL PERU PETERSHAM PHILLIPSTON PITTSFIELD PLAINFIELD PLAINVILLE PLYMOUTH PLYMPTON PRINCETON PROVINCETOWN Q QUINCY R RANDOLPH RAYNHAM READING REHOBOTH REVERE RICHMOND ROCHESTER ROCKLAND ROCKPORT ROSLINDALE - Boston (Zip Code 02131) ROWE ROWLEY ROXBURY - Boston (Zip Codes 02119, 02120, 02121) ROYALSTON RUSSELL RUTLAND T-9 Effective 10/02/2014

82 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code S SALEM SALISBURY SANDISFIELD SANDWICH SAUGUS SAVOY SCITUATE SEEKONK SHARON SHEFFIELD SHELBURNE SHERBORN SHIRLEY SHREWSBURY SHUTESBURY SOMERSET SOMERVILLE SOUTHAMPTON SOUTHBOROUGH SOUTH BOSTON - Boston (Zip Code 02127) SOUTHBRIDGE SOUTH HADLEY SOUTHWICK SPENCER SPRINGFIELD STERLING STOCKBRIDGE STONEHAM STOUGHTON STOW STURBRIDGE SUDBURY SUNDERLAND SUTTON SWAMPSCOTT SWANSEA T TAUNTON TEMPLETON TEWKSBURY T-10 Effective 10/02/2014

83 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code T (cont.) TISBURY TOLLAND TOPSFIELD TOWNSEND TRURO TYNGSBOROUGH TYRINGHAM U UPTON UXBRIDGE W WAKEFIELD WALES WALPOLE WALTHAM WARE WAREHAM WARREN WARWICK WASHINGTON WATERTOWN WAYLAND WEBSTER WELLESLEY WELLFLEET WENDELL WENHAM WESTBOROUGH WEST BOYLSTON WEST BRIDGEWATER WEST BROOKFIELD WESTFIELD WESTFORD WESTHAMPTON WESTMINSTER WEST NEWBURY WESTON WESTPORT WEST ROXBURY - Boston (Zip Code 02132) WEST SPRINGFIELD T-11 Effective 10/02/2014

84 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code W (cont.) WEST STOCKBRIDGE WEST TISBURY WESTWOOD WEYMOUTH WHATELY WHITMAN WILBRAHAM WILLIAMSBURG WILLIAMSTOWN WILMINGTON WINCHENDON WINCHESTER WINDSOR WINTHROP WOBURN WORCESTER WORTHINGTON WRENTHAM Y YARMOUTH T-12 Effective 10/02/2014

85 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS *RULE 14. ACCIDENT AND CONVICTION RATING PLAN (Cont d) NOTES: a. Under Section b and c above: (1) To impose a charge, the accumulation of two violations must be by the same individual operator. (2) Any conviction as a result of an accident is not chargeable under both the accident and conviction portions of this rule. The charge shall be made only in the category resulting in the higher penalty point assignment b. Points will be assigned for both automobile and private passenger motorcycle convictions EXCEPTIONS: No points will be assigned under Section b for a conviction of driving without a seatbelt. 2. Accidents a. Four points shall be assigned for each at fault accident involving the applicant, or any operator of the insured motor vehicle, while operating any private passenger type motor vehicle resulting in bodily injury or death, or damage to property (including his own) in excess of $500. b. Except that no points shall be assigned under the applicant s policy for accidents incurred by an operator demonstrated to be a named insured or a principal operator of a motor vehicle insured under a separate policy in the companies, unless the accident is a motorcycle accident and the operator is a named insured or a principal operator of a policy insuring automobiles only. NOTE: Except as provided above, points will be assigned for both automobile and motorcycle accidents. EXCEPTIONS: No points shall be assigned for a substantially at-fault accident if the insured demonstrates that the accident occurred under the following circumstances: i. Motor vehicle lawfully parked; or ii. Applicant, other operator or owner is reimbursed by, or on behalf of, a person responsible for the accident or has judgment against such person; or iii. Motor vehicle of an applicant or other operator struck in rear by another vehicle and the applicant or other operator was not convicted of a traffic violation in connection with the accident; or iv. Operator of the other motor vehicle involved in such accident was convicted of a traffic violation and the applicant or other operator was not convicted of a traffic violation in connection therewith; or v. Motor vehicle operated by applicant or other operator was struck by a hit-and-run driver, if the applicant or other operator reports the accident to proper authority within 24 hours; or vi. Accident involving damage by contact with animals or fowl; or vii. Applicant or other operator residing in the same household, or owner, who receives payment under Personal Injury Protection Insurance where such individual is not at fault; or viii. Physical damage losses other than from collision ( i.e. flying gravel, missiles or falling objects); or 9 Effective 04/10/2014 Reprinted 07/01/2014

86 Objection 10 Response Screenshot Forms Used in MA GEICO Motorcycle FormTitle FormNumber Form Instructions /Fax It Additional Interest/Additional Insured Lessor A209MC(04-14) View View Cancel for Non-Payment U44MADPMC View View Certificate of Insurance U99MA(04-14) View View Custom Parts or Equipment PS18MC(04-14) View View Driver's License Information Request M240MA View View Loss Payable Clause UE316MA(04-14) View View Policy Contract A40MA(04-14) View View Reinstatement of Coverage UE12MAMC(04-14) View View Suspension of Coverage UE11MAMC(04-14) View View Suspension of Coverage and Reduction of Limits UE147MC(04-14) View View Trust Endorsement UE164MC(04-14) View View Use Restriction - Premium Reduction PS115MC(04-14) View View Waiver of Deductible UE165MC(04-14) View View

87 -*- Demonstration Powered by HP Exstream 09/26/2014, Version bit -*- GEICO Indemnity Company One GEICO Plaza, Washington, DC, NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM * CANC00306* As of 12:01 a.m. local time Apr your policy will cancel due to nonpayment of your premium. Keep your policy active by submitting a payment of the past-due amount $31.45 prior to the cancellation effective date. The policy will not be cancelled if you pay the full past-due amount before the cancellation date. All payments are subject to normal collection and will be applied to the oldest debt on the policy. Note: A partial payment will not void this cancellation notice. Please submit a payment immediately to prevent the cancellation of your policy. Due Payment Schedule Amount PAST DUE $ Pay now using one of these methods: * Log in to mypolicy.geico.com -- the fastest and easiest way to maintain coverage and avoid a lapse in your insurance protection. * Call to use our automated PhonePay system. Have your checking account information handy. * Mail your payment. It must be postmarked before the cancellation date to avoid a lapse. Checks should be made payable to GEICO. If your payment and this notice have crossed in the mail, please disregard this notice and accept our thanks. If you have not sent in your payment, please do so now. You may also track the status of your payment(s) at any time on mypolicy.geico.com. Remember -- Your payment must be made by the above mentioned date and time to ensure continuous coverage. Thank you for your business. We look forward to continuing to serve your insurance needs for years to come. Remember - Your last full day of coverage is the day immediately before the cancellation date. We look forward to continuing to serve your insurance needs. If you have questions or a problem, don't hesitate to call us toll-free at Please detach and return the bottom portion with your payment made payable to GEICO in the enclosed envelope. Pol. #: Pol. #: NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM Notice Date: Apr Canc. Date: Apr Current Balance T E S T C A S E T E S T C A S E T E S T C A S E TEST CASEFOUR 1 TEST ST AMHERST MA $ $31.45 * * ONE GEICO PLAZA Bethesda, MD U44MADPMC (04-14) Page 1 of

88 -*- Demonstration Powered by HP Exstream 09/26/2014, Version bit -*- IMPORTANT NOTICE TO POLICYHOLDERS: Please read carefully the information below which outlines your legal rights relative to this cancellation. INFORMATION ABOUT MINIMUM INSURANCE REQUIREMENTS Massachusetts law requires that every motor vehicle registered in Massachusetts carry minimum motor vehicle liability insurance. The Registrar of Motor Vehicles will revoke your registration and license plates on the effective date of cancellation shown in this notice unless: 1. We reinstate your required minimum motor vehicle insurance; or 2. Before the date of cancellation shown in this notice you obtain minimum motor vehicle insurance from another insurance company. The new company must notify the Registrar before the date of cancellation in this notice that it has insured your motor vehicle. If you are unable to obtain motor vehicle insurance from another insurance company, you may be eligible to obtain motor vehicle insurance through the Massachusetts residual market plan. Almost all insurance agents and all insurance companies are authorized to help you apply for motor vehicle insurance through the plan. If you apply for motor vehicle insurance through the plan, you will not be able to choose an insurer, but you will be assigned to an insurance company. In some cases, you may not be able to obtain coverage through the plan that is identical to the coverage that was not renewed; or 3. Before the effective date of the cancellation shown in this notice you file with the Commissioner of Insurance a written complaint on a form prescribed and furnished by the Commissioner of Insurance. The form is available on the Division of Insurance website by searching "Cancellation Appeal Form" at or can be obtained by calling the Division's Consumer Service Section at Unless one of the three above actions occurs, the registration for your motor vehicle will be revoked on the effective date of cancellation shown in this notice. U44MADPMC (04-14) Page 2 of 2 Paying by check authorizes GEICO to send your check information electronically to your bank. Your account may be debited the same day we receive your payment. You will not receive your cancelled check, however the transaction will appear on your bank statement. If we cannot post the transaction electronically, we may present a copy of your check for payment.

89 GEICO Indemnity Company One GEICO Plaza, Washington, DC, NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM * CANC00306* As of 12:01 a.m. local time Apr your policy will cancel due to nonpayment of your premium. Keep your policy active by submitting a payment of the past-due amount $31.45 prior to the cancellation effective date. The policy will not be cancelled if you pay the full past-due amount before the cancellation date. All payments are subject to normal collection and will be applied to the oldest debt on the policy. Note: A partial payment will not void this cancellation notice. Please submit a payment immediately to prevent the cancellation of your policy. Due Payment Schedule Amount PAST DUE $ Pay now using one of these methods: * Log in to mypolicy.geico.com -- the fastest and easiest way to maintain coverage and avoid a lapse in your insurance protection. * Call to use our automated PhonePay system. Have your checking account information handy. * Mail your payment. It must be postmarked before the cancellation date to avoid a lapse. Checks should be made payable to GEICO. If your payment and this notice have crossed in the mail, please disregard this notice and accept our thanks. If you have not sent in your payment, please do so now. You may also track the status of your payment(s) at any time on mypolicy.geico.com. Remember -- Your payment must be made by the above mentioned date and time to ensure continuous coverage. Thank you for your business. We look forward to continuing to serve your insurance needs for years to come. Remember - Your last full day of coverage is the day immediately before the cancellation date. We look forward to continuing to serve your insurance needs. If you have questions or a problem, don't hesitate to call us toll-free at Please detach and return the bottom portion with your payment made payable to GEICO in the enclosed envelope. Pol. #: Pol. #: NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM Notice Date: Apr Canc. Date: Apr Current Balance T E S T C A S E T E S T C A S E T E S T C A S E TEST CASEFOUR 1 TEST ST AMHERST MA $ $ * * ONE GEICO PLAZA Bethesda, MD U44MADPMC (04-14) Page 1 of

90 IMPORTANT NOTICE TO POLICYHOLDERS: Please read carefully the information below which outlines your legal rights relative to this cancellation. INFORMATION ABOUT MINIMUM INSURANCE REQUIREMENTS Massachusetts law requires that every motor vehicle registered in Massachusetts carry minimum motor vehicle liability insurance. The Registrar of Motor Vehicles will revoke your registration and license plates on the effective date of cancellation shown in this notice unless: 1. We reinstate your required minimum motor vehicle insurance; or 2. Before the date of cancellation shown in this notice you obtain minimum motor vehicle insurance from another insurance company. The new company must notify the Registrar before the date of cancellation in this notice that it has insured your motor vehicle. If you are unable to obtain motor vehicle insurance from another insurance company, you may be eligible to obtain motor vehicle insurance through the Massachusetts residual market plan. Almost all insurance agents and all insurance companies are authorized to help you apply for motor vehicle insurance through the plan. If you apply for motor vehicle insurance through the plan, you will not be able to choose an insurer, but you will be assigned to an insurance company. In some cases, you may not be able to obtain coverage through the plan that is identical to the coverage that was not renewed; or 3. Before the effective date of the cancellation shown in this notice you file with the Commissioner of Insurance a written complaint on a form prescribed and furnished by the Commissioner of Insurance. The form is available on the Division of Insurance website by searching "Cancellation Appeal Form" at or can be obtained by calling the Division's Consumer Service Section at Unless one of the three above actions occurs, the registration for your motor vehicle will be revoked on the effective date of cancellation shown in this notice. U44MADPMC (04-14) Page 2 of 2 Paying by check authorizes GEICO to send your check information electronically to your bank. Your account may be debited the same day we receive your payment. You will not receive your cancelled check, however the transaction will appear on your bank statement. If we cannot post the transaction electronically, we may present a copy of your check for payment.

91 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS Except for East Boston and South Boston, sections of cities and towns designated North, East, South, and West or with a prefix or suffix merely supplemental to the principal name (such as West Newton or Arlington Heights) are not separately listed (see principal designation). In some instances (such as North Andover) there are two distinct townships, Andover and North Andover, in which case both are listed. Counties are indicated by the Statistical Code Numbers as follows: Left Hand Digit County Left Hand Digit County Barnstable 4... Franklin 0... Dukes Hampden Nantucket 5... Hampshire Plymouth 6... Middlesex 1... Berkshire 7... Norfolk 2... Bristol 8... Suffolk 3... Essex 9... Worcester T-1 Effective 10/02/2014

92 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS CITY OF BOSTON Rating Territory Statistical Code Definition BOSTON CENTRAL - (Zip Codes , 02123, 02133, 02199, 02201, 02202, 02203, 02210, 02215, 02241) BRIGHTON - (Zip Codes 02134, 02135, 02163) CHARLESTOWN - EAST BOSTON - (Zip Codes 02128, 02129) DORCHESTER - (North Dorchester and South Dorchester) - (Zip Codes 02122, 02124, 02125, 02126) 21* 819 EAST BOSTON - CHARLESTOWN - (Zip Codes 02128, 02129) HYDE PARK - (Zip Codes 02136, 02137) JAMAICA PLAIN - (Zip Code 02130) ROSLINDALE - (Zip Code 02131) ROXBURY - (Including parts of Dorchester) (Zip Codes 02119, 02120, 02121) SOUTH BOSTON - (Zip Code 02127) WEST ROXBURY (Zip Code 02132) The following list contains subdivisions of Boston with territorial schedules and statistical codes: Name Rating Territory Statistical Code Allston - (Brighton) Mattapan - (Dorchester - North) Readville - (Hyde Park) *A portion of postal zip code district falls in Hyde Park (Territory 20) and should be rated as such. The correct border between South Dorchester and Hyde Park is as follows: Southeast, then East on Cummins Highway, Southwest on Rugby Road (1 block), Southeast on Greenfield Road, short stretch Southwest on River Street, Southeast on Mattakeeset St. to Neponset River. Border goes down the middle of these streets. The following list contains Out of State Territorial Schedules and Statistical Codes Rating Statistical Location Territory Code Connecticut * 991 Maine * 992 New Hampshire * 993 New York * 994 Rhode Island * 995 Vermont * 996 Other * 999 * Rating territory in which the automobile is registered. T-2 Effective 10/02/2014

93 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code A ABINGTON ACTON ACUSHNET ADAMS AGAWAM ALFORD AMESBURY AMHERST ANDOVER ARLINGTON ASHBURNHAM ASHBY ASHFIELD ASHLAND ATHOL ATTLEBORO AUBURN AVON AYER B BARNSTABLE BARRE BECKET BEDFORD BELCHERTOWN BELLINGHAM BELMONT BERKLEY BERLIN BERNARDSTON BEVERLY BILLERICA BLACKSTONE BLANDFORD BOLTON BOSTON CENTRAL - (Zip Codes , 02123, 02133, 02199, 02201, 02202, 02203, 02210, 02215, 02241) BOURNE BOXBOROUGH BOXFORD BOYLSTON T-3 Effective 10/02/2014

94 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code B (cont.) BRAINTREE BREWSTER BRIDGEWATER BRIGHTON - Boston (Zip Codes 02134, 02135, 02163) BRIMFIELD BROCKTON BROOKFIELD BROOKLINE BUCKLAND BURLINGTON C CAMBRIDGE CANTON CARLISLE CARVER CHARLEMONT CHARLESTOWN - Boston (Zip Codes 02128, 02129) CHARLTON CHATHAM CHELMSFORD CHELSEA CHESHIRE CHESTER CHESTERFIELD CHICOPEE CHILMARK CLARKSBURG CLINTON COHASSET COLRAIN CONCORD CONWAY CUMMINGTON D DALTON DANVERS DARTMOUTH DEDHAM DEERFIELD DENNIS T-4 Effective 10/02/2014

95 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code D (cont.) DIGHTON DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) DOUGLAS DOVER DRACUT DUDLEY DUNSTABLE DUXBURY E EAST BOSTON - Boston (Zip Codes 02128, 02129) EAST BRIDGEWATER EAST BROOKFIELD EASTHAM EASTHAMPTON EAST LONGMEADOW EASTON EDGARTOWN EGREMONT ERVING ESSEX EVERETT F FAIRHAVEN FALL RIVER FALMOUTH FITCHBURG FLORIDA FOXBOROUGH FRAMINGHAM FRANKLIN FREETOWN G GARDNER GAY HEAD GEORGETOWN GILL GLOUCESTER GOSHEN GOSNOLD GRAFTON T-5 Effective 10/02/2014

96 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code G (cont.) GRANBY GRANVILLE GREAT BARRINGTON GREENFIELD GROTON GROVELAND H HADLEY HALIFAX HAMILTON HAMPDEN HANCOCK HANOVER HANSON HARDWICK HARVARD HARWICH HATFIELD HAVERHILL HAWLEY HEATH HINGHAM HINSDALE HOLBROOK HOLDEN HOLLAND HOLLISTON HOLYOKE HOPEDALE HOPKINTON HUBBARDSTON HUDSON HULL HUNTINGTON HYDE PARK - Boston (Zip Codes 02136, 02137) I IPSWICH J JAMAICA PLAIN - Boston (Zip Code 02130) K KINGSTON T-6 Effective 10/02/2014

97 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code L LAKEVILLE LANCASTER LANESBOROUGH LAWRENCE LEE LEICESTER LENOX LEOMINSTER LEVERETT LEXINGTON LEYDEN LINCOLN LITTLETON LONGMEADOW LOWELL LUDLOW LUNENBURG LYNN LYNNFIELD M MALDEN MANCHESTER MANSFIELD MARBLEHEAD MARION MARLBOROUGH MARSHFIELD MASHPEE MATTAPOISETT MAYNARD MEDFIELD MEDFORD MEDWAY MELROSE MENDON MERRIMAC METHUEN MIDDLEBOROUGH MIDDLEFIELD MIDDLETON T-7 Effective 10/02/2014

98 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code M (cont.) MILFORD MILLBURY MILLIS MILLVILLE MILTON MONROE MONSON MONTAGUE MONTEREY MONTGOMERY MOUNT WASHINGTON N NAHANT NANTUCKET NATICK NEEDHAM NEW ASHFORD NEW BEDFORD NEW BRAINTREE NEWBURY NEWBURYPORT NEW MARLBOROUGH NEW SALEM NEWTON NORFOLK NORTH ADAMS NORTHAMPTON NORTH ANDOVER NORTH ATTLEBORO NORTHBOROUGH NORTH BROOKFIELD NORTHBRIDGE NORTH DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) NORTHFIELD NORTH READING NORTON NORWELL NORWOOD O OAK BLUFFS T-8 Effective 10/02/2014

99 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code O (cont.) OAKHAM ORANGE ORLEANS OTIS OXFORD P PALMER PAXTON PEABODY PELHAM PEMBROKE PEPPERELL PERU PETERSHAM PHILLIPSTON PITTSFIELD PLAINFIELD PLAINVILLE PLYMOUTH PLYMPTON PRINCETON PROVINCETOWN Q QUINCY R RANDOLPH RAYNHAM READING REHOBOTH REVERE RICHMOND ROCHESTER ROCKLAND ROCKPORT ROSLINDALE - Boston (Zip Code 02131) ROWE ROWLEY ROXBURY - Boston (Zip Codes 02119, 02120, 02121) ROYALSTON RUSSELL RUTLAND T-9 Effective 10/02/2014

100 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code S SALEM SALISBURY SANDISFIELD SANDWICH SAUGUS SAVOY SCITUATE SEEKONK SHARON SHEFFIELD SHELBURNE SHERBORN SHIRLEY SHREWSBURY SHUTESBURY SOMERSET SOMERVILLE SOUTHAMPTON SOUTHBOROUGH SOUTH BOSTON - Boston (Zip Code 02127) SOUTHBRIDGE SOUTH HADLEY SOUTHWICK SPENCER SPRINGFIELD STERLING STOCKBRIDGE STONEHAM STOUGHTON STOW STURBRIDGE SUDBURY SUNDERLAND SUTTON SWAMPSCOTT SWANSEA T TAUNTON TEMPLETON TEWKSBURY T-10 Effective 10/02/2014

101 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code T (cont.) TISBURY TOLLAND TOPSFIELD TOWNSEND TRURO TYNGSBOROUGH TYRINGHAM U UPTON UXBRIDGE W WAKEFIELD WALES WALPOLE WALTHAM WARE WAREHAM WARREN WARWICK WASHINGTON WATERTOWN WAYLAND WEBSTER WELLESLEY WELLFLEET WENDELL WENHAM WESTBOROUGH WEST BOYLSTON WEST BRIDGEWATER WEST BROOKFIELD WESTFIELD WESTFORD WESTHAMPTON WESTMINSTER WEST NEWBURY WESTON WESTPORT WEST ROXBURY - Boston (Zip Code 02132) WEST SPRINGFIELD T-11 Effective 10/02/2014

102 GEICO INDEMNITY COMPANY TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code W (cont.) WEST STOCKBRIDGE WEST TISBURY WESTWOOD WEYMOUTH WHATELY WHITMAN WILBRAHAM WILLIAMSBURG WILLIAMSTOWN WILMINGTON WINCHENDON WINCHESTER WINDSOR WINTHROP WOBURN WORCESTER WORTHINGTON WRENTHAM Y YARMOUTH T-12 Effective 10/02/2014

103 GEICO INDEMNITY - MOTORCYCLE Territories & Territory Groups MASSACHUSETTS New Business Effective: E 10/02/2014 Territory Territory Group Page 1

104 72 3 Page 1

105 GEICO INDEMNITY - MOTORCYCLE Base Rates MASSACHUSETTS New Business Effective: E 10/02/2014 Territory Group BI PD Med Pay PIP UM UIM COMP COLL LTD COLL ERS Limit/Ded 20/40 5M 500 8M 20/40 20/ Page 2

106 GEICO INDEMNITY - MOTORCYCLE Underwriting Program MASSACHUSETTS New Business Effective: E 10/02/2014 Underwriting Factor Tier Page 3

107 GEICO INDEMNITY - MOTORCYCLE Driving Experience Factors MASSACHUSETTS New Business Effective: E 10/02/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists *** OOR = Minimum Years a Motorcycle has been Owned, Operated, and Registered. BI PD MP PIP *COLL COMP **UM ***OOR Auto Years Licensed Page 4

108 GEICO INDEMNITY - MOTORCYCLE Increased Limits and Deductibles MASSACHUSETTS New Business Effective: E 10/02/2014 Full Name Amount Factor Bodily Injury 20/40 Compulsory /40 Optional / / / / / / / / / / / Property Damage 5M M M M M M M M 1.32 Medical Payments M M M M 7.50 PIP Non-Deductible 1.00 Uninsured Motorists 20/ / / / / / / / / / / / Underinsured Motorists 20/ / / / / / / / / / / / Comprehensive M 0.68 Collision M /W /W M/W 0.61 Limited Collision Non-Deductible M 0.53 Page 5

109 GEICO INDEMNITY - MOTORCYCLE Vehicle Category MASSACHUSETTS New Business Effective: E 10/02/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Vehicle Category Vehicle Category Name Coverage Code BI PD Med Pay **UM COMP *COLL 0 High Perf B, cc High Perf B, cc High Perf B, cc High Perf B, 951+ cc Utility ATV, cc Utility ATV, 370+ cc Sport ATV, all cc sizes Custom 2, all cc sizes Harley Tour A, all cc sizes A Harley Tour B, all cc sizes B Harley Cruisers, cc C Harley Cruisers, cc D Harley Cruisers, cc E Harley Sportsters, cc F Harley Sportsters, 951+ cc G Tour, Non-Harley, cc H Tour, Non-Harley, cc I Sport Tour, all cc sizes J Cruisers, Non-Harley, cc K Cruisers, Non-Harley, cc L Cruisers, Non-Harley, cc M Cruisers, Non-Harley, cc N Regular, cc O Regular, cc P Regular, cc Q Regular, cc R Regular, cc S Regular, 951+ cc T Custom 1, all cc sizes U Sport A, cc V Sport A, 751+ cc W Sport B, all cc sizes X High Perf A, cc Y High Perf A, cc Z High Perf A, 851+ cc Page 6

110 GEICO INDEMNITY - MOTORCYCLE Vehicle Age Factors MASSACHUSETTS New Business Effective: E 10/02/2014 Vehicle Age Group Coverage Name COMP *COLL * Limited Collision uses same factors as Collision Page 7

111 GEICO INDEMNITY - MOTORCYCLE CC Displacement Factors MASSACHUSETTS New Business Effective: E 10/02/2014 *These factors are used in the calculation of the accessory coverage. CC Displacement FACTOR Over Page 8

112 GEICO INDEMNITY - MOTORCYCLE Merit Factors MASSACHUSETTS New Business Effective: E 10/02/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Number of Points Driving Record Sub- Classification Bodily Injury Property Damage *Collision Comprehensive Medical Payments **Uninsured Motorist 0 Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class ***16 Sub-Class *** 0.50 will be added to the 16 Point, Sub-Class 8 factor for every point in excess of 16 Page 9

113 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 10/02/2014 RATE GEN 01 Rate Order of Calculations Darkened cells do not apply. OperStep Round BI PD MED PAY PIP UM UIM Base Rate X X X X X X * Underwriting Program/Tier Factor Dime X X X X X X * Driver Experience Factor Dime X X X X X X * Increased Limit Factor Dime X X X X X * Deductible Factor Dime X * Renewal/Transfer Discount Penny X X X X X X * Dual Policy Discount Dime X X X X X X * Multi-Cycle Discount Dime X X X X X X * Defensive Driver Discount Dime * Military Safety Course Discount or Instructor Discount or Dime X X X X X X Motorcycle Safety Course Discount * 65+ Discount Dime X X X X X X * Excellent Driver Discount or Excellent Driver Plus Discount Dime X X X X X X * Accident/Violation Rating Dime X X X X X X * Vehicle Category Factor Dime X X X X X X * Paid in Full Discount Dime X X X X X X + Expense Fee Dime * Term Factor Dime X X X X X X Page 10

114 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 10/02/2014 Rate Order of Calculations Darkened cells do not apply. Oper Step Round COMP COLL LTD COLL Base Rate X X X * Underwriting Program/Tier Factor Dime X X X * Driver Experience Factor Dime X X X * Vehicle Category Factor Dime X X X * Vehicle Age Factor Dime X X X + Final Accessory Factor - X X X Base Rate X X X *Underwriting Program Factor Dime X X X *Driver Experience Factor Dime X X X *Vehicle Category Factor Dime X X X /CC Factors Penny X X X *Accessory Coverage Symbol Code Dime X X X * Deductible Factor Dime X X X * Renewal/Transfer Discount Penny X X X * Dual Policy Discount Dime X X X * Multi-Cycle Discount Dime X X X * Anti-Theft Discount Dime X * Defensive Driver Discount Dime * Military Safety Course Discount or Instructor Discount or Dime X X X Motorcycle Safety Course Discount * 65+ Discount Dime X X X * Excellent Driver Discount or Excellent Driver Plus Discount Dime X X X * Accident/Violation Rating Dime X X X * Paid in Full Discount Dime X X X + Expense Fee Dime * Term Factor Dime X X X Page 11

115 ERS X X X X Page 11

116 4608 Willard Avenue, Chevy Chase, MD NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM As of 12:01 a.m. local time your policy will cancel due to nonpayment of your premium. Keep your policy active by submitting a payment of the past-due amount prior to the cancellation effective date. The policy will not be cancelled if you pay the full past-due amount before the cancellation date. All payments are subject to normal collection and will be applied to the oldest debt on the policy. Note: A partial payment will not void this cancellation notice. Please submit a payment immediately to prevent the cancellation of your policy. Due Payment Schedule Amount Pay now using one of these methods: * Log in to mypolicy.geico.com -- the fastest and easiest way to maintain coverage and avoid a lapse in your insurance protection. * Call to use our automated PhonePay system. Have your checking account information handy. * Mail your payment. It must be postmarked before the cancellation date to avoid a lapse. Checks should be made payable to GEICO. If your payment and this notice have crossed in the mail, please disregard this notice and accept our thanks. If you have not sent in your payment, please do so now. You may also track the status of your payment(s) at any time on mypolicy.geico.com. Remember -- Your payment must be made by the above mentioned date and time to ensure continuous coverage. Thank you for your business. We look forward to continuing to serve your insurance needs for years to come. Remember - Your last full day of coverage is the day immediately before the cancellation date. Pol. #: Please detach and return the bottom portion with your payment made payable to GEICO in the enclosed envelope. Pol. #: NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM Notice Date: Canc. Date: Current Balance ONE GEICO PLAZA Bethesda, MD U44MADPMC (04-14) Page 1 of 2

117 IMPORTANT NOTICE TO POLICYHOLDERS: Please read carefully the information below which outlines your legal rights relative to this cancellation. INFORMATION ABOUT MINIMUM INSURANCE REQUIREMENTS Massachusetts law requires that every motor vehicle registered in Massachusetts carry minimum motor vehicle liability insurance. The Registrar of Motor Vehicles will revoke your registration and license plates on the effective date of cancellation shown in this notice unless: 1. We reinstate your required minimum motor vehicle insurance; or 2. Before the date of cancellation shown in this notice you obtain minimum motor vehicle insurance from another insurance company. The new company must notify the Registrar before the date of cancellation in this notice that it has insured your motor vehicle. If you are unable to obtain motor vehicle insurance from another insurance company, you may be eligible to obtain motor vehicle insurance through the Massachusetts residual market plan. Almost all insurance agents and all insurance companies are authorized to help you apply for motor vehicle insurance through the plan. If you apply for motor vehicle insurance through the plan, you will not be able to choose an insurer, but you will be assigned to an insurance company. In some cases, you may not be able to obtain coverage through the plan that is identical to the coverage that was not renewed; or 3. Before the effective date of the cancellation shown in this notice you file with the Commissioner of Insurance a written complaint on a form prescribed and furnished by the Commissioner of Insurance. The form is available on the Division of Insurance website by searching "Cancellation Appeal Form" at or can be obtained by calling the Division's Consumer Service Section at Unless one of the three above actions occurs, the registration for your motor vehicle will be revoked on the effective date of cancellation shown in this notice. U44MADPMC (04-14) Page 2 of 2 Paying by check authorizes GEICO to send your check information electronically to your bank. Your account may be debited the same day we receive your payment. You will not receive your cancelled check, however the transaction will appear on your bank statement. If we cannot post the transaction electronically, we may present a copy of your check for payment.

118 Massachusetts Motor Vehicle Insurance Policy Please read your policy. As you read the policy, check the Coverage Selections Page to make sure it shows exactly what you intended to buy. If there is any question, call us right away. Includes Copyrighted Material from Automobile Insurers Bureau, 2008 A40MA (04-14)

119 CONTENTS Page INTRODUCTION... 1 DEFINITIONS OUR AGREEMENT... 2 COMPULSORY INSURANCE 2 Part 1. Bodily Injury To Others Part 2. Personal Injury Protection Part 3. Bodily Injury Caused By An Uninsured Auto Part 4. Damage To Someone Else's Property OPTIONAL INSURANCE 7 Part 5. Optional Bodily Injury To Others Part 6. Medical Payments Part 7. Collision Part 8. Limited Collision Part 9. Comprehensive Part 10. Emergency Road Service Part 11. Bodily Injury Caused By An Underinsured Auto GENERAL PROVISIONS AND EXCLUSIONS CANCELLATION AND RENEWAL WHEN THERE IS AN ACCIDENT OR LOSS A40MA (04-14)

120 INTRODUCTION This insurance policy is a legal contract between the policy owner ( you) and the company (we or us). It insures you and your motor vehicle for the period shown on the Coverage Selections Page. As long as you pay your premium, we agree to provide you or others the benefits to which you or they are entitled. The exact terms and conditions are explained in the following pages. There are two basic categories of insurance described in this policy, Compulsory Insurance and Optional Insurance. COMPULSORY INSURANCE There are four Parts to Compulsory Insurance. They are all required by law. Every motor vehicle registered in Massachusetts must have them. OPTIONAL INSURANCE There are eight Parts to Optional Insurance. Some of them extend the coverage or the amounts of protection provided by Compulsory Insurance. Some of them provide protection not found in Compulsory Insurance. You do not have to buy any of these eight Parts if you do not want to. Motor vehicle insurance claims arise in hundreds of different ways. Motor vehicles are sometimes stolen or damaged. Accidents may injure people occupying your motor vehicle, people in other motor vehicles or pedestrians. You may be responsible for an accident or someone else may be. An accident may happen in Massachusetts or out of state. Different situations require different kinds of insurance. Please read the whole policy to see what kinds of insurance are available to cover these different situations. At the same time, you should check the Coverage Selections Page to make sure it correctly indicates the coverages you purchased. Each coverage you purchased will be displayed along with a premium charge next to it. If a coverage is not listed for a particular vehicle or if no premium charge is shown for a coverage on a particular vehicle, you do not have the coverage. Sometimes you and we will agree to change this policy. The only way that can be done is by an Endorsement added to the basic policy form. All endorsements must be in writing. They then become part of this policy. We are pleased to have you as a customer and hope you have a safe and accident-free year. But if you need us, we are here to help you. If you have an accident or loss, or if someone sues you, contact us at Do the same if you have any questions or complaints. If you think we have treated you unfairly at any time, you may contact the Division of Insurance, (617) DEFINITIONS Throughout this policy definitions are bolded when used: 1. We, Us or Our - refers to the company issuing this policy. 2. You or Your - refers to the person(s) named in Item 1 of the Coverage Selections Page. 3. Motor vehicle- means a motorcycle or off-road vehicle. 4. Your motor vehicle - means: A. The vehicle or vehicles described on the Coverage Selections Page for which a premium is shown under the coverage selection. B. Any motorcycle, off-road vehicle or private passenger auto while used as a temporary substitute for the described motor vehicle, with the permission of the owner, while the described motor vehicle is out of normal use because of a breakdown, repair, servicing, loss or destruction. The term your motor vehicle does not include a substitute vehicle owned by you or your spouse. C. A motorcycle or off-road vehicle to which you take title or lease as a permanent replacement for a described motor vehicle or as an additional motorcycle. We provide coverage for an additional motorcycle only if you ask us to insure it within seven days after you take title or the effective date of the lease. A replacement motor vehicle or additional motorcycle must not be used for the delivery or transportation of goods or materials. 5. Motorcycle means a land motor vehicle that is designed for operation principally upon public roads and has: (a) at least two wheels; or (b) not more than three wheels and is manufactured or reconstructed from a two-wheeled motorcycle. 6. Off-road vehicle means an all-terrain vehicle, dirt bike, or EPAMD. 7. All-terrain vehicle means a self-propelled motorized vehicle formatted with four wheels or six wheels, with open-air driver s seating manufactured for sale for recreational or utilitarian use off-road or along designated trails and various unimproved terrain and only incidentally operated on public highways. A40MA (04-14) Page 1 of 21

121 8. Dirt bike means a land motor vehicle designed principally for operation off public roads that has two wheels with completely open-air driver's seating and a motorcycle hand gripped steering device. 9. Electric Personal Assistive Mobility Device (EPAMD) means a self-balancing personal transportation device with two wheels. 10. Trailer means an accessory designed to be towed by a motorcycle or off-road vehicle, if not being used for business or commercial purposes. 11. Occupying means in, upon, entering into, or getting out of. 12. Collision means the accidental upset of your motor vehicle or any physical contact of your motor vehicle with another object. 13. Household member means anyone living in your household who is related to you by blood, marriage or adoption. This includes wards, step-children or foster children. 14. Pedestrian includes anyone incurring bodily injury as a result of being struck by a motor vehicle in an accident and who is not occupying a motor vehicle at the time of the accident. OUR AGREEMENT This policy is a legal contract under Massachusetts law. Because this is a motor vehicle policy, it only covers accidents and losses which result from the ownership, maintenance or use of motor vehicles. The exact protection is determined by the coverages you purchased. We agree to provide the insurance protection you purchased for accidents that occur while this policy is in force. You agree to pay premiums when due and to cooperate with us in case of accidents or claims. Our contract consists of this policy, the Coverage Selections Page, any endorsements agreed upon, and your application for insurance. Oral promises or statements made by you or us are not part of this policy. There are many Massachusetts laws relating to motor vehicle insurance. We and you must and do agree that, when those laws apply, they are part of this policy. COMPULSORY INSURANCE There are four Parts to Compulsory Insurance. They are called Compulsory Insurance because Massachusetts law requires you to buy all of them before you can register your motor vehicle. No law requires you to buy more than this Compulsory Insurance. However, if you have financed your motor vehicle, the bank or finance company may legally insist that you have some Optional Insurance as a condition of your loan. The amount of your coverage and the cost of each Part is shown on the Coverage Selections Page. Your Compulsory Insurance does not pay for any damage to your motor vehicle. PART 1 - BODILY INJURY TO OTHERS Under this Part, we will pay damages to people injured or killed by your motor vehicle in Massachusetts accidents. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. We will not pay for punitive or exemplary damages. We will pay only if you or someone else using your motor vehicle with your consent is legally responsible for the accident. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is $20,000. Subject to this $20,000 limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is $40,000. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. We will not pay or defend: 1. For injuries to guest occupants of your motor vehicle. 2. For injuries caused by anyone occupying an off-road vehicle. 3. For accidents outside of Massachusetts or in places in Massachusetts where the public has no right of access. 4. For injuries to any employees of the legally responsible person if they are entitled to Massachusetts workers compensation benefits. The law provides a special protection for anyone entitled to damages under this Part. We must pay their claims even if false statements were made when applying for this policy or your motor vehicle registration. We must also pay even if you or the legally responsible person fails to cooperate with us after the accident. We will, however, be entitled to reimbursement from the person who did not cooperate or who made any false statements. If a claim is covered by us and also by another company authorized to sell motor vehicle insurance in Massachusetts, we will pay only our proportionate share. If someone covered under this Part is using a motor vehicle he or she does not own at the time of the accident, the owner's motor vehicle insurance must pay its limits before we pay. Then, we will pay, up to the limits shown on your Coverage Selections Page, for any damages not covered by that insurance. A40MA (04-14) Page 2 of 21

122 COMPULSORY INSURANCE (CONTINUED) ACTION AGAINST US No person alleging coverage under Part 1. Bodily Injury To Others may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 1. Bodily Injury To Others unless the person alleging coverage has fully complied with all the policy's terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 1. Bodily Injury To Others, has a right under this policy to make us a defendant in an action to determine the person's liability. Bankruptcy or insolvency of the person alleging coverage under Part 1. Bodily Injury To Others or of his estate will not relieve us of our obligations. A40MA (04-14) Page 3 of 21 PART 2 - PERSONAL INJURY PROTECTION IMPORTANT NOTICE ABOUT PERSONAL INJURY PROTECTION: THE COVERAGE PROVIDED DOES NOT INCLUDE PERSONAL INJURY PROTECTION FOR OWNERS, OPERATORS OR GUESTS OF MOTORCYCLES OR OFF-ROAD VEHICLES WHO SUFFER BODILY INJURY WHILE OPERATING OR RIDING AS A GUEST UPON SUCH VEHICLES. The benefits under this Part are commonly known as No-Fault benefits. It makes no difference who is legally responsible for the accident. We will pay the benefits described below to you and other people injured or killed in motor vehicle accidents. For any one accident, we will pay as many people as are injured, but the most we will pay for injuries to any one person is $8,000. This is the most we will pay no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. We will pay three kinds of benefits: A. Medical Expenses We will pay all reasonable expenses incurred as a result of the accident for necessary medical, surgical, X-ray and dental services. This includes prosthetic devices. It also includes ambulance, hospital, professional nursing and funeral services. B. Lost Wages If an injured person is out of work because of the accident, we will pay lost wages up to 75% of his or her average weekly gross wage or equivalent for the year ending on the day immediately before the accident. We will not pay for the loss of any other type of income. If the injured person was unemployed at the time of the accident, we will pay up to 75% of the amount he or she actually lost in earning power as a result of the accident. C. Replacement Services We will reimburse the injured person for reasonable payments made to anyone outside his or her household for necessary services that he or she would have performed without pay for the benefit of the household, had he or she not been injured. We will pay PIP benefits to or for: 1. You or a household member if injured while occupying a motor vehicle, other than a motorcycle or an off-road vehicle, which does not have Massachusetts Compulsory Insurance or if struck as a pedestrian by a motor vehicle which does not have Massachusetts Compulsory Insurance. 2. Any pedestrian, including you, if struck by your motor vehicle in Massachusetts or any Massachusetts resident who, while a pedestrian, is struck by your motor vehicle outside of Massachusetts. Benefits are paid only for expenses or losses actually incurred within two years after the accident. If the accident is in Massachusetts, or if it is outside Massachusetts and the injured person does not sue for damages, we will pay benefits within a reasonable time usually thirty days. If the accident is outside Massachusetts and the injured person does sue, then we can wait for a settlement or judgment before paying benefits. Some people have a wage continuation program at work. If so, we will pay them only the difference between the total we would ordinarily pay under this Part and the amount of the program payments. We will, however, reimburse the program if it allows benefits to be converted into cash or additional retirement credit. Sometimes program benefits are reduced or used up because of payments to the person injured in an accident. In that case, we will pay for lost wages resulting from any other illness or injury that person has within one year of our last payment. The exact amount of our payments under this paragraph will be determined by Massachusetts law. Some people have a policy of health, sickness, or disability insurance or a contract or agreement with a group, organization partnership or corporation to provide, pay for, or reimburse the cost of medical expenses ( health plan ). If so, we will pay up to $2,000 of medical expenses for any injured person. We will also pay medical expenses in excess of $2,000 for such injured person which

123 COMPULSORY INSURANCE (CONTINUED) will not be paid by a health plan. Medical expenses must be submitted to the health plan to determine what the health plan will pay before we pay benefits in excess of $2,000 under this Part. We will not pay for medical expenses in excess of $2,000 that the health plan would have paid had the injured person sought treatment in accordance with the requirements of the health plan. In any case, our total payment for medical expenses, lost wages and replacement services will not exceed $8,000. Within two years after an accident, we may, at our option, pay the cost of renewing or continuing in force a policy of health, sickness or disability insurance for anyone covered under this Part who is unwilling or unable to pay such cost. Our payment will not exceed the cost of renewing or continuing such policy for a period of two years after the accident. Also, our payment will not operate to reduce the benefits otherwise payable under this Part. We will not pay PIP benefits to or for: 1. Anyone who, at the time of the accident, was operating or occupying a motorcycle, any motor vehicle not subject to motor vehicle registration, or a motorized bicycle, including a moped. 2. Anyone who contributed to his or her injury by operating a motor vehicle: (a) while under the influence of alcohol, marijuana, or a narcotic drug, (b) while committing a felony or seeking to avoid arrest by a police officer, or (c) with the specific intent of causing injury to himself, herself or others. 3. Anyone who is entitled to benefits under any workers compensation law for the same injury. We will not pay PIP benefits to or for an injured person, to the extent those benefits would duplicate expenses or losses recovered by that person in a court judgment or settlement. If anyone covered under this policy is also entitled to PIP benefits from any other motor vehicle policy, the total benefits payable will not be more than the highest amount payable under whichever one of the policies would have paid the most. In that case, each insurer will pay only its proportionate share. We will not pay benefits under this Part which duplicate payments made under the No-Fault coverage of any other motor vehicle policy. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 2. Personal Injury Protection, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. PART 3 - BODILY INJURY CAUSED BY AN UNINSURED AUTO Sometimes an owner or operator of a motor vehicle legally responsible for an accident is uninsured. Some accidents involve unidentified hit-and-run motor vehicles. Under this Part, we will pay damages for bodily injury to people injured or killed in certain accidents caused by uninsured or hit-and-run motor vehicles. We will pay only if the injured person is legally entitled to recover from the owner or operator of the uninsured or hit-and-run motor vehicle. We will pay for hit-and-run accidents only if the owner or operator causing the accident cannot be identified. Sometimes the company insuring the motor vehicle responsible for an accident will deny coverage or become insolvent. We consider such a motor vehicle to be uninsured for purposes of this Part. However, we do not consider a motor vehicle owned by a governmental unit which is self-insured, or by someone who is legally self-insured, to be an uninsured motor vehicle. This Part is Compulsory. You must have limits of $20,000 per person and $40,000 per accident. However, you may want to buy more protection. If so, we must sell you limits up to $35,000 per person and $80,000 per accident, provided you have purchased at least these limits for Part 5. Higher limits may be purchased if agreed upon by you and by us. We will pay damages to or for: 1. You, while occupying your motor vehicle, while occupying any motorcycle or private passenger auto you or a household member do not own, or if injured as a pedestrian. 2. Any household member, while occupying your motor vehicle, while occupying any motorcycle or private passenger auto not owned by you or a household member or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts motor vehicle policy of his or her own or who is covered by any Massachusetts motor vehicle policy of another household member providing uninsured motor vehicle insurance with higher limits. 3. Anyone else while occupying your motor vehicle. We will not pay damages to or for anyone else who has a Massachusetts motor vehicle policy of his or her own, or who is covered by any Massachusetts motor vehicle policy of another household member providing uninsured motor vehicle insurance. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. A40MA (04-14) Page 4 of 21

124 COMPULSORY INSURANCE (CONTINUED) Coverage for off-road vehicles under this Part only applies if the accident occurs on a public road. If you are injured while occupying your motor vehicle and you have two or more motor vehicles insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for your motor vehicle you are occupying when injured. If you are injured as a pedestrian or while occupying any motor vehicle you do not own, and you have two or more Massachusetts motor vehicle policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for you, if struck by, or while occupying a motor vehicle you own and which does not have Massachusetts compulsory motor vehicle insurance. Likewise, we will not pay damages to or for any household member if struck by, or while occupying a motor vehicle owned by that household member which does not have Massachusetts compulsory motor vehicle insurance. We will not pay for punitive or exemplary damages. The most we will pay for damages to or for anyone injured in the following situations is $35,000 per person and $80,000 per accident or the limits you purchased, whichever is less: 1. Anyone injured while occupying your motor vehicle while it is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in an expense reimbursement program either as a volunteer or at work. 2. Anyone injured while using a motor vehicle without the consent of the owner. 3. Anyone injured while using a motor vehicle in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. We will reduce the damages an injured person is entitled to recover by: 1. The amount recovered from any legally responsible person. 2. The amount paid under a workers compensation law or similar law. 3. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts motor vehicle policy. We will pay the balance of the damages up to the limits shown for this Part on your Coverage Selections Page. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of the damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without our written consent. We will not, however, unreasonably withhold our consent. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the per person limit. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the per accident limit. This is the most we will pay as the result of a single accident. The limits of two or more motor vehicles or policies shall not be added together, combined, or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of motor vehicles involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicate payments under the uninsured motor vehicle insurance of any other motor vehicle policy. This Part will not benefit any insurer or self-insurer under a workers compensation law or any similar law. ACTION AGAINST US No person alleging coverage under Part 3. Bodily Injury Caused By An Uninsured Auto, may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 3. Bodily Injury Caused By An Uninsured Auto, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. A40MA (04-14) Page 5 of 21

125 COMPULSORY INSURANCE (CONTINUED) If a person alleging coverage commences action against the owner or operator of an uninsured motor vehicle to recover damages for loss arising out of the accident and gives us written notice of such action within 30 days after such action is commenced, an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, may be brought more than two years after the date the cause of action accrues, but in no event later than the earliest of the following to occur: A. two years after entry of a final judgment or other court order terminating such lawsuit against the owner or operator of an uninsured motor vehicle; or B. two years after we deny coverage. If any person alleging coverage sues a person believed responsible for the accident without our written consent, we are not bound by any resulting judgment. PART 4 - DAMAGE TO SOMEONE ELSE'S PROPERTY Under this Part, we will pay damages to someone else whose motor vehicle or other property is damaged in an accident. The damages we will pay are the amounts that person is legally entitled to collect for property damage through a court judgment or settlement. We will pay only if you or a household member is legally responsible for the accident. We will also pay if someone else using your motor vehicle with your consent is legally responsible for the accident. Damages include any applicable sales tax and the costs resulting from the loss of use of the damaged property. The following are not covered: A. The United States of America or any of its agencies. B. Any person while using a motor vehicle in the course of his employment by the United States Government if the Federal Tort Claim Act requires the Attorney General of the United States to defend that person in any civil action or proceeding for bodily injury or property damage, whether or not the accident has been reported to the United States or the Attorney General. C. The Commonwealth of Massachusetts or any of its agencies. We will not pay for property damage which occurs: 1. While your motor vehicle is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in an expense reimbursement program either as a volunteer or at work. 2. While any motor vehicle is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing or parking motor vehicles. This exclusion does not apply to the ownership, maintenance or use of your motor vehicle by you or a household member. 3. While anyone is using any motor vehicle in the course of any business. 4. While a household member is using a motor vehicle which you or any household member owns or uses regularly unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 5. While you are using a motor vehicle which you or a household member owns or uses regularly unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 6. To a motor vehicle or other property owned by you or the legally responsible person. Similarly, we will not pay for damage to a motor vehicle or other property, except for a private residence or garage, which you or the legally responsible person rents or has in his or her care. 7. When the property damage is caused by anyone using a motor vehicle without the consent of the owner. The most we will pay for damage resulting from any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. If someone covered under this Part is using a motor vehicle he or she does not own at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on the Coverage Selections Page. However, if the claim is covered by us and another motor vehicle policy, we will pay only our proportionate share of those damages not paid by the owner s motor vehicle insurance. Under this Part, we may have to pay for property damage even if you or the legally responsible person fails to give us prompt notice of the accident. In that case we may be entitled to reimbursement from that person. This Part is Compulsory. You must have limits of at least $5,000. However, you may want to buy more protection. Higher limits may be purchased if agreed upon by you and by us. However, $5,000 is the most we will pay for property damage caused by a motor vehicle covered under this Part which is being operated in any racing, speed, stunting or A40MA (04-14) Page 6 of 21

126 COMPULSORY INSURANCE (CONTINUED) demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. ACTION AGAINST US No person alleging coverage under Part 4. Damage To Someone Else s Property may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 4. Damage To Someone Else s Property unless the person alleging coverage has fully complied with all the policy s terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 4. Damage To Someone Else s Property, has a right under this policy to make us a defendant in an action to determine the person s liability. Bankruptcy or insolvency of the person alleging coverage under Part 4. Damage To Someone Else s Property or of his estate will not relieve us of our obligations. OPTIONAL INSURANCE There are eight separate Parts to Optional Insurance. They are called Optional Insurance because they are not required by law. The amount of insurance and cost of any of these Parts you purchased is shown on the Coverage Selections Page. With the exception of Emergency Road Service (Part 10), we must sell you any or all of the Optional coverages you wish, subject to certain deductibles and limits specified in Massachusetts law. However, Massachusetts law provides that we may refuse to sell Collision (Part 7) and Comprehensive (Part 9), or both, in certain specified instances. Because two of the Optional coverages Collision (Part 7) and Limited Collision (Part 8) duplicate each other in many ways, you may buy one of them but not both. If you do not buy either one, you still have the right to sue people who damage your motor vehicle but we will not provide any assistance to you for any direct and accidental damage to your motor vehicle caused by a collision under this policy. Throughout Optional Insurance the following definitions apply: Actual cash value is the value of a motor vehicle based on a consideration of all the following factors: (a) The retail book value for a motor vehicle of like kind and quality, but for the damage incurred; (b) The price paid for the vehicle plus the value of prior improvements to the motor vehicle at the time of the accident, less appropriate depreciation; (c) The decrease in value of the motor vehicle resulting from prior unrelated damage which is detected by the appraiser; and (d) The actual cost of purchase of an available motor vehicle of like kind and quality but for the damage sustained. Betterment is improvement of the motor vehicle or property to a value greater than its pre-loss condition. Custom parts or equipment means equipment, devices, enhancements and changes, other than those which are original manufacturer installed, which are permanently installed or attached, or alter the appearance or performance of your motorcycle. This includes, but is not limited to: (a) Non-Stock sidecars; (b) Trike conversion kits; (c) Paint; (d) Electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or to play back recorded media. Custom parts or equipment also includes a trailer that is attached to or detached from your motor vehicle or a non-owned motor vehicle. We will not pay under any of the Optional coverages: 1. If the accident happens while your motor vehicle is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in a reimbursement program either as a volunteer or at work. 2. For loss to custom parts or equipment, in excess of $2,000, unless the existence of those custom parts or equipment has been previously reported to us and an endorsement to the policy has been added. 3. For loss or damage to equipment designed for the detection or avoidance of any law enforcement speed measuring device. This does not apply to electronic equipment designed solely for safety warning systems. 4. For injury or damage that is intentionally caused by you, a household member or anyone else using your motor vehicle with your consent. A40MA (04-14) Page 7 of 21

127 OPTIONAL INSURANCE (CONTINUED) 5. While any motor vehicle is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing, or parking motor vehicles. This exclusion does not apply to the ownership, maintenance or use of your motor vehicle by you or a household member. 6. While anyone is using any motor vehicle in the course of any business. PART 5 - OPTIONAL BODILY INJURY TO OTHERS Under this Part, we will pay damages to people injured or killed in accidents if you or a household member is legally responsible for the accident involving your motor vehicle or a motorcycle not owned by you. We will also pay damages if someone else using your motor vehicle with your consent is legally responsible for the accident. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. This Part is similar to Compulsory Bodily Injury To Others (Part 1). Like the Compulsory Part, this Part pays for accidents involving your motor vehicle in Massachusetts. Also like the Compulsory Part, this Part does not pay for the benefit of anyone using a motor vehicle without the consent of the owner. Unlike the Compulsory Part, this Part does provide coverage for injuries to guest occupants and for accidents occurring outside Massachusetts. The following are not covered: A. The United States of America or any of its agencies. B. Any person while using a motor vehicle in the course of his employment by the United States Government if the Federal Tort Claim Act requires the Attorney General of the United States to defend that person in any civil action or proceeding for bodily injury or property damage, whether or not the accident has been reported to the United States or the Attorney General. C. The Commonwealth of Massachusetts or any of its agencies. We will not pay or defend: 1. For injuries to employees of the person using the motor vehicle who are injured in the course of employment. 2. For injuries resulting from an accident while a household member is using a motor vehicle which you or any household member owns or uses regularly, unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 3. For injuries resulting from an accident while you are using a motor vehicle which you or a household member owns or uses regularly, unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 4. For any liability assumed under any contract or agreement. 5. For punitive or exemplary damages. 6. For injuries to guest occupants, unless occupying your motor vehicle or a motorcycle not owned by you, which is designed for a passenger. If the accident occurs in any other state, the District of Columbia, a United States territory or possession, or in a Canadian province and you have purchased any coverage at all under this Part, your policy will automatically apply to that accident, as follows, if the state, the District of Columbia, United States territory or possession, or Canadian province has: 1. A financial responsibility law or similar law requiring limits of liability for bodily injury or property damage higher than the limits you have purchased, your policy will provide the higher required limits. 2. A compulsory insurance or similar law requiring your motor vehicle to have insurance whenever it is used in the state, the District of Columbia, United States territory or possession, or Canadian province, your policy will provide at least the required minimum amounts and types of coverage. The limits shown for this Part on the Coverage Selections Page are the total limits you have under Compulsory Bodily Injury To Others (Part 1) and this Part. This means that the Compulsory limits are included within the limits shown on the Coverage Selections Page for this Part and are not in addition to them. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the per person limit for the motor vehicle involved in that accident. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the per accident limit for the motor vehicle involved in that accident. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. A40MA (04-14) Page 8 of 21

128 OPTIONAL INSURANCE (CONTINUED) However, if the claim is covered by us and another motor vehicle policy, we will pay only our proportionate share of those damages not paid by the owner s motor vehicle insurance. If someone covered under this Part is using a motorcycle or temporary substitute he or she does not own at the time of the accident, the owner s insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on your Coverage Selections Page. Any payments we make to anyone or for anyone under Bodily Injury Caused By An Uninsured Auto (Part 3) will reduce the amount of damages that person is entitled to recover from anyone covered under this Part. We will also pay up to $250 for the cost of bail bonds required as a result of an accident covered under this Part including bail bonds for traffic law violations related to the accident. We must sell you limits up to $35,000 per person and $80,000 per accident if you want to buy them. Higher limits may be purchased if agreed upon by you and by us. However, while any motor vehicle covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits. While a motor vehicle covered under this part is participating in an organized track event, the most we will pay is the required minimum limits. ACTION AGAINST US No person alleging coverage under Part 5. Optional Bodily Injury To Others may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 5. Optional Bodily Injury To Others unless the person alleging coverage has fully complied with all the policy s terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 5. Optional Bodily Injury To Others, has a right under this policy to make us a defendant in an action to determine the person alleging coverage liability. Bankruptcy or insolvency of the person alleging coverage under Part 5. Optional Bodily Injury To Others or of his estate will not relieve us of our obligations. PART 6 - MEDICAL PAYMENTS Under this Part, we will pay reasonable expenses for necessary medical and funeral services incurred as a result of an accident. We will pay for expenses resulting from bodily injuries to anyone occupying your motor vehicle at the time of the accident. We will also pay for expenses resulting from bodily injuries to you or any household member if struck by a motor vehicle or if occupying a motorcycle not owned by you at the time of the accident. We will not pay for expenses resulting from injuries to: 1. Anyone injured while in a vehicle which had been placed off the public roads for use as a residence. 2. Anyone injured in the course of employment in selling, servicing, repairing or parking motor vehicles if that person is entitled to workers compensation benefits. 3. Anyone employed by you or your spouse who is injured in the course of employment. This exception does not apply to any domestic employee who is not entitled to any workers compensation benefits. 4. Anyone injured while occupying a motor vehicle without a reasonable belief that he or she had the consent of the owner to do so. 5. A household member while occupying or struck by a motor vehicle owned or regularly used by you or any household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 6. You while occupying or struck by a motor vehicle owned or regularly used by you or any household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 7. Any person, if such person s conduct contributed to his bodily injury under any of the following circumstances: (a) causing bodily injury to himself intentionally; or (b) while committing a felony. 8. The United States of America or any of its Agencies as an insured, a third party beneficiary or otherwise. We will not pay for expenses incurred more than two years after the date of the accident. We will not pay under this Part for any expenses that are payable under the Personal Injury Protection coverage of this policy or any other Massachusetts motor vehicle policy. A40MA (04-14) Page 9 of 21

129 OPTIONAL INSURANCE (CONTINUED) The most we will pay for any one person as a result of any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. If someone covered under this Part is also entitled to Medical Payments coverage under another motor vehicle policy issued to you or any household member, we will pay only our proportionate share. If someone covered under this Part is using a motor vehicle he or she does not own at the time of the accident, the owner s Medical Payments insurance must pay its limit before we pay. Then, we will pay up to the limit shown on your Coverage Selections Page for any expenses not covered by that insurance. We will not pay benefits under this Part which duplicate payments made under the Medical Payments coverage of any other motor vehicle policy. We must sell you limits of $5,000 per person if you want to buy them. Higher limits or lower limits may be purchased if agreed upon by you and us. However, while a motor vehicle covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits or the limit on your Coverage Selections Page, whichever is less. While a motor vehicle covered under this part is participating in an organized track event, the most we will pay is the required minimum limits or the limit on your Coverage Selections Page, whichever is less. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 6. Medical Payments, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. PART 7 COLLISION Under this Part, we will pay for any direct and accidental damage to your motor vehicle caused by a collision. We will also pay for collision damage to a motorcycle used by you or a household member with the consent of the owner. It does not matter who is at fault. We will pay the cost to physically repair your motor vehicle or a motorcycle you do not own or any of its parts up to the actual cash value at the time of the collision and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either: (a) the actual cash value of; or (b) the cost to physically repair your motor vehicle, or a motorcycle you do not own, whichever is less. The cost to physically repair is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation or betterment and for the physical condition of the property. We will, at our option: (a) repair; (b) repair or replace any parts of; or (c) declare a total loss of your motor vehicle or a motorcycle you do not own. If the repair of a damaged part will impair the operational safety of said vehicle we will replace the part. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. We will not pay for damage to any motor vehicle which is owned or regularly used by you or a household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. We will not pay if an accident occurs while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, whether or not prearranged or organized. We will not pay if a motor vehicle is participating in an organized motor vehicle track event. We will not pay for any liability assumed under any other contract or agreement. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your motor vehicle. A40MA (04-14) Page 10 of 21

130 OPTIONAL INSURANCE (CONTINUED) We will not pay for a collision loss for an accident which occurs while your motor vehicle is being operated by a household member who is not listed as an operator on this policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on this policy because: 1. The household member would be classified as an inexperienced operator, or 2. More points would be assigned under a merit rating plan. We will not pay for damage to custom parts or equipment, other than a trailer, on your off-road vehicle. We will not pay for damage to your off-road vehicle, if the damage does not affect the structure or safe operation of your off-road vehicle. You must notify us within 60 days after a person who will operate your motor vehicle becomes a household member, if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your motor vehicle, becomes a licensed operator. If we pay for the total loss of your motor vehicle, we will suspend the Collision Coverage for that motor vehicle until it passes a Motor Vehicle Inspection Test. If a temporary substitute or a motorcycle covered under this Part is not owned by you at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay, then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 8 - LIMITED COLLISION Under this Part, we will pay in some situations for direct and accidental damage to your motor vehicle caused by a collision. We will also pay for collision damage to a motorcycle used by you or a household member with the consent of the owner. We will pay the cost to physically repair your motor vehicle or a motorcycle you do not own or any of its parts up to the actual cash value at the time of the collision and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either: (a) the actual cash value of; or (b) the cost to physically repair your motor vehicle or a motorcycle you do not own, whichever is less. The cost to physically repair is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation or betterment and for the physical condition of the property. We will, at our option: (a) repair; (b) repair or replace any parts of; or (c) declare a total loss of your motor vehicle or motorcycle you do not own. If the repair of a damaged part will impair the operational safety of said vehicle we will replace the part. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. We will not pay for damage to any motor vehicle which is owned or regularly used by you or a household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. We will not pay if an accident occurs while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. We will not pay if a motor vehicle is participating in an organized track event. A40MA (04-14) Page 11 of 21

131 OPTIONAL INSURANCE (CONTINUED) We will not pay for any liability assumed under any other contract or agreement. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your motor vehicle. We will not pay for damage to custom parts or equipment, other than a trailer, on your off-road vehicle. We will not pay for damage to your off-road vehicle if the damage does not affect the structure or safe operation of your off-road vehicle. We will not pay for a loss for an accident which occurs while your motor vehicle is being operated by a household member who is not listed as an operator of this policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on this policy because: 1. The household member would be classified as an inexperienced operator, or 2. More points would be assigned under a merit rating plan. You must notify us within 60 days after a person who will operate your motor vehicle becomes a household member if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your motor vehicle, becomes a licensed operator. The protection under this Part is not as broad as under Collision coverage but the premium is considerably less. We only pay under this Part for accidents involving multiple motor vehicles in which the driver of the motor vehicle we are covering was no more than 50% at fault. We will not pay if the owner of the other motor vehicle cannot be identified. After a claim under this Part, we are required to determine whether the driver of the motor vehicle we are covering was more than 50% at fault. We will notify you of our determination. As long as the driver of the motor vehicle covered under this Part was not more than 50% at fault, his or her percentage of fault will not affect the amount of our payment. We will consider the driver of the motor vehicle covered under this Part to be no more than 50% at fault if: 1. That motor vehicle was legally parked when struck by another motor vehicle. 2. That motor vehicle was struck in the rear by another motor vehicle moving in the same direction. 3. The operator of the other motor vehicle was convicted of certain violations listed in Massachusetts law or any similar law of another state in which the accident occurs. However, we will not pay if the operator of the motor vehicle covered under this Part was also convicted of one of the same violations. 4. That driver is entitled to recover in court against an identified person for some reason other than those listed above. If we pay for the total loss of your motor vehicle, we will suspend the Limited Collision Coverage for that motor vehicle until it passes a Motor Vehicle Inspection Test. If a temporary substitute or a motorcycle covered under this Part is not owned by you at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay, then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 9 COMPREHENSIVE Under this Part, we will pay for direct and accidental damage to or loss of your motor vehicle other than damage caused by collision. We will also pay for such damage or loss to a motorcycle used by you or a household member with the consent of the owner. We will pay the cost to physically repair your motor vehicle or a motorcycle you do not own or any of its parts up to the actual cash value at the time of loss and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either: (a) the actual cash value of; or A40MA (04-14) Page 12 of 21

132 OPTIONAL INSURANCE (CONTINUED) (b) the cost to physically repair your motor vehicle or a motorcycle you do not own, whichever is less. The cost to physically repair is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation or betterment and for the physical condition of the property. We will, at our option: (a) repair; (b) repair or replace parts of; or (c) declare a total loss of your motor vehicle or motorcycle you do not own. If the repair of a damaged part will impair the operational safety of said vehicle we will replace the part. We will reimburse you for substitute transportation expenses if your motor vehicle is stolen. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. Your deductible does not apply to glass breakage. Your deductible does not apply to substitute transportation expenses following a theft. We will not pay for such damage or loss to any motor vehicle which is owned or regularly used by you or a household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. We will not pay if an accident occurs while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. This Part is not a substitute for Collision (Part 7) or Limited Collision (Part 8). We will not pay if a motor vehicle is participating in an organized track event. We will not pay for any liability assumed under any other contract or agreement. We will not pay for damage to custom parts or equipment, other than a trailer, on your off-road vehicle. We will not pay for damage to your off-road vehicle if the damage does not affect the structure or safe operation of your off-road vehicle. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your motor vehicle. We consider glass breakage when not involving other collision loss, and the following types of losses to be Comprehensive and not Collision losses: losses caused by vandalism, fire and theft, missiles, falling objects, larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, riot or contact with a bird or animal. If your motor vehicle is stolen, you must report the theft to us and the police. We will reimburse you only for transportation expenses incurred after the first 48 hours following those reports. We will not pay for transportation expenses incurred prior to that time. After that, we will reimburse you up to $25 a day to a maximum of $750. Your right to reimbursement stops on the day your motor vehicle is located or before that time if we pay you for the theft loss. If you choose not to rent a motor vehicle, we will reimburse you up to the same amount for taxicab fares, bus fares and other transportation expenses. If your motor vehicle is found, we will pay the cost of transporting it to your last address shown on the Coverage Selections Page. However, our total payment for transporting your motor vehicle and for repairs will not be more than the actual cash value of your motor vehicle. If your motor vehicle is damaged by fire, you must report the loss to us and the fire department. Massachusetts law requires that if we pay for the total loss of your motor vehicle as a result of a fire or theft, we may suspend coverage for a fire or theft loss under this Part for any replacement motor vehicle unless it is made reasonably available for our inspection within two Registry of Motor Vehicles business days following the day you acquired it. We may also raise your deductible unless you install an approved anti-theft device in the replacement motor vehicle. If a temporary substitute or a motorcycle covered under this Part is not owned by you at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay. Then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage or loss not covered by that insurance less the deductible amount you selected. A40MA (04-14) Page 13 of 21

133 OPTIONAL INSURANCE (CONTINUED) ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 10 - EMERGENCY ROAD SERVICE If you have purchased Emergency Road Service for your motorcycle, we will pay reasonable expenses you or a household member incur, or other person using your motorcycle with your permission incurs, for: 1. Mechanical labor up to one hour at the place of breakdown; 2. Lockout services up to $100 per lockout if keys to the motor vehicle are lost or broken; 3. If it will not run, towing to the nearest repair facility where the necessary repairs can be made; 4. Towing it out if it is stuck on or immediately next to a public highway; and 5. Delivery of gas, oil, loaned battery, or change of tire. WE DO NOT PAY FOR THE COST OF THE GAS, OIL, LOANED BATTERY, OR TIRE(S). This coverage is not available for off-road vehicles. OBTAINING SERVICE UNDER THIS COVERAGE You may secure service under this Part in the following manner: SIGN AND DRIVE The first method, called "sign and drive", features a toll-free number in which the insured calls a GEICO Emergency Road Service representative who will dispatch a service vendor. Upon verification of Emergency Road Service (ERS) coverage, reasonable and necessary charges for covered services provided will be automatically billed to the Company by the service vendor. The insured need only sign a receipt at the time of service which authorizes the Company to directly pay the service vendor. Any additional mileage, other fees not specifically addressed above, or lockout services in excess of $100 will be at the insured s expense. HIRED SERVICES The second method occurs when the insured does not use the sign and drive feature described above and hires services without prior approval from the Emergency Road Service (ERS) Department. Upon verification of Emergency Road Service (ERS) coverage, an insured will be reimbursed for covered services provided, up to a limit of $50. Lockout services are limited to $100. Requests for reimbursement must be accompanied by an original itemized receipt and must be submitted within three years of service. There will be a limit of one reimbursement per disablement. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. PART 11 - BODILY INJURY CAUSED BY AN UNDERINSURED AUTO Sometimes an owner or operator of a motor vehicle legally responsible for an accident is underinsured. Under this Part, we will pay damages for bodily injury to people injured or killed as a result of certain accidents caused by someone who does not have enough insurance. We will only pay if the injured person is legally entitled to recover from the owners or the operators of all underinsured motor vehicles. Such injured person has a claim under this Part when the limits for motor vehicle bodily injury liability insurance covering the owners and operators of the legally responsible motor vehicles are: 1. Less than the limits shown for this Part on your Coverage Selections Page; and 2. Not sufficient to pay for the damages sustained by the injured person. A40MA (04-14) Page 14 of 21

134 OPTIONAL INSURANCE (CONTINUED) We will pay damages to or for: 1. You, while occupying your motor vehicle, while occupying a motorcycle you do not own, or if injured as a pedestrian. 2. Any household member, while occupying your motor vehicle, while occupying a motorcycle not owned by you, or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts motor vehicle policy of his or her own or who is covered by a Massachusetts motor vehicle policy of another household member providing underinsured motor vehicle insurance with higher limits. 3. Anyone else while occupying your motor vehicle. We will not pay damages to or for anyone else who has a Massachusetts motor vehicle policy of his or her own or who is covered by a Massachusetts motor vehicle policy of another household member providing underinsured motor vehicle coverage. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. Coverage for off-road vehicles under this Part only applies if the accident occurs on a public road. If you are injured while occupying your motor vehicle and you have two or more motor vehicles insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for the motor vehicle you are occupying when injured. If you are injured while occupying your motor vehicle and have two or more Massachusetts motor vehicle policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. If you are injured as a pedestrian or while occupying a motor vehicle you do not own and have two or more Massachusetts motor vehicle policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay to or for: 1. You, while occupying a motor vehicle you own unless a premium charge is shown for that motor vehicle on your Coverage Selections Page. 2. Anyone injured while occupying your motor vehicle while it is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in an expense reimbursement program either as a volunteer or at work. 3. Anyone injured while using a motor vehicle without the consent of the owner. 4. Anyone injured while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. 5. Any household member if struck by, or while occupying a motor vehicle owned by that household member which does not have Massachusetts compulsory motor vehicle insurance. 6. Anyone injured while a motor vehicle is participating in an organized track event. 7. Punitive or exemplary damages. We will reduce the damages an injured person is entitled to recover by: 1. The total amount collected from the motor vehicle bodily injury liability insurance covering the legally responsible owners and operators of all insured motor vehicles. 2. The amount recovered from any legally responsible person provided the injured person is fully compensated for his or her damages for bodily injury. 3. The amount paid under a workers compensation law or similar law. 4. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts motor vehicle policy. If only one person sustains bodily injury, we will pay any unpaid damages up to the difference between the total amount collected from the motor vehicle bodily injury liability insurance covering the legally responsible owners and operators of all insured motor vehicles and the per person limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to one or more persons as the result of bodily injury to any one person in any one accident. Subject to the per person limit, if two or more people sustain bodily injury and are entitled to coverage under this Part, we will pay any unpaid damages up to the difference between the motor vehicle bodily injury liability insurance per accident limit covering the legally responsible owners and operators and the per accident limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a A40MA (04-14) Page 15 of 21

135 OPTIONAL INSURANCE (CONTINUED) demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without our written consent. We will not, however, unreasonably withhold our consent. The limits of two or more motor vehicles or policies shall not be added together, combined or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of motor vehicles involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicate payments under the underinsured auto insurance of any other motor vehicle policy. This Part will not benefit any insurer or self-insurer under a workers compensation law or any similar law. ACTION AGAINST US No person alleging coverage under Part 11. Bodily Injury Caused By An Underinsured Auto may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 11. Bodily Injury Caused By An Underinsured Auto, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. If a person alleging coverage commences action against the owner or operator of an underinsured motor vehicle to recover damages for loss arising out of the accident and gives us written notice of such action within 30 days after such action is commenced, an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, may be brought after two years of the date the cause of action accrues, but in no event later than the earliest of the following to occur: A. Two years after entry of a final judgment or other court order terminating such lawsuit against the owner or operator of an underinsured motor vehicle; or B. Two years after we deny coverage. If any person alleging coverage sues a person believed responsible for the accident without our written consent, we are not bound by any resulting judgment. GENERAL PROVISIONS AND EXCLUSIONS This section of the policy contains general provisions which, unless otherwise noted, apply to all your coverages. It also describes some situations in which policy benefits will not be paid. 1. Where You Are Covered Compulsory Bodily Injury To Others (Part 1) only covers accidents in Massachusetts. All the other Parts provide coverage for accidents and losses which happen in the United States or Canada. We consider United States territories and possessions and Puerto Rico to be part of the United States. We will pay for accidents and losses which happen while your motor vehicle is being transported between ports of the United States and Canada. Your motor vehicle is not covered in any other country. 2. Our Duty To Defend You And Our Right To Settle We have the right to defend any lawsuit brought against anyone covered under this policy for damages which might be payable under this policy. We also have a duty to defend any such lawsuit, even if it is without merit, but our duty to defend ends when we tender, or pay to any claimant or to a court of competent jurisdiction, with the court s permission, the maximum limits of coverage under this policy. We may end our duty to defend at any time during the course of the lawsuit, by tendering, or paying the maximum limits of coverage under the policy, without the need for a judgment or settlement of the lawsuit or a release by the claimant. We have the right to settle any claim or lawsuit as we see fit. If any person covered under this policy settles a claim or has been awarded a judgment without our consent, we will not be bound by that settlement or judgment. 3. Additional Costs We Will Pay We will pay, in addition to the limits shown for Compulsory and Optional Bodily Injury To Others (Parts 1 and 5) and Damage To Someone Else s Property (Part 4): A. Premiums on appeal bonds and premiums on bonds to release attachments for an amount up to the applicable limits you selected in any suit we defend. B. Interest calculated on that part of a judgment that is within our limit of liability and accruing after judgment, and until we pay, offer to pay, or deposit in court, the amount due under this coverage. C. Up to $50 a day for loss of earnings, but not for loss of other income, to any person covered under this policy who attends hearings or trials at our request. D. Other reasonable expenses incurred at our request. A40MA (04-14) Page 16 of 21

136 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED ) 4. What Happens If You Die If you die, we will continue coverage for the period of this policy for: A. Your spouse, if a resident of your household at your death. B. Any legal representative to the extent he or she is responsible for maintenance or use of your motor vehicle. C. Any person having proper temporary custody of your motor vehicle. 5. Our Right To Be Repaid Sometimes we may make a payment under this policy to you or to someone else who has a separate legal right to recover damages from others. In that case, those legal rights may be exercised by us. Anyone receiving payment under those circumstances must do nothing to interfere with those rights. He or she must also do whatever is necessary to help us recover for ourselves up to the amount we have paid. If we then recover more than we paid, we will pay that person the excess, less his or her proportionate share of the costs of recovery, including reasonable attorneys fees. Any amount recovered, because of a payment we make under Part 3 or Part 11 of this policy shall first be applied to any unpaid damages due that person. Such unpaid damages must be a part of a claim settled with our consent or a part of a judgment resulting from a lawsuit brought with our written consent. Any balance then remaining shall be applied to the amounts we have paid under Part 3 or Part 11. We will reduce the amount we will pay that person by his or her proportionate share of the costs of recovery including reasonable attorneys fees. Sometimes you or someone else may recover money from the person legally responsible for an accident and also receive money from us for the same accident. If so, the amount we paid must be repaid to us to the extent that you or someone else recovers. If you or someone else recover money from the person legally responsible for the accident and also receive money from us for the same accident as a payment under Part 3 or Part 11 of this policy, we must be repaid for any amounts so paid but only to the extent that such recovery exceeds any unpaid damages due that person under a claim settled with our consent or judgment resulting from a lawsuit brought with our written consent. Whenever we are entitled to repayment from anyone, the amount owed us can be reduced by our proportionate share of the costs of recovering the money, including reasonable attorneys fees. In either case we do not have to be repaid for any money we have paid under Medical Payments (Part 6). 6. When You Have More Than One Policy With Us You may have more than one policy with us covering the same accident. In that case, the most we will pay is the highest amount payable under the applicable coverage in any one of those policies. However, claims made under Bodily Injury Caused By An Uninsured Auto (Part 3) and Bodily Injury Caused By An Underinsured Auto (Part 11) are treated differently. The difference is explained in the description of the coverage for these Parts. 7. If You Go Bankrupt Bankruptcy or insolvency of any person covered under this policy does not relieve us of any of our obligations under this policy. 8. We Do Not Pay For Nuclear Losses, War Losses, Or Terrorism We will not pay under Damage To Someone Else s Property (Part 4) and Optional Bodily Injury To Others (Part 5) for any person who is an insured under a nuclear energy liability policy or who would be an insured under such a policy had it not already exhausted its limits. We will not pay under any optional coverages (Parts 5, 6, 7, 8, 9, 10 and 11) for losses or damage caused by radioactive contamination or by acts of war, insurrection, rebellion, terrorism or revolution or any act incident to any of these. 9. We Do Not Pay For Ordinary Wear Or Tear We will not pay for damage to your motor vehicle which is due solely to ordinary wear and tear, freezing, mechanical or electrical failure, or for ordinary road damage to tires. We will, however, pay for this damage if it is the result of some other loss which is covered by this policy. 10. If We Pay For A Total Loss If we pay for the total loss of your motor vehicle, we have the right, if we so choose, to take title to that motor vehicle. We also have the right, if we so choose, to take any damaged part for which we pay. 11. Repair And Payment After A Collision Or Loss; If We Disagree On The Amount of Damage ( Parts 7, 8, 9) Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9), you must allow us to have the motor vehicle appraised after a collision or loss. If we have a direct payment plan approved by the Commissioner of A40MA (04-14) Page 17 of 21

137 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED ) Insurance, we will pay you in accordance with the appraisal and allow you to select a repair shop of your choice. If you choose not to have your motor vehicle repaired, or if we do not receive your Repair Certification Form, or, when requested, you do not make your motor vehicle available for reinspection within a reasonable period of time following repair, our payments automatically reduce the actual cash value of your motor vehicle if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. If you choose not to accept payment under our direct payment plan or we do not have such a plan, and you have your motor vehicle repaired in accordance with the appraisal, you must send us a Completed Work Claim Form. We must pay you within 7 days after receiving the form. If we fail to pay you within 7 days after receipt of the Completed Work Claim Form, you have the right to sue us. If a court decides that we were unreasonable in refusing to pay you on time, you are entitled to double the amount of damage plus costs and reasonable attorneys fees. If you request us to, we will pay the repair shop directly; however, the repair shop must certify that it meets certain requirements. If you choose not to have your motor vehicle repaired, or if we do not receive your Completed Work Claim Form, we will determine the amount of decrease in the actual cash value of your motor vehicle and pay you that amount less your deductible. Our payment automatically reduces the actual cash value of your motor vehicle if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. We have a right to inspect all repairs. Sometimes there may be a disagreement as to the amount of money we owe for losses or damage to a motor vehicle. If so, Massachusetts law provides for a method of settling the disagreement. Either you or we can, within 60 days after you file your proof of loss, demand in writing that appraisers be selected. The appraisers must then follow a procedure set by law to establish the amount of damage. Their decision will be binding on you and us. You and we must share the cost of the appraisal. 12. Sales Tax Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) we will pay, subject to your deductible, all sales taxes applicable to the loss of or damage to a motor vehicle. 13. Secured Lenders When your Coverage Selections Page shows that a lender has a secured interest in your motor vehicle, we will make payments under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) according to the legal interests of each party. The secured lender s right of payment will not be invalidated by your acts or neglect except that we will not pay if the loss of or damage to your motor vehicle is the result of conversion, embezzlement, or secretion by you or any household member. Also, we will not pay the secured lender if the loss of or damage to your motor vehicle is the result of arson, theft or any other means of disposal committed by you or at your direction. When we pay any secured lender we shall, to the extent of our payment, have the right to exercise any of the secured lender s legal rights of recovery. If you do not file a proof of loss as provided in this policy, the secured lender must do so within 30 days after the loss or damage becomes known to the secured lender. In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must be sent to the secured lender as provided in this policy. 14. No Benefits To Anyone In The Motor Vehicle Business Coverage under Optional Bodily Injury To Others, Medical Payments, Collision, Limited Collision, Comprehensive and Bodily Injury Caused By An Underinsured Auto (Parts 5, 6, 7, 8, 9, and 11) shall not in any way benefit any person or organization having possession of your motor vehicle for the purpose of servicing, repairing, parking, storing, or transporting it or for any similar purpose. 15. If Two Or More Motor Vehicles Are Insured Under This Policy Two or more motor vehicles may be insured under this policy. There may be different limits for each motor vehicle. If so, when someone covered under this policy is injured while a pedestrian, or is using a motor vehicle other than your motor vehicle at the time of the accident, the most we will pay under any applicable Part is the highest limit shown for that Part for any one motor vehicle on your Coverage Selections Page. 16. Trailers When a trailer is attached to a motor vehicle, we consider the motor vehicle and trailer together to be one motor vehicle in applying the limits shown on the Coverage Selections Page under Bodily Injury To Others, Damage To Someone Else s Property and Optional Bodily Injury To Others (Parts 1, 4 and 5). A40MA (04-14) Page 18 of 21

138 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED ) 17. Premiums For Extensions Or Renewals The premium we will charge for any extension or renewal of this policy will be in accordance with our rates and rules in effect at the time of the effective date of the extension or renewal. 18. False Information If you or someone on your behalf gives us false, deceptive, misleading or incomplete information in any application or policy change request and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts of this policy. Such information includes the description and the place of garaging of the vehicles to be insured, the names of all household members and customary operators required to be listed and the answers given for all listed operators. We may also limit our payments to those amounts that we are required to sell under Part 3 and Part 4 of this policy. 19. Changes Which Affect Premium If the information contained in your application changes before this policy expires, we have the right to adjust your premium to reflect such changes. You must inform us of any changes which may have a material effect on your insurance coverage or premium charges, including but not limited to the description, ownership, type of usage and place of garaging of your motor vehicle ; and the household members and individuals who customarily operate your motor vehicle. 20. Pre-Insurance Inspection Massachusetts law requires that we inspect certain motor vehicles before providing coverage for Collision, Limited Collision, or Comprehensive (Parts 7, 8 or 9). If inspection of your motor vehicle is required, it may be deferred in some cases for ten calendar days (not including legal holidays and Sundays), following the effective date of coverage, or the date on which the state approved Form B/pre-insurance inspection form was mailed, whichever is later. If you do not have your motor vehicle inspected within the time allowed, coverage for that motor vehicle will be automatically suspended. Your premium will be adjusted if the suspension lasts for more than ten days. 21. Assignment With respect to Collision (Part 7), Limited Collision (Part 8), and Comprehensive (Part 9) an assignment of interest under this policy will not bind us without our consent. Any nonconforming assignment shall be void and invalid. Moreover, the assignee shall acquire no rights under this contract and we shall not recognize any such assignment. This limitation upon assignment shall not affect our right to subrogation under this contract. 22. Choice Of Law The policy and any amendment(s) and endorsement(s) are to be interpreted pursuant to the laws of the state of Massachusetts. 23. Arbitration (Parts 1, 2, 4, 5, 6, 10, 11) Under Parts 1, 2, 4, 5, 6, 10, and 11, if any person making claim and we do not agree that such person is legally entitled to recover damages, or the amount of payment, then the person making claim and we may elect by mutual agreement at the time of the dispute to settle the matter by arbitration. Arbitration pursuant to this contract under Parts 1, 2, 4, 5, 6, 10, and 11 shall be subject to the following: 1. Each party will select an arbitrator and the two arbitrators so named will select a third arbitrator. Each party shall pay its own arbitrator, attorney fees, costs of arbitration, fees of experts and 50% of the third arbitrator s fees to the extent allowed by law; 2. No arbitrator shall have the authority to award punitive damages or attorney s fees; 3. Neither of the parties shall be entitled to arbitrate any claims or disputes in a representative capacity or as a member of a class; and 4. No arbitrator shall have the authority, without the mutual consent of the parties, to consolidate claims or disputes in arbitration. If such arbitrators are not selected within 45 days of such request, either party may request that the matter be submitted for arbitration to the American Arbitration Association. Judgment upon the award rendered by the arbitrators may be entered in any court having jurisdiction thereof. Unless both parties agree otherwise, arbitration will take place in the county and state in which the person making claim lives. A40MA (04-14) Page 19 of 21

139 CANCELLATION AND RENEWAL CANCELLATION Cancellation of this policy is something you should ordinarily have no reason to worry about. You can cancel any of the Optional Insurance Parts at any time. Because all of the Compulsory Insurance Parts are required, you cannot cancel any of them separately. You can, of course, cancel all of the Compulsory Insurance Parts by giving us written notice. We can cancel all of any part of this policy including your Compulsory Insurance if: 1. You have not paid your premium on this policy; 2. We find that you were responsible for fraud or material misrepresentation when you applied for this policy or any extension or renewal of it; or 3. There is a suspension or revocation during the policy period of the operator s license or motor vehicle registration of you or any other person residing in the same household as you and who usually operates a motor vehicle insured under the policy; 4. You fail to comply with a request for a motor vehicle safety inspection test for a vehicle that was previously totaled in a prior accident; 5. You fail to complete and furnish us with a renewal application on a form prescribed by the Commissioner at least 30 days before the expiration of the previous policy period. If the driver s license or motor vehicle registration of anyone residing in your household who usually operates your motor vehicle has been under suspension or revocation during the policy period, we may suspend coverage for that person under any of the Optional Insurance Parts of the policy. We may also reduce the limits available for that person under Bodily Injury Caused By An Uninsured Auto and Damage To Someone Else s Property (Parts 3 and 4) to the minimum limits we are required to sell. We can cancel Emergency Road Service (Part 10) for reasons other than those listed above if we do so within the first 90 days of the policy period. We can cancel, for reasons other than those listed above if we do so within the first 90 days of the policy period, coverage limits which are higher than the limits we are required by law to sell you and any coverages designed to reduce the deductibles set by law. AUTOMATIC TERMINATION Massachusetts law provides that your policy automatically terminates and a Notice of Cancellation will not be sent to you when: 1. You return the registration plates for your motor vehicle to the Registry of Motor Vehicles. 2. You purchase a new policy with another company covering your motor vehicle and a new Certificate of Insurance is filed with the Registry of Motor Vehicles. 3. You transfer title to your motor vehicle, and you do not register another motor vehicle. However, if more than one motor vehicle is described on the Coverage Selections Page, the termination of coverage applies only to the motor vehicle involved in any of the situations described above. LEGAL NOTICE REQUIREMENT Any notice of cancellation will be sent to you at your last address shown on the Coverage Selections Page at least 20 days prior to the effective date. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service will be considered sufficient notice. In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must also be sent to the secured lender in a similar manner. If we cancel this policy in its entirety, the cancellation is not effective unless we send the required notice to the Registry of Motor Vehicles. If the policy is cancelled, the amount of your refund will be determined by a pro-rata calculation based on the number of days the policy was in effect. No refund of premium will be sent to you upon cancellation of the policy until we receive a receipt showing that the registration plates assigned to the insured motor vehicle have been returned to the Registry of Motor Vehicles or other document showing that you have replaced the insurance required by law. If you think that we have cancelled your policy illegally, you can appeal our decision. Your cancellation notice will explain how to appeal. RENEWAL If we decide not to renew this policy or any of its Parts, we must mail our notice to you at your last address shown on the Coverage Selections Page at least 45 days before your policy runs out. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service will be considered sufficient notice. If we require a renewal application, and you fail to complete and return it to us within the specified time, we then have the right to cancel the renewal policy. A40MA (04-14) Page 20 of 21

140 WHEN THERE IS AN ACCIDENT OR LOSS First, Help Any Injured Person Call an ambulance or the police, and of course, cooperate with them. Do whatever is reasonable to protect the motor vehicle from further damage or loss. We will pay for any reasonable expenses incurred in doing this. Second, Notify The Police, Registry Or Fire Department Under Massachusetts law, notice to the local or state police and the Registry of Motor Vehicles is required within 5 days if there is anyone injured in an accident, no matter how slight the injury, or if there is reason to believe that there has been over $1,000 in total property damage. Within 24 hours, notify both the police and us if your motor vehicle is stolen or if you have been involved in a hit-and-run accident. You must report a fire loss to the fire department. The notice to the police or the fire department must be on the form required by law. Third, File The Claim With Us We do not know about accidents or losses until you or someone else notifies us. We must be notified promptly of the accident or loss by you or someone on your behalf. The notification should include as many details as possible, including names and addresses of drivers, injured persons and witnesses. If you or any person seeking payment under this policy fail to notify us promptly of any accident or claim under Parts 2, 3, 6, or 11 of this policy, we may not be required to pay claims under any of these parts. If you are filing a claim for damage to your motor vehicle, you or someone on your behalf must file a proof of loss within 91 days after the accident. Fourth, Cooperate With Us After an accident or loss, you or anyone else covered under this policy must cooperate with us in the investigation, settlement and defense of any claim or lawsuit. We must be sent copies of all legal documents in connection with the accident or loss. We may also require you and any person seeking payment under any part of this policy to submit to an examination under oath at a place designated by us, within a reasonable time after we are notified of the claim. If anyone makes a claim or seeks payment under Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Medical Payments, or Bodily Injury Caused By An Underinsured Auto (Parts 2, 3, 6 or 11), we have a right to require that person to be examined by doctors selected by us. If anyone seeks continuing payments under any of these Parts, we may also require additional examinations at reasonable intervals. We will pay for these examinations. We must also be authorized to obtain medical reports and other records pertinent to the claim. Failure to cooperate with us may result in the denial of the claim. W. C. E. Robinson Secretary William E. Roberts President Remember: Defensive Driving Can Save Your Life And Your Money A40MA (04-14) Page 21 of 21

141 Policy Number: Effective Date: Motor Vehicle Policy Amendment Loss Payable Clause Massachusetts Any loss or claim payable under the Collision, Limited Collision, or Comprehensive Coverage of the policy will be paid jointly to the insured and the Lienholder on the Coverage Selections Page. The Lienholder must notify us if he becomes aware of any increased hazard or change of ownership of the motor vehicle or he will lose all of his rights under this policy. The Loss Payee or Lienholder's interest will not be protected when a loss is caused by the insured's participation in or preparing for any prearranged or organized racing, speed, or demolition contest or stunting activity or the insured's participation in an organized track event. Where fraud, misrepresentation, material omission, or intentional damage has knowingly been committed by or at the direction of the insured, the Loss Payee or Lienholder's interest will not be protected. If the insured fails to file with us a Proof of Loss within 91 days after the loss, the Lienholder must do so within the following 30 days. The policy provisions on time of payment, appraisal and the right to sue us applies both to the Lienholder and the insured. We may settle a claim at our option by separate payment to the insured and the Lienholder. If the vehicle(s) described on the Coverage Selections Page is abandoned or repossessed by the Loss Payee or Lienholder after a loss covered under Collision, Limited Collision or Comprehensive Coverages, the deductible applicable to any payment to the Loss Payee or Lienholder for its interest shall be no more than $500. Whenever we pay the Lienholder, we shall be subrogated to the Lienholder's rights of recovery to the extent of the payment. If the policy is in effect as to the Lienholder but has been cancelled as to the insured, the Lienholder must assign the loan to us if we ask and we pay the full amount due. If we cancel this policy, a notice of cancellation will be sent to the Lienholder. This endorsement forms a part of your policy. It is effective at 12:01 A.M. local time at your address on the effective date shown above. RETAIN THIS COPY FOR YOUR RECORDS UE316MA (04-14) New Policy Page 3 of 4

142 Motor Vehicle Policy Endorsement GOVERNMENT EMPLOYEES INSURANCE COMPANY Policy Number: Waiver of Deductible Massachusetts (MPY-0016-S Ed ) The deductible amount shown on the Coverage Selections Page for Collision (Part 7) does not apply to any motor vehicle to which this endorsement applies as shown on the Coverage Selections Page if: 1. The motor vehicle was legally parked when struck by another motor vehicle owned by an identified person. 2. The motor vehicle was struck in the rear by another auto moving in the same direction and owned by an identified person. 3. The operator of the other auto was convicted of any of the following violations: a. Operating under the influence of alcohol, marijuana, or a narcotic drug. b. Driving the wrong way on a one-way street. c. Operating at an excessive rate of speed. d. Any similar violation of any similar law of another state in which the accident occurs. However, we will not pay if the operator of the auto covered under this Part was also convicted of one of the above violations. 4. You are entitled to recover in court against an identified person for some reason other than those listed above. Description of Motor vehicle(s) 01 HARLEY2 JT2BK12U Premium: $ UE165MC (04-14) New Policy Page 8 of 10

143 GEICO geico.com 300 Crosspoint Parkway, Getzville, NY NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM As of 12:01 a.m. local time your policy will cancel due to nonpayment of your premium. Keep your policy active by submitting a payment of the past-due amount prior to the cancellation effective date. The policy will not be cancelled if you pay the full past-due amount before the cancellation date. All payments are subject to normal collection and will be applied to the oldest debt on the policy. Note: A partial payment will not void this cancellation notice. Please submit a payment immediately to prevent the cancellation of your policy. Pay now using one of these methods: * Log in to mypolicy.geico.com -- the fastest and easiest way to maintain coverage and avoid a lapse in your insurance protection. * Call to use our automated PhonePay system. Have your checking account information handy. * Mail your payment. It must be postmarked before the cancellation date to avoid a lapse. Checks should be made payable to GEICO. If your payment and this notice have crossed in the mail, please disregard this notice and accept our thanks. If you have not sent in your payment, please do so now. You may also track the status of your payment(s) at any time on mypolicy.geico.com. Remember -- Your payment must be made by the above mentioned date and time to ensure continuous coverage. Thank you for your business. We look forward to continuing to serve your insurance needs for years to come. Pol. #: Pol. #: Please detach and return the bottom portion with your payment made payable to GEICO in the enclosed envelope. NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM Notice Date: Canc. Date: Current Balance Premium Amount Past Due ONE GEICO PLAZA Bethesda, MD U-44-MA-DP (05-09)

144 IMPORTANT NOTICE TO POLICYHOLDERS: Please read carefully the information below which outlines your legal rights relative to this cancellation. INFORMATION ABOUT MINIMUM INSURANCE REQUIREMENTS Massachusetts law requires that every motor vehicle registered in Massachusetts carry minimum motor vehicle liability insurance. The Registrar of Motor Vehicles will revoke your registration and license plates on the effective date of cancellation shown in this notice unless: 1. We reinstate your required minimum motor vehicle insurance; or 2. Before the date of cancellation shown in this notice you obtain minimum motor vehicle insurance from another insurance company. The new company must notify the Registrar before the date of cancellation in this notice that it has insured your motor vehicle. If you are unable to obtain motor vehicle insurance from another insurance company, you may be eligible to obtain motor vehicle insurance through the Massachusetts residual market plan. Almost all insurance agents and all insurance companies are authorized to help you apply for motor vehicle insurance through the plan. If you apply for motor vehicle insurance through the plan, you will not be able to choose an insurer, but you will be assigned to an insurance company. In some cases, you may not be able to obtain coverage through the plan that is identical to the coverage that was not renewed; or 3. Before the effective date of the cancellation shown in this notice you file with the Commissioner of Insurance a written complaint on a form prescribed and furnished by the Commissioner of Insurance. The form is available on the Division of Insurance website by searching "Cancellation Appeal Form" at or can be obtained by calling the Division's Consumer Service Section at Unless one of the three above actions occurs, the registration for your motor vehicle will be revoked on the effective date of cancellation shown in this notice. U-44-MA-DP (05-09)

145 Certificate of Insurance Named Insured and Address: Date of Certificate: Policy Number: Policy Period: to (12:01 A.M. Local Time) (12:01 A.M. Local Time) Name and Address: (This Certificate of Insurance does not amend, extend, or alter the coverage afforded by this policy.) During the term of coverages provided, the Company and the insured shall be bound by the provisions of the policy (or policies) f insurance o in current use by the Company in the state. This is to certify that the above captioned policy includes the limits specified herein for each person and for each occurrence under Bodily Injury To Others (Part 1); the limits specified herein for each person and for each occurrence under Optional Bodily Injury to Others (Part 5);the limits specified herein for each occurrence under Damage To Someone Else s Property (Part 4); and limits specified herein for each person and for each occurrence for Bodily Injury Caused By An Uninsured Auto (Part 3). Description of Vehicle: COVERAGE Bodily Injury To Others (Part 1) Personal Injury Protection (Part 2) Optional Bodily Injury To Others (Part 5) Damage To Someone Else s Property (Part 4) Bodily Injury Caused By An Uninsured Auto (Part 3) LIMITS OF COVERAGE $ 20 M and $ 40 M (Each Person) $8,000 Each Person $ M and $ M (Each Person) $ (Each Occurrence) $ M and $ M (Each Occurrence) (Each Occurrence) (Each Person) (Each Occurrence) INTERESTED PARTY If we cancel this policy, a notice of cancellation will be sent to the Interested Party. * * U-99-MA (05-09)

146 Motor Vehicle Policy Amendment Suspension Of Coverage Massachusetts GOVERNMENT EMPLOYEES INSURANCE COMPANY Policy Number: Effective Date: The Policy Number and Effective Date need be completed only when this endorsement is issued subsequent to preparation of the policy. It is agreed that, as of the effective date, this policy is suspended for the coverages and motor vehicles indicated by (X) in the Schedule below: SCHEDULE Coverage Bodily Injury To Others Optional Bodily Injury To Others Personal Injury Protection Bodily Injury Caused By An Uninsured Auto Bodily Injury Caused By An Underinsured Auto Damage To Some Else s Property Medical Payments Collision Limited Collision Comprehensive Emergency Road Service All Insured Vehicles ( ( ( ( ( ( ( ( ( ( ( ) ) ) ) ) ) ) ) ) ) ) Vehicles Designated Below ( ( ( ( ( ( ( ( ( ( ( ) ) ) ) ) ) ) ) ) ) ) Designation of Motor Vehicles: This endorsement forms a part of your policy and is effective at 12:01 A.M. local time at your address on the effective date shown above. UE11MAMC (04-14)

147 Motor Vehicle Policy Amendment Reinstatement Of Coverage Massachusetts GOVERNMENT EMPLOYEES INSURANCE COMPANY Policy Number: Effective Date: The Policy Number and Effective Date need be completed only when this endorsement is issued subsequent to preparation of the policy. It is agreed that suspended coverages are reinstated as indicated by (X) in the Schedule below: SCHEDULE Coverage Bodily Injury To Others Optional Bodily Injury To Others Personal Injury Protection Bodily Injury Caused By An Uninsured Auto Bodily Injury Caused By An Underinsured Auto Damage To Some Else s Property Medical Payments Collision Limited Collision Comprehensive Emergency Road Service All Insured Vehicles ( ( ( ( ( ( ( ( ( ( ( ) ) ) ) ) ) ) ) ) ) ) Vehicles Designated Below ( ( ( ( ( ( ( ( ( ( ( ) ) ) ) ) ) ) ) ) ) ) Designation of Motor Vehicles: This endorsement forms a part of your policy. It is effective at 12:01 A.M. local time at your address on the effective date shown above. UE12MAMC (04-14) New Policy Page 11 of 12

148 GEICO Policy Number: Motor Vehicle Policy Endorsement Suspension of Coverage and Reduction of Limits Massachusetts (MPY-0032-S Ed ) If the driver s license or motor vehicle registration for you or anyone residing in your household who usually operates your motor vehicle has been under suspension or revocation during the policy period, or the driver s license is not valid, the coverage provided under any of the Optional Insurance Parts of the policy which you have purchased, is suspended while that person is operating any auto. We are also reducing the limits available for that person under Bodily Injury Caused By An Uninsured Auto (Part 3) and Damage to Someone Else s Property (Part 4) to the minimum limits we are required to sell. This endorsement is effective This endorsement will remain in effect while the person s driver s license or motor vehicle registration is under suspension or revocation, or the driver s license is not valid. NAME of individual whose driver s license or motor vehicle registration is under suspension or revocation, or who does not have a valid license (Policyholder s Signature) (Date) [The company has the option of obtaining the signature of the policyholder on this endorsement or sending this endorsement at least 20 days prior to the effective date of the suspension of coverage.] * * UE-147MC (04-14)

149 GEICO Policy Number: Motor Vehicle Policy Endorsement Waiver of Deductible Massachusetts (MPY-0016-S Ed ) The deductible amount shown on the Coverage Selections Page for Collision (Part 7) does not apply to any motor vehicle to which this endorsement applies as shown on the Coverage Selections Page if: 1. The motor vehicle was legally parked when struck by another motor vehicle owned by an identified person. 2. The motor vehicle was struck in the rear by another auto moving in the same direction and owned by an identified person. 3. The operator of the other auto was convicted of any of the following violations: a. Operating under the influence of alcohol, marijuana, or a narcotic drug. b. Driving the wrong way on a one-way street. c. Operating at an excessive rate of speed. d. Any similar violation of any similar law of another state in which the accident occurs. However, we will not pay if the operator of the auto covered under this Part was also convicted of one of the above violations. 4. You are entitled to recover in court against an identified person for some reason other than those listed above. Description of Motor vehicle(s) Premium: * * UE-165MC (04-14)

150 Policy Number: Effective Date: Motor Vehicle Policy Amendment Loss Payable Clause Massachusetts Any loss or claim payable under the Collision, Limited Collision, or Comprehensive Coverage of the policy will be paid jointly to the insured and the Lienholder on the Coverage Selections Page. The Lienholder must notify us if he becomes aware of any increased hazard or change of ownership of the motor vehicle or he will lose all of his rights under this policy. The Loss Payee or Lienholder s interest will not be protected when a loss is caused by the insured s participation in or preparing for any prearranged or organized racing, speed, or demolition contest or stunting activity or the insured s participation in an organized track event. Where fraud, misrepresentation, material omission, or intentional damage has knowingly been committed by or at the direction of the insured, the Loss Payee or Lienholder s interest will not be protected. If the insured fails to file with us a Proof of Loss within 91 days after the loss, the Lienholder must do so within the following 30 days. The policy provisions on time of payment, appraisal and the right to sue us applies both to the Lienholder and the insured. We may settle a claim at our option by separate payment to the insured and the Lienholder. If the vehicle(s) described on the Coverage Selections Page is abandoned or repossessed by the Loss Payee or Lienholder after a loss covered under the Physical Damage Coverages, the deductible applicable to any payment to the Loss Payee or Lienholder for its interest shall be no more than $500. Whenever we pay the Lienholder, we shall be subrogated to the Lienholder s rights of recovery to the extent of the payment. If the policy is in effect as to the Lienholder but has been cancelled as to the insured, the Lienholder must assign the loan to us if we ask and we pay the full amount due. If we cancel this policy, a notice of cancellation will be sent to the Lienholder. This endorsement forms a part of your policy. It is effective at 12:01 A.M. local time at your address on the effective date shown above. RETAIN THIS COPY FOR YOUR RECORDS UE316MA (04-14) New Policy Page 3 of 4

151 GEICO Motor Vehicle Policy Endorsement Motorcycle Custom Parts or Equipment GEICO INDEMNITY COMPANY Policy Number: Endorsement Effective Date: (The information above is required only when this endorsement is prepared after the policy is issued.) We agree that: (a) in consideration of the payment of additional premium; and (b) subject to the deductibles and limits of liability shown in the Declarations for the coverages insured this policy is extended to cover custom parts or equipment that are permanently added to or replace standard factory provided parts or equipment of your motor vehicle in excess of $2000. Any loss paid shall be based on the actual cash value at the time of the loss. We will not pay an amount greater than the limit shown in the Declarations. Description of Motor vehicle: Year Make Model VIN Customization Range All other terms and provisions of the policy remain unchanged. This endorsement forms a part of the above captioned policy issued by the Company. It is effective as of 12:01 A.M. Standard Time on the effective date of the endorsement. PS18MC (04-14) New Policy Page 11 of 12

152 GEICO Motor Vehicle Policy Endorsement Policy Number: USE RESTRICTION - PREMIUM REDUCTION ENDORSEMENT Effective Date: The Policy Number and Effective Date need be completed only when this endorsement is issued subsequent to preparation of the policy. We agree with you that if: 1. the motor vehicle is placed in storage for a period of more than 30 days, and 2. you do not use or give your permission for any other person to use the motor vehicle, except for maintenance and testing of the motor vehicle at the place of storage, the premiums, except for Comprehensive, will be reduced after removal of this endorsement. Removal of this endorsement can be effective immediately upon your notification to us. You will then be entitled to an adjustment of premium based on the period of storage. Premium reduction will not discount the policy beyond the applicable minimum premium amount. If there is an occurrence during the period this endorsement is in effect which violates condition 2. above, you will not be entitled to the reduction in premium. This endorsement forms a part of your policy. It is effective at 12:01 A.M. standard time at your address on the effective date shown above. PS115MC (04-14) Renewal Policy Page 5 of 6

153 Massachusetts Motor Vehicle Insurance Policy Please read your policy. As you read the policy, check the Coverage Selections Page to make sure it shows exactly what you intended to buy. If there is any question, call us right away. Includes Copyrighted Material from Automobile Insurers Bureau, 2008 A40MA (04-14) Policy Change Page 5 of 28

154 CONTENTS Page INTRODUCTION... 1 DEFINITIONS OUR AGREEMENT... 2 COMPULSORY INSURANCE 2 Part 1. Bodily Injury To Others Part 2. Personal Injury Protection Part 3. Bodily Injury Caused By An Uninsured Auto Part 4. Damage To Someone Else s Property OPTIONAL INSURANCE 7-8 Part 5. Optional Bodily Injury To Others Part 6. Medical Payments Part 7. Collision Part 8. Limited Collision Part 9. Comprehensive Part 10. Emergency Road Service Part 11. Bodily Injury Caused By An Underinsured Auto GENERAL PROVISIONS AND EXCLUSIONS CANCELLATION AND RENEWAL WHEN THERE IS AN ACCIDENT OR LOSS A40MA (04-14) Policy Change Page 6 of 28

155 INTRODUCTION This insurance policy is a legal contract between the policy owner ( you) and the company (we or us). It insures you and your motor vehicle for the period shown on the Coverage Selections Page. As long as you pay your premium, we agree to provide you or others the benefits to which you or they are entitled. The exact terms and conditions are explained in the following pages. There are two basic categories of insurance described in this policy, Compulsory Insurance and Optional Insurance. COMPULSORY INSURANCE There are four Parts to Compulsory Insurance. They are all required by law. Every motor vehicle registered in Massachusetts must have them. OPTIONAL INSURANCE There are eight Parts to Optional Insurance. Some of them extend the coverage or the amounts of protection provided by Compulsory Insurance. Some of them provide protection not found in Compulsory Insurance. You do not have to buy any of these eight Parts if you do not want to. Motor vehicle insurance claims arise in hundreds of different ways. Motor vehicles are sometimes stolen or damaged. Accidents may injure people occupying your motor vehicle, people in other motor vehicles or pedestrians. You may be responsible for an accident or someone else may be. An accident may happen in Massachusetts or out of state. Different situations require different kinds of insurance. Please read the whole policy to see what kinds of insurance are available to cover these different situations. At the same time, you should check the Coverage Selections Page to make sure it correctly indicates the coverages you purchased. Each coverage you purchased will be displayed along with a premium charge next to it. If a coverage is not listed for a particular vehicle or if no premium charge is shown for a coverage on a particular vehicle, you do not have the coverage. Sometimes you and we will agree to change this policy. The only way that can be done is by an Endorsement added to the basic policy form. All endorsements must be in writing. They then become part of this policy. We are pleased to have you as a customer and hope you have a safe and accident-free year. But if you need us, we are here to help you. If you have an accident or loss, or if someone sues you, contact us at Do the same if you have any questions or complaints. If you think we have treated you unfairly at any time, you may contact the Division of Insurance, (617) DEFINITIONS Throughout this policy definitions are bolded when used: 1. We, Us or Our - refers to the company issuing this policy. 2. You or Your - refers to the person(s) named in Item 1 of the Coverage Selections Page. 3. Motor vehicle- means a motorcycle or off-road vehicle. 4. Your motor vehicle- means: A. The vehicle or vehicles described on the Coverage Selections Page for which a premium is shown under the coverage selection. B. Any motorcycle, off-road vehicle or private passenger auto while used as a temporary substitute for the described motor vehicle, with the permission of the owner, while the described motor vehicle is out of normal use because of a breakdown, repair, servicing, loss or destruction. The term your motor vehicle does not include a substitute vehicle owned by you or your spouse. C. A motorcycle or off-road vehicle to which you take title or lease as a permanent replacement for a described motor vehicle or as an additional motorcycle. We provide coverage for an additional motorcycle only if you ask us to insure it within seven days after you take title or the effective date of the lease. A replacement motor vehicle or additional motorcycle must not be used for the delivery or transportation of goods or materials. 5. Motorcycle means a land motor vehicle that is designed for operation principally upon public roads and has: (a) at least two wheels; or (b) not more than three wheels and is manufactured or reconstructed from a two-wheeled motorcycle. 6. Off-road vehicle means an all-terrain vehicle, dirt bike, or EPAMD. 7. All-terrain vehicle means a self-propelled motorized vehicle formatted with four wheels or six wheels, with open-air driver s seating manufactured for sale for recreational or utilitarian use off-road or along designated trails and various unimproved terrain and only incidentally operated on public highways. A40MA (04-14) Page 1 of 21 Policy Change Page 7 of 28

156 8. Dirt bike means a land motor vehicle designed principally for operation off public roads that has two wheels with completely open-air driver s seating and a motorcycle hand gripped steering device. 9. Electric Personal Assistive Mobility Device (EPAMD) means a self-balancing personal transportation device with two wheels. 10. Trailer means an accessory designed to be towed by a motorcycle or off-road vehicle, if not being used for business or commercial purposes. 11. Occupying means in, upon, entering into, or getting out of. 12. Collision means the accidental upset of your motor vehicle or any physical contact of your motor vehicle with another object. 13. Household member means anyone living in your household who is related to you by blood, marriage or adoption. This includes wards, step-children or foster children. 14. Pedestrian includes anyone incurring bodily injury as a result of being struck by a motor vehicle in an accident and who is not occupying a motor vehicle at the time of the accident. OUR AGREEMENT This policy is a legal contract under Massachusetts law. Because this is a motor vehicle policy, it only covers accidents and losses which result from the ownership, maintenance or use of motor vehicles. The exact protection is determined by the coverages you purchased. We agree to provide the insurance protection you purchased for accidents that occur while this policy is in force. You agree to pay premiums when due and to cooperate with us in case of accidents or claims. Our contract consists of this policy, the Coverage Selections Page, any endorsements agreed upon, and your application for insurance. Oral promises or statements made by you or us are not part of this policy. There are many Massachusetts laws relating to motor vehicle insurance. We and you must and do agree that, when those laws apply, they are part of this policy. COMPULSORY INSURANCE There are four Parts to Compulsory Insurance. They are called Compulsory Insurance because Massachusetts law requires you to buy all of them before you can register your motor vehicle. No law requires you to buy more than this Compulsory Insurance. However, if you have financed your motor vehicle, the bank or finance company may legally insist that you have some Optional Insurance as a condition of your loan. The amount of your coverage and the cost of each Part is shown on the Coverage Selections Page. Your Compulsory Insurance does not pay for any damage to your motor vehicle. PART 1 - BODILY INJURY TO OTHERS Under this Part, we will pay damages to people injured or killed by your motor vehicle in Massachusetts accidents. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. We will not pay for punitive or exemplary damages. We will pay only if you or someone else using your motor vehicle with your consent is legally responsible for the accident. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is $20,000. Subject to this $20,000 limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is $40,000. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. We will not pay or defend: For injuries to guest occupants of your motor vehicle. For injuries caused by anyone occupying an off-road vehicle. For accidents outside of Massachusetts or in places in Massachusetts where the public has no right of access. For injuries to any employees of the legally responsible person if they are entitled to Massachusetts workers compensation benefits. The law provides a special protection for anyone entitled to damages under this Part. We must pay their claims even if false statements were made when applying for this policy or your motor vehicle registration. We must also pay even if you or the legally responsible person fails to cooperate with us after the accident. We will, however, be entitled to reimbursement from the person who did not cooperate or who made any false statements. If a claim is covered by us and also by another company authorized to sell motor vehicle insurance in Massachusetts, we will pay only our proportionate share. If someone covered under this Part is using a motor vehicle he or she does not own at the time of the accident, the owner s motor vehicle insurance must pay its limits before we pay. Then, we will pay, up to the limits shown on your Coverage Selections Page, for any damages not covered by that insurance. A40MA (04-14) Page 2 of 21 Policy Change Page 8 of 28

157 COMPULSORY INSURANCE (CONTINUED) ACTION AGAINST US No person alleging coverage under Part 1. Bodily Injury to Others may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 1. Bodily Injury to Others unless the person alleging coverage has fully complied with all the policy s terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 1. Bodily Injury to Others, has a right under this policy to make us a defendant in an action to determine the person s liability. Bankruptcy or insolvency of the person alleging coverage under Part 1. Bodily Injury to Others or of his estate will not relieve us of our obligations. PART 2 - PERSONAL INJURY PROTECTION IMPORTANT NOTICE ABOUT PERSONAL INJURY PROTECTION: THE COVERAGE PROVIDED DOES NOT INCLUDE PERSONAL INJURY PROTECTION FOR OWNERS, OPERATORS OR GUESTS OF MOTORCYCLES OR OFF-ROAD VEHICLES WHO SUFFER BODILY INJURY WHILE OPERATING OR RIDING AS A GUEST UPON SUCH VEHICLES. The benefits under this Part are commonly known as No-Fault benefits. It makes no difference who is legally responsible for the accident. We will pay the benefits described below to you and other people injured or killed in motor vehicle accidents. For any one accident, we will pay as many people as are injured, but the most we will pay for injuries to any one person is $8,000. This is the most we will pay no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. We will pay three kinds of benefits: A. Medical Expenses We will pay all reasonable expenses incurred as a result of the accident for necessary medical, surgical, X-ray and dental services. This includes prosthetic devices. It also includes ambulance, hospital, professional nursing and funeral services. B. Lost Wages If an injured person is out of work because of the accident, we will pay lost wages up to 75% of his or her average weekly gross wage or equivalent for the year ending on the day immediately before the accident. We will not pay for the loss of any other type of income. If the injured person was unemployed at the time of the accident, we will pay up to 75% of the amount he or she actually lost in earning power as a result of the accident. C. Replacement Services We will reimburse the injured person for reasonable payments made to anyone outside his or her household for necessary services that he or she would have performed without pay for the benefit of the household, had he or she not been injured. We will pay PIP benefits to or for: 1. You or a household member if injured while occupying a motor vehicle, other than a motorcycle or an off-road vehicle, which does not have Massachusetts Compulsory Insurance or if struck as a pedestrian by a motor vehicle which does not have Massachusetts Compulsory Insurance. 2. Any pedestrian, including you, if struck by your motor vehicle in Massachusetts or any Massachusetts resident who, while a pedestrian, is struck by your motor vehicle outside of Massachusetts. Benefits are paid only for expenses or losses actually incurred within two years after the accident. If the accident is in Massachusetts, or if it is outside Massachusetts and the injured person does not sue for damages, we will pay benefits within a reasonable time usually thirty days. If the accident is outside Massachusetts and the injured person does sue, then we can wait for a settlement or judgment before paying benefits. Some people have a wage continuation program at work. If so, we will pay them only the difference between the total we would ordinarily pay under this Part and the amount of the program payments. We will, however, reimburse the program if it allows benefits to be converted into cash or additional retirement credit. Sometimes program benefits are reduced or used up because of payments to the person injured in an accident. In that case, we will pay for lost wages resulting from any other illness or injury that person has within one year of our last payment. The exact amount of our payments under this paragraph will be determined by Massachusetts law. Some people have a policy of health, sickness, or disability insurance or a contract or agreement with a group, organization partnership or corporation to provide, pay for, or reimburse the cost of medical expenses ( health plan ). If so, we will pay up to $2,000 of medical expenses for any injured person. We will also pay medical expenses in excess of $2,000 for such injured person which A40MA (04-14) Page 3 of 21 Policy Change Page 9 of 28

158 COMPULSORY INSURANCE (CONTINUED) will not be paid by a health plan. Medical expenses must be submitted to the health plan to determine what the health plan will pay before we pay benefits in excess of $2,000 under this Part. We will not pay for medical expenses in excess of $2,000 that the health plan would have paid had the injured person sought treatment in accordance with the requirements of the health plan. In any case, our total payment for medical expenses, lost wages and replacement services will not exceed $8,000. Within two years after an accident, we may, at our option, pay the cost of renewing or continuing in force a policy of health, sickness or disability insurance for anyone covered under this Part who is unwilling or unable to pay such cost. Our payment will not exceed the cost of renewing or continuing such policy for a period of two years after the accident. Also, our payment will not operate to reduce the benefits otherwise payable under this Part. We will not pay PIP benefits to or for: 1. Anyone who, at the time of the accident, was operating or occupying a motorcycle, any motor vehicle not subject to motor vehicle registration, or a motorized bicycle, including a moped. 2. Anyone who contributed to his or her injury by operating a motor vehicle: (a) while under the influence of alcohol, marijuana, or a narcotic drug, (b) while committing a felony or seeking to avoid arrest by a police officer, or (c) with the specific intent of causing injury to himself, herself or others. 3. Anyone who is entitled to benefits under any workers compensation law for the same injury. We will not pay PIP benefits to or for an injured person, to the extent those benefits would duplicate expenses or losses recovered by that person in a court judgment or settlement. If anyone covered under this policy is also entitled to PIP benefits from any other motor vehicle policy, the total benefits payable will not be more than the highest amount payable under whichever one of the policies would have paid the most. In that case, each insurer will pay only its proportionate share. We will not pay benefits under this Part which duplicate payments made under the No-Fault coverage of any other motor vehicle policy. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 2. Personal Injury Protection, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. PART 3 - BODILY INJURY CAUSED BY AN UNINSURED AUTO Sometimes an owner or operator of a motor vehicle legally responsible for an accident is uninsured. Some accidents involve unidentified hit-and-run motor vehicles. Under this Part, we will pay damages for bodily injury to people injured or killed in certain accidents caused by uninsured or hit-and-run motor vehicles. We will pay only if the injured person is legally entitled to recover from the owner or operator of the uninsured or hit-and-run motor vehicle. We will pay for hit-and-run accidents only if the owner or operator causing the accident cannot be identified. Sometimes the company insuring the motor vehicle responsible for an accident will deny coverage or become insolvent. We consider such a motor vehicle to be uninsured for purposes of this Part. However, we do not consider a motor vehicle owned by a governmental unit which is self-insured, or by someone who is legally self-insured, to be an uninsured motor vehicle. This Part is Compulsory. You must have limits of $20,000 per person and $40,000 per accident. However, you may want to buy more protection. If so, we must sell you limits up to $35,000 per person and $80,000 per accident, provided you have purchased at least these limits for Part 5. Higher limits may be purchased if agreed upon by you and by us. We will pay damages to or for: 1. You, while occupying your motor vehicle, while occupying any motorcycle or private passenger auto you or a household member do not own, or if injured as a pedestrian. 2. Any household member, while occupying your motor vehicle, while occupying any motorcycle or private passenger auto not owned by you or a household member or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts motor vehicle policy of his or her own or who is covered by any Massachusetts motor vehicle policy of another household member providing uninsured motor vehicle insurance with higher limits. 3. Anyone else while occupying your motor vehicle. We will not pay damages to or for anyone else who has a Massachusetts motor vehicle policy of his or her own, or who is covered by any Massachusetts motor vehicle policy of another household member providing uninsured motor vehicle insurance. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. A40MA (04-14) Page 4 of 21 Policy Change Page 10 of 28

159 COMPULSORY INSURANCE (CONTINUED) Coverage for off-road vehicles under this Part only applies if the accident occurs on a public road. If you are injured while occupying your motor vehicle and you have two or more motor vehicles insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for your motor vehicle you are occupying when injured. If you are injured as a pedestrian or while occupying any motor vehicle you do not own, and you have two or more Massachusetts motor vehicle policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for you, if struck by, or while occupying a motor vehicle you own and which does not have Massachusetts compulsory motor vehicle insurance. Likewise, we will not pay damages to or for any household member if struck by, or while occupying a motor vehicle owned by that household member which does not have Massachusetts compulsory motor vehicle insurance. We will not pay for punitive or exemplary damages. The most we will pay for damages to or for anyone injured in the following situations is $35,000 per person and $80,000 per accident or the limits you purchased, whichever is less: 1. Anyone injured while occupying your motor vehicle while it is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in an expense reimbursement program either as a volunteer or at work. 2. Anyone injured while using a motor vehicle without the consent of the owner. 3. Anyone injured while using a motor vehicle in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. We will reduce the damages an injured person is entitled to recover by: 1. The amount recovered from any legally responsible person. 2. The amount paid under a workers compensation law or similar law. 3. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts motor vehicle policy. We will pay the balance of the damages up to the limits shown for this Part on your Coverage Selections Page. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of the damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without our written consent. We will not, however, unreasonably withhold our consent. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the per person limit. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the per accident limit. This is the most we will pay as the result of a single accident. The limits of two or more motor vehicles or policies shall not be added together, combined, or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of motor vehicles involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicate payments under the uninsured motor vehicle insurance of any other motor vehicle policy. This Part will not benefit any insurer or self-insurer under a workers compensation law or any similar law. ACTION AGAINST US No person alleging coverage under Part 3. Bodily Injury Caused By An Uninsured Auto, may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 3. Bodily Injury Caused By An Uninsured Auto, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. A40MA (04-14) Page 5 of 21 Policy Change Page 11 of 28

160 COMPULSORY INSURANCE (CONTINUED) If a person alleging coverage commences action against the owner or operator of an uninsured motor vehicle to recover damages for loss arising out of the accident and gives us written notice of such action within 30 days after such action is commenced, an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, may be brought more than two years after the date the cause of action accrues, but in no event later than the earliest of the following to occur: A. two years after entry of a final judgment or other court order terminating such lawsuit against the owner or operator of an uninsured motor vehicle; or B. two years after we deny coverage. If any person alleging coverage sues a person believed responsible for the accident without our written consent, we are not bound by any resulting judgment. PART 4 - DAMAGE TO SOMEONE ELSE S PROPERTY Under this Part, we will pay damages to someone else whose motor vehicle or other property is damaged in an accident. The damages we will pay are the amounts that person is legally entitled to collect for property damage through a court judgment or settlement. We will pay only if you or a household member is legally responsible for the accident. We will also pay if someone else using your motor vehicle with your consent is legally responsible for the accident. Damages include any applicable sales tax and the costs resulting from the loss of use of the damaged property. The following are not covered: A. The United States of America or any of its agencies, B. Any person while using a motor vehicle in the course of his employment by the United States Government if the Federal Tort Claim Act requires the Attorney General of the United States to defend that person in any civil action or proceeding for bodily injury or property damage, whether or not the accident has been reported to the United States or the Attorney General. C. The Commonwealth of Massachusetts or any of its agencies. We will not pay for property damage which occurs: 1. While your motor vehicle is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in an expense reimbursement program either as a volunteer or at work. 2. While any motor vehicle is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing or parking motor vehicles. This exclusion does not apply to the ownership, maintenance or use of your motor vehicle by you or a household member. 3. While anyone is using any motor vehicle in the course of any business. 4. While a household member is using a motor vehicle which you or any household member owns or uses regularly unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 5. While you are using a motor vehicle which you or a household member owns or uses regularly unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 6. To a motor vehicle or other property owned by you or the legally responsible person. Similarly, we will not pay for damage to a motor vehicle or other property, except for a private residence or garage, which you or the legally responsible person rents or has in his or her care. 7. When the property damage is caused by anyone using a motor vehicle without the consent of the owner. The most we will pay for damage resulting from any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. If someone covered under this Part is using a motor vehicle he or she does not own at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on the Coverage Selections Page. However, if the claim is covered by us and another motor vehicle policy, we will pay only our proportionate share of those damages not paid by the owner s motor vehicle insurance. Under this Part, we may have to pay for property damage even if you or the legally responsible person fails to give us prompt notice of the accident. In that case we may be entitled to reimbursement from that person. This Part is Compulsory. You must have limits of at least $5,000. However, you may want to buy more protection. Higher limits may be purchased if agreed upon by you and by us. However, $5,000 is the most we will pay for property damage caused by a motor vehicle covered under this Part which is being operated in any racing, speed, stunting or A40MA (04-14) Page 6 of 21 Policy Change Page 12 of 28

161 COMPULSORY INSURANCE (CONTINUED) demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. ACTION AGAINST US No person alleging coverage under Part 4. Damage to Someone Else s Property may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 4. Damage to Someone Else s Property unless the person alleging coverage has fully complied with all the policy s terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 4. Damage to Someone Else s Property, has a right under this policy to make us a defendant in an action to determine the person s liability. Bankruptcy or insolvency of the person alleging coverage under Part 4. Damage to Someone Else s Property or of his estate will not relieve us of our obligations. OPTIONAL INSURANCE There are eight separate Parts to Optional Insurance. They are called Optional Insurance because they are not required by law. The amount of insurance and cost of any of these Parts you purchased is shown on the Coverage Selections Page. With the exception of Emergency Road Service (Part 10), we must sell you any or all of the Optional coverages you wish, subject to certain deductibles and limits specified in Massachusetts law. However, Massachusetts law provides that we may refuse to sell Collision (Part 7) and Comprehensive (Part 9), or both, in certain specified instances. Because two of the Optional coverages Collision (Part 7) and Limited Collision (Part 8) duplicate each other in many ways, you may buy one of them but not both. If you do not buy either one, you still have the right to sue people who damage your motor vehicle but we will not provide any assistance to you for any direct and accidental damage to your motor vehicle caused by a collision under this policy. Throughout Optional Insurance the following definitions apply: Actual cash value is the value of a motor vehicle based on a consideration of all the following factors: (a) the retail book value for a motor vehicle of like kind and quality, but for the damage incurred; (b) the price paid for the vehicle plus the value of prior improvements to the motor vehicle at the time of the accident, less appropriate depreciation; (c) the decrease in value of the motor vehicle resulting from prior unrelated damage which is detected by the appraiser; and (d) the actual cost of purchase of an available motor vehicle of like kind and quality but for the damage sustained. Betterment is improvement of the motor vehicle or property to a value greater than its pre-loss condition. Custom parts or equipment means equipment, devices, enhancements and changes, other than those which are original manufacturer installed, which are permanently installed or attached, or alter the appearance or performance of your motorcycle. This includes, but is not limited to: (a) (b) (c) (d) Non-Stock sidecars; Trike conversion kits; Paint; Electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or to play back recorded media. Custom parts or equipment also includes a trailer that is attached to or detached from your motor vehicle or a non-owned motor vehicle. We will not pay under any of the Optional coverages: 1. If the accident happens while your motor vehicle is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in a reimbursement program either as a volunteer or at work. 2. For loss to custom parts or equipment, in excess of $2,000, unless the existence of those custom parts or equipment has been previously reported to us and an endorsement to the policy has been added. 3. For loss or damage to equipment designed for the detection or avoidance of any law enforcement speed measuring device. This does not apply to electronic equipment designed solely for safety warning systems. 4. For injury or damage that is intentionally caused by you, a household member or anyone else using your motor vehicle with your consent. A40MA (04-14) Page 7 of 21 Policy Change Page 13 of 28

162 OPTIONAL INSURANCE (CONTINUE D) 5. While any motor vehicle is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing, or parking motor vehicles. This exclusion does not apply to the ownership, maintenance or use of your motor vehicle by you or a household member. 6. While anyone is using any motor vehicle in the course of any business. PART 5 - OPTIONAL BODILY INJURY TO OTHERS Under this Part, we will pay damages to people injured or killed in accidents if you or a household member is legally responsible for the accident involving your motor vehicle or a motorcycle not owned by you. We will also pay damages if someone else using your motor vehicle with your consent is legally responsible for the accident. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. This Part is similar to Compulsory Bodily Injury To Others (Part 1). Like the Compulsory Part, this Part pays for accidents involving your motor vehicle in Massachusetts. Also like the Compulsory Part, this Part does not pay for the benefit of anyone using a motor vehicle without the consent of the owner. Unlike the Compulsory Part, this Part does provide coverage for injuries to guest occupants and for accidents occurring outside Massachusetts. The following are not covered: A. The United States of America or any of its agencies, B. Any person while using a motor vehicle in the course of his employment by the United States Government if the Federal Tort Claim Act requires the Attorney General of the United States to defend that person in any civil action or proceeding for bodily injury or property damage, whether or not the accident has been reported to the United States or the Attorney General. C. The Commonwealth of Massachusetts or any of its agencies. We will not pay or defend: 1. For injuries to employees of the person using the motor vehicle who are injured in the course of employment. 2. For injuries resulting from an accident while a household member is using a motor vehicle which you or any household member owns or uses regularly, unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 3. For injuries resulting from an accident while you are using a motor vehicle which you or a household member owns or uses regularly, unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 4. For any liability assumed under any contract or agreement. 5. For punitive or exemplary damages. 6. For injuries to guest occupants, unless occupying your motor vehicle or a motorcycle not owned by you, which is designed for a passenger. If the accident occurs in any other state, the District of Columbia, a United States territory or possession, or in a Canadian province and you have purchased any coverage at all under this Part, your policy will automatically apply to that accident, as follows, if the state, the District of Columbia, United States territory or possession, or Canadian province has: 1. A financial responsibility law or similar law requiring limits of liability for bodily injury or property damage higher than the limits you have purchased, your policy will provide the higher required limits. 2. A compulsory insurance or similar law requiring your motor vehicle to have insurance whenever it is used in the state, the District of Columbia, United States territory or possession, or Canadian province, your policy will provide at least the required minimum amounts and types of coverage. The limits shown for this Part on the Coverage Selections Page are the total limits you have under Compulsory Bodily Injury to Others (Part 1) and this Part. This means that the Compulsory limits are included within the limits shown on the Coverage Selections Page for this Part and are not in addition to them. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the per person limit for the motor vehicle involved in that accident. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the per accident limit for the motor vehicle involved in that accident. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. A40MA (04-14) Page 8 of 21 Policy Change Page 14 of 28

163 OPTIONAL INSURANCE (CONTINUE D) However, if the claim is covered by us and another motor vehicle policy, we will pay only our proportionate share of those damages not paid by the owner s motor vehicle insurance. If someone covered under this Part is using a motorcycle or temporary substitute he or she does not own at the time of the accident, the owner s insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on your Coverage Selections Page. Any payments we make to anyone or for anyone under Bodily Injury Caused By An Uninsured Auto (Part 3) will reduce the amount of damages that person is entitled to recover from anyone covered under this Part. We will also pay up to $250 for the cost of bail bonds required as a result of an accident covered under this Part including bail bonds for traffic law violations related to the accident. We must sell you limits up to $35,000 per person and $80,000 per accident if you want to buy them. Higher limits may be purchased if agreed upon by you and by us. However, while any motor vehicle covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits. While a motor vehicle covered under this part is participating in an organized track event, the most we will pay is the required minimum limits. ACTION AGAINST US No person alleging coverage under Part 5. Optional Bodily Injury to Others may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 5. Optional Bodily Injury to Others unless the person alleging coverage has fully complied with all the policy s terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 5. Optional Bodily Injury to Others, has a right under this policy to make us a defendant in an action to determine the person alleging coverage liability. Bankruptcy or insolvency of the person alleging coverage under Part 5. Optional Bodily Injury to Others or of his estate will not relieve us of our obligations. PART 6 - MEDICAL PAYMENTS Under this Part, we will pay reasonable expenses for necessary medical and funeral services incurred as a result of an accident. We will pay for expenses resulting from bodily injuries to anyone occupying your motor vehicle at the time of the accident. We will also pay for expenses resulting from bodily injuries to you or any household member if struck by a motor vehicle or if occupying a motorcycle not owned by you at the time of the accident. We will not pay for expenses resulting from injuries to: 1. Anyone injured while in a vehicle which had been placed off the public roads for use as a residence. 2. Anyone injured in the course of employment in selling, servicing, repairing or parking motor vehicles if that person is entitled to workers compensation benefits. 3. Anyone employed by you or your spouse who is injured in the course of employment. This exception does not apply to any domestic employee who is not entitled to any workers compensation benefits. 4. Anyone injured while occupying a motor vehicle without a reasonable belief that he or she had the consent of the owner to do so. 5. A household member while occupying or struck by a motor vehicle owned or regularly used by you or any household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 6. You while occupying or struck by a motor vehicle owned or regularly used by you or any household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. 7. Any person, if such person s conduct contributed to his bodily injury under any of the following circumstances: (a) causing bodily injury to himself intentionally; (b) while committing a felony. 8. The United States of America or any of its Agencies as an insured, a third party beneficiary or otherwise. We will not pay for expenses incurred more than two years after the date of the accident. We will not pay under this Part for any expenses that are payable under the PIP coverage of this policy or any other Massachusetts motor vehicle policy. A40MA (04-14) Page 9 of 21 Policy Change Page 15 of 28

164 OPTIONAL INSURANCE (CONTINUED) The most we will pay for any one person as a result of any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many motor vehicles or premiums are shown on the Coverage Selections Page. If someone covered under this Part is also entitled to Medical Payments coverage under another motor vehicle policy issued to you or any household member, we will pay only our proportionate share. If someone covered under this Part is using a motor vehicle he or she does not own at the time of the accident, the owner s Medical Payments insurance must pay its limit before we pay. Then, we will pay up to the limit shown on your Coverage Selections Page for any expenses not covered by that insurance. We will not pay benefits under this Part which duplicate payments made under the Medical Payments coverage of any other motor vehicle policy. We must sell you limits of $5,000 per person if you want to buy them. Higher limits or lower limits may be purchased if agreed upon by you and us. However, while a motor vehicle covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits or the limit on your Coverage Selections Page, whichever is less. While a motor vehicle covered under this part is participating in an organized track event, the most we will pay is the required minimum limits or the limit on your Coverage Selections Page, whichever is less. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 6. Medical Payments, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. PART 7 COLLISION Under this Part, we will pay for any direct and accidental damage to your motor vehicle caused by a collision. We will also pay for collision damage to a motorcycle used by you or a household member with the consent of the owner. It does not matter who is at fault. We will pay the cost to physically repair your motor vehicle or a motorcycle you do not own or any of its parts up to the actual cash value at the time of the collision and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either: (a) the actual cash value of; or (b) the cost to physically repair your motor vehicle, or a motorcycle you do not own, whichever is less. The cost to physically repair is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation/betterment and for the physical condition of the property. We will, at our option: (a) repair; (b) repair or replace any parts of; or (c) declare a total loss of your motor vehicle or a motorcycle you do not own. If the repair of a damaged part will impair the operational safety of said vehicle we will replace the part. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. We will not pay for damage to any motor vehicle which is owned or regularly used by you or a household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. We will not pay if an accident occurs while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, whether or not prearranged or organized. We will not pay if a motor vehicle is participating in an organized motor vehicle track event. We will not pay for any liability assumed under any other contract or agreement. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your motor vehicle. A40MA (04-14) Page 10 of 21 Policy Change Page 16 of 28

165 OPTIONAL INSURANCE (CONTINUED) We will not pay for a collision loss for an accident which occurs while your motor vehicle is being operated by a household member who is not listed as an operator on this policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on this policy because: 1. the household member would be classified as an inexperienced operator, or 2. more points would be assigned under a merit rating plan. We will not pay for damage to custom parts or equipment, other than a trailer, on your off-road vehicle. We will not pay for damage to your off-road vehicle, if the damage does not affect the structure or safe operation of your off-road vehicle. You must notify us within 60 days after a person who will operate your motor vehicle becomes a household member, if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your motor vehicle, becomes a licensed operator. If we pay for the total loss of your motor vehicle, we will suspend the Collision Coverage for that motor vehicle until it passes a Motor Vehicle Inspection Test. If a temporary substitute or a motorcycle covered under this Part is not owned by you at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay, then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 8 - LIMITED COLLISION Under this Part, we will pay in some situations for direct and accidental damage to your motor vehicle caused by a collision. We will also pay for collision damage to a motorcycle used by you or a household member with the consent of the owner. We will pay the cost to physically repair your motor vehicle or a motorcycle you do not own or any of its parts up to the actual cash value at the time of the collision and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either: (a) the actual cash value of; or (b) the cost to physically repair your motor vehicle or a motorcycle you do not own, whichever is less. The cost to physically repair is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation/ betterment and for the physical condition of the property. We will, at our option: (a) repair; (b) repair or replace any parts of; or (c) declare a total loss of your motor vehicle or motorcycle you do not own. If the repair of a damaged part will impair the operational safety of said vehicle we will replace the part. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. We will not pay for damage to any motor vehicle which is owned or regularly used by you or a household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. We will not pay if an accident occurs while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. We will not pay if a motor vehicle is participating in an organized track event. A40MA (04-14) Page 11 of 21 Policy Change Page 17 of 28

166 OPTIONAL INSURANCE (CONTINUED) We will not pay for any liability assumed under any other contract or agreement. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your motor vehicle. We will not pay for damage to custom parts or equipment, other than a trailer, on your off-road vehicle. We will not pay for damage to your off-road vehicle if the damage does not affect the structure or safe operation of your off-road vehicle. We will not pay for a loss for an accident which occurs while your motor vehicle is being operated by a household member who is not listed as an operator of this policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on this policy because: 1. the household member would be classified as an inexperienced operator, or 2. more points would be assigned under a merit rating plan. You must notify us within 60 days after a person who will operate your motor vehicle becomes a household member if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your motor vehicle, becomes a licensed operator. The protection under this Part is not as broad as under Collision coverage but the premium is considerably less. We only pay under this Part for accidents involving multiple motor vehicles in which the driver of the motor vehicle we are covering was no more than 50% at fault. We will not pay if the owner of the other motor vehicle cannot be identified. After a claim under this Part, we are required to determine whether the driver of the motor vehicle we are covering was more than 50% at fault. We will notify you of our determination. As long as the driver of the motor vehicle covered under this Part was not more than 50% at fault, his or her percentage of fault will not affect the amount of our payment. We will consider the driver of the motor vehicle covered under this Part to be no more than 50% at fault if: 1. That motor vehicle was legally parked when struck by another motor vehicle. 2. That motor vehicle was struck in the rear by another motor vehicle moving in the same direction. 3. The operator of the other motor vehicle was convicted of certain violations listed in Massachusetts law or any similar law of another state in which the accident occurs. However, we will not pay if the operator of the motor vehicle covered under this Part was also convicted of one of the same violations. 4. That driver is entitled to recover in court against an identified person for some reason other than those listed above. If we pay for the total loss of your motor vehicle, we will suspend the Limited Collision Coverage for that motor vehicle until it passes a Motor Vehicle Inspection Test. If a temporary substitute or a motorcycle covered under this Part is not owned by you at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay, then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 9 COMPREHENSIVE Under this Part, we will pay for direct and accidental damage to or loss of your motor vehicle other than damage caused by collision. We will also pay for such damage or loss to a motorcycle used by you or a household member with the consent of the owner. We will pay the cost to physically repair your motor vehicle or a motorcycle you do not own or any of its parts up to the actual cash value at the time of loss and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either: (a) the actual cash value of; or A40MA (04-14) Page 12 of 21 Policy Change Page 18 of 28

167 OPTIONAL INSURANCE (CONTINUED) (b) the cost to physically repair your motor vehicle or a motorcycle you do not own, whichever is less. The cost to physically repair is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation/betterment and for the physical condition of the property. We will, at our option: (a) repair; (b) repair or replace parts of; or (c) declare a total loss of your motor vehicle or motorcycle you do not own. If the repair of a damaged part will impair the operational safety of said vehicle we will replace the part. We will reimburse you for substitute transportation expenses if your motor vehicle is stolen. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. Your deductible does not apply to glass breakage. Your deductible does not apply to substitute transportation expenses following a theft. We will not pay for such damage or loss to any motor vehicle which is owned or regularly used by you or a household member unless a premium for this Part is shown for that motor vehicle on the Coverage Selections Page. We will not pay if an accident occurs while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. This Part is not a substitute for Collision (Part 7) or Limited Collision (Part 8). We will not pay if a motor vehicle is participating in an organized track event. We will not pay for any liability assumed under any other contract or agreement. We will not pay for damage to custom parts or equipment, other than a trailer, on your off-road vehicle. We will not pay for damage to your off-road vehicle if the damage does not affect the structure or safe operation of your off-road vehicle. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your motor vehicle. We consider glass breakage when not involving other collision loss, and the following types of losses to be Comprehensive and not Collision losses: losses caused by vandalism, fire and theft, missiles, falling objects, larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, riot or contact with a bird or animal. If your motor vehicle is stolen, you must report the theft to us and the police. We will reimburse you only for transportation expenses incurred after the first 48 hours following those reports. We will not pay for transportation expenses incurred prior to that time. After that, we will reimburse you up to $25 a day to a maximum of $750. Your right to reimbursement stops on the day your motor vehicle is located or before that time if we pay you for the theft loss. If you choose not to rent a motor vehicle, we will reimburse you up to the same amount for taxicab fares, bus fares and other transportation expenses. If your motor vehicle is found, we will pay the cost of transporting it to your last address shown on the Coverage Selections Page. However, our total payment for transporting your motor vehicle and for repairs will not be more than the actual cash value of your motor vehicle. If your motor vehicle is damaged by fire, you must report the loss to us and the fire department. Massachusetts law requires that if we pay for the total loss of your motor vehicle as a result of a fire or theft, we may suspend coverage for a fire or theft loss under this Part for any replacement motor vehicle unless it is made reasonably available for our inspection within two Registry of Motor Vehicles business days following the day you acquired it. We may also raise your deductible unless you install an approved anti-theft device in the replacement motor vehicle. If a temporary substitute or a motorcycle covered under this Part is not owned by you at the time of the accident, the owner s motor vehicle insurance must pay its limit before we pay. Then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage or loss not covered by that insurance less the deductible amount you selected. A40MA (04-14) Page 13 of 21 Policy Change Page 19 of 28

168 OPTIONAL INSURANCE (CONTINUED) ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 10 - EMERGENCY ROAD SERVICE If you have purchased Emergency Road Service for your motorcycle, we will pay reasonable expenses you or a household member incur, or other person using your motorcycle with your permission incurs, for: 1. mechanical labor up to one hour at the place of breakdown; 2. lockout services up to $100 per lockout if keys to the motor vehicle are lost or broken; 3. if it will not run, towing to the nearest repair facility where the necessary repairs can be made; 4. towing it out if it is stuck on or immediately next to a public highway; 5. delivery of gas, oil, loaned battery, or change of tire. WE DO NOT PAY FOR THE COST OF THE GAS, OIL, LOANED BATTERY, OR TIRE(S). This coverage is not available for off-road vehicles. OBTAINING SERVICE UNDER THIS COVERAGE You may secure service under this Part in the following manner: SIGN AND DRIVE The first method, called "sign and drive", features a toll-free number in which the insured calls a GEICO Emergency Road Service representative who will dispatch a service vendor. Upon verification of Emergency Road Service (ERS) coverage, reasonable and necessary charges for covered services provided will be automatically billed to the Company by the service vendor. The insured need only sign a receipt at the time of service which authorizes the Company to directly pay the service vendor. Any additional mileage, other fees not specifically addressed above, or lockout services in excess of $100 will be at the insured s expense. HIRED SERVICES The second method occurs when the insured does not use the sign and drive feature described above and hires services without prior approval from the Emergency Road Service (ERS) Department. Upon verification of Emergency Road Service (ERS) coverage, an insured will be reimbursed for covered services provided, up to a limit of $50. Lockout services are limited to $100. Requests for reimbursement must be accompanied by an original itemized receipt and must be submitted within three years of service. There will be a limit of one reimbursement per disablement. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. PART 11 - BODILY INJURY CAUSED BY AN UNDERINSURED AUTO Sometimes an owner or operator of a motor vehicle legally responsible for an accident is underinsured. Under this Part, we will pay damages for bodily injury to people injured or killed as a result of certain accidents caused by someone who does not have enough insurance. We will only pay if the injured person is legally entitled to recover from the owners or the operators of all underinsured motor vehicles. Such injured person has a claim under this Part when the limits for motor vehicle bodily injury liability insurance covering the owners and operators of the legally responsible motor vehicles are: 1. Less than the limits shown for this Part on your Coverage Selections Page; and 2. Not sufficient to pay for the damages sustained by the injured person. A40MA (04-14) Page 14 of 21 Policy Change Page 20 of 28

169 OPTIONAL INSURANCE (CONTINUED) We will pay damages to or for: 1. You, while occupying your motor vehicle, while occupying a motorcycle you do not own, or if injured as a pedestrian. 2. Any household member, while occupying your motor vehicle, while occupying a motorcycle not owned by you, or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts motor vehicle policy of his or her own or who is covered by a Massachusetts motor vehicle policy of another household member providing underinsured motor vehicle insurance with higher limits. 3. Anyone else while occupying your motor vehicle. We will not pay damages to or for anyone else who has a Massachusetts motor vehicle policy of his or her own or who is covered by a Massachusetts motor vehicle policy of another household member providing underinsured motor vehicle coverage. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. Coverage for off-road vehicles under this Part only applies if the accident occurs on a public road. If you are injured while occupying your motor vehicle and you have two or more motor vehicles insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for the motor vehicle you are occupying when injured. If you are injured while occupying your motor vehicle and have two or more Massachusetts motor vehicle policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. If you are injured as a pedestrian or while occupying a motor vehicle you do not own and have two or more Massachusetts motor vehicle policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay to or for: 1. You, while occupying a motor vehicle you own unless a premium charge is shown for that motor vehicle on your Coverage Selections Page. 2. Anyone injured while occupying your motor vehicle while it is being used as a public or livery conveyance. This does not apply to the use of your motor vehicle in an expense reimbursement program either as a volunteer or at work. 3. Anyone injured while using a motor vehicle without the consent of the owner. 4. Anyone injured while a motor vehicle is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. 5. Any household member if struck by, or while occupying a motor vehicle owned by that household member which does not have Massachusetts compulsory motor vehicle insurance. 6. Anyone injured while a motor vehicle is participating in an organized track event. 7. Punitive or exemplary damages. We will reduce the damages an injured person is entitled to recover by: 1. The total amount collected from the motor vehicle bodily injury liability insurance covering the legally responsible owners and operators of all insured motor vehicles. 2. The amount recovered from any legally responsible person provided the injured person is fully compensated for his or her damages for bodily injury. 3. The amount paid under a workers compensation law or similar law. 4. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts motor vehicle policy. If only one person sustains bodily injury, we will pay any unpaid damages up to the difference between the total amount collected from the motor vehicle bodily injury liability insurance covering the legally responsible owners and operators of all insured motor vehicles and the per person limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to one or more persons as the result of bodily injury to any one person in any one accident. Subject to the per person limit, if two or more people sustain bodily injury and are entitled to coverage under this Part, we will pay any unpaid damages up to the difference between the motor vehicle bodily injury liability insurance per accident limit covering the legally responsible owners and operators and the per accident limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a A40MA (04-14) Page 15 of 21 Policy Change Page 21 of 28

170 OPTIONAL INSURANCE (CONTINUED) demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without our written consent. We will not, however, unreasonably withhold our consent. The limits of two or more motor vehicles or policies shall not be added together, combined or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of motor vehicles involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicate payments under the underinsured auto insurance of any other motor vehicle policy. This Part will not benefit any insurer or self-insurer under a workers compensation law or any similar law. ACTION AGAINST US No person alleging coverage under Part 11. Bodily Injury Caused By An Underinsured Auto may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 11. Bodily Injury Caused By An Underinsured Auto, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. If a person alleging coverage commences action against the owner or operator of an underinsured motor vehicle to recover damages for loss arising out of the accident and gives us written notice of such action within 30 days after such action is commenced, an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, may be brought after two years of the date the cause of action accrues, but in no event later than the earliest of the following to occur: A. two years after entry of a final judgment or other court order terminating such lawsuit against the owner or operator of an underinsured motor vehicle; or B. two years after we deny coverage. If any person alleging coverage sues a person believed responsible for the accident without our written consent, we are not bound by any resulting judgment. GENERAL PROVISIONS AND EXCLUSIONS This section of the policy contains general provisions which, unless otherwise noted, apply to all your coverages. It also describes some situations in which policy benefits will not be paid. 1. Where You Are Covered Compulsory Bodily Injury To Others (Part 1) only covers accidents in Massachusetts. All the other Parts provide coverage for accidents and losses which happen in the United States or Canada. We consider United States territories and possessions and Puerto Rico to be part of the United States. We will pay for accidents and losses which happen while your motor vehicle is being transported between ports of the United States and Canada. Your motor vehicle is not covered in any other country. 2. Our Duty To Defend You And Our Right To Settle We have the right to defend any lawsuit brought against anyone covered under this policy for damages which might be payable under this policy. We also have a duty to defend any such lawsuit, even if it is without merit, but our duty to defend ends when we tender, or pay to any claimant or to a court of competent jurisdiction, with the court s permission, the maximum limits of coverage under this policy. We may end our duty to defend at any time during the course of the lawsuit, by tendering, or paying the maximum limits of coverage under the policy, without the need for a judgment or settlement of the lawsuit or a release by the claimant. We have the right to settle any claim or lawsuit as we see fit. If any person covered under this policy settles a claim or has been awarded a judgment without our consent, we will not be bound by that settlement or judgment. 3. Additional Costs We Will Pay We will pay, in addition to the limits shown for Compulsory and Optional Bodily Injury To Others (Parts 1 and 5) and Damage to Someone Else s Property (Part 4): A. Premiums on appeal bonds and premiums on bonds to release attachments for an amount up to the applicable limits you selected in any suit we defend. B. Interest calculated on that part of a judgment that is within our limit of liability and accruing after judgment, and until we pay, offer to pay, or deposit in court, the amount due under this coverage. C. Up to $50 a day for loss of earnings, but not for loss of other income, to any person covered under this policy who attends hearings or trials at our request. D. Other reasonable expenses incurred at our request. A40MA (04-14) Page 16 of 21 Policy Change Page 22 of 28

171 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED ) 4. What Happens If You Die If you die, we will continue coverage for the period of this policy for: A. Your spouse, if a resident of your household at your death. B. Any legal representative to the extent he or she is responsible for maintenance or use of your motor vehicle. C. Any person having proper temporary custody of your motor vehicle. 5. Our Right To Be Repaid Sometimes we may make a payment under this policy to you or to someone else who has a separate legal right to recover damages from others. In that case, those legal rights may be exercised by us. Anyone receiving payment under those circumstances must do nothing to interfere with those rights. He or she must also do whatever is necessary to help us recover for ourselves up to the amount we have paid. If we then recover more than we paid, we will pay that person the excess, less his or her proportionate share of the costs of recovery, including reasonable attorneys fees. Any amount recovered, because of a payment we make under Part 3 or Part 11 of this policy shall first be applied to any unpaid damages due that person. Such unpaid damages must be a part of a claim settled with our consent or a part of a judgment resulting from a lawsuit brought with our written consent. Any balance then remaining shall be applied to the amounts we have paid under Part 3 or Part 11. We will reduce the amount we will pay that person by his or her proportionate share of the costs of recovery including reasonable attorneys fees. Sometimes you or someone else may recover money from the person legally responsible for an accident and also receive money from us for the same accident. If so, the amount we paid must be repaid to us to the extent that you or someone else recovers. If you or someone else recover money from the person legally responsible for the accident and also receive money from us for the same accident as a payment under Part 3 or Part 11 of this policy, we must be repaid for any amounts so paid but only to the extent that such recovery exceeds any unpaid damages due that person under a claim settled with our consent or judgment resulting from a lawsuit brought with our written consent. Whenever we are entitled to repayment from anyone, the amount owed us can be reduced by our proportionate share of the costs of recovering the money, including reasonable attorneys fees. In either case we do not have to be repaid for any money we have paid under Medical Payments (Part 6). 6. When You Have More Than One Policy With Us You may have more than one policy with us covering the same accident. In that case, the most we will pay is the highest amount payable under the applicable coverage in any one of those policies. However, claims made under Bodily Injury Caused By An Uninsured Auto (Part 3) and Bodily Injury Caused By An Underinsured Auto (Part 11) are treated differently. The difference is explained in the description of the coverage for these Parts. 7. If You Go Bankrupt Bankruptcy or insolvency of any person covered under this policy does not relieve us of any of our obligations under this policy. 8. We Do Not Pay For Nuclear Losses, War Losses, Or Terrorism We will not pay under Damage To Someone Else s Property (Part 4) and Optional Bodily Injury To Others (Part 5) for any person who is an insured under a nuclear energy liability policy or who would be an insured under such a policy had it not already exhausted its limits. We will not pay under any optional coverages (Parts 5, 6, 7, 8, 9, 10 and 11) for losses or damage caused by radioactive contamination or by acts of war, insurrection, rebellion, terrorism or revolution or any act incident to any of these. 9. We Do Not Pay For Ordinary Wear Or Tear We will not pay for damage to your motor vehicle which is due solely to ordinary wear and tear, freezing, mechanical or electrical failure, or for ordinary road damage to tires. We will, however, pay for this damage if it is the result of some other loss which is covered by this policy. 10. If We Pay For A Total Loss If we pay for the total loss of your motor vehicle, we have the right, if we so choose, to take title to that motor vehicle. We also have the right, if we so choose, to take any damaged part for which we pay. 11. Repair And Payment After A Collision Or Loss; If We Disagree On The Amount of Damage ( Parts 7, 8, 9) Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9), you must allow us to have the motor vehicle appraised after a collision or loss. If we have a direct payment plan approved by the Commissioner of A40MA (04-14) Page 17 of 21 Policy Change Page 23 of 28

172 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED ) Insurance, we will pay you in accordance with the appraisal and allow you to select a repair shop of your choice. If you choose not to have your motor vehicle repaired, or if we do not receive your Repair Certification Form, or, when requested, you do not make your motor vehicle available for reinspection within a reasonable period of time following repair, our payments automatically reduce the actual cash value of your motor vehicle if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. If you choose not to accept payment under our direct payment plan or we do not have such a plan, and you have your motor vehicle repaired in accordance with the appraisal, you must send us a Completed Work Claim Form. We must pay you within 7 days after receiving the form. If we fail to pay you within 7 days after receipt of the Completed Work Claim Form, you have the right to sue us. If a court decides that we were unreasonable in refusing to pay you on time, you are entitled to double the amount of damage plus costs and reasonable attorneys fees. If you request us to, we will pay the repair shop directly; however, the repair shop must certify that it meets certain requirements. If you choose not to have your motor vehicle repaired, or if we do not receive your Completed Work Claim Form, we will determine the amount of decrease in the actual cash value of your motor vehicle and pay you that amount less your deductible. Our payment automatically reduces the actual cash value of your motor vehicle if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. We have a right to inspect all repairs. Sometimes there may be a disagreement as to the amount of money we owe for losses or damage to a motor vehicle. If so, Massachusetts law provides for a method of settling the disagreement. Either you or we can, within 60 days after you file your proof of loss, demand in writing that appraisers be selected. The appraisers must then follow a procedure set by law to establish the amount of damage. Their decision will be binding on you and us. You and we must share the cost of the appraisal. 12. Sales Tax Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) we will pay, subject to your deductible, all sales taxes applicable to the loss of or damage to a motor vehicle. 13. Secured Lenders When your Coverage Selections Page shows that a lender has a secured interest in your motor vehicle, we will make payments under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) according to the legal interests of each party. The secured lender s right of payment will not be invalidated by your acts or neglect except that we will not pay if the loss of or damage to your motor vehicle is the result of conversion, embezzlement, or secretion by you or any household member. Also, we will not pay the secured lender if the loss of or damage to your motor vehicle is the result of arson, theft or any other means of disposal committed by you or at your direction. When we pay any secured lender we shall, to the extent of our payment, have the right to exercise any of the secured lender s legal rights of recovery. If you do not file a proof of loss as provided in this policy, the secured lender must do so within 30 days after the loss or damage becomes known to the secured lender. In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must be sent to the secured lender as provided in this policy. 14. No Benefits To Anyone In The Motor Vehicle Business Coverage under Optional Bodily Injury To Others, Medical Payments, Collision, Limited Collision, Comprehensive and Bodily Injury Caused By An Underinsured Auto (Parts 5, 6, 7, 8, 9, and 11) shall not in any way benefit any person or organization having possession of your motor vehicle for the purpose of servicing, repairing, parking, storing, or transporting it or for any similar purpose. 15. If Two Or More Motor Vehicles Are Insured Under This Policy Two or more motor vehicles may be insured under this policy. There may be different limits for each motor vehicle. If so, when someone covered under this policy is injured while a pedestrian, or is using a motor vehicle other than your motor vehicle at the time of the accident, the most we will pay under any applicable Part is the highest limit shown for that Part for any one motor vehicle on your Coverage Selections Page. 16. Trailers When a trailer is attached to a motor vehicle, we consider the motor vehicle and trailer together to be one motor vehicle in applying the limits shown on the Coverage Selections Page under Bodily Injury To Others, Damage To Someone Else s Property and Optional Bodily Injury To Others (Parts 1, 4 and 5). A40MA (04-14) Page 18 of 21 Policy Change Page 24 of 28

173 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED) 17. Premiums For Extensions Or Renewals The premium we will charge for any extension or renewal of this policy will be in accordance with our rates and rules in effect at the time of the effective date of the extension or renewal. 18. False Information If you or someone on your behalf gives us false, deceptive, misleading or incomplete information in any application or policy change request and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts of this policy. Such information includes the description and the place of garaging of the vehicles to be insured, the names of all household members and customary operators required to be listed and the answers given for all listed operators. We may also limit our payments to those amounts that we are required to sell under Part 3 and Part 4 of this policy. 19. Changes Which Affect Premium If the information contained in your application changes before this policy expires, we have the right to adjust your premium to reflect such changes. You must inform us of any changes which may have a material effect on your insurance coverage or premium charges, including but not limited to the description, ownership, type of usage and place of garaging of your motor vehicle; and the household members and individuals who customarily operate your motor vehicle. 20. Pre-Insurance Inspection Massachusetts law requires that we inspect certain motor vehicles before providing coverage for Collision, Limited Collision, or Comprehensive (Parts 7, 8 or 9). If inspection of your motor vehicle is required, it may be deferred in some cases for ten calendar days (not including legal holidays and Sundays), following the effective date of coverage, or the date on which the state approved Form B/pre-insurance inspection form was mailed, whichever is later. If you do not have your motor vehicle inspected within the time allowed, coverage for that motor vehicle will be automatically suspended. Your premium will be adjusted if the suspension lasts for more than ten days. 21. Assignment With respect to Collision (Part 7), Limited Collision (Part 8), and Comprehensive (Part 9) an assignment of interest under this policy will not bind us without our consent. Any nonconforming assignment shall be void and invalid. Moreover, the assignee shall acquire no rights under this contract and we shall not recognize any such assignment. This limitation upon assignment shall not affect our right to subrogation under this contract. 22. Choice Of Law The policy and any amendment(s) and endorsement(s) are to be interpreted pursuant to the laws of the state of Massachusetts. 23. Arbitration (Parts 1, 2, 4, 5, 6, 10, 11) Under Parts 1, 2, 4, 5, 6, 10, and 11, if any person making claim and we do not agree that such person is legally entitled to recover damages, or the amount of payment, then the person making claim and we may elect by mutual agreement at the time of the dispute to settle the matter by arbitration. Arbitration pursuant to this contract under Parts 1, 2, 4, 5, 6, 10, and 11 shall be subject to the following: 1. Each party will select an arbitrator and the two arbitrators so named will select a third arbitrator. Each party shall pay its own arbitrator, attorney fees, costs of arbitration, fees of experts and 50% of the third arbitrator s fees to the extent allowed by law. 2. No arbitrator shall have the authority to award punitive damages or attorney s fees; 3. Neither of the parties shall be entitled to arbitrate any claims or disputes in a representative capacity or as a member of a class; and 4. No arbitrator shall have the authority, without the mutual consent of the parties, to consolidate claims or disputes in arbitration. If such arbitrators are not selected within 45 days of such request, either party may request that the matter be submitted for arbitration to the American Arbitration Association. Judgment upon the award rendered by the arbitrators may be entered in any court having jurisdiction thereof. Unless both parties agree otherwise, arbitration will take place in the county and state in which the person making claim lives. A40MA (04-14) Page 19 of 21 Policy Change Page 25 of 28

174 CANCELLATION AND RENEWAL CANCELLATION Cancellation of this policy is something you should ordinarily have no reason to worry about. You can cancel any of the Optional Insurance Parts at any time. Because all of the Compulsory Insurance Parts are required, you cannot cancel any of them separately. You can, of course, cancel all of the Compulsory Insurance Parts by giving us written notice. We can cancel all of any part of this policy including your Compulsory Insurance if: 1. You have not paid your premium on this policy; 2. We find that you were responsible for fraud or material misrepresentation when you applied for this policy or any extension or renewal of it; or 3. There is a suspension or revocation during the policy period of the operator s license or motor vehicle registration of you or any other person residing in the same household as you and who usually operates a motor vehicle insured under the policy. 4. You fail to comply with a request for a motor vehicle safety inspection test for a vehicle that was previously totaled in a prior accident; 5. You fail to complete and furnish us with a renewal application on a form prescribed by the Commissioner at least 30 days before the expiration of the previous policy period. If the driver s license or motor vehicle registration of anyone residing in your household who usually operates your motor vehicle has been under suspension or revocation during the policy period, we may suspend coverage for that person under any of the Optional Insurance Parts of the policy. We may also reduce the limits available for that person under Bodily Injury Caused By An Uninsured Auto and Damage To Someone Else s Property (Parts 3 and 4) to the minimum limits we are required to sell. We can cancel Emergency Road Service (Part 10) for reasons other than those listed above if we do so within the first 90 days of the policy period. We can cancel, for reasons other than those listed above if we do so within the first 90 days of the policy period, coverage limits which are higher than the limits we are required by law to sell you and any coverages designed to reduce the deductibles set by law. AUTOMATIC TERMINATION Massachusetts law provides that your policy automatically terminates and a Notice of Cancellation will not be sent to you when: 1. You return the registration plates for your motor vehicle to the Registry of Motor Vehicles. 2. You purchase a new policy with another company covering your motor vehicle and a new Certificate of Insurance is filed with the Registry of Motor Vehicles. 3. You transfer title to your motor vehicle, and you do not register another motor vehicle. However, if more than one motor vehicle is described on the Coverage Selections Page, the termination of coverage applies only to the motor vehicle involved in any of the situations described above. LEGAL NOTICE REQUIREMENT Any notice of cancellation will be sent to you at your last address shown on the Coverage Selections Page at least 20 days prior to the effective date. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service will be considered sufficient notice. In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must also be sent to the secured lender in a similar manner. If we cancel this policy in its entirety, the cancellation is not effective unless we send the required notice to the Registry of Motor Vehicles. If the policy is cancelled, the amount of your refund will be determined by a pro-rata calculation based on the number of days the policy was in effect. No refund of premium will be sent to you upon cancellation of the policy until we receive a receipt showing that the registration plates assigned to the insured motor vehicle have been returned to the Registry of Motor Vehicles or other document showing that you have replaced the insurance required by law. If you think that we have cancelled your policy illegally, you can appeal our decision. Your cancellation notice will explain how to appeal. RENEWAL If we decide not to renew this policy or any of its Parts, we must mail our notice to you at your last address shown on the Coverage Selections Page at least 45 days before your policy runs out. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service will be considered sufficient notice. If we require a renewal application, and you fail to complete and return it to us within the specified time, we then have the right to cancel the renewal policy. A40MA (04-14) Page 20 of 21 Policy Change Page 26 of 28

175 WHEN THERE IS AN ACCIDENT OR LOSS First, Help Any Injured Person Call an ambulance or the police, and of course, cooperate with them. Do whatever is reasonable to protect the motor vehicle from further damage or loss. We will pay for any reasonable expenses incurred in doing this. Second, Notify The Police, Registry Or Fire Department Under Massachusetts law, notice to the local or state police and the Registry of Motor Vehicles is required within 5 days if there is anyone injured in an accident, no matter how slight the injury, or if there is reason to believe that there has been over $1,000 in total property damage. Within 24 hours, notify both the police and us if your motor vehicle is stolen or if you have been involved in a hit-and-run accident. You must report a fire loss to the fire department. The notice to the police or the fire department must be on the form required by law. Third, File The Claim With Us We do not know about accidents or losses until you or someone else notifies us. We must be notified promptly of the accident or loss by you or someone on your behalf. The notification should include as many details as possible, including names and addresses of drivers, injured persons and witnesses. If you or any person seeking payment under this policy fail to notify us promptly of any accident or claim under Parts 2, 3, 6, or 11 of this policy, we may not be required to pay claims under any of these parts. If you are filing a claim for damage to your motor vehicle, you or someone on your behalf must file a proof of loss within 91 days after the accident. Fourth, Cooperate With Us After an accident or loss, you or anyone else covered under this policy must cooperate with us in the investigation, settlement and defense of any claim or lawsuit. We must be sent copies of all legal documents in connection with the accident or loss. We may also require you and any person seeking payment under any part of this policy to submit to an examination under oath at a place designated by us, within a reasonable time after we are notified of the claim. If anyone makes a claim or seeks payment under Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Medical Payments, or Bodily Injury Caused By An Underinsured Auto (Parts 2, 3, 6 or 11), we have a right to require that person to be examined by doctors selected by us. If anyone seeks continuing payments under any of these Parts, we may also require additional examinations at reasonable intervals. We will pay for these examinations. We must also be authorized to obtain medical reports and other records pertinent to the claim. Failure to cooperate with us may result in the denial of the claim. W. C. E. Robinson Secretary William E. Roberts President Remember: Defensive Driving Can Save Your Life And Your Money A40MA (04-14) Page 21 of 21 Policy Change Page 27 of 28

176 GEICO GOVERNMENT EMPLOYEES INSURANCE COMPANY Policy Number: Motor Vehicle Policy Amendment Additional lnterest Additional Insured - Lessor Massachusetts - (M-0070-S Ed ) The coverage provided under: 1. Bodily Injury to Others (Part 1), 2. Personal Injury Protection (Part 2), 3. Bodily Injury Caused by an Uninsured Auto (Part 3) up to the Compulsory Limits, 4. Damage to Someone Else s Property (Part 4) up to the Compulsory Limit, 5. Amounts over the compulsory limit for Damage to Someone Else s Property (Part 4), 6. Optional Bodily Injury to Others (Part 5), for the motor vehicle shown below also applies to: (a) the person and to that person s agents or employees as an Additional Interest; or (b) the Lessor as an Additional Insured; shown below. If we cancel this policy, a notice of cancellation will be sent to the Additional Interest or Additional Insured shown below. Name and Address of Additional Interest or Additional Insured-Lessor: HONDA LEASE TRUST PO BOX HUNT VALLEY MD Description of Motor vehicle: 01 TOYOTA1 A209MC (04-14) JT2BK12U New Policy Page 4 of 4

177 -*- Demonstration Powered by HP Exstream 03/21/2014, Version bit -*- APPLICATION FOR MASSACHUSETTS AUTO INSURANCE GOVERNMENT EMPLOYEES INSURANCE COMPANY Named Insured (Operator 1) First Name Last Name MI Date of Birth Marital Status Gender Date 1st licensed in US or Canada International driving experience must be verified with an original abstract, with a notarized translation into Date 1st internationally licensed English and a Copy of the license Driver License/Learner s Permit State and Number How many total years have you owned and operated a street legal motorcycle? Have you completed a Motorcycle Safety Foundation Course? Do you teach the Motorcycle Safety Foundation Course? Street Address If you have had a license in another state in the last 6 years please list in the additional information section below Do you have an active motorcycle endorsement? Is your current auto license active? If "yes" what is the expiration date of MSF instructor certificate. Phone Number ( ) - City State ZIP Code Operator 2 First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Marital Status Gender Date 1st licensed in US or Canada International driving experience must be verified with an original abstract, with a notarized translation into Date 1st internationally licensed English and a Copy of the license Driver License/ Learner s Permit State and Number How many total years has Operator 2 owned and operated a street legal motorcycle? Has Operator 2 completed a Motorcycle Safety Foundation Course? If you have had a license in another state in the last 6 years please list in the additional information section below Do you have an active motorcycle endorsement? Is your current auto license active? Does Operator 2 teach the Motorcycle Safety Foundation Course? Operator 3 If "yes" what is the expiration date of MSF instructor certificate. First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Marital Status Gender Date 1st licensed in US or Canada International driving experience must be verified with an original abstract, with a notarized translation into Date 1st internationally licensed English and a Copy of the license Driver License/ Learner s Permit State and Number How many total years has Operator 3 owned and operated a street legal motorcycle? Has Operator 3 completed a Motorcycle Safety Foundation Course? Does Operator 3 teach the Motorcycle Safety Foundation Course? DP5MA (04-14) Page 1 of 5 Retention #: If you have had a license in another state in the last 6 years please list in the additional information section below Do you have an active motorcycle endorsement? Is your current auto license active? If "yes" what is the expiration date of MSF instructor certificate. New Policy Page 3 of 10

178 -*- Demonstration Powered by HP Exstream 03/21/2014, Version bit -*- Operator 4 First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Marital Status Gender Date 1st licensed in US or Canada International driving experience must be verified with an original abstract, with a notarized translation into Date 1st internationally licensed English and a Copy of the license Driver License/ Learner s Permit State and Number How many total years has Operator 4 owned and operated a street legal motorcycle? Has Operator 4 completed a Motorcycle Safety Foundation Course? Does Operator 4 teach the Motorcycle Safety Foundation Course? Do you have an active motorcycle endorsement? If you have had a license in another state in the last 6 years please list in the additional information section below Is your current auto license active? If "yes" what is the expiration date of MSF instructor certificate. Check carefully that all operators of your vehicle(s) are shown. Your failure to list any individual who customarily operates our vehicle may have very serious consequences. Please List any additional operators in the additional information section. Vehicle 1 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Vehicle 2 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Vehicle 3 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State DP5MA (04-14) Page 2 of 5 Retention #: New Policy Page 4 of 10

179 -*- Demonstration Powered by HP Exstream 03/21/2014, Version bit -*Vehicle 4 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Please include any additional vehicles in the additional information section Operator to vehicle assignment Please assign an operator number to the vehicle that they drive most often Vehicle 1 Vehicle 2 Vehicle 3 Vehicle 4 Operator Number If any vehicle is not kept at the address above please indicate the address where it is garaged in the additional information section. Accidents within the last 6 years Operator Number Loss Date At-fault? (Y/N) Violation Given? (Y/N) Vehicle Type (motorcycle, private passenger, other) Total Damage Other s Injury $ $ $ $ $ $ $ $ $ $ Convictions in the last 6 years, DUIs in the last 10 years Operator Number Date of Violation Date of Conviction Description Please include any additional accidents, convictions or DUIs in the additional information section Current Insurance Do you currently have motorcycle insurance? If you answered "no" above circle which applies: c) This is the first motorcycle I ve owned Company and expirations date? a) It has been expired 30 days or less b) It has been expired over 30 days d) I ve owned a motorcycle previously and am starting to ride again Discounts Do you have any other GEICO policies? DP5MA (04-14) Page 3 of 5 If "yes" list Retention #: New Policy Page 5 of 10

180 -*- Demonstration Powered by HP Exstream 03/21/2014, Version bit -*- Coverage Selections Coverage Limits (M denotes 1000) Compulsory Coverage (circle desired limits) 1. Bodily Injury to Others Limits 20/40 M The minimum coverage in Massachusetts for bodily injury is 20,000/40,000 compulsory. This does not provide protection: 1) if the accident occurs outside of Massachusetts 2) places in Massachusetts restricted from the public 3) for injuries to guest passengers of your auto Optional Bodily Injury is available and may better cover these exposures 2. Personal Injury Protection Limits 8M 3. Bodily Injury Caused by an Uninsured Auto Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 4. Damage to Someone Else s Property 200/400 M 250/500 M Limits (per accident) 5M 15 M 10 M 20 M 25 M 35 M 50 M 100 M Optional Coverage (circle desired limits or deductibles) 5. Bodily Injury to Others Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 5M 10 M 6. Medical Payments 250/500 M Limits Collision 200/400 M Deductible (circle desired amount) 1M 2M Waiver* Vehicle W Vehicle W Vehicle W Vehicle W *The deductible may be waived for losses less than 51% at-fault by circling the "w" for the desired vehicle 8. Limited Collision** Deductible (circle desired amount) Vehicle 1 Non Vehicle 2 Non Vehicle 3 Non Vehicle 4 Non **If your vehicle is leased or financed you must carry standard collision. In addition, the vehicle cannot carry Collision and Limited Collision on the same vehicle. DP5MA (04-14) Page 4 of 5 Retention #: New Policy Page 6 of 10

181 -*- Demonstration Powered by HP Exstream 03/21/2014, Version bit -*9. Comprehensive Deductible (circle desired amount) 10. Emergency Road Service Vehicle Vehicle 1 ACCEPT DECLINE Vehicle Vehicle 2 ACCEPT DECLINE Vehicle Vehicle 3 ACCEPT DECLINE Vehicle Vehicle 4 ACCEPT DECLINE 11. Bodily Injury Caused by an Underinsured Auto Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 200/400 M 250/500 M Additional Information Please use this section to include any information that would not fit above or that you think may be pertinent to your application for insurance. What date would you like your policy to begin? You must notify us of changes that have occurred prior to the renewal of this policy and during the policy period. It is a crime to knowingly provide false or fraudulent information for the purpose of defrauding an insurance company. If you or someone else on your behalf has knowingly given us false, deceptive, misleading or incomplete information and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts and we may cancel your policy. Such information includes the description and the place of garaging of the vehicles(s) to be insured, the names of all customary operators are required to be listed and the answers have correctly given above for all listed operators. We may also limit our payments under Part 3 and Part 4. Check to make certain that you have correctly listed all operators and the completeness of their previous driving records. IMPORTANT NOTICE ABOUT PERSONAL INJURY PROTECTION: THE COVERAGE PROVIDED DOES NOT INCLUDE PERSONAL INJURY PROTECTION FOR OWNERS, OPERATORS OR GUESTS OF MOTORCYCLES WHO SUFFER BODILY INJURY WHILE OPERATING OR RIDING AS A GUEST UPON SUCH VEHICLES. Declarations and Signature I DECLARE THAT ALL THE STATEMENTS CONTAINED IN THIS APPLICATION ARE COMPLETE AND TRUE TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ALL INFORMATION MAY BE VERIFIED WITH OTHER INSURANCE COMPANIES AND GOVERNMENT AGENCIES. Signature of applicant DP5MA (04-14) Page 5 of 5 Date Retention #: New Policy Page 7 of 10

182 GEICO INDEMNITY - MOTORCYCLE Territories & Territory Groups MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Territory Territory Group Page 1

183 GEICO INDEMNITY - MOTORCYCLE Base Rates MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Reprint 03/05/2014 Territory Group BI PD Med Pay PIP UM UIM COMP COLL LTD COLL ERS Limit/Ded 20/40 5M 500 8M 20/40 20/ Page 2

184 GEICO INDEMNITY - MOTORCYCLE Underwriting Program MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Underwriting Factor Tier Page 3

185 GEICO INDEMNITY - MOTORCYCLE Driving Experience Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists *** OOR = Minimum Years a Motorcycle has been Owned, Operated, and Registered. BI PD MP PIP *COLL COMP **UM ***OOR Auto Years Licensed Page 4

186 GEICO INDEMNITY - MOTORCYCLE Increased Limits and Deductibles MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Reprint: 03/24/2014 Full Name Amount Factor Bodily Injury 20/40 Compulsory /40 Optional / / / / / / / / / / / Property Damage 5M M M M M M M M 1.32 Medical Payments M M M M 7.50 PIP Non-Deductible 1.00 Uninsured Motorists 20/ / / / / / / / / / / / Underinsured Motorists 20/ / / / / / / / / / / / Comprehensive M 0.68 Collision M /W /W M/W 0.61 Limited Collision Non-Deductible M 0.53 Page 5

187 GEICO INDEMNITY - MOTORCYCLE Vehicle Category MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Vehicle Category Vehicle Category Name Coverage Code BI PD Med Pay **UM COMP *COLL 0 High Perf B, cc High Perf B, cc High Perf B, cc High Perf B, 951+ cc Utility ATV, cc Utility ATV, 370+ cc Sport ATV, all cc sizes Custom 2, all cc sizes Harley Tour A, all cc sizes A Harley Tour B, all cc sizes B Harley Cruisers, cc C Harley Cruisers, cc D Harley Cruisers, cc E Harley Sportsters, cc F Harley Sportsters, 951+ cc G Tour, Non-Harley, cc H Tour, Non-Harley, cc I Sport Tour, all cc sizes J Cruisers, Non-Harley, cc K Cruisers, Non-Harley, cc L Cruisers, Non-Harley, cc M Cruisers, Non-Harley, cc N Regular, cc O Regular, cc P Regular, cc Q Regular, cc R Regular, cc S Regular, 951+ cc T Custom 1, all cc sizes U Sport A, cc V Sport A, 751+ cc W Sport B, all cc sizes X High Perf A, cc Y High Perf A, cc Z High Perf A, 851+ cc Page 6

188 GEICO INDEMNITY - MOTORCYCLE Vehicle Age Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Vehicle Age Group Coverage Name COMP *COLL * Limited Collision uses same factors as Collision Page 7

189 GEICO INDEMNITY - MOTORCYCLE CC Displacement Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 *These factors are used in the calculation of the accessory coverage. CC Displacement FACTOR Over Page 8

190 GEICO INDEMNITY - MOTORCYCLE Merit Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Number of Points Driving Record Sub- Classification Bodily Injury Property Damage *Collision Comprehensive Medical Payments **Uninsured Motorist 0 Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class ***16 Sub-Class *** 0.50 will be added to the 16 Point, Sub-Class 8 factor for every point in excess of 16 Page 9

191 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 04/10/2014 RENEWALS 04/10/2014 RATE GEN 01 Reprint: 03/05/2014 Rate Order of Calculations Darkened cells do not apply. OperStep Round BI PD MED PAY PIP UM UIM Base Rate X X X X X X * Underwriting Program/Tier Factor Dime X X X X X X * Driver Experience Factor Dime X X X X X X * Increased Limit Factor Dime X X X X X * Deductible Factor Dime X * Renewal/Transfer Discount Penny X X X X X X * Dual Policy Discount Dime X X X X X X * Multi-Cycle Discount Dime X X X X X X * Defensive Driver Discount Dime * Military Safety Course Discount or Instructor Discount or Dime X X X X X X Motorcycle Safety Course Discount * 65+ Discount Dime X X X X X X * Excellent Driver Discount or Excellent Driver Plus Discount Dime X X X X X X * Accident/Violation Rating Dime X X X X X X * Vehicle Category Factor Dime X X X X X X * Paid in Full Discount Dime X X X X X X + Expense Fee Dime * Term Factor Dime X X X X X X Page 10

192 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 04/10/2014 RENEWALS 04/10/2014 RATE GEN 01 Reprint: 03/24/2014 Rate Order of Calculations Darkened cells do not apply. Oper Step Round COMP COLL LTD COLL ERS Base Rate X X X X * Underwriting Program/Tier Factor Dime X X X * Driver Experience Factor Dime X X X * Vehicle Category Factor Dime X X X * Vehicle Age Factor Dime X X X + Final Accessory Factor - X X X Base Rate X X X *Underwriting Program Factor Dime X X X *Driver Experience Factor Dime X X X *Vehicle Category Factor Dime X X X /CC Factors Penny X X X *Accessory Coverage Symbol Code Dime X X X * Deductible Factor Dime X X X * Renewal/Transfer Discount Penny X X X * Dual Policy Discount Dime X X X * Multi-Cycle Discount Dime X X X * Anti-Theft Discount Dime X * Defensive Driver Discount Dime * Military Safety Course Discount or Instructor Discount or Dime X X X Motorcycle Safety Course Discount * 65+ Discount Dime X X X X Excellent Driver Discount or * Excellent Driver Plus Discount Dime X X X * Accident/Violation Rating Dime X X X * Paid in Full Discount Dime X X X X + Expense Fee Dime * Term Factor Dime X X X X Page 11

193 Revised Exhibit 7 GEICO INDEMNITY COMPANY Voluntary Motorcycle Insurance Massachusetts Proposed Deductible Factors Collision without Waiver* Proposed Deductible Deductible Factor M 0.53 Collision with Waiver Proposed Deductible Deductible Factor M 0.61 Comprehensive Proposed Deductible Deductible Factor M 0.68 * Limited Collision uses same factors as Collision

194 GEICO INDEMNITY - MOTORCYCLE Territories & Territory Groups MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Territory Territory Group Page 1

195 GEICO INDEMNITY - MOTORCYCLE Base Rates MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Reprint 03/05/2014 Territory Group BI PD Med Pay PIP UM UIM COMP COLL LTD COLL ERS Limit/Ded 20/40 5M 500 8M 20/40 20/ Page 2

196 GEICO INDEMNITY - MOTORCYCLE Underwriting Program MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Underwriting Factor Tier Page 3

197 GEICO INDEMNITY - MOTORCYCLE Driving Experience Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists *** OOR = Minimum Years a Motorcycle has been Owned, Operated, and Registered. BI PD MP PIP *COLL COMP **UM ***OOR Auto Years Licensed Page 4

198 GEICO INDEMNITY - MOTORCYCLE Increased Limits and Deductibles MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Reprint: 03/05/2014 Full Name Amount Factor Bodily Injury 20/40 Compulsory /40 Optional / / / / / / / / / / / Property Damage 5M M M M M M M M 1.32 Medical Payments M M M M 7.50 PIP Non-Deductible 1.00 Uninsured Motorists 20/ / / / / / / / / / / / Underinsured Motorists 20/ / / / / / / / / / / / Comprehensive M 0.68 Collision M /W /W M/W 0.61 Limited Collision M 0.53 Page 5

199 GEICO INDEMNITY - MOTORCYCLE Vehicle Category MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Vehicle Category Vehicle Category Name Coverage Code BI PD Med Pay **UM COMP *COLL 0 High Perf B, cc High Perf B, cc High Perf B, cc High Perf B, 951+ cc Utility ATV, cc Utility ATV, 370+ cc Sport ATV, all cc sizes Custom 2, all cc sizes Harley Tour A, all cc sizes A Harley Tour B, all cc sizes B Harley Cruisers, cc C Harley Cruisers, cc D Harley Cruisers, cc E Harley Sportsters, cc F Harley Sportsters, 951+ cc G Tour, Non-Harley, cc H Tour, Non-Harley, cc I Sport Tour, all cc sizes J Cruisers, Non-Harley, cc K Cruisers, Non-Harley, cc L Cruisers, Non-Harley, cc M Cruisers, Non-Harley, cc N Regular, cc O Regular, cc P Regular, cc Q Regular, cc R Regular, cc S Regular, 951+ cc T Custom 1, all cc sizes U Sport A, cc V Sport A, 751+ cc W Sport B, all cc sizes X High Perf A, cc Y High Perf A, cc Z High Perf A, 851+ cc Page 6

200 GEICO INDEMNITY - MOTORCYCLE Vehicle Age Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Vehicle Age Group Coverage Name COMP *COLL * Limited Collision uses same factors as Collision Page 7

201 GEICO INDEMNITY - MOTORCYCLE CC Displacement Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 *These factors are used in the calculation of the accessory coverage. CC Displacement FACTOR Over Page 8

202 GEICO INDEMNITY - MOTORCYCLE Merit Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Number of Points Driving Record Sub- Classification Bodily Injury Property Damage *Collision Comprehensive Medical Payments **Uninsured Motorist 0 Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class ***16 Sub-Class *** 0.50 will be added to the 16 Point, Sub-Class 8 factor for every point in excess of 16 Page 9

203 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 04/10/2014 RENEWALS 04/10/2014 RATE GEN 01 Reprint: 03/05/2014 Rate Order of Calculations Darkened cells do not apply. OperStep Round BI PD MED PAY PIP UM UIM Base Rate X X X X X X * Underwriting Program/Tier Factor Dime X X X X X X * Driver Experience Factor Dime X X X X X X * Increased Limit Factor Dime X X X X X * Deductible Factor Dime X * Renewal/Transfer Discount Penny X X X X X X * Dual Policy Discount Dime X X X X X X * Multi-Cycle Discount Dime X X X X X X * Defensive Driver Discount Dime * Military Safety Course Discount or Instructor Discount or Dime X X X X X X Motorcycle Safety Course Discount * 65+ Discount Dime X X X X X X * Excellent Driver Discount or Excellent Driver Plus Discount Dime X X X X X X * Accident/Violation Rating Dime X X X X X X * Vehicle Category Factor Dime X X X X X X * Paid in Full Discount Dime X X X X X X + Expense Fee Dime * Term Factor Dime X X X X X X Page 10

204 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 04/10/2014 RENEWALS 04/10/2014 RATE GEN 01 Reprint: 03/05/2014 Rate Order of Calculations Darkened cells do not apply. Oper Step Round COMP COLL LTD COLL ERS Base Rate X X X X * Underwriting Program/Tier Factor Dime X X X X * Driver Experience Factor Dime X X X * Vehicle Category Factor Dime X X X * Vehicle Age Factor Dime X X X + Final Accessory Factor - X X X Base Rate X X X *Underwriting Program Factor Dime X X X *Driver Experience Factor Dime X X X *Vehicle Category Factor Dime X X X /CC Factors Penny X X X *Accessory Coverage Symbol Code Dime X X X * Deductible Factor Dime X X X * Renewal/Transfer Discount Penny X X X * Dual Policy Discount Dime X X X * Multi-Cycle Discount Dime X X X * Anti-Theft Discount Dime X * Defensive Driver Discount Dime * Military Safety Course Discount or Instructor Discount or Dime X X X Motorcycle Safety Course Discount * 65+ Discount Dime X X X X Excellent Driver Discount or * Excellent Driver Plus Discount Dime X X X * Accident/Violation Rating Dime X X X * Paid in Full Discount Dime X X X X + Expense Fee Dime * Term Factor Dime X X X X Page 11

205 -*- Demonstration Powered by HP Exstream 03/05/2014, Version bit -*APPLICATION FOR MASSACHUSETTS AUTO INSURANCE GOVERNMENT EMPLOYEES INSURANCE COMPANY Named Insured (Operator 1) First Name Marital Status Last Name Gender MI Date 1st licensed in US or Canada Date of Birth International driving experience must be verified with an original abstract, with a notarized translation into English and a Copy of the license Date 1st internationally licensed Driver License/Learner s Permit State and Number If you have had a license in another state in the last 6 years please list in the additional information section below How many total years have you owned and operated a street legal motorcycle? Do you have an active motorcycle endorsement? Have you completed a Motorcycle Safety Foundation Course? Is your current auto license active? Do you teach the Motorcycle Safety Foundation Course? If "yes" what is the expiration date of MSF instructor certificate. Street Address Phone Number ( City ) - State ZIP Code Operator 2 First Name Last Name MI Relationship to Named Insured Martial Status Gender Date of Birth Co-insured (circle one) Date 1st licensed in US or Canada Y/N International driving experience must be verified with an original abstract, with a notarized translation into English and a Copy of the license Date 1st internationally licensed Driver License/ Learner s Permit State and Number If you have had a license in another state in the last 6 years please list in the additional information section below How many total years has Operator 2 owned and operated a street legal motorcycle? Do you have an active motorcycle endorsement? Has Operator 2 completed a Motorcycle Safety Foundation Course? Is your current auto license active? Does Operator 2 teach the Motorcycle Safety Foundation Course? If "yes" what is the expiration date of MSF instructor certificate. Operator 3 First Name Last Name MI Relationship to Named Insured Martial Status Gender Date of Birth Co-insured (circle one) Date 1st licensed in US or Canada Date 1st internationally licensed Driver License/ Learner s Permit State and Number Y/N International driving experience must be verified with an original abstract, with a notarized translation into English a Copy of theoflicense Englishand and a Copy the license. If you have had a license in another state in the last 6 years please list in the additional information section below How many total years has Operator 3 owned and operated a street legal motorcycle? Do you have an active motorcycle endorsement? Has Operator 3 completed a Motorcycle Safety Foundation Course? Is your current auto license active? Does Operator 3 teach the Motorcycle Safety Foundation Course? If "yes" what is the expiration date of MSF instructor certificate. DP5MA (04-14) Page 1 of 5 Retention #: New Policy Page 3 of 10

206 -*- Demonstration Powered by HP Exstream 03/05/2014, Version bit -*- Operator 4 First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Martial Status Gender Date 1st licensed in US or Canada International driving experience must be verified with an original abstract, with a notarized translation into Date 1st internationally licensed English and a Copy of the license Driver License/ Learner s Permit State and Number How many total years has Operator 4 owned and operated a street legal motorcycle? Has Operator 4 completed a Motorcycle Safety Foundation Course? Does Operator 4 teach the Motorcycle Safety Foundation Course? Do you have an active motorcycle endorsement? If you have had a license in another state in the last 6 years please list in the additional information section below Is your current auto license active? If "yes" what is the expiration date of MSF instructor certificate. Check carefully that all operators of your vehicle(s) are shown. Your failure to list any individual who customarily operates our vehicle may have very serious consequences. Please List any additional operators in the additional information section. Vehicle 1 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Vehicle 2 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Vehicle 3 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State DP5MA (04-14) Page 2 of 5 Retention #: New Policy Page 4 of 10

207 -*- Demonstration Powered by HP Exstream 03/05/2014, Version bit -*Vehicle 4 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Please include any additional vehicles in the additional information section Operator to vehicle assignment Please assign an operator number to the vehicle that they drive most often Vehicle 1 Vehicle 2 Vehicle 3 Vehicle 4 Operator Number If any vehicle is not kept at the address above please indicate the address where it is garaged in the additional information section. Accidents within the last 6 years Operator Number Loss Date At-fault? (Y/N) Violation Given? (Y/N) Vehicle Type (motorcycle, private passenger, other) Total Damage Other s Injury $ $ $ $ $ $ $ $ $ $ Convictions in the last 6 years, DUIs in the last 10 years Operator Number Date of Violation Date of Conviction Description Please include any additional accidents, convictions or DUIs in the additional information section Current Insurance Do you currently have motorcycle insurance? If you answered "no" above circle which applies: c) This is the first motorcycle I ve owned Company and expirations date? a) It has been expired 30 days or less b) It has been expired over 30 days d) I ve owned a motorcycle previously and am starting to ride again Discounts Do you have any other GEICO policies? DP5MA (04-14) Page 3 of 5 If "yes" list Retention #: New Policy Page 5 of 10

208 -*- Demonstration Powered by HP Exstream 03/05/2014, Version bit -*- Coverage Selections Coverage Limits (M denotes 1000) Compulsory Coverage (circle desired limits) 1. Bodily Injury to Others Limits 20/40 M The minimum coverage in Massachusetts for bodily injury is 20,000/40,000 compulsory. This does not provide protection: 1) if the accident occurs outside of Massachusetts 2) places in Massachusetts restricted from the public 3) for injuries to guest passengers of your auto Optional Bodily Injury is available and may better cover these exposures 2. Personal Injury Protection Limits 8M 3. Bodily Injury Caused by an Uninsured Auto Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 4. Damage to Someone Else s Property 200/400 M 250/500 M Limits (per accident) 5M 15 M 10 M 20 M 25 M 35 M 50 M 100 M Optional Coverage (circle desired limits or deductibles) 5. Bodily Injury to Others Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 5M 10 M 6. Medical Payments 250/500 M Limits Collision 200/400 M Deductible (circle desired amount) 1M 2M Waiver* Vehicle W Vehicle W Vehicle W Vehicle W *The deductible may be waived for losses less than 51% at-fault by circling the "w" for the desired vehicle 8. Limited Collision** Deductible (circle desired amount) Vehicle Vehicle Vehicle Vehicle **If your vehicle is leased or financed you must carry standard collision. In addition, the vehicle cannot carry Collision and Limited Collision on the same vehicle. DP5MA (04-14) Page 4 of 5 Retention #: New Policy Page 6 of 10

209 -*- Demonstration Powered by HP Exstream 03/05/2014, Version bit -*9. Comprehensive Deductible (circle desired amount) 10. Emergency Road Service Vehicle Vehicle 1 ACCEPT DECLINE Vehicle Vehicle 2 ACCEPT DECLINE Vehicle Vehicle 3 ACCEPT DECLINE Vehicle Vehicle 4 ACCEPT DECLINE 11. Bodily Injury Caused by an Underinsured Auto Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 200/400 M 250/500 M Additional Information Please use this section to include any information that would not fit above or that you think may be pertinent to your application for insurance. What date would you like your policy to begin? You must notify us of changes that have occurred prior to the renewal of this policy and during the policy period. It is a crime to knowingly provide false or fraudulent information for the purpose of defrauding an insurance company. If you or someone else on your behalf has knowingly given us false, deceptive, misleading or incomplete information and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts and we may cancel your policy. Such information includes the description and the place of garaging of the vehicles(s) to be insured, the names of all customary operators are required to be listed and the answers have correctly given above for all listed operators. We may also limit our payments under Part 3 and Part 4. Check to make certain that you have correctly listed all operators and the completeness of their previous driving records. IMPORTANT NOTICE ABOUT PERSONAL INJURY PROTECTION: THE COVERAGE PROVIDED DOES NOT INCLUDE PERSONAL INJURY PROTECTION FOR OWNERS, OPERATORS OR GUESTS OF MOTORCYCLES WHO SUFFER BODILY INJURY WHILE OPERATING OR RIDING AS A GUEST UPON SUCH VEHICLES. Declarations and Signature I DECLARE THAT ALL THE STATEMENTS CONTAINED IN THIS APPLICATION ARE COMPLETE AND TRUE TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ALL INFORMATION MAY BE VERIFIED WITH OTHER INSURANCE COMPANIES AND GOVERNMENT AGENCIES. Signature of applicant DP5MA (04-14) Page 5 of 5 Date Retention #: New Policy Page 7 of 10

210 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 1. DEFINITION... 3 RULE 2. COVERAGE... 3 RULE 3. DETERMINATION OF RATING TERRITORY - ALL COVERAGE... 3 RULE 4. TERM RULE - POLICY PERIOD... 3 RULE 5. RATES, MINIMUM PREMIUM AND ROUNDING OF PREMIUM... 4 RULE 6. PRIVATE PASSENGER MOTORCYCLE INSTALLMENT PAYMENTS... 4 RULE 7. CANCELLATION AND CHANGES... 5 A. CANCELLATION... 5 B. CHANGES... 5 RULE 8. SERVICE FEES... 5 A. RETURNED CHECKS... 5 B. CERTIFICATE OF FINANCIAL RESPONSIBILITY FILING FEE... 5 RULE 9. RESERVED FOR FUTURE USE... 6 RULE 10. DRIVER EXPERIENCE FACTOR... 6 RULE 11. PRIVATE PASSENGER MOTORCYCLE - LIABILITY AND PHYSICAL DAMAGE CLASSIFICATION... 6 RULE 12. AGE GROUPS FOR COMPREHENSIVE AND COLLISION COVERAGE... 6 RULE 13. RISK TIER... 7 RULE 14. ACCIDENT AND CONVICTION RATING PLAN... 7 A. EXPERIENCE PERIOD... 7 B. DRIVING RECORD POINTS... 8 C. OTHER POINT CHARGES D. SUB-CLASSIFICATIONS RULE 15. VEHICLE CATEGORY RULE 16. ACCESSORY COVERAGE RULE 17. RESERVED FOR FUTURE USE RULE 18. STORAGE RULE 19. TWO OR MORE PRIVATE PASSENGER MOTORCYCLE CREDIT RULE 20. RENEWAL DISCOUNT RULE 21. TRANSFER DISCOUNT RULE DISCOUNT RULE 23. MOTORCYCLE SAFETY COURSE CREDITS A. MOTORCYCLE SAFETY FOUNDATION RIDER EDUCATION PROGRAM, MOTORCYCLE RIDER COURSE OR EXPERIENCED RIDER S COURSE INCLUDING THE MASSACHUSETTS RIDER EDUCATION PROGRAM B. INSTRUCTOR S DISCOUNT C. MILITARY SAFETY COURSE Effective 04/10/2014 Reprinted 03/05/2014

211 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 24. DUAL POLICY DISCOUNT RULE 25. ANTI-THEFT DISCOUNT A. ALARM ONLY OR ACTIVE DISABLING DEVICES B. NON-PASSIVE DISABLING DEVICE C. PASSIVE DISABLING DEVICES D. VEHICLE RECOVERY SYSTEM DEVICES E. VEHICLE RECOVERY SYSTEM & PASSIVE DISABLING DEVICE RULE 26. PAID IN FULL DISCOUNT RULE 27. EXCELLENT DRIVER DISCOUNT RULE 28. EXCELLENT DRIVER PLUS DISCOUNT Effective 04/10/2014

212 RULE 1. DEFINITION GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS In accordance with this manual, the term Motorcycle or Private Passenger Motorcycle means any two wheeled motorcycle, motorbike, moped, motorscooter, a three-wheeled motorcycle, or other land motor vehicle that has: A. At least two-wheels, but not more than: 1. Three-wheels with respect to a vehicle designed for operation principally upon public roads that meets our underwriting criteria. The motorcycle must be manufactured or reconstructed from a two wheeled motorcycle and powered by an engine originally designed for use only with a motorcycle. 2. Four-wheels with respect to an all-terrain vehicle designed for operation principally off public roads; B. Completely open-air driver s seating; and C. A motorcycle hand-grip steering device. NOTE: We do not write business, commercial or emergency use or a vehicle used as a public or livery conveyance or owned by a corporation. RULE 2. COVERAGE Private passenger motorcycles rated in accordance with this manual shall be provided the Compulsory Insurance Coverage of Bodily Injury To Others, Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto and Damage To Someone Else s Property. In addition, we will offer the Optional Insurance Coverage of Optional Bodily Injury To Others, Medical Payments, Collision, Limited Collision, Comprehensive, Emergency Road Service and Bodily Injury Caused By An Underinsured Auto. Refer to the applicable policy contract for provisions applicable to Territorial Extent of Coverage, Coverage Definitions and Coverage Exclusions. RULE 3. DETERMINATION OF RATING TERRITORY - ALL COVERAGE The premium for private passenger motorcycle coverage is the premium for the territory in which the private passenger motorcycle is principally garaged. (Refer to Rate Section for Territory Definitions.) RULE 4. TERM RULE - POLICY PERIOD A. No policy may be written for a period longer than 12 months. B. The premium to be charged for policy terms not exceeding 12 months shall be as follows: Month Policies - Charge the annual premium or minimum premium, whichever applies. 2. At the option of the Company, policies may be written for less than an annual period at pro rata of premiums in this manual. 3 Effective 04/10/2014 Reprinted 03/05/2014

213 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 5. RATES, MINIMUM PREMIUM AND ROUNDING OF PREMIUM A. Rates - All premiums in this manual are annual premiums. B. Minimum Premium - The minimum premium is $99.00 annually. C. Rounding of Premiums - All Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Personal Injury Protection, Medical Payments, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, Limited Collision, and Emergency Road Service premiums are to be rounded to the nearest dime at each phase of calculation. For this purpose, an amount of five cents ($.05) or more shall be considered a dime. RULE 6. PRIVATE PASSENGER MOTORCYCLE INSTALLMENT PAYMENTS The following rules govern the payment of motorcycle premiums for policies written for periods of not more than one year. The total premium for a motorcycle policy providing any coverage is due and payable at the beginning of the policy period, unless the policy is issued on an installment payment basis. A. AVAILABLE PAYMENT PLANS 1. Payment in Full Due in accordance with the initial billing notice. (No Service Charge) 2. Four Payment Plan 1st Payment 25% due with application or on effective date of renewal. 2nd through 4th Payment 25% due on the 2nd, 4th and 6th month after policy effective date. 3. Six Payment Plan 1st Payment 25% due with application or on effective date of renewal. 2nd through 6th Payment - 15% due on the 2nd, 4th, 6th, 8th and 10th month after policy effective date. 4. Nine Payment Plan 1st Payment 17.6% due with application or on effective date of renewal. 2nd through 9th Payment % due on the 1st, 2nd, 3rd, 4th, 5th, 6th, 7th and 8th month after policy effective date. 5. Eleven Payment Plan 1st Payment 12.5% due with application. 2nd through 11th Payment 8.75% due on the 1st, 2nd, 3rd, 4th, 5th, 6th, 7th, 8th, 9th and 10th month after policy effective date. 6. Twelve Payment Plan with GEICO Auto Pay EFT or Recurring Card enrollment required to start and maintain this plan. 1st Payment 8.33% due with application or on effective date of renewal. 2nd through 12th Payment 8.33% due every month thereafter. 4 Effective 04/10/2014

214 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 6. PRIVATE PASSENGER MOTORCYCLE INSTALLMENT PAYMENTS (cont.) Additional Payment Plan for Renewals 7. Twelve Payment Plan without GEICO Auto Pay 1st Payment 8.33% due one month prior to effective date of renewal. 2nd Payment 8.33% due on effective date of renewal. 3rd through 12th Payment 8.33% due every month thereafter. B. An additional charge of $5.00 shall be made for each installment including the first payment, and the additional charge shall be included in each installment payment. The additional charge is for the expenses incurred in handling the separate payments. For Electronic Fund Transfer payments made under a recurring payment plan, a $1.00 charge applies in lieu of $5.00. For payments made under a recurring credit card plan offered pursuant to a sponsorship agreement between the issuing bank and the Company or its affiliates, no installment fee charge shall apply. C. The premium paid to Company exclusive of the total payment charge shall never be less than the pro rata charge from the effective date of the policy to the due date of the next payment when additional payments are to be paid, or to expiration of the policy when no further payments are due. RULE 7. CANCELLATION AND CHANGES A. CANCELLATION All cancellations at the request of the insured or cancellations by the company shall be processed on a pro rata basis. B. CHANGES 1. All changes requiring adjustments of premium shall be computed on a pro rata basis of the rate in effect when the coverage was issued. 2. If as a result of any endorsement, amendment, cancellation or other policy change, an additional or return premium in the amount less than $2.01 is developed, no return need be made unless requested by the insured. If requested, the actual amount shall be returned. RULE 8. SERVICE FEES A. RETURNED CHECKS A $20.00 service fee may be charged for processing a check/draft dishonored for any of the following reasons: 1. Insufficient Funds; 2. Account Closed; or 3. Payment Stopped (unless by Company request). B. CERTIFICATE OF FINANCIAL RESPONSIBILITY FILING FEE A $25.00 service fee shall be charged for processing Certificate of Financial Responsibility filings. 5 Effective 04/10/2014 Reprinted 03/05/2014

215 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 9. RESERVED FOR FUTURE USE RULE 10. DRIVER EXPERIENCE FACTOR A Motorcycle shall be classified and rated as follows: A. Number of Years of US auto license: Other foreign experience will be accepted if the company is provided with a certified English language translation of the vehicle operator report from the applicable country. B. Number of years of owning, operating, and having registered a motorcycle NOTE: See the rate pages for the factors associated with the experience factor RULE 11. PRIVATE PASSENGER MOTORCYCLE - LIABILITY AND PHYSICAL DAMAGE CLASSIFICATION A. DEFINITIONS 1. "Business Use" - means that the use of the private passenger motorcycle is required by or customarily involved in the duties of the applicant or any other person customarily operating the private passenger motorcycle in his occupation, profession or business, other than in going to or from his principal place of occupation, business or profession. 2. "Operator" - means anyone who uses the private passenger motorcycle except: (a) An individual in active military service with the armed forces of the United States of America shall not be considered an operator unless such individual customarily uses the private passenger motorcycle. (b) Individuals absent from the household while attending school shall be considered an operator if they customarily use the private passenger motorcycle. RULE 12. AGE GROUPS FOR COMPREHENSIVE AND COLLISION COVERAGE Age Group Definition Code 1 All private passenger motorcycles of the current model year 2 All private passenger motorcycles of the 1 st preceding model year 3 All private passenger motorcycles of the 2 nd preceding model year 4 All private passenger motorcycles of the 3 rd preceding model year 5 All private passenger motorcycles of the 4 th preceding model year 6 All private passenger motorcycles of the 5 th preceding model year 7 All private passenger motorcycles of the 6 th preceding model year 8 All private passenger motorcycles of the 7 th preceding model year 9 All other private passenger motorcycles NOTE: For the purpose of this definition, the current model year shall change effective October 1, of each calendar year regardless of actual introductory dates of the several makes and models. Rebuilt or Structurally Altered private passenger motorcycles - the age of the frame determines the age of the cycle. 6 Effective 04/10/2014 Reprinted 03/05/2014

216 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 13. RISK TIER A risk will be assigned to a Risk Tier. The Company uses the following list of characteristics for Risk Tier placement: Number of active operators: Number of active operators on a policy Minimum Years of OOR of active operators: Among the active operators what is the minimum number of years a street legal motorcycle has been Owned, Operated and Registered. Total number of convictions. Total number of Negligent Accidents: An accident is considered to be negligent if it is indicated as negligent by the applicant or the information reported by the third-party reporting agency indicates that it is negligent. Accidents discovered on the motor vehicle report that occur on the same day as a moving violation also discovered on the report are classified as negligent. Types of negligent accidents include, but are not limited to, accidents which are a result of loss of control, a moving violation, failure to pay attention, and recklessness or improper parking of a vehicle Total number of Non-negligent Accidents: Accidents not classified as negligent are classified as non-negligent. Current motorcycle insurance status: An applicant is considered currently insured if their current policy does not expire prior to the desired effective date of the GEICO policy. An applicant with a status of deployed will be given the same consideration as an applicant who is currently insured. GEICO Auto insurance status: An applicant is considered currently insured with GEICO Auto insurance if their GEICO automobile policy does not expire prior to the desired effective date of their GEICO Motorcycle policy. An applicant with a status of deployed will be given the same consideration as an applicant who is currently insured. The number and type of motorcycles and/or ATV s. Named Insured Years Licensed: The number of years the applicant has held an automobile license in the US or Canada. Other foreign experience will be accepted if the company is provided with a certified English language translation of the vehicle operator report from the applicable country. Internet origination: Any GEICO Motorcycle policy where the initial quote originated via the internet. RULE 14. ACCIDENT AND CONVICTION RATING PLAN The Rating Plan applies to Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. A. EXPERIENCE PERIOD The experience period shall begin seventy-two (72) months prior to the effective date of the policy in order to identify the Excellent Driver and Excellent Driver Plus discount. The experience period for charging for a violation or accident shall begin thirty-six (36) months prior to the effective date of the policy. 7 Effective 04/10/2014 Reprinted 03/05/2014

217 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 14. ACCIDENT AND CONVICTION RATING PLAN (Cont d) B. DRIVING RECORD POINTS 1. Motor Vehicle Convictions Points shall be assigned in accordance with the following for motor vehicle convictions for which the applicant or any operator of the vehicle has been convicted, paid a fine or forfeited bail bond during the experience period. a. Four points shall be assigned for each occurrence of: (1) Eluding Police (2) Felony Involving Auto (3) Highway Racing (4) Hit And Run (5) Homicide or Manslaughter (6) Leaving The Scene Of An Accident (7) Disobey A/D (8) Restricted License (9) Road Rage (10) Turn Off Lights To Avoid ID (11) DUI/DWI and/or Drugs (12) Alcohol or Drug Related (13) Reduced DWI/DUI (14) Refuse Sobriety Test (15) Reckless, Aggressive, Negligent, Careless, or Inattentive Driving (16) Maintain Proper Control (17) Multiple Convictions (18) Physical Control b. Zero points shall be assigned for the first occurrence and two points for all subsequent occurrences of: (1) Speeding 1-20 MPH over the limit (2) Eye Protection Viol. (3) Fail To Dim Lights (4) Fail To Signal (5) Helmet Violation (6) HOV/Parkway/Expressway Restrictions (7) Not Licensed For Vehicle Class (8) Operate Car Without Valid License (9) Operate Vehicle Within Fire Area (10) Permitting Person to Ride Where Unlawful (11) Speed Below Minimum c. Two points shall be assigned for each occurrence of all other convictions legally chargeable. 8 Effective 04/10/2014 Reprinted 03/05/2014

218 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 14. ACCIDENT AND CONVICTION RATING PLAN (Cont d) NOTES: a. Under Section b above: (1) To impose a charge, the accumulation of two violations must be by the same individual operator. (2) Any conviction as a result of an accident is not chargeable under both the accident and conviction portions of this rule. The charge shall be made only in the category resulting in the higher penalty point assignment b. Points will be assigned for both automobile and private passenger motorcycle convictions EXCEPTIONS: No points will be assigned under Section b for a conviction of driving without a seatbelt. 2. Accidents a. Four points shall be assigned for each at fault accident involving the applicant, or any operator of the insured motor vehicle, while operating any private passenger type motor vehicle resulting in bodily injury or death, or damage to property (including his own) in excess of $500. b. Except that no points shall be assigned under the applicant s policy for accidents incurred by an operator demonstrated to be a named insured or a principal operator of a motor vehicle insured under a separate policy in the companies, unless the accident is a motorcycle accident and the operator is a named insured or a principal operator of a policy insuring automobiles only. NOTE: Except as provided above, points will be assigned for both automobile and motorcycle accidents. EXCEPTIONS: No points shall be assigned for a substantially at-fault accident if the insured demonstrates that the accident occurred under the following circumstances: i. Motor vehicle lawfully parked; or ii. Applicant, other operator or owner is reimbursed by, or on behalf of, a person responsible for the accident or has judgment against such person; or iii. Motor vehicle of an applicant or other operator struck in rear by another vehicle and the applicant or other operator was not convicted of a traffic violation in connection with the accident; or iv. Operator of the other motor vehicle involved in such accident was convicted of a traffic violation and the applicant or other operator was not convicted of a traffic violation in connection therewith; or v. Motor vehicle operated by applicant or other operator was struck by a hit-and-run driver, if the applicant or other operator reports the accident to proper authority within 24 hours; or vi. Accident involving damage by contact with animals or fowl; or vii. Applicant or other operator residing in the same household, or owner, who receives payment under Personal Injury Protection Insurance where such individual is not at fault; or viii. Physical damage losses other than from collision ( i.e. flying gravel, missiles or falling objects); or 9 Effective 04/10/2014 Reprinted 03/05/2014

219 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 14. ACCIDENT AND CONVICTION RATING PLAN (Cont d) ix. Applicant, owner or other operator was reimbursed for damage to the motor vehicle under Limited Collision Coverage or under the Broadened Collision Limited Waiver of Collision Deductible coverage; or. x. Applicant, owner or other operator was reimbursed for damage to the motor vehicle under Collision Coverage where such individual was not more than 50% at fault. C. OTHER POINT CHARGES One point shall be assigned for any operator for whom a 36-month driving record cannot be verified by a government bureau of motor vehicles. This charge shall remain in effect for as long as the driving record remains unverifiable, but shall be removed at the first renewal after the driving record becomes verifiable, not to exceed one year. This rule does not apply to U.S. Military personnel and their spouses who previously held a valid U.S driver s license that has expired due to their military service. D. SUB-CLASSIFICATIONS The number of points accumulated as a result of driving record and operator rating shall govern the subclassification to be assigned. Refer to Rate Section for rating factors. RULE 15. VEHICLE CATEGORY All private passenger motorcycles are assigned a specific vehicle category. Refer to the Rate Section for a list of the applicable categories and the related vehicle factor. For newly announced models, assign the category shown for the latest similar model. These category classification factors apply to Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. 10 Effective 04/10/2014 Reprinted 03/05/2014

220 RULE 16. ACCESSORY COVERAGE GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS If Comprehensive or Collision coverage is written on the covered motorcycle, $2,000 of coverage for accessories will be included. Accessories are defined as custom, optional or added equipment parts and accessories permanently added to or replacing standard factory parts or equipment. Optional increased limits of accessory coverage are available as follows: FROM TO SYMBOL CODE # of Units $ 0 2,000 A 0 2,001 3,500 B 13 3,501 5,000 C 28 5,001 6,500 D 43 6,501 8,000 E 58 8,001 9,500 F 73 9,501 11,000 G 88 11,001 15,000 H ,001 20,000 I 118 RULE 17. RESERVED FOR FUTURE USE RULE 18. STORAGE The storage program may be offered by policy endorsement upon notification to the company that the motor vehicle will not be operated for regular use and will be stored due to the winter season or military or civilian deployment. A. A 70% credit will apply to the premiums, except for Comprehensive, after removal of the endorsement subject to the following provisions: 1. The motor vehicle must be placed in storage for a period of 30 days or more; 2. The motor vehicle must not be operated for regular use, except for maintenance and testing purposes. B. The premium credit is proportionate to the period of time the motor vehicle was under the storage program. The policy will not be discounted beyond the applicable minimum premium amount. C. Removal of the endorsement will be effective immediately upon receipt of such request by the named insured. D. Endorsement shall not extend the policy beyond its original expiration date. E. If the policy expires during the period of suspension, the named insured shall be entitled any applicable premium credit in accordance with the foregoing provisions of this rule. 11 Effective 04/10/2014

221 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 19. TWO OR MORE PRIVATE PASSENGER MOTORCYCLE CREDIT If two or more private passenger motorcycles are insured on the same policy a 10% credit will be applied to like coverage. This credit applies to Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE 20. RENEWAL DISCOUNT A discount of 10% will be applied at the first anniversary renewal, and will remain in effect, provided there is no lapse in coverage. This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE 21. TRANSFER DISCOUNT A 10% discount will be applied on new policies, provided that the applicant has current insurance. This discount will apply until the first renewal, at which time the applicant may be eligible for a Renewal Discount. The applicant may be required to present proof of current motorcycle insurance at the time of application. This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE DISCOUNT The 65+ discount applies to all riders at least 65 years old. This discount applies if the principal operator is at least 65 years old and has been auto licensed for at least 6 years. The vehicle cannot be used in the occupation, profession or business of the insured (cannot be used for business purposes). The experienced 65+ discount will be applied to each vehicle principally operated by a person who qualifies for the discount. A 25% discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, Limited Collision coverage, and Emergency Road Service. 12 Effective 04/10/2014

222 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 23. MOTORCYCLE SAFETY COURSE CREDITS The rates for Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage otherwise applicable for a motorcycle, motorscooter, motorbike or other similar motor vehicles owned by an individual or husband and wife resident in the same household shall be subject to the following credits. Satisfactory evidence (certificate or photostat thereof) may be required by the company that the principal operator of such motor vehicle has successfully completed an appropriate Motorcycle safety course shown below. If the policy insures two or more cycles, the credit shall apply to each vehicle principally operated by a person who has successfully completed the motorcycle safety course. When the principal operator qualifies for more than one of the following credits, only the highest applicable credit for each principal operator of an insured vehicle shall apply. A. MOTORCYCLE SAFETY FOUNDATION RIDER EDUCATION PROGRAM, MOTORCYCLE RIDER COURSE OR EXPERIENCED RIDER S COURSE INCLUDING THE MASSACHUSETTS RIDER EDUCATION PROGRAM A 10% credit shall apply if the principal operator has successfully completed a Motorcycle Rider Course meeting the standards established by the Motorcycle Safety Foundation Rider Education Program. B. INSTRUCTOR S DISCOUNT A 20% credit shall apply if the principal operator is a certified instructor of a motorcycle safety course meeting the standards established by the Motorcycle Safety Foundation. C. MILITARY SAFETY COURSE A 10% credit shall apply if the principal operator has successfully completed a motorcycle safety course (other than the Motorcycle Safety Foundation courses) offered at a military installation and approved by the Commanding Officer. RULE 24. DUAL POLICY DISCOUNT A 5% discount will be applied to policies where the insured has both an automobile policy and a motorcycle policy written within the GEICO group of companies. NOTE: AIP and Commercial risks are not eligible policies for determination of the dual policy discount. This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. 13 Effective 04/10/2014

223 RULE 25. ANTI-THEFT DISCOUNT GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS This discount will apply to Comprehensive Coverage on all motorcycles equipped with an Anti-Theft device meeting the criteria of either paragraphs A, B, C, D or E below. A. ALARM ONLY OR ACTIVE DISABLING DEVICES A 5% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with either of the following: (1) audible alarm only devices; or (2) active disabling devices which disable the motorcycle 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. B. NON-PASSIVE DISABLING DEVICE A 5% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with a device similar to one of the following examples: (1) wheel locks (2) wheel chains (3) locking motorcycle cover C. PASSIVE DISABLING DEVICES A 10% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with a passive disabling device which disables the motorcycle 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. D. VEHICLE RECOVERY SYSTEM DEVICES A 15% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with an approved electronic unit installed in the motorcycle that is activated after the motorcycle is stolen. When activated, the device provides information to law enforcement officials or to another public or private entity regarding the motorcycle's location. The vehicle recovery system provides for the routine delivery of the information to the appropriate law enforcement entity to assist in the recovery of the motorcycle. E. VEHICLE RECOVERY SYSTEM & PASSIVE DISABLING DEVICE If a motorcycle is equipped with an approved Vehicle Recovery System Device and a Passive Disabling Device a 20% discount on Comprehensive Coverage shall be afforded. 14 Effective 04/10/2014

224 RULE 26. PAID IN FULL DISCOUNT GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS A 10% discount factor will be applied to the policy when all of the following conditions are met: A. Policy balance is paid in full on or prior to the effective date of the policy. B. Payment is not returned or cancelled. At each renewal, discount eligibility will be re-evaluated using the above conditions. The discount factor will remain for the duration of the policy term regardless of any endorsements processed after initial eligibility was met. If a policy meets the eligibility requirements above, no installment charges will be assessed on the policy. RULE 27. EXCELLENT DRIVER DISCOUNT A 2% discount will be applied if the principal operator of the vehicle has at least 5 years auto driving experience and no chargeable incidents within the 5-year experience period OR the principal operator of the vehicle has one chargeable incident within the 6-year experience period and a chargeable incident which is considered a "minor violation". Chargeable incidents are outlined in Rule 14. This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE 28. EXCELLENT DRIVER PLUS DISCOUNT A 4% discount will be applied if the principal operator of the vehicle has at least 6 years auto driving experience and no chargeable incident within the 6-year experience period. Chargeable incidents are outlined in Rule 14. This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. 15 Effective 04/10/2014 Reprinted 03/05/2014

225 GEICO Automobile Policy Endorsement Motorcycle Custom Parts or Equipment Policy Number: Endorsement Effective Date: (The information above is required only when this endorsement is prepared after the policy is issued.) We agree that: (a) in consideration of the payment of additional premium; and (b) subject to the deductibles and limits of liability shown in the Declarations for the coverages insured this policy is extended to cover custom parts or equipment that are permanently added to or replace standard factory provided parts or equipment of your auto in excess of $2000. Any loss paid shall be based on the actual cash value at the time of the loss. We will not pay an amount greater than the limit shown in the Declarations. Description of Motorcycle: Year Make Model VIN Customization Range All other terms and provisions of the policy remain unchanged. This endorsement forms a part of the above captioned policy issued by the Company. It is effective as of 12:01 A.M. Standard Time on the effective date of the endorsement. PS18E (04-14)

226 GEICO Policy Number: Automobile Policy Amendment Additional lnterest - Additional Insured - Lessor Massachusetts - (M-0070-S Ed ) The coverage provided under: 1. Bodily Injury to Others (Part 1), 2. Personal Injury Protection (Part 2), 3. Bodily Injury Caused by an Uninsured Auto (Part 3) up to the Compulsory Limits, 4. Damage to Someone Else s Property (Part 4) up to the Compulsory Limit, 5. Amounts over the compulsory limit for Damage to Someone Else s Property (Part 4), 6. Optional Bodily Injury to Others (Part 5), for the auto shown below also applies to: (a) the person and to that person s agents or employees as an Additional Interest; or (b) the Lessor as an Additional Insured; shown below. If we cancel this policy, a notice of cancellation will be sent to the Additional Interest or Additional Insured shown below. Name and Address of Additional Interest or Additional Insured-Lessor: Description of Auto: * * A-209 (05-09)

227

228 Massachusetts Automobile Insurance Policy Please read your policy. As you read the policy, check the Coverage Selections Page to make sure it shows exactly what you intended to buy. If there is any question, call us right away. Includes Copyrighted Material from Automobile Insurers Bureau, 2008 * * A-30-MA (04-12)

229 CONTENTS INTRODUCTION... 3 DEFINITIONS... 3 OUR AGREEMENT... 4 COMPULSORY INSURANCE Part 1. Bodily Injury To Others... 4 Part 2. Personal Injury Protection... 5 Part 3. Bodily Injury Caused By An Uninsured Auto... 6 Part 4. Damage To Someone Else s Property... 7 Page OPTIONAL INSURANCE Part 5. Optional Bodily Injury To Others... 9 Part 6. Medical Payments Part 7. Collision Part 8. Limited Collision Part 9. Comprehensive Part 10.Rental Reimbursement - Substitute Transportation Part 11.Emergency Road Service Part 12.Bodily Injury Caused By An Underinsured Auto GENERAL PROVISIONS AND EXCLUSIONS CANCELLATION AND RENEWAL WHEN THERE IS AN ACCIDENT OR LOSS A-30-MA (04-12)

230 INTRODUCTION This insurance policy is a legal contract between the policy owner ( you) and the company (we or us). It insures you and your auto for the period shown on the Coverage Selections Page. As long as you pay your premium, we agree to provide you or others the benefits to which you or they are entitled. The exact terms and conditions are explained in the following pages. There are two basic categories of insurance described in this policy, Compulsory Insurance and Optional Insurance. COMPULSORY INSURANCE There are four Parts to Compulsory Insurance. They are all required by law. Every auto registered in Massachusetts must have them. OPTIONAL INSURANCE There are eight Parts to Optional Insurance. Some of them extend the coverage or the amounts of protection provided by Compulsory Insurance. Some of them provide protection not found in Compulsory Insurance. You do not have to buy any of these eight Parts if you do not want to. Auto insurance claims arise in hundreds of different ways. Autos are sometimes stolen or damaged. Accidents may injure people in your auto, people in other autos or pedestrians. You may be responsible for an accident or someone else may be. An accident may happen in Massachusetts or out of state. Different situations require different kinds of insurance. Please read the whole policy to see what kinds of insurance are available to cover these different situations. At the same time, you should check the Coverage Selections Page to make sure it correctly indicates the coverages you purchased. Each coverage you purchased will be displayed along with a premium charge next to it. If a coverage is not listed for a particular vehicle or if no premium charge is shown for a coverage on a particular vehicle, you do not have the coverage. Sometimes you and we will agree to change this policy. The only way that can be done is by an Endorsement added to the basic policy form. All endorsements must be in writing. They then become part of this policy. We are pleased to have you as a customer and hope you have a safe and accident-free year. But if you need us, we are here to help you. If you have an accident or loss, or if someone sues you, contact us at Do the same if you have any questions or complaints. If you think we have treated you unfairly at any time, you may contact the Division of Insurance, (617) * * DEFINITIONS Throughout this policy definitions are bolded when used: 1. We, Us or Our refers to the company issuing this policy You or Your refers to the person(s) named in Item 1 of the Coverage Selections Page. Accident or accidental means an unexpected, unintended event that causes bodily injury or property damage arising out of the ownership, maintenance or use of an auto. Auto means a land motor vehicle or trailer but does not include: A. Any vehicle operated on rails or crawler treads. B. Any vehicle or trailer while it is located for use as a residence or premises. We will consider such a vehicle to be an auto while it is being used on public roads or for recreational use. C. A farm tractor or other equipment designed for use principally off public roads. We will consider a tractor or other equipment to be an auto while it is being used on public roads. D. Any vehicle not subject to Massachusetts Motor Vehicle registration such as a moped, dirt bike, mini-bike, snowmobile or an all-terrain vehicle (ATV). Your Auto means: A. The vehicle or vehicles described on the Coverage Selections Page. B. Any auto, except a motorcycle, while used as a temporary substitute for the described auto, with the permission of the owner, while the described auto is out of normal use because of a breakdown, repair, servicing, loss or destruction. The term your auto does not include a substitute vehicle owned by you or your spouse. C. A private passenger auto, trailer, pick-up truck, van or similar vehicle, to which you take title or lease as a permanent replacement for a described auto or as an additional auto. We provide coverage for an additional auto only if you ask us to insure it within seven days after you take title or the effective date of the lease. If a replacement or additional auto is a pick-up truck, van or similar vehicle, it must not be used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining or repairing furnishings or equipment. Under Parts 1, 2, 3, 4, 5 and 6 the term your auto also includes any trailer not described on the Coverage Selections Page as covered under those Parts. A-30-MA (04-12) Page 3 of 23

231 Trailer means a vehicle designed to be pulled by a private passenger auto, pick-up truck, van, or similar vehicle and designed for use on public roads. This includes a farm wagon or a farm implement. The trailer must be pulled by your auto. Occupying means in, upon, entering into, or getting out of. Collision means the accidental upset of your auto or any physical contact of your auto with another object. Household Member means anyone living in your household who is related to you by blood, marriage or adoption. This includes wards, step-children or foster children. Pedestrian includes anyone incurring bodily injury as a result of being struck by an auto in an accident and who is not occupying an auto at the time of the accident. OUR AGREEMENT This policy is a legal contract under Massachusetts law. Because this is an auto policy, it only covers accidents and losses which result from the ownership, maintenance or use of autos. The exact protection is determined by the coverages you purchased. We agree to provide the insurance protection you purchased for accidents that occur while this policy is in force. You agree to pay premiums when due and to cooperate with us in case of accidents or claims. Our contract consists of this policy, the Coverage Selections Page, any endorsements agreed upon, and your application for insurance. Oral promises or statements made by you or us are not part of this policy. There are many Massachusetts laws relating to automobile insurance. We and you must and do agree that, when those laws apply, they are part of this policy. There are four Parts to Compulsory Insurance. They are called Compulsory Insurance because Massachusetts law requires you to buy all of them before you can register your auto. No law requires you to buy more than this Compulsory Insurance. However, if you have financed your auto, the bank or finance company may legally insist that you have some Optional Insurance as a condition of your loan. The amount of your coverage and the cost of each Part is shown on the Coverage Selections Page. Your Compulsory Insurance does not pay for any damage to your auto. PART 1 - BODILY INJURY TO OTHERS COMPULSORY INSURANCE Under this Part, we will pay damages to people injured or killed by your auto in Massachusetts accidents. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. We will not pay for punitive or exemplary damages. We will pay only if you or someone else using your auto with your consent is legally responsible for the accident. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is $20,000. Subject to this $20,000 limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is $40,000. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page. We will not pay or defend: 1. For injuries to guest occupants of your auto. 2. For accidents outside of Massachusetts or in places in Massachusetts where the public has no right of access. 3. For injuries to any employees of the legally responsible person if they are entitled to Massachusetts workers compensation benefits. The law provides a special protection for anyone entitled to damages under this Part. We must pay their claims even if false statements were made when applying for this policy or your auto registration. We must also pay even if you or the legally responsible person fails to cooperate with us after the accident. We will, however, be entitled to reimbursement from the person who did not cooperate or who made any false statements. If a claim is covered by us and also by another company authorized to sell auto insurance in Massachusetts, we will pay only our proportionate share. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner s auto insurance must pay its limits before we pay. Then, we will pay, up to the limits shown on your Coverage Selections Page, for any damages not covered by that insurance. ACTION AGAINST US No person alleging coverage under Part 1. Bodily Injury to Others may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 1. Bodily Injury to Others unless the person alleging coverage has fully complied with all the policy s terms and conditions, and A-30-MA (04-12) Page 4 of 23

232 such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 1. Bodily Injury to Others, has a right under this policy to make us a defendant in an action to determine the person s liability. Bankruptcy or insolvency of the person alleging coverage under Part 1. Bodily Injury to Others or of his estate will not relieve us of our obligations. PART 2 - PERSONAL INJURY PROTECTION The benefits under this Part are commonly known as No-Fault benefits. It makes no difference who is legally responsible for the accident. We will pay the benefits described below to you and other people injured or killed in auto accidents. For any one accident, we will pay as many people as are injured, but the most we will pay for injuries to any one person is $8,000. This is the most we will pay no matter how many autos or premiums are shown on the Coverage Selections Page. We will pay three kinds of benefits: A. Medical Expenses We will pay all reasonable expenses incurred as a result of the accident for necessary medical, surgical, X-ray and dental services. This includes prosthetic devices. It also includes ambulance, hospital, professional nursing and funeral services. B. Lost Wages If an injured person is out of work because of the accident, we will pay lost wages up to 75% of his or her average weekly gross wage or equivalent for the year ending on the day immediately before the accident. We will not pay for the loss of any other type of income. If the injured person was unemployed at the time of the accident, we will pay up to 75% of the amount he or she actually lost in earning power as a result of the accident. C. Replacement Services We will reimburse the injured person for reasonable payments made to anyone outside his or her household for necessary services that he or she would have performed without pay for the benefit of the household, had he or she not been injured. We will pay PIP benefits to or for: 1. You, or any other person, if injured while occupying your auto with your consent. 2. You, or anyone living in your household, if injured while occupying an auto which does not have Massachusetts Compulsory Insurance or if struck by an auto which does not have Massachusetts Compulsory Insurance. 3. Any pedestrian, including you, if struck by your auto in Massachusetts or any Massachusetts resident who, while a pedestrian, is struck by your auto outside of Massachusetts. Benefits are paid only for expenses or losses actually incurred within two years after the accident. If the accident is in Massachusetts, or if it is outside Massachusetts and the injured person does not sue for damages, we will pay benefits within a reasonable time usually thirty days. If the accident is outside Massachusetts and the injured person does sue, then we can wait for a settlement or judgment before paying benefits. Some people have a wage continuation program at work. If so, we will pay them only the difference between the total we would ordinarily pay under this Part and the amount of the program payments. We will, however, reimburse the program if it allows benefits to be converted into cash or additional retirement credit. Sometimes program benefits are reduced or used up because of payments to the person injured in an accident. In that case, we will pay for lost wages resulting from any other illness or injury that person has within one year of our last payment. The exact amount of our payments under this paragraph will be determined by Massachusetts law. Some people have a policy of health, sickness, or disability insurance or a contract or agreement with a group, organization partnership or corporation to provide, pay for, or reimburse the cost of medical expenses ( health plan ). If so, we will pay up to $2,000 of medical expenses for any injured person. We will also pay medical expenses in excess of $2,000 for such injured person which will not be paid by a health plan. Medical expenses must be submitted to the health plan to determine what the health plan will pay before we pay benefits in excess of $2,000 under this Part. We will not pay for medical expenses in excess of $2,000 that the health plan would have paid had the injured person sought treatment in accordance with the requirements of the health plan. In any case, our total payment for medical expenses, lost wages and replacement services will not exceed $8,000. Within two years after an accident, we may, at our option, pay the cost of renewing or continuing in force a policy of health, sickness or disability insurance for anyone covered under this Part who is unwilling or unable to pay such cost. Our payment will not exceed the cost of renewing or continuing such policy for a period of two years after the accident. Also, our payment will not operate to reduce the benefits otherwise payable under this Part. * * A-30-MA (04-12) Page 5 of 23

233 COMPULSORY INSURANCE (CONTINUED) We will not pay PIP benefits to or for: 1. Anyone who, at the time of the accident, was operating or occupying a motorcycle, any motor vehicle not subject to motor vehicle registration, or a motorized bicycle, including a moped. 2. Anyone who contributed to his or her injury by operating an auto: (a) while under the influence of alcohol, marijuana, or a narcotic drug, (b) while committing a felony or seeking to avoid arrest by a police officer, or (c) with the specific intent of causing injury to himself, herself or others. 3. Anyone who is entitled to benefits under any workers compensation law for the same injury. When you purchased this Part you were given the choice of either excluding yourself, or yourself and household members, from some or all of the PIP coverage. The portion of each claim you may have agreed not to be covered for is called a deductible. You paid a smaller premium if you chose a deductible. In that case, we will only pay up to the difference between $8,000 and the amount of your deductible. The deductible is shown on the Coverage Selections Page. If anyone is entitled to PIP benefits and also to benefits under another Part of this policy, we will pay from this Part first. We will not pay PIP benefits to or for an injured person, to the extent those benefits would duplicate expenses or losses recovered by that person in a court judgment or settlement. If anyone covered under this policy is also entitled to PIP benefits from any other auto policy, the total benefits payable will not be more than the highest amount payable under whichever one of the policies would have paid the most. In that case, each insurer will pay only its proportionate share. We will not pay benefits under this Part which duplicate payments made under the No-Fault coverage of any other auto policy. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 2. Personal Injury Protection, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. PART 3 - BODILY INJURY CAUSED BY AN UNINSURED AUTO Sometimes an owner or operator of an auto legally responsible for an accident is uninsured. Some accidents involve unidentified hit-and-run autos. Under this Part, we will pay damages for bodily injury to people injured or killed in certain accidents caused by uninsured or hit-and-run autos. We will pay only if the injured person is legally entitled to recover from the owner or operator of the uninsured or hit-and-run auto. We will pay for hit-and-run accidents only if the owner or operator causing the accident cannot be identified. Sometimes the company insuring the auto responsible for an accident will deny coverage or become insolvent. We consider such an auto to be uninsured for purposes of this Part. However, we do not consider an auto owned by a governmental unit which is self-insured, or by someone who is legally self-insured, to be an uninsured auto. This Part is Compulsory. You must have limits of $20,000 per person and $40,000 per accident. However, you may want to buy more protection. If so, we must sell you limits up to $35,000 per person and $80,000 per accident, provided you have purchased at least these limits for Part 5. Higher limits may be purchased if agreed upon by you and by us. We will pay damages to or for: You, while occupying your auto, while occupying an auto you do not own, or if injured as a pedestrian. Any household member, while occupying your auto, while occupying an auto not owned by you or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts auto policy of his or her own or who is covered by any Massachusetts auto policy of another household member providing uninsured auto insurance with higher limits. Anyone else while occupying your auto. We will not pay damages to or for anyone else who has a Massachusetts auto policy of his or her own, or who is covered by any Massachusetts auto policy of another household member providing uninsured auto insurance. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. If you are injured while occupying your auto and you have two or more autos insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for the auto you are occupying when injured. If you are injured as a pedestrian or while occupying an auto you do not own, and you have two or more Massachusetts auto policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for you, if struck by, or while occupying an auto you own and which does not have Massachusetts compulsory auto insurance. A-30-MA (04-12) Page 6 of 23

234 COMPULSORY INSURANCE (CONTINUED) Likewise, we will not pay damages to or for any household member if struck by, or while occupying an auto owned by that household member which does not have Massachusetts compulsory auto insurance. We will not pay for punitive or exemplary damages. The most we will pay for damages to or for anyone injured in the following situations is $35,000 per person and $80,000 per accident or the limits you purchased, whichever is less: 1. Anyone injured while occupying your auto while it is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program either as a volunteer or at work. 2. Anyone injured while using an auto without the consent of the owner. 3. Anyone injured while using an auto in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. We will reduce the damages an injured person is entitled to recover by: 1. The amount recovered from any legally responsible person. 2. The amount paid under a workers compensation law or similar law. 3. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts auto policy. We will pay the balance of the damages up to the limits shown for this Part on your Coverage Selections Page. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of the damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without our written consent. We will not, however, unreasonably withhold our consent. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the per person limit. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the per accident limit. This is the most we will pay as the result of a single accident. The limits of two or more autos or policies shall not be added together, combined, or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of autos involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicate payments under the uninsured auto insurance of any other auto policy. This Part will not benefit any insurer or self-insurer under a workers compensation law or any similar law. ACTION AGAINST US No person alleging coverage under Part 3. Bodily Injury Caused By An Uninsured Auto, may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 3. Bodily Injury Caused By An Uninsured Auto, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. If a person alleging coverage commences action against the owner or operator of an uninsured auto to recover damages for loss arising out of the accident and gives us written notice of such action within 30 days after such action is commenced, an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, may be brought more than two years after the date the cause of action accrues, but in no event later than the earliest of the following to occur: A. two years after entry of a final judgment or other court order terminating such lawsuit against the owner or operator of an uninsured auto; or B. two years after we deny coverage. If any person alleging coverage sues a person believed responsible for the accident without our written consent, we are not bound by any resulting judgment. PART 4 - DAMAGE TO SOMEONE ELSE S PROPERTY Under this Part, we will pay damages to someone else whose auto or other property is damaged in an accident. The damages we will pay are the amounts that person is legally entitled to collect for property damage through a court judgment or settlement. * * A-30-MA (04-12) Page 7 of 23

235 COMPULSORY INSURANCE (CONTINUED) We will pay only if you or a household member is legally responsible for the accident. We will also pay if someone else using your auto with your consent is legally responsible for the accident. Damages include any applicable sales tax and the costs resulting from the loss of use of the damaged property. The following are not covered: A. The United States of America or any of its agencies, B. Any person while using an auto in the course of his employment by the United States Government if the Federal Tort Claim Act requires the Attorney General of the United States to defend that person in any civil action or proceeding for bodily injury or property damage, whether or not the accident has been reported to the United States or the Attorney General. C. The Commonwealth of Massachusetts or any of its agencies. We will not pay for property damage which occurs: 1. While your auto is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program either as a volunteer or at work. 2. While any auto is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing or parking autos. This exclusion does not apply to the ownership, maintenance or use of your auto by you or a household member. 3. In addition to the above exclusion for the business of selling, servicing, repairing or parking autos, while anyone is using a vehicle in the course of any business. This exclusion also applies to private passenger autos, pick-up trucks, vans, and similar vehicles used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. 4. While a household member is using an auto which you or any household member owns or uses regularly unless a premium for this Part is shown for that auto on the Coverage Selections Page. 5. While you are using an auto which you or a household member owns or uses regularly unless a premium for this Part is shown for that auto on the Coverage Selections Page. 6. To an auto or other property owned by you or the legally responsible person. Similarly, we will not pay for damage to an auto or other property, except for a private residence or garage, which you or the legally responsible person rents or has in his or her care. 7. When the property damage is caused by anyone using an auto without the consent of the owner. The most we will pay for damage resulting from any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner s auto insurance must pay its limit before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limit shown on the Coverage Selections Page. However, if the claim is covered by us and another auto policy, we will pay only our proportionate share of those damages not paid by the owner s auto insurance. Under this Part, we may have to pay for property damage even if you or the legally responsible person fails to give us prompt notice of the accident. In that case we may be entitled to reimbursement from that person. This Part is Compulsory. You must have limits of at least $5,000. However, you may want to buy more protection. Higher limits may be purchased if agreed upon by you and by us. However, $5,000 is the most we will pay for property damage caused by an auto covered under this Part which is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. ACTION AGAINST US No person alleging coverage under Part 4. Damage to Someone Else s Property may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 4. Damage to Someone Else s Property unless the person alleging coverage has fully complied with all the policy s terms and conditions, and such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 4. Damage to Someone Else s Property, A-30-MA (04-12) Page 8 of 23

236 * * A-30-MA (04-12) Page 9 of 23 COMPULSORY INSURANCE (CONTINUED) has a right under this policy to make us a defendant in an action to determine the person s liability. Bankruptcy or insolvency of the person alleging coverage under Part 4. Damage to Someone Else s Property or of his estate will not relieve us of our obligations. OPTIONAL INSURANCE There are eight separate Parts to Optional Insurance. They are called Optional Insurance because they are not required by law. The amount of insurance and cost of any of these Parts you purchased is shown on the Coverage Selections Page. With the exception of Emergency Road Service (Part 11), we must sell you any or all of the Optional coverages you wish, subject to certain deductibles and limits specified in Massachusetts law. However, Massachusetts law provides that we may refuse to sell Collision (Part 7) and Comprehensive (Part 9), or both, in certain specified instances. Because two of the Optional coverages Collision (Part 7) and Limited Collision (Part 8) duplicate each other in many ways, you may buy one of them but not both. If you do not buy either one, you still have the right to sue people who damage your auto but we will not provide any assistance to you for any direct and accidental damage to your auto caused by a collision under this policy. As used in Optional Insurance when applied to an auto: Actual cash value is the value of an auto based on a consideration of all the following factors: (a) the retail book value for a motor vehicle of like kind and quality, but for the damage incurred; (b) the price paid for the vehicle plus the value of prior improvements to the motor vehicle at the time of the accident, less appropriate depreciation; (c) the decrease in value of the motor vehicle resulting from prior unrelated damage which is detected by the appraiser; and (d) the actual cost of purchase of an available motor vehicle of like kind and quality but for the damage sustained. Custom parts or equipment means paint, equipment, devices, accessories, enhancements, and changes, other than those which are original manufacturer installed, which: (a) Are permanently installed or attached; or (b) Alter the appearance or performance of the vehicle. This includes any electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or to play back recorded media, other than those which are original manufacturer installed, that are permanently installed in your auto, using bolts or brackets, including slide-out brackets. Betterment is improvement of the auto or property to a value greater than its pre-loss condition. We will not pay under any of the Optional coverages: 1. If the accident happens while your auto is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program either as a volunteer or at work. 2. For loss to custom parts or equipment unless the existence of those custom parts or equipment has been previously reported to us and an endorsement to the policy has been added. 3. For loss or damage to equipment designed for the detection or avoidance of any law enforcement speed measuring device. This does not apply to electronic equipment designed solely for safety warning systems. 4. For injury or damage that is intentionally caused by you, a household member or anyone else using your auto with your consent. 5. While any auto is being used by anyone in the course of his or her employment in the business of selling, servicing, repairing, or parking autos. This exclusion does not apply to the ownership, maintenance or use of your auto by you or a household member. 6. In addition to the above exclusion for the business of selling, servicing, repairing or parking autos, while anyone is using a vehicle in the course of any business. This exclusion also applies to private passenger autos, pick-up trucks, vans, and similar vehicles used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining, or repairing furnishings or equipment. PART 5 - OPTIONAL BODILY INJURY TO OTHERS Under this Part, we will pay damages to people injured or killed in accidents if you or a household member is legally responsible for the accident. We will also pay damages if someone else using your auto with your consent is legally responsible for the accident. The damages we will pay are the amounts the injured person is entitled to collect for bodily injury through a court judgment or settlement. This Part is similar to Compulsory Bodily Injury To Others (Part 1). Like the Compulsory Part, this Part pays for accidents involving your auto in Massachusetts. Also like the Compulsory Part, this Part does not pay for the benefit of anyone using an auto without the consent of the owner.

237 OPTIONAL INSURANCE (CONTINUED) Unlike the Compulsory Part, this Part does provide coverage for injuries to guest occupants and for accidents occurring outside Massachusetts The following are not covered: A. The United States of America or any of its agencies, B. Any person while using an auto in the course of his employment by the United States Government if the Federal Tort Claim Act requires the Attorney General of the United States to defend that person in any civil action or proceeding for bodily injury or property damage, whether or not the accident has been reported to the United States or the Attorney General. C. The Commonwealth of Massachusetts or any of its agencies. We will not pay or defend: 1. For injuries to employees of the person using the auto who are injured in the course of employment. 2. For injuries resulting from an accident while a household member is using an auto which you or any household member owns or uses regularly, unless a premium for this Part is shown for that auto on the Coverage Selections Page. 3. For injuries resulting from an accident while you are using an auto which you or a household member owns or uses regularly, unless a premium for this Part is shown for that auto on the Coverage Selections Page. 4. For any liability assumed under any contract or agreement. 5. For punitive or exemplary damages. If the accident occurs in any other state, the District of Columbia, a United States territory or possession, or in a Canadian province and you have purchased any coverage at all under this Part, your policy will automatically apply to that accident, as follows, if the state, the District of Columbia, United States territory or possession, or Canadian province has: 1. A financial responsibility law or similar law requiring limits of liability for bodily injury or property damage higher than the limits you have purchased, your policy will provide the higher required limits. 2. A compulsory insurance or similar law requiring your auto to have insurance whenever it is used in the state, the District of Columbia, United States territory or possession, or Canadian province, your policy will provide at least the required minimum amounts and types of coverage. The limits shown for this Part on the Coverage Selections Page are the total limits you have under Compulsory Bodily Injury to Others (Part 1) and this Part. This means that the Compulsory limits are included within the limits shown on the Coverage Selections Page for this Part and are not in addition to them. The most we will pay for injuries to one or more persons as a result of bodily injury to any one person in any one accident is shown on the Coverage Selections Page as the per person limit for the auto involved in that accident. Subject to this limit, the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident is shown on the Coverage Selections Page as the per accident limit for the auto involved in that accident. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner s auto insurance must pay its limits before we pay. Then, we will pay for any damages not paid by that insurance, up to the policy limits shown on your Coverage Selections Page. However, if the claim is covered by us and another auto policy, we will pay only our proportionate share of those damages not paid by the owner s auto insurance. Any payments we make to anyone or for anyone under Bodily Injury Caused By An Uninsured Auto (Part 3) will reduce the amount of damages that person is entitled to recover from anyone covered under this Part. We will also pay up to $250 for the cost of bail bonds required as a result of an accident covered under this Part including bail bonds for traffic law violations related to the accident. We must sell you limits up to $35,000 per person and $80,000 per accident if you want to buy them. Higher limits may be purchased if agreed upon by you and by us. However, while an auto covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits. While an auto covered under this part is participating in an organized automobile track event, the most we will pay is the required minimum limits. ACTION AGAINST US No person alleging coverage under Part 5. Optional Bodily Injury to Others may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 5. Optional Bodily Injury to Others unless the person alleging coverage has fully complied with all the policy s terms and conditions, and A-30-MA (04-12) Page 10 of 23

238 OPTIONAL INSURANCE (CONTINUED) such action is commenced no later than two years after the date the cause of action accrues. No person or organization, including the person alleging coverage under Part 5. Optional Bodily Injury to Others, has a right under this policy to make us a defendant in an action to determine the person alleging coverage liability. Bankruptcy or insolvency of the person alleging coverage under Part 5. Optional Bodily Injury to Others or of his estate will not relieve us of our obligations. PART 6 - MEDICAL PAYMENTS Under this Part, we will pay reasonable expenses for necessary medical and funeral services incurred as a result of an accident. We will pay for expenses resulting from bodily injuries to anyone occupying your auto at the time of the accident. We will also pay for expenses resulting from bodily injuries to you or any household member if struck by an auto or if occupying someone else s auto at the time of the accident. We will not pay for expenses resulting from injuries to: 1. Anyone injured while in a vehicle which had been placed off the public roads for use as a residence. 2. Anyone injured in the course of employment in selling, servicing, repairing or parking autos if that person is entitled to workers compensation benefits. 3. Anyone employed by you or your spouse who is injured in the course of employment. This exception does not apply to any domestic employee who is not entitled to any workers compensation benefits. 4. Anyone injured while occupying an auto without a reasonable belief that he or she had the consent of the owner to do so. 5. A household member while occupying or struck by an auto owned or regularly used by you or any household member unless a premium for this Part is shown for that auto on the Coverage Selections Page. 6. You while occupying or struck by an auto owned or regularly used by you unless a premium for this Part is shown for that auto on the Coverage Selections Page. 7. Any person, if such person s conduct contributed to his bodily injury under any of the following circumstances: (a) causing bodily injury to himself intentionally; (b) while committing a felony. 8. The United States of America or any of its Agencies as an insured, a third party beneficiary or otherwise. We will not pay for expenses incurred more than two years after the date of the accident. We will not pay under this Part for any expenses that are payable, or would have been payable except for a deductible, under the PIP coverage of this policy or any other Massachusetts auto policy. The most we will pay for any one person as a result of any one accident is shown on the Coverage Selections Page. This is the most we will pay as the result of a single accident no matter how many autos or premiums are shown on the Coverage Selections Page. If someone covered under this Part is also entitled to Medical Payments coverage under another auto policy issued to you or any household member, we will pay only our proportionate share. If someone covered under this Part is using an auto he or she does not own at the time of the accident, the owner s automobile Medical Payments insurance must pay its limit before we pay. Then, we will pay up to the limit shown on your Coverage Selections Page for any expenses not covered by that insurance. We will not pay benefits under this Part which duplicate payments made under the Medical Payments coverage of any other auto policy. We must sell you limits of $5,000 per person if you want to buy them. Higher limits may be purchased if agreed upon by you and us. However, while an auto covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity, the most we will pay is the required minimum limits. While an auto covered under this part is participating in an organized automobile track event, the most we will pay is the required minimum limits. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 6. Medical Payments, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. * * A-30-MA (04-12) Page 11 of 23

239 OPTIONAL INSURANCE (CONTINUED) PART 7 - COLLISION Under this Part, we will pay for any direct and accidental damage to your auto caused by a collision. We will also pay for collision damage to other private passenger autos while being used by you or a household member with the consent of the owner. It does not matter who is at fault. We will pay the cost to physically repair the auto or any of its parts up to the actual cash value of the auto or any of its parts at the time of the collision and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either the actual cash value of the auto or the cost to physically repair the auto, whichever is less. The cost to physically repair the auto is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Unless you have purchased agreed amount coverage, actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation/ betterment and for the physical condition of the property. We will, at our option, repair the auto, repair or replace any of its parts, or declare the auto a total loss. If the repair of a damaged part will impair the operational safety of the auto we will replace the part. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment, not to exceed the actual cash value of the vehicle. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. We will not pay for damage to any auto which is owned or regularly used by you or a household member unless a premium for this Part is shown for that auto on the Coverage Selections Page. We will not pay if an accident occurs while an auto covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged of organized, or in practice or preparation for any such contest or activity, whether or not prearranged or organized. We will not pay if an auto covered under this part is participating in an organized automobile track event. We will not pay for any liability assumed under any other contract of agreement. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your auto. We will not pay for a collision loss for an accident which occurs while your auto is being operated by a household member who is not listed as an operator on this policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on this policy because: 1. the household member would be classified as an inexperienced operator, or 2. more points would be assigned under a merit rating plan. You must notify us within 60 days after a person who will operate your auto becomes a household member, if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your auto, becomes a licensed operator. If we pay for the total loss of your auto, we will suspend the Collision Coverage for that auto until it passes a Motor Vehicle Inspection Test. Camper bodies are not covered under this Part unless specifically shown on the Coverage Selections Page or by endorsement. An additional premium will be charged for insuring a camper body. If an auto covered under this Part is not owned by you at the time of the accident, the owner s auto insurance must pay its limit before we pay, then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. A-30-MA (04-12) Page 12 of 23

240 * * A-30-MA (04-12) Page 13 of 23 OPTIONAL INSURANCE (CONTINUED) PART 8 - LIMITED COLLISION Under this Part, we will pay in some situations for direct and accidental damage to your auto caused by a collision. We will also pay in these situations for damage to other private passenger autos while being used by you or a household member with the consent of the owner. We will pay the cost to physically repair the auto or any of its parts up to the actual cash value of the auto or any of its parts at the time of the collision and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either the actual cash value of the auto or the cost to physically repair the auto, whichever is less. The cost to physically repair the auto is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Unless you have purchased agreed amount coverage, actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation/ betterment and for the physical condition of the property. We will, at our option, repair the auto, repair or replace any of its parts, or declare the auto a total loss. If the repair of a damaged part will impair the operational safety of the auto we will replace the part. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment, not to exceed the actual cash value of the vehicle. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. We will not pay for damage to any auto which is owned or regularly used by you or a household member unless a premium for this Part is shown for that auto on the Coverage Selections Page. We will not pay if an accident occurs while an auto covered under this Part is being operated in any racing speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. We will not pay if an auto covered under this part is participating in an organized automobile track event. We will not pay for any liability assumed under any other contract of agreement. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your auto. We will not pay for a loss for an accident which occurs while your auto is being operated by a household member who is not listed as an operator of this policy. Payment is withheld when the household member, if listed, would require the payment of additional premium on this policy because: 1. the household member would be classified as an inexperienced operator, or 2. more points would be assigned under a merit rating plan. You must notify us within 60 days after a person who will operate your auto becomes a household member if that person was not a household member on the effective date of your policy. In the same manner, you must notify us if a household member, who will operate your auto, becomes a licensed operator. The protection under this Part is not as broad as under Collision coverage but the premium is considerably less. We only pay under this Part for multiple car accidents in which the driver of the auto we are covering was no more than 50% at fault. We will not pay if the owner of the other auto cannot be identified. After a claim under this Part we are required to determine whether the driver of the auto we are covering was more than 50% at fault. We will notify you of our determination. As long as the driver of the auto covered under this Part was not more than 50% at fault, his or her percentage of fault will not affect the amount of our payment. We will consider the driver of the auto covered under this Part to be no more than 50% at fault if: 1. That auto was legally parked when struck by another auto. 2. That auto was struck in the rear by another auto moving in the same direction. 3. The operator of the other auto was convicted of certain violations listed in Massachusetts law or any similar law of another state in which the accident occurs. However, we will not pay if the operator of the auto covered under this Part was also convicted of one of the same violations. 4. That driver is entitled to recover in court against an identified person for some reason other than those listed above. If we pay for the total loss of your auto, we will suspend the Limited Collision Coverage for that auto until it passes a Motor Vehicle Inspection Test. Camper bodies are not covered under this Part unless specifically shown on the Coverage Selections Page or by endorsement. An additional premium will be charged for insuring a camper body.

241 A-30-MA (04-12) Page 14 of 23 OPTIONAL INSURANCE (CONTINUED) If an auto covered under this Part is not owned by you at the time of the accident, the owner s auto insurance must pay its limit before we pay, then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage not covered by that insurance less the deductible amount you selected. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 9 - COMPREHENSIVE Under this Part, we will pay for direct and accidental damage to or loss of your auto other than damage caused by collision. We will also pay for such damage or loss to other private passenger autos while being used by you or a household member with the consent of the owner. We will pay the cost to physically repair the auto or any of its parts up to the actual cash value of the auto or any of its parts at the time of loss and will not include compensation for any diminution of value claimed to result from the loss. The most we will pay will be either the actual cash value of the auto or the cost to physically repair the auto, whichever is less. The cost to physically repair the auto is limited to the prevailing competitive price, which is the price we can secure from a competent repair facility conveniently located to you. Unless you have purchased agreed amount coverage, actual cash value of the property will be determined at the time of the loss and may include an adjustment for depreciation/ betterment and for the physical condition of the property. We will, at our option, repair the auto, repair or replace any of its parts, or declare the auto a total loss. If the repair of a damaged part will impair the operational safety of the auto we will replace the part. We will reimburse you for substitute transportation expenses if your auto is stolen. The most we will pay for custom parts or equipment, if covered, is the actual cash value of the custom parts or equipment, not to exceed the actual cash value of the vehicle. In all cases we will subtract the deductible amount you selected. Unless you selected a different amount, the law sets your deductible at $500. Your deductible is shown on the Coverage Selections Page. Your deductible does not apply to glass breakage. Your deductible does not apply to substitute transportation expenses following a theft. We will not pay for such damage or loss to any auto which is owned or regularly used by you or a household member unless a premium for this Part is shown for that auto on the Coverage Selections Page. We will not pay if an accident occurs while an auto covered under this Part is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. This Part is not a substitute for Collision (Part 7) or Limited Collision (Part 8). We will not pay if an auto covered under this part is participating in an organized automobile track event. We will not pay for any liability assumed under any other contract of agreement. We will not pay for any loss or damage resulting from: (a) the acquisition of a stolen vehicle; (b) any governmental, legal, or other action to return a vehicle to its legal, equitable, or beneficial owner, or any one claiming an ownership interest in the vehicle; (c) any confiscation, seizure, or impoundment of a vehicle by governmental authorities; or (d) the sale of your auto. We consider glass breakage when not involving other collision loss, and the following types of losses to be Comprehensive and not Collision losses: losses caused by vandalism, fire and theft, missiles, falling objects, larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, riot or contact with a bird or animal. If your auto is stolen, you must report the theft to us and the police. We will reimburse you only for transportation expenses incurred after the first 48 hours following those reports. We will not pay for transportation expenses incurred prior to that time. After that, we will reimburse you up to $25 a day to a maximum of $750. Your right to reimbursement stops on the day your auto is located or before that time if we pay you for the theft loss. If you choose not to rent an auto, we will reimburse you up to the same amount for taxicab fares, bus fares and other transportation expenses. If your auto is found, we will pay the cost of transporting it to your last address shown on the Coverage Selections Page. However, our total payment for transporting the auto and for repairs will not be more than the actual cash value of the auto.

242 * * A-30-MA (04-12) Page 15 of 23 OPTIONAL INSURANCE (CONTINUED) If your auto is damaged by fire, you must report the loss to us and the fire department. Massachusetts law requires that if we pay for the total loss of your auto as a result of a fire or theft, we may suspend coverage for a fire or theft loss under this Part for any replacement auto unless it is made reasonably available for our inspection within two Registry of Motor Vehicles business days following the day you acquired it. We may also raise your deductible unless you install an approved anti-theft device in the replacement auto. Camper bodies are not covered under this Part unless specifically shown on the Coverage Selections Page or by endorsement. An additional premium will be charged for insuring a camper body. If an auto covered under this Part is not owned by you at the time of the accident, the owner s auto insurance must pay its limit before we pay. Then, we will pay, up to the limit shown on your Coverage Selections Page, for any damage or loss not covered by that insurance less the deductible amount you selected. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. SALVAGE If we retain salvage, we have no duty to preserve or otherwise retain the salvage for any purpose, including as evidence for any civil or criminal proceeding. If you or the Lienholder ask us immediately after a loss to preserve the salvage for inspection, we will do so for a period not to exceed 30 days. You or the Lienholder may purchase the salvage from us. PART 10 - RENTAL REIMBURSEMENT- SUBSTITUTE TRANSPORTATION Under this Part, we will reimburse you in certain situations up to the limits shown on your Coverage Selections Page as Rental Reimbursement. We will reimburse you if your auto was in a collision and is being repaired or replaced. We will also reimburse you if your auto cannot be used because of the kind of damage or loss, including theft, that is covered under Comprehensive (Part 9). We will not make any payments unless you lose the use of your auto for at least 24 hours. We will pay only for a period of time which is reasonable for having your auto repaired or replaced. If your auto is stolen, you must report the theft to us and the police. We will reimburse you only for transportation expenses incurred after the first 48 hours following those reports. We will not pay for transportation expenses incurred prior to that time. Under Comprehensive (Part 9) there is also substitute transportation coverage when your auto is stolen. If you purchase both Comprehensive and $15/$450 limits under this Part, Comprehensive will pay first until its coverage is no longer available. Then this Part will pay. If you purchase $30/$900 limits under this Part, the most we will pay under Comprehensive (Part 9) and this Part is up to $30 a day to a maximum of $900. If you purchase $45/$1,350 limits under this Part, the most we will pay under Comprehensive (Part 9) and this Part is up to $45 a day to a maximum of $1,350. If you purchase $100/$3,000 limits under this Part, the most we will pay under Comprehensive (Part 9) and this Part is up to $100 a day to a maximum of $3,000. The Coverage here will not duplicate any Comprehensive payments. If you choose not to rent an auto, we will reimburse you up to the same amounts for taxicab fares, bus fares and other transportation expenses. Reimbursement for rental charges and transportation expenses shall end the earliest of when your auto has been: 1. Returned to you; 2. Repaired; 3. Replaced; or 4. If your auto is deemed by us to be a total loss, then seventy two (72) hours after we pay the applicable limit of liability under Part 7, Part 8, or Part 9. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. PART 11 - EMERGENCY ROAD SERVICE If you have purchased Emergency Road Service, we will pay reasonable expenses you or a household member incur, or other person using your auto with your permission incurs, for: 1. mechanical labor up to one hour at the place of breakdown; 2. lockout services up to $100 per lockout if keys to the auto are lost, broken or accidentally locked in the auto;

243 OPTIONAL INSURANCE (CONTINUED) 3. if it will not run, towing to the nearest repair facility where the necessary repairs can be made; 4. towing it out if it is stuck on or immediately next to a public highway; 5. delivery of gas, oil, loaned battery, or change of tire. WE DO NOT PAY FOR THE COST OF THE GAS, OIL, LOANED BATTERY, OR TIRE(S). OBTAINING SERVICE UNDER THIS COVERAGE You may secure service under this amendment in the following manner: SIGN AND DRIVE The first method, called "sign and drive", features a toll-free number in which the insured calls a GEICO Emergency Road Service representative who will dispatch a service vendor. Upon verification of Emergency Road Service (ERS) coverage, reasonable and necessary charges for covered services provided will be automatically billed to the Company by the service vendor. The insured need only sign a receipt at the time of service which authorizes the Company to directly pay the service vendor. Any additional mileage, other fees not specifically addressed above, or lockout services in excess of $100 will be at the insured s expense. HIRED SERVICES The second method occurs when the insured does not use the sign and drive feature described above and hires services without prior approval from the Emergency Road Service (ERS) Department. Upon verification of Emergency Road Service (ERS) coverage, an insured will be reimbursed for covered services provided, up to a limit of $50. Lockout services are limited to $100. Requests for reimbursement must be accompanied by an original itemized receipt and must be submitted within three years of service. There will be a limit of one reimbursement per disablement. ACTION AGAINST US No person(s) or entity(ies) may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, unless the policy terms have been complied with and until 30 days after proof of loss is filed and the amount of loss is determined. Such action must be commenced no later than two years after the date the cause of action accrues. PART 12 - BODILY INJURY CAUSED BY AN UNDERINSURED AUTO Sometimes an owner or operator of an auto legally responsible for an accident is underinsured. Under this Part, we will pay damages for bodily injury to people injured or killed as a result of certain accidents caused by someone who does not have enough insurance. We will only pay if the injured person is legally entitled to recover from the owners or the operators of all underinsured autos. Such injured person has a claim under this Part when the limits for automobile bodily injury liability insurance covering the owners and operators of the legally responsible autos are: 1. Less than the limits shown for this Part on your Coverage Selections Page; and 2. Not sufficient to pay for the damages sustained by the injured person. We will pay damages to or for: 1. You, while occupying your auto, while occupying an auto you do not own, or if injured as a pedestrian. 2. Any household member, while occupying your auto, while occupying an auto not owned by you, or if injured as a pedestrian. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay damages to or for any household member who has a Massachusetts auto policy of his or her own or who is covered by a Massachusetts auto policy of another household member providing underinsured auto insurance with higher limits. 3. Anyone else while occupying your auto. We will not pay damages to or for anyone else who has a Massachusetts auto policy of his or her own or who is covered by a Massachusetts auto policy of another household member providing underinsured auto coverage. 4. Anyone else for damages he or she is entitled to recover because of injury to a person covered under this Part. If you are injured while occupying your auto and you have two or more autos insured with us with different limits, we will only pay up to the limits shown on your Coverage Selections Page for the auto you are occupying when injured. If you are injured while occupying your auto and have two or more Massachusetts auto policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. If you are injured as a pedestrian or while occupying an auto you do not own and have two or more Massachusetts auto policies which provide coverage at different limits, the policy with the higher limits will pay. If there are two or more policies which provide coverage at the same limits, we will only pay our proportionate share. We will not pay to or for: A-30-MA (04-12) Page 16 of 23

244 * * A-30-MA (04-12) Page 17 of 23 OPTIONAL INSURANCE (CONTINUED) 1. You, while occupying an auto you own unless a premium charge is shown for that auto on your Coverage Selections Page. 2. Anyone injured while occupying your auto while it is being used as a public or livery conveyance. This does not apply to the use of your auto in a share-the-expense car pool arrangement or in an expense reimbursement program either as a volunteer or at work. 3. Anyone injured while using an auto without the consent of the owner. 4. Anyone injured while an auto is being operated in any racing, speed, stunting or demolition contest or activity, whether or not prearranged or organized, or in practice or preparation for any such contest or activity. 5. Any household member if struck by, or while occupying an auto owned by that household member which does not have Massachusetts compulsory auto insurance. 6. Anyone injured while an auto is participating in an organized automobile track event. 7. Punitive or exemplary damages. We will reduce the damages an injured person is entitled to recover by: 1. The total amount collected from the automobile bodily injury liability insurance covering the legally responsible owners and operators of all insured autos. 2. The amount recovered from any legally responsible person provided the injured person is fully compensated for his or her damages for bodily injury. 3. The amount paid under a workers compensation law or similar law. 4. Any expenses that are payable or would have been payable, except for a deductible, under the PIP coverage of this policy or any other Massachusetts auto policy. If only one person sustains bodily injury, we will pay any unpaid damages up to the difference between the total amount collected from the automobile bodily injury liability insurance covering the legally responsible owners and operators of all insured autos and the per person limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to one or more persons as the result of bodily injury to any one person in any one accident. Subject to the per person limit, if two or more people sustain bodily injury and are entitled to coverage under this Part, we will pay any unpaid damages up to the difference between the automobile bodily injury liability insurance per accident limit covering the legally responsible owners and operators and the per accident limit shown for this Part on your Coverage Selections Page. This is the most we will pay for injuries to two or more people as the result of bodily injury to two or more people in any one accident. The determination as to whether an injured person is legally entitled to recover damages from the legally responsible owner or operator will be by agreement between us and the injured person. The amount of damages, if any, will be determined in the same way. Arbitration will be used if no agreement can be reached. However, in no event may a demand for arbitration constitute first notice of claim. We must be given sufficient notice of claim to conduct a reasonable investigation and attempt settlement before arbitration can be filed. If an injured person settles a claim as a result of an accident covered under this Part, we will pay that person only if the claim was settled with our consent. We will not be bound under this Part by any judgment resulting from a lawsuit brought without our written consent. We will not, however, unreasonably withhold our consent. The limits of two or more autos or policies shall not be added together, combined or stacked, to determine the limits of coverage available to anyone covered under this Part, regardless of the number of autos involved, persons covered, claims made, or premiums shown on the Coverage Selections Page. We will not make payments under this Part which duplicate payments under the underinsured auto insurance of any other auto policy. This Part will not benefit any insurer or self-insurer under a workers compensation law or any similar law. ACTION AGAINST US No person alleging coverage under Part 12. Bodily Injury Caused By An Underinsured may bring an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, under Part 12. Bodily Injury Caused By An Underinsured Auto, unless there is full compliance with all policy terms and such action is commenced no later than two years after the date the cause of action accrues. If a person alleging coverage commences action against the owner or operator of an underinsured auto to recover damages for loss arising out of the accident and gives us written notice of such action within 30 days after such action is commenced, an action against us related to the existence or amount of coverage, or the amount of loss for which coverage is sought, may be brought more than two years after the date the cause of action accrues, but in no event later than the earliest of the following to occur: A. two years after entry of a final judgment or other court order terminating such lawsuit against the owner or operator of an underinsured auto; or B. two years after we deny coverage.

245 OPTIONAL INSURANCE (CONTINUED) If any person alleging coverage sues a person believed responsible for the accident without our written consent, we are not bound by any resulting judgment. GENERAL PROVISIONS AND EXCLUSIONS This section of the policy contains general provisions which, unless otherwise noted, apply to all your coverages. It also describes some situations in which policy benefits will not be paid. 1. Where You Are Covered Compulsory Bodily Injury To Others (Part 1) only covers accidents in Massachusetts. All the other Parts provide coverage for accidents and losses which happen in the United States or Canada. We consider United States territories and possessions and Puerto Rico to be part of the United States. We will pay for accidents and losses which happen while your auto is being transported between ports of the United States and Canada. Your auto is not covered in any other country. 2. Our Duty To Defend You And Our Right To Settle We have the right to defend any lawsuit brought against anyone covered under this policy for damages which might be payable under this policy. We also have a duty to defend any such lawsuit, even if it is without merit, but our duty to defend ends when we tender, or pay to any claimant or to a court of competent jurisdiction, with the court s permission, the maximum limits of coverage under this policy. We may end our duty to defend at any time during the course of the lawsuit, by tendering, or paying the maximum limits of coverage under the policy, without the need for a judgment or settlement of the lawsuit or a release by the claimant. We have the right to settle any claim or lawsuit as we see fit. If any person covered under this policy settles a claim or has been awarded a judgment without our consent, we will not be bound by that settlement or judgment. 3. Additional Costs We Will Pay We will pay, in addition to the limits shown for Compulsory and Optional Bodily Injury To Others (Parts 1 and 5) and Damage to Someone Else s Property (Part 4): A. Premiums on appeal bonds and premiums on bonds to release attachments for an amount up to the applicable limits you selected in any suit we defend. B. Interest calculated on that part of a judgment that is within our limit of liability and accruing after judgment, and until we pay, offer to pay, or deposit in court, the amount due under this coverage. C. Up to $50 a day for loss of earnings, but not for loss of other income, to any person covered under this policy who attends hearings or trials at our request. D. Other reasonable expenses incurred at our request. 4. What Happens If You Die If you die, we will continue coverage for the period of this policy for: A. Your spouse, if a resident of your household at your death. B. Any legal representative to the extent he or she is responsible for maintenance or use of your auto. C. Any person having proper temporary custody of your auto. 5. Our Right To Be Repaid Sometimes we may make a payment under this policy to you or to someone else who has a separate legal right to recover damages from others. In that case, those legal rights may be exercised by us. Anyone receiving payment under those circumstances must do nothing to interfere with those rights. He or she must also do whatever is necessary to help us recover for ourselves up to the amount we have paid. If we then recover more than we paid, we will pay that person the excess, less his or her proportionate share of the costs of recovery, including reasonable attorneys fees. Any amount recovered, because of a payment we make under Part 3 or Part 12 of this policy shall first be applied to any unpaid damages due that person. Such unpaid damages must be a part of a claim settled with our consent or a part of a judgment resulting from a lawsuit brought with our written consent. Any balance then remaining shall be applied to the amounts we have paid under Part 3 or Part 12. We will reduce the amount we will pay that person by his or her proportionate share of the costs of recovery including reasonable attorneys fees. Sometimes you or someone else may recover money from the person legally responsible for an accident and also receive money from us for the same accident. If so, the amount we paid must be repaid to us to the extent that you or someone else recovers. If you or someone else recover money from the person legally responsible for the accident and also receive money from us for the same accident as a payment under Part 3 or Part 12 of this policy, we must be repaid for any amounts so paid but only to the extent that such recovery exceeds any unpaid damages due that person under a claim settled with our consent or judgment resulting from a lawsuit brought with our written consent. Whenever we are entitled to repayment from anyone, the amount owed us can be reduced by our proportionate share of the costs of recovering the money, including reasonable attorneys fees. In either case we do not have to be repaid for any money we have paid under Medical Payments (Part 6). A-30-MA (04-12) Page 18 of 23

246 * * A-30-MA (04-12) Page 19 of 23 GENERAL PROVISIONS AND EXCLUSIONS ( CONTINUED) 6. When You Have More Than One Auto Policy With Us You may have more than one policy with us covering the same accident. In that case, the most we will pay is the highest amount payable under the applicable coverage in any one of those policies. However, claims made under Bodily Injury Caused By An Uninsured Auto (Part 3) and Bodily Injury Caused By An Underinsured Auto (Part 12) are treated differently. The difference is explained in the description of the coverage for these Parts. 7. If You Go Bankrupt Bankruptcy or insolvency of any person covered under this policy does not relieve us of any of our obligations under this policy. 8. We Do Not Pay For Nuclear Losses, War Losses, or Terrorism We will not pay under Damage To Someone Else s Property (Part 4) and Optional Bodily Injury To Others (Part 5) for any person who is an insured under a nuclear energy liability policy or who would be an insured under such a policy had it not already exhausted its limits. We will not pay under any optional coverages (Parts 5, 6, 7, 8, 9, 10, 11, and 12) for losses or damage caused by radioactive contamination or by acts of war, insurrection, rebellion, terrorism or revolution or any act incident to any of these. 9. We Do Not Pay For Ordinary Wear Or Tear We will not pay for damage to your auto which is due solely to ordinary wear and tear, freezing, mechanical or electrical failure, or for ordinary road damage to tires. We will, however, pay for this damage if it is the result of some other loss which is covered by this policy. 10. If We Pay For A Total Loss If we pay for the total loss of your auto, we have the right, if we so choose, to take title to that auto. We also have the right, if we so choose, to take any damaged part for which we pay. 11. Repair And Payment After A Collision or Loss; If We Disagree On The Amount of Damage ( Parts 7, 8, 9) Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9), you must allow us to have the auto appraised after a collision or loss. If we have a direct payment plan approved by the Commissioner of Insurance, we will pay you in accordance with the appraisal and allow you to select a repair shop of your choice. If you choose not to have your auto repaired, or if we do not receive your Repair Certification Form, or, when requested, you do not make your auto available for reinspection within a reasonable period of time following repair, our payments automatically reduce the actual cash value of your auto if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. If you choose not to accept payment under our direct payment plan or we do not have such a plan, and you have your auto repaired in accordance with the appraisal, you must send us a Completed Work Claim Form. We must pay you within 7 days after receiving the form. If we fail to pay you within 7 days after receipt of the Completed Work Claim Form, you have the right to sue us. If a court decides that we were unreasonable in refusing to pay you on time, you are entitled to double the amount of damage plus costs and reasonable attorneys fees. If you request us to, we will pay the repair shop directly; however, the repair shop must certify that it meets certain requirements. If you choose not to have your auto repaired, or if we do not receive your Completed Work Claim Form, we will determine the amount of decrease in the actual cash value of your auto and pay you that amount less your deductible. Our payment automatically reduces the actual cash value of your auto if you have further claims. If you later give us proof of proper repair, the actual cash value will be increased. We have a right to inspect all repairs. Sometimes there may be a disagreement as to the amount of money we owe for losses or damage to an auto. If so, Massachusetts law provides for a method of settling the disagreement. Either you or we can, within 60 days after you file your proof of loss, demand in writing that appraisers be selected. The appraisers must then follow a procedure set by law to establish the amount of damage. Their decision will be binding on you and us. You and we must share the cost of the appraisal. 12. Sales Tax Under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) we will pay, subject to your deductible, all sales taxes applicable to the loss of an auto or damage to an auto. 13. Secured Lenders When your Coverage Selections Page shows that a lender has a secured interest in your auto, we will make payments under Collision, Limited Collision and Comprehensive (Parts 7, 8 and 9) according to the legal interests of each party. The secured lender s right of payment will not be invalidated by your acts or neglect except that we will not pay if the loss of or damage to your auto is the result of conversion, embezzlement, or secretion by you or any household member.

247 A-30-MA (04-12) Page 20 of 23 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED) Also, we will not pay the secured lender if the loss of or damage to your auto is the result of arson, theft or any other means of disposal committed by you or at your direction. When we pay any secured lender we shall, to the extent of our payment, have the right to exercise any of the secured lender s legal rights of recovery. If you do not file a proof of loss as provided in this policy, the secured lender must do so within 30 days after the loss or damage becomes known to the secured lender. In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must be sent to the secured lender as provided in this policy. 14. No Benefits To Anyone In The Auto Business Coverage under Optional Bodily Injury To Others, Medical Payments, Collision, Limited Collision, Comprehensive and Bodily Injury Caused By An Underinsured Auto (Parts 5, 6, 7, 8, 9, and 12) shall not in any way benefit any person or organization having possession of your auto for the purpose of servicing, repairing, parking, storing, or transporting it or for any similar purpose. 15. If Two Or More Autos Are Insured Under This Policy Two or more autos may be insured under this policy. There may be different limits for each auto. If so, when someone covered under this policy is injured while a pedestrian, or is using an auto other than your auto at the time of the accident, the most we will pay under any applicable Part is the highest limit shown for that Part for any one auto on your Coverage Selections Page. 16. Trailers When a trailer is attached to an auto, we consider the auto and trailer together to be one auto in applying the limits shown on the Coverage Selections Page under Bodily Injury To Others, Damage To Someone Else s Property and Optional Bodily Injury To Others (Parts 1, 4 and 5). 17. Premiums For Extensions Or Renewals The premium we will charge for any extension or renewal of this policy will be in accordance with our rates and rules in effect at the time of the effective date of the extension or renewal. 18. False Information If you or someone on your behalf gives us false, deceptive, misleading or incomplete information in any application or policy change request and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts of this policy. Such information includes the description and the place of garaging of the vehicles to be insured, the names of all household members and customary operators required to be listed and the answers given for all listed operators. We may also limit our payments to those amounts that we are required to sell under Part 3 and Part 4 of this policy. 19. Changes Which Affect Premium If the information contained in your application changes before this policy expires, we have the right to adjust your premium to reflect such changes. You must inform us of any changes which may have a material effect on your insurance coverage or premium charges, including but not limited to the description, ownership, type of usage and place of garaging of your auto; and the household members and individuals who customarily operate your auto. 20. Pre-Insurance Inspection Massachusetts law requires that we inspect certain motor vehicles before providing coverage for Collision, Limited Collision, or Comprehensive (Parts 7, 8 or 9). The required inspection of your auto may be deferred in some cases for ten calendar days (not including legal holidays and Sundays), following the effective date of coverage, or the date on which the state approved Form B/pre-insurance inspection form was mailed, whichever is later. If you do not have your auto inspected within the time allowed, coverage for that auto will be automatically suspended. Your premium will be adjusted if the suspension lasts for more than ten days. 21. Assignment With respect to Collision (Part 7), Limited Collision (Part 8), and Comprehensive (Part 9) an assignment of interest under this policy will not bind us without our consent. Any nonconforming assignment shall be void and invalid. Moreover, the assignee shall acquire no rights under this contract and we shall not recognize any such assignment. This limitation upon assignment shall not affect our right to subrogation under this contract. 22. CHOICE OF LAW The policy and any amendment(s) and endorsement(s) are to be interpreted pursuant to the laws of the state of Massachusetts. 23. ARBITRATION (Parts 1, 2, 4, 5, 6, 10, 11) Under Parts 1, 2, 4, 5, 6, 10, and 11, if any person making claim and we do not agree that such person is legally entitled to recover damages, or the amount of payment, then the person making claim and we may elect by mutual agreement at the time of the dispute to settle the matter by arbitration. Arbitration pursuant to this contract

248 * * A-30-MA (04-12) Page 21 of 23 GENERAL PROVISIONS AND EXCLUSIONS (CONTINUED) under Parts 1, 2, 4, 5, 6, 10, and 11 shall be subject to the following: 1. Each party will select an arbitrator and the two arbitrators so named will select a third arbitrator. Each party shall pay its own arbitrator, attorney fees, costs of arbitration, fees of experts and 50% of the third arbitrator s fees to the extent allowed by law. 2. No arbitrator shall have the authority to award punitive damages or attorney s fees; 3. Neither of the parties shall be entitled to arbitrate any claims or disputes in a representative capacity or as a member of a class; and 4. No arbitrator shall have the authority, without the mutual consent of the parties, to consolidate claims or disputes in arbitration. If such arbitrators are not selected within 45 days of such request, either party may request that the matter be submitted for arbitration to the American Arbitration Association. Judgment upon the award rendered by the arbitrators may be entered in any court having jurisdiction thereof. Unless both parties agree otherwise, arbitration will take place in the county and state in which the person making claim lives. CANCELLATION AND RENEWAL CANCELLATION Cancellation of this policy is something you should ordinarily have no reason to worry about. You can cancel any of the Optional Insurance Parts at any time. Because all of the Compulsory Insurance Parts are required, you cannot cancel any of them separately. You can, of course, cancel all of the Compulsory Insurance Parts by giving us written notice. We can cancel all of any part of this policy including your Compulsory Insurance if: 1. You have not paid your premium on this policy; 2. We find that you were responsible for fraud or material misrepresentation when you applied for this policy or any extension or renewal of it; or 3. There is a suspension or revocation during the policy period of the operator s license or motor vehicle registration of you or any other person residing in the same household as you and who usually operates a motor vehicle insured under the policy. 4. You fail to comply with a request for a motor vehicle safety inspection test for a vehicle that was previously totaled in a prior accident; 5. You fail to complete and furnish us with a renewal application on a form prescribed by the Commissioner at least 30 days before the expiration of the previous policy period. If the driver s license or auto registration of anyone residing in your household who usually operates your auto has been under suspension or revocation during the policy period, we may suspend coverage for that person under any of the Optional Insurance Parts of the policy. We may also reduce the limits available for that person under Bodily Injury Caused By An Uninsured Auto and Damage To Someone Else s Property (Parts 3 and 4) to the minimum limits we are required to sell. We can cancel Emergency Road Service (Part 11) for reasons other than those listed above if we do so within the first 90 days of the policy period. We can cancel, for reasons other than those listed above if we do so within the first 90 days of the policy period, coverage limits which are higher than the limits we are required by law to sell you and any coverages designed to reduce the deductibles set by law. AUTOMATIC TERMINATION Massachusetts law provides that your policy automatically terminates and a Notice of Cancellation will not be sent to you when: 1. You return the registration plates for your auto to the Registry of Motor Vehicles. 2. You purchase a new policy with another company covering your auto and a new Certificate of Insurance is filed with the Registry of Motor Vehicles. 3. You transfer title to your auto, and you do not register another auto. However, if more than one auto is described on the Coverage Selections Page, the termination of coverage applies only to the auto involved in any of the situations described above. LEGAL NOTICE REQUIREMENT Any notice of cancellation will be sent to you at your last address shown on the Coverage Selections Page at least 20 days prior to the effective date. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service will be considered sufficient notice. In order for us to cancel the rights of any secured lender shown on the Coverage Selections Page, a notice of cancellation must also be sent to the secured lender in a similar manner. If we cancel this policy in its entirety, the cancellation is not effective unless we send the required notice to the Registry of Motor Vehicles.

249 CANCELLATION AND RENEWAL (CONTINUED) If the policy is cancelled, the amount of your refund will be determined by a pro-rata calculation based on the number of days the policy was in effect. No refund of premium will be sent to you upon cancellation of the policy until we receive a receipt showing that the registration plates assigned to the insured motor vehicle have been returned to the Registry of Motor Vehicles or other document showing that you have replaced the insurance required by law. If you think that we have cancelled your policy illegally, you can appeal our decision. Your cancellation notice will explain how to appeal. RENEWAL If we decide not to renew this policy or any of its Parts, we must mail our notice to you at your last address shown on the Coverage Selections Page at least 45 days before your policy runs out. A notice sent by regular mail for which a certificate of mailing receipt has been obtained from the United States Postal Service will be considered sufficient notice. If we require a renewal application, and you fail to complete and return it to us within the specified time, we then have the right to cancel the renewal policy. WHEN THERE IS AN ACCIDENT OR LOSS First, Help Any Injured Person Call an ambulance or the police and, of course, cooperate with them. Do whatever is reasonable to protect the automobile from further damage or loss. We will pay for any reasonable expenses incurred in doing this. Second, Notify the Police, Registry Or Fire Department Under Massachusetts law, notice to the local or state police and the Registry of Motor Vehicles is required within 5 days if there is anyone injured in an accident, no matter how slight the injury, or if there is reason to believe that there has been over $1,000 in total property damage. Within 24 hours, notify both the police and us if your auto is stolen or if you have been involved in a hit-and-run accident. You must report a fire loss to the fire department. The notice to the police or the fire department must be on the form required by law. Third, File The Claim With Us We do not know about accidents or losses until you or someone else notifies us. We must be notified promptly of the accident or loss by you or someone on your behalf. The notification should include as many details as possible, including names and addresses of drivers, injured persons and witnesses. If you or any person seeking payment under this policy fail to notify us promptly of any accident or claim under Parts 2, 3, 6, or 12 of this policy, we may not be required to pay claims under any of these parts. If you are filing a claim for damage to your auto, you or someone on your behalf must file a proof of loss within 91 days after the accident. Fourth, Cooperate With Us After an accident or loss, you or anyone else covered under this policy must cooperate with us in the investigation, settlement and defense of any claim or lawsuit. We must be sent copies of all legal documents in connection with the accident or loss. We may also require you and any person seeking payment under any part of this policy to submit to an examination under oath at a place designated by us, within a reasonable time after we are notified of the claim. If anyone makes a claim or seeks payment under Personal Injury Protection, Bodily Injury Caused By An Uninsured Auto, Medical Payments, or Bodily Injury Caused By An Underinsured Auto (Parts 2, 3, 6 or 12), we have a right to require that person to be examined by doctors selected by us. If anyone seeks continuing payments under any of these Parts, we may also require additional examinations at reasonable intervals. We will pay for these examinations. We must also be authorized to obtain medical reports and other records pertinent to the claim. Failure to cooperate with us may result in the denial of the claim. A-30-MA (04-12) Page 22 of 23

250 W. C. E. Robinson O. M. Nicely Secretary President Remember: Defensive Driving Can Save Your Life And Your Money * * A-30-MA (04-12) Page 23 of 23

251

252 Tel: Declarations Page This is a description of your coverage. Please retain for your records. Date Issued: Policy Number: Coverage Period: through 12:01 a.m.local time at the address of the named insured. Address: Insured Additional Drivers Vehicle VIN Rated Location Finance Company/ Lienholder Coverages* Limits and/or Deductibles Vehicle 1 Total Month Premium *Coverage applies where a premium or $0.00 is shown for a vehicle. If you elect to pay your premium in installments, you may be subject to an additional fee for each installment. The fee amount will be shown on your billing statements and is subject to change. Discounts The total value of your discounts is Contract Type: T-X Continued on Back DEC_PAGE (10-09) (Page 1 of 2)

253 Contract Amendments: Unit Endorsements: Important Policy Information DEC_PAGE (10-09) (Page 2 of 2) Page 4 of 20

254 Named Insured (Operator 1) APPLICATION FOR MASSACHUSETTS AUTO INSURANCE First Name Last Name MI Date of Birth Marital Status Gender Date 1st licensed in US or Canada International driving experience must be verified with an original abstract, with a notarized translation into Date 1st internationally licensed English and a Copy of the license Driver License/Learner s Permit State and Number How many total years have you owned and operated a street legal motorcycle? Have you completed a Motorcycle Safety Foundation Course? Do you teach the Motorcycle Safety Foundation Course? Street Address If you have had a license in another state in the last 6 years please list in the additional information section below Do you have an active motorcycle endorsement? Is your current auto license active? If "yes" what is the expiration date of MSF instructor certificate. Phone Number ( ) - City State ZIP Code Operator 2 First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Martial Status Gender Date 1st licensed in US or Canada International driving experience must be verified with an original abstract, with a notarized translation into Date 1st internationally licensed English and a Copy of the license Driver License/ Learner s Permit State and Number How many total years has Operator 2 owned and operated a street legal motorcycle? Has Operator 2 completed a Motorcycle Safety Foundation Course? If you have had a license in another state in the last 6 years please list in the additional information section below Do you have an active motorcycle endorsement? Is your current auto license active? Does Operator 2 teach the Motorcycle Safety Foundation Course? Operator 3 If "yes" what is the expiration date of MSF instructor certificate. First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Martial Status Gender Date 1st licensed in US or Canada International driving experience must be verified with an original abstract, with a notarized translation into Date 1st internationally licensed English and a Copy of the license Driver License/ Learner s Permit State and Number How many total years has Operator 3 owned and operated a street legal motorcycle? Has Operator 3 completed a Motorcycle Safety Foundation Course? Does Operator 3 teach the Motorcycle Safety Foundation Course? If you have had a license in another state in the last 6 years please list in the additional information section below Do you have an active motorcycle endorsement? Is your current auto license active? If "yes" what is the expiration date of MSF instructor certificate. DP5MA (04-14) Page 1 of 5 Retention #:

255 Operator 4 First Name Last Name MI Date of Birth Relationship to Named Insured Co-insured (circle one) Y / N Martial Status Gender Date 1st licensed in US or Canada International driving experience must be verified with an original abstract, with a notarized translation into Date 1st internationally licensed English and a Copy of the license Driver License/ Learner s Permit State and Number How many total years has Operator 2 owned and operated a street legal motorcycle? Has Operator 4 completed a Motorcycle Safety Foundation Course? Does Operator 4 teach the Motorcycle Safety Foundation Course? Do you have an active motorcycle endorsement? If you have had a license in another state in the last 6 years please list in the additional information section below Is your current auto license active? If "yes" what is the expiration date of MSF instructor certificate. Check carefully that all operators of your vehicle(s) are shown. Your failure to list any individual who customarily operates our vehicle may have very serious consequences. Please List any additional operators in the additional information section. Vehicle 1 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Vehicle 2 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Vehicle 3 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State DP5MA (04-14) Page 2 of 5 Retention #:

256 Vehicle 4 Year Make Model VIN Is the vehicle leased or financed? Type of alarm (circle all that apply) a) Active (operator sets it) b) Passive (sets automatically) c) Vehicle Recovery System d) Non-passive (wheel locks, wheel chains, locking motorcycle cover) Is the vehicle customized? If "yes" description and value Do you want additional coverage for these customizations? (first $2,000 included) Will this vehicle be used for business? If "yes" Describe how Registered Owner and State Please include any additional vehicles in the additional information section Operator to vehicle assignment Please assign an operator number to the vehicle that they drive most often Vehicle 1 Vehicle 2 Vehicle 3 Vehicle 4 Operator Number If any vehicle is not kept at the address above please indicate the address where it is garaged in the additional information section. Accidents within the last 6 years Operator Number Loss Date At-fault? (Y/N) Violation Given? (Y/N) Vehicle Type (motorcycle, private passenger, other) Total Damage Other s Injury $ $ $ $ $ $ $ $ $ $ Convictions in the last 6 years, DUIs in the last 10 years Operator Number Date of Violation Date of Conviction Description Please include any additional accidents, convictions or DUIs in the additional information section Current Insurance Do you currently have motorcycle insurance? Company and expirations date? If you answered "no" above circle which applies: a) It has been expired 30 days or less b) It has been expired over 30 days c) This is the first motorcycle I ve owned d) I ve owned a motorcycle previously and am starting to ride again Discounts Do you have any other GEICO policies? If "yes" list DP5MA (04-14) Page 3 of 5 Retention #:

257 Coverage Selections Coverage Limits (M denotes 1000) Compulsory Coverage (circle desired limits) 1. Bodily Injury to Others Limits 2. Personal Injury Protection Limits 20/40 M The minimum coverage in Massachusetts for bodily injury is 20,000/40,000 compulsory. This does not provide protection: 1) if the accident occurs outside of Massachusetts 2) places in Massachusetts restricted from the public 3) for injuries to guest passengers of your auto 8 M Optional Bodily Injury is available and may better cover these exposures 3. Bodily Injury Caused by an Uninsured Auto Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 200/400 M 250/500 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 4. Damage to Someone Else s Property Limits (per accident) 5 M 15 M 25 M 35 M 50 M 100 M 10 M 20 M Optional Coverage (circle desired limits or deductibles) 5. Bodily Injury to Others Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 200/400 M 250/500 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M 6. Medical Payments Limits M 2 M 5 M 10 M 7. Collision Deductible (circle desired amount) Waiver* Vehicle W Vehicle W Vehicle W Vehicle W *The deductible may be waived for losses less than 51% at-fault by circling the "w" for the desired vehicle 8. Limited Collision** Deductible (circle desired amount) Vehicle 1 non Vehicle 2 non Vehicle 3 non Vehicle 4 non **If your vehicle is leased or financed you must carry standard collision. In addition, the vehicle cannot carry Collision and Limited Collision on the same vehicle. DP5MA (04-14) Page 4 of 5 Retention #:

258 9. Comprehensive Deductible (circle desired amount) Vehicle Vehicle Vehicle Vehicle Emergency Road Service Vehicle 1 ACCEPT DECLINE Vehicle 2 ACCEPT DECLINE Vehicle 3 ACCEPT DECLINE Vehicle 4 ACCEPT DECLINE 11. Bodily Injury Caused by an Underinsured Auto Limits (per person/per accident) 20/40 M 25/50 M 35/80 M 100/100 M 100/300 M 200/400 M 250/500 M 20/50 M 25/60 M 50/100 M 100/200 M 300/300 M Additional Information Please use this section to include any information that would not fit above or that you think may be pertinent to your application for insurance. What date would you like your policy to begin? You must notify us of changes that have occurred prior to the renewal of this policy and during the policy period. It is a crime to knowingly provide false or fraudulent information for the purpose of defrauding an insurance company. If you or someone else on your behalf has knowingly given us false, deceptive, misleading or incomplete information and if such false, deceptive, misleading or incomplete information increases our risk of loss, we may refuse to pay claims under any or all of the Optional Insurance Parts and we may cancel your policy. Such information includes the description and the place of garaging of the vehicles(s) to be insured, the names of all customary operators are required to be listed and the answers have correctly given above for all listed operators. We may also limit our payments under Part 3 and Part 4. Check to make certain that you have correctly listed all operators and the completeness of their previous driving records. IMPORTANT NOTICE ABOUT PERSONAL INJURY PROTECTION: THE COVERAGE PROVIDED DOES NOT INCLUDE PERSONAL INJURY PROTECTION FOR OWNERS, OPERATORS OR GUESTS OF MOTORCYCLES WHO SUFFER BODILY INJURY WHILE OPERATING OR RIDING AS A GUEST UPON SUCH VEHICLES. Declarations and Signature I DECLARE THAT ALL THE STATEMENTS CONTAINED IN THIS APPLICATION ARE COMPLETE AND TRUE TO THE BEST OF MY KNOWLEDGE. I UNDERSTAND THAT ALL INFORMATION MAY BE VERIFIED WITH OTHER INSURANCE COMPANIES AND GOVERNMENT AGENCIES. Signature of applicant Date DP5MA (04-14) Page 5 of 5 Retention #:

259 GEICO DRIVER LICENSE INFORMATION IMPORTANT - PLEASE RETURN THIS FORM We, like most other insurers, customarily check the motor vehicle records of drivers to verify their accident and violation records. We ask that you complete the driver information below and return it to us. NAMED DRIVER UNDER THIS POLICY (Name as it appears on Driver s License) DATE OF BIRTH DRIVER S LICENSE # STATE OF ISSUANCE DATE OF ISSUANCE Signature of Applicant or Insured Date Policy No.: * * *M240MA* M-240-MA (05-09)

260

261 Policy Number: Automobile Policy Amendment Motorcycle Coverage This amendment is part of the GEICO automobile insurance policy. All of the provisions of the GEICO automobile insurance policy apply except as noted. DEFINITIONS The definitions of the Massachusetts GEICO automobile insurance policy apply to this amendment, except for the following definition of your auto which is revised as follows: Your auto means: A. The vehicle or vehicles described on the Coverage Selections Page. B. Any auto while used as a temporary substitute for the described auto, with the permission of the owner, while the described auto is out of normal use because of a breakdown, repair, servicing, loss or destruction. The term your auto does not include a substitute vehicle owned by you or your spouse. C. A private passenger auto, trailer, motorcycle, pick-up truck, van or similar vehicle, to which you take title or lease as a permanent replacement for a described auto or as an additional auto. We provide coverage for an additional auto only if you ask us to insure it within seven days after you take title or the effective date of the lease. If a replacement or additional auto is a pick-up truck, van or similar vehicle, it must not be used for the delivery or transportation of goods or materials unless such use is incidental to your business of installing, maintaining or repairing furnishings or equipment. Under Parts 1, 2, 3, 4, 5 and 6 the term your auto also includes any trailer not described on the Coverage Selections Page as covered under those Parts. D. An Off-road vehicle described on the Coverage Selections Page for which a premium charge is shown under Parts 1,3,4,5,6,7,8,9 and 12. The definitions for off-road vehicle, all-terrain vehicle, dirt bike, and electric personal assistive mobility device are added as follows: Off-road vehicle means an all-terrain vehicle, dirt bike, or EPAMD. All-terrain vehicle means a self-propelled motorized vehicle formatted with four wheels or six wheels, with open-air driver s seating manufactured for sale for recreational or utilitarian use off-road or along designated trails and various unimproved terrain and only incidentally operated on public highways. Dirt bike means a land motor vehicle designed principally for operation off public roads that has two wheels with completely open-air driver s seating and a motorcycle hand gripped steering device. Electric Personal Assistive Mobility Device (EPAMD) means a self-balancing personal transportation device with two wheels. COMPULSORY INSURANCE Part 2. Personal Injury Protection, the following statement is added: IMPORTANT NOTICE ABOUT PERSONAL INJURY PROTECTION: THE COVERAGE PROVIDED DOES NOT INCLUDE PERSONAL INJURY PROTECTION FOR OWNERS, OPERATORS OR GUESTS OF MOTORCYCLES WHO SUFFER BODILY INJURY WHILE OPERATING OR RIDING AS A GUEST UPON SUCH VEHICLES. OPTIONAL INSURANCE The definition of custom parts or equipment is revised as follows: Custom parts or equipment means equipment, devices, enhancements and changes, other than those which are original manufacturer installed, which are permanently installed or attached, or alter the appearance or performance of your auto. This includes, but is not limited to: (a) Non-Stock sidecars; (b) Trike conversion kits; (c) Paint; MC54MA (04-14) Page 1 of 2 Policy Number:

262 (d) Electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or to play back recorded media. Under We will not pay under the Optional coverages: item 2. Is revised as follows: 2. For loss to custom parts or equipment, in excess of $2000, unless the existence of those custom parts or equipment has been previously reported to us and an endorsement to the policy has been added. PART 10 RENTAL REIMBURSEMENT SUBSTITUTE TRANSPORTATION Part 10- Rental Reimbursement Substitute Transportation of the GEICO automobile insurance policy is removed in its entirety. We affirm this amendment. W. C. E. Robinson Secretary William E. Roberts President MC54MA (04-14) Page 2 of 2 Policy Number:

263 GEICO Policy Number: Effective Date: Automobile Policy Endorsement USE RESTRICTION - PREMIUM REDUCTION ENDORSEMENT The Policy Number and Effective Date need be completed only when this endorsement is issued subsequent to preparation of the policy. We agree with you that if: 1. the motor vehicle is placed in storage for a period of more than 30 days, and 2. you do not use or give your permission for any other person to use the motor vehicle, except for maintenance and testing of the motor vehicle at the place of storage, the premiums, except for Comprehensive, will be reduced after removal of this endorsement. Removal of this endorsement can be effective immediately upon your notification to us. You will then be entitled to an adjustment of premium based on the period of storage. Premium reduction will not discount the policy beyond the applicable minimum premium amount. If there is an occurrence during the period this endorsement is in effect which violates condition 2. above, you will not be entitled to the reduction in premium. This endorsement forms a part of your policy. It is effective at 12:01 A.M. standard time at your address on the effective date shown above. PS115C (04-14)

264 GEICO Automobile Policy Endorsement Motorcycle Custom Parts or Equipment Policy Number: Endorsement Effective Date: (The information above is required only when this endorsement is prepared after the policy is issued.) We agree that: (a) in consideration of the payment of additional premium; and (b) subject to the deductibles and limits of liability shown in the Declarations for the coverages insured this policy is extended to cover custom parts or equipment that are permanently added to or replace standard factory provided parts or equipment of your auto in excess of $2000. Any loss paid shall be based on the actual cash value at the time of the loss. We will not pay an amount greater than the limit shown in the Declarations. Description of Motorcycle: All other terms and provisions of the policy remain unchanged. This endorsement forms a part of the above captioned policy issued by the Company. It is effective as of 12:01 A.M. Standard Time on the effective date of the endorsement. PS18E (04-14)

265 GEICO geico.com 300 Crosspoint Parkway, Getzville, NY NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM As of 12:01 a.m. local time your policy will cancel due to nonpayment of your premium. Keep your policy active by submitting a payment of the past-due amount prior to the cancellation effective date. The policy will not be cancelled if you pay the full past-due amount before the cancellation date. All payments are subject to normal collection and will be applied to the oldest debt on the policy. Note: A partial payment will not void this cancellation notice. Please submit a payment immediately to prevent the cancellation of your policy. Pay now using one of these methods: * Log in to mypolicy.geico.com -- the fastest and easiest way to maintain coverage and avoid a lapse in your insurance protection. * Call to use our automated PhonePay system. Have your checking account information handy. * Mail your payment. It must be postmarked before the cancellation date to avoid a lapse. Checks should be made payable to GEICO. If your payment and this notice have crossed in the mail, please disregard this notice and accept our thanks. If you have not sent in your payment, please do so now. You may also track the status of your payment(s) at any time on mypolicy.geico.com. Remember -- Your payment must be made by the above mentioned date and time to ensure continuous coverage. Thank you for your business. We look forward to continuing to serve your insurance needs for years to come. Pol. #: Pol. #: Please detach and return the bottom portion with your payment made payable to GEICO in the enclosed envelope. NOTICE OF CANCELLATION FOR NONPAYMENT OF PREMIUM Notice Date: Canc. Date: Current Balance Premium Amount Past Due ONE GEICO PLAZA Bethesda, MD U-44-MA-DP (05-09)

266 IMPORTANT NOTICE TO POLICYHOLDERS: Please read carefully the information below which outlines your legal rights relative to this cancellation. INFORMATION ABOUT MINIMUM INSURANCE REQUIREMENTS Massachusetts law requires that every motor vehicle registered in Massachusetts carry minimum motor vehicle liability insurance. The Registrar of Motor Vehicles will revoke your registration and license plates on the effective date of cancellation shown in this notice unless: 1. We reinstate your required minimum motor vehicle insurance; or 2. Before the date of cancellation shown in this notice you obtain minimum motor vehicle insurance from another insurance company. The new company must notify the Registrar before the date of cancellation in this notice that it has insured your motor vehicle. If you are unable to obtain motor vehicle insurance from another insurance company, you may be eligible to obtain motor vehicle insurance through the Massachusetts residual market plan. Almost all insurance agents and all insurance companies are authorized to help you apply for motor vehicle insurance through the plan. If you apply for motor vehicle insurance through the plan, you will not be able to choose an insurer, but you will be assigned to an insurance company. In some cases, you may not be able to obtain coverage through the plan that is identical to the coverage that was not renewed; or 3. Before the effective date of the cancellation shown in this notice you file with the Commissioner of Insurance a written complaint on a form prescribed and furnished by the Commissioner of Insurance. The form is available on the Division of Insurance website by searching "Cancellation Appeal Form" at or can be obtained by calling the Division's Consumer Service Section at Unless one of the three above actions occurs, the registration for your motor vehicle will be revoked on the effective date of cancellation shown in this notice. U-44-MA-DP (05-09)

267 Certificate of Insurance Named Insured and Address: Date of Certificate: Policy Number: Policy Period: to (12:01 A.M. Local Time) (12:01 A.M. Local Time) Name and Address: (This Certificate of Insurance does not amend, extend, or alter the coverage afforded by this policy.) During the term of coverages provided, the Company and the insured shall be bound by the provisions of the policy (or policies) f insurance o in current use by the Company in the state. This is to certify that the above captioned policy includes the limits specified herein for each person and for each occurrence under Bodily Injury To Others (Part 1); the limits specified herein for each person and for each occurrence under Optional Bodily Injury to Others (Part 5);the limits specified herein for each occurrence under Damage To Someone Else s Property (Part 4); and limits specified herein for each person and for each occurrence for Bodily Injury Caused By An Uninsured Auto (Part 3). Description of Vehicle: COVERAGE Bodily Injury To Others (Part 1) Personal Injury Protection (Part 2) Optional Bodily Injury To Others (Part 5) Damage To Someone Else s Property (Part 4) Bodily Injury Caused By An Uninsured Auto (Part 3) LIMITS OF COVERAGE $ 20 M and $ 40 M (Each Person) $8,000 Each Person $ M and $ M (Each Person) $ (Each Occurrence) $ M and $ M (Each Occurrence) (Each Occurrence) (Each Person) (Each Occurrence) INTERESTED PARTY If we cancel this policy, a notice of cancellation will be sent to the Interested Party. * * U-99-MA (05-09)

268

269 Policy Number: Effective Date: Automobile Policy Amendment Suspension Of Coverage Massachusetts The Policy Number and Effective Date need be completed only when this endorsement is issued subsequent to preparation of the policy. It is agreed that, as of the effective date, this policy is suspended for the coverages and vehicles indicated by (X) in the Schedule below: SCHEDULE Coverage All Insured Vehicles Vehicles Designated Below Bodily Injury To Others ( ) ( ) Optional Bodily Injury To Others ( ) ( ) Personal Injury Protection ( ) ( ) Bodily Injury Caused By An Uninsured Auto ( ) ( ) Bodily Injury Caused By An Underinsured Auto ( ) ( ) Damage To Some Else s Property ( ) ( ) Medical Payments ( ) ( ) Collision ( ) ( ) Limited Collision ( ) ( ) Comprehensive ( ) ( ) Emergency Road Service ( ) ( ) Designation of Vehicles: This endorsement forms a part of your policy and is effective at 12:01 A.M. local time at your address on the effective date shown above. UE11MA (04-14)

270 Policy Number: Effective Date: Automobile Policy Amendment Reinstatement Of Coverage Massachusetts The Policy Number and Effective Date need be completed only when this endorsement is issued subsequent to preparation of the policy. It is agreed that suspended coverages are reinstated as indicated by (X) in the Schedule below: SCHEDULE Coverage All Insured Vehicles Vehicles Designated Below Bodily Injury To Others ( ) ( ) Optional Bodily Injury To Others ( ) ( ) Personal Injury Protection ( ) ( ) Bodily Injury Caused By An Uninsured Auto ( ) ( ) Bodily Injury Caused By An Underinsured Auto ( ) ( ) Damage To Some Else s Property ( ) ( ) Medical Payments ( ) ( ) Collision ( ) ( ) Limited Collision ( ) ( ) Comprehensive ( ) ( ) Emergency Road Service ( ) ( ) Designation of Vehicles: This endorsement forms a part of your policy. It is effective at 12:01 A.M. local time at your address on the effective date shown above. UE12MA (04-14)

271 GEICO Policy Number: Automobile Policy Endorsement Suspension of Coverage and Reduction of Limits Massachusetts (MPY-0032-S Ed ) If the driver s license or auto registration for you or anyone residing in your household who usually operates your auto has been under suspension or revocation during the policy period, or the driver s license is not valid, the coverage provided under any of the Optional Insurance Parts of the policy which you have purchased, is suspended while that person is operating any auto. We are also reducing the limits available for that person under Bodily Injury Caused By An Uninsured Auto (Part 3) and Damage to Someone Else s Property (Part 4) to the minimum limits we are required to sell. This endorsement is effective This endorsement will remain in effect while the person s driver s license or auto registration is under suspension or revocation, or the driver s license is not valid. NAME of individual whose driver s license or auto registration is under suspension or revocation, or who does not have a valid license (Policyholder s Signature) (Date) [The company has the option of obtaining the signature of the policyholder on this endorsement or sending this endorsement at least 20 days prior to the effective date of the suspension of coverage.] * * UE-147 (05-09)

272

273 GEICO Policy Number: Automobile Policy Endorsement Trust Endorsement Massachusetts (M-0107-S Ed. January 1, 2006) Item 2 of the Definitions includes the trust listed below if the grantor of the trust is an individual or lawfully married individuals residing in the same household, and is the only insured named in Item 1 of the Coverage Selections Page. Name of Trust * * UE-164 (05-09)

274

275 GEICO Policy Number: Automobile Policy Endorsement Waiver of Deductible Massachusetts (MPY-0016-S Ed ) The deductible amount shown on the Coverage Selections Page for Collision (Part 7) does not apply to any auto to which this endorsement applies as shown on the Coverage Selections Page if: 1. The auto was legally parked when struck by another auto owned by an identified person. 2. The auto was struck in the rear by another auto moving in the same direction and owned by an identified person. 3. The operator of the other auto was convicted of any of the following violations: a. Operating under the influence of alcohol, marijuana, or a narcotic drug. b. Driving the wrong way on a one-way street. c. Operating at an excessive rate of speed. d. Any similar violation of any similar law of another state in which the accident occurs. However, we will not pay if the operator of the auto covered under this Part was also convicted of one of the above violations. 4. You are entitled to recover in court against an identified person for some reason other than those listed above. Description of Auto(s) Premium: * * UE-165 (05-09)

276

277 GEICO Policy Number: Effective Date: Automobile Policy Amendment Loss Payable Clause Massachusetts Any loss or claim payable under the Collision, Limited Collision, or Comprehensive Coverage of the policy will be paid jointly to the insured and the Lienholder on the Coverage Selections Page. The Lienholder must notify us if he becomes aware of any increased hazard or change of ownership of the auto or he will lose all of his rights under this policy. The Loss Payee or Lienholder s interest will not be protected when a loss is caused by the insured s participation in or preparing for any prearranged or organized racing, speed, or demolition contest or stunting activity. Where fraud, misrepresentation, material omission, or intentional damage has knowingly been committed by or at the direction of an insured, the Loss Payee or Lienholder s interest will not be protected. If the insured fails to file with us a Proof of Loss within 91 days after the loss, the Lienholder must do so within the following 30 days. The policy provisions on time of payment, appraisal and the right to sue us applies both to the Lienholder and the insured. We may settle a claim at our option by separate payment to the insured and the Lienholder. If the vehicle(s) described on the Coverage Selections Page is abandoned or repossessed by the Loss Payee or Lienholder after a loss covered under the Physical Damage Coverages, the deductible applicable to any payment to the Loss Payee or Lienholder for its interest shall be no more than $500. Whenever we pay the Lienholder, we shall be subrogated to the Lienholder s rights of recovery to the extent of the payment. If the policy is in effect as to the Lienholder but has been cancelled as to the insured, the Lienholder must assign the loan to us if we ask and we pay the full amount due. If we cancel this policy, a notice of cancellation will be sent to the Lienholder. This endorsement forms a part of your policy. It is effective at 12:01 A.M. local time at your address on the effective date shown above. RETAIN THIS COPY FOR YOUR RECORDS UE-316-D (05-09)

278 POST OFFICE RECEIPT SECURED [maildate] [fullname] [mailingadd] Policy Number: [number] Company: [cmpny] Dear [salutation]: Your financial institution has not honored the payment that you recently submitted to reissue your Automobile policy. All payments are subject to normal collection. Since your payment was not honored, there was no consideration (valid payment) and the requirements under which your insurance policy was issued were not satisfied. Accordingly, you are hereby notified: WE HEREBY DECLARE THE ABOVE CAPTIONED POLICY NULL AND VOID, AND OF NO EFFECT AS OF ITS INCEPTION DATE. NO INSURANCE COVERAGE IS NOW IN EFFECT, NOR HAS IT EVER BEEN IN EFFECT. Any subsequent payment which you may have submitted, prior to or after this letter, will be refunded. Sincerely, [uwname] Underwriting Department [encl] VUND62MA (12-13)

279 GEICO INDEMNITY - MOTORCYCLE Territories & Territory Groups MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Territory Territory Group Page 1

280 GEICO INDEMNITY - MOTORCYCLE Base Rates MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Territory Group BI PD Med Pay PIP UM UIM COMP COLL LTD COLL ERS Limit/Ded 20/40 5M 500 8M 20/40 20/ Page 2

281 GEICO INDEMNITY - MOTORCYCLE Underwriting Program MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Underwriting Factor Tier Page 3

282 GEICO INDEMNITY - MOTORCYCLE Driving Experience Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists *** OOR = Minimum Years a Motorcycle has been Owned, Operated, and Registered. BI PD MP PIP *COLL COMP **UM ***OOR Auto Years Licensed Page 4

283 GEICO INDEMNITY - MOTORCYCLE Increased Limits and Deductibles MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Full Name Amount Factor Bodily Injury 20/40 Compulsory /40 Optional / / / / / / / / / / / Property Damage 5M M M M M M M M 1.32 Medical Payments M M M M 7.50 PIP Non-Deductible 1.00 Uninsured Motorists 20/ / / / / / / / / / / / Underinsured Motorists 20/ / / / / / / / / / / / Comprehensive M 0.68 Collision M /W /W /W /W /W /W /W M/W 0.61 Limited Collision M 0.53 Page 5

284 GEICO INDEMNITY - MOTORCYCLE Vehicle Category MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Vehicle Category Vehicle Category Name Coverage Code BI PD Med Pay **UM COMP *COLL 0 High Perf B, cc High Perf B, cc High Perf B, cc High Perf B, 951+ cc Utility ATV, cc Utility ATV, 370+ cc Sport ATV, all cc sizes Custom 2, all cc sizes Harley Tour A, all cc sizes A Harley Tour B, all cc sizes B Harley Cruisers, cc C Harley Cruisers, cc D Harley Cruisers, cc E Harley Sportsters, cc F Harley Sportsters, 951+ cc G Tour, Non-Harley, cc H Tour, Non-Harley, cc I Sport Tour, all cc sizes J Cruisers, Non-Harley, cc K Cruisers, Non-Harley, cc L Cruisers, Non-Harley, cc M Cruisers, Non-Harley, cc N Regular, cc O Regular, cc P Regular, cc Q Regular, cc R Regular, cc S Regular, 951+ cc T Custom 1, all cc sizes U Sport A, cc V Sport A, 751+ cc W Sport B, all cc sizes X High Perf A, cc Y High Perf A, cc Z High Perf A, 851+ cc Page 6

285 GEICO INDEMNITY - MOTORCYCLE Vehicle Age Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 Vehicle Age Group Coverage Name COMP *COLL * Limited Collision uses same factors as Collision Page 7

286 GEICO INDEMNITY - MOTORCYCLE CC Displacement Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 *These factors are used in the calculation of the accessory coverage. CC Displacement FACTOR Over Page 8

287 GEICO INDEMNITY - MOTORCYCLE Merit Factors MASSACHUSETTS New Business Effective: E 04/10/2014 Renewals Effective : E 04/10/2014 * Limited Collision uses same factors as Collision ** Underinsured Motorists uses same factors as Uninsured Motorists Number of Points Driving Record Sub- Classification Bodily Injury Property Damage *Collision Comprehensive Medical Payments **Uninsured Motorist 0 Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class Sub-Class ***16 Sub-Class *** 0.50 will be added to the 16 Point, Sub-Class 8 factor for every point in excess of 16 Page 9

288 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 04/10/2014 RENEWALS 04/10/2014 RATE GEN 01 Rate Order of Calculations Darkened cells do not apply. OperStep Round BI PD MED PAY PIP UM UIM Base Rate X X X X X X * Underwriting Program/Tier Factor Dime X X X X X X * Driver Experience Factor Dime X X X X X X * Increased Limit Factor Dime X X X X X * Deductible Factor Dime X * Renewal/Transfer Discount Penny X X X X X X * Dual Policy Discount Dime X X X X X X * Multi-Cycle Discount Dime X X X X X X * Defensive Driver Discount Dime * Instructor Discount Dime X X X X X X * Motorcycle Safety Course Discount Dime X X X X X X * 65+ Discount Dime X X X X X X * Excellent Driver Discount Dime X X X X X X * Merit Surcharge Dime X X X X X X * Vehicle Category Factor Dime X X X X X X * Paid in Full Discount Dime X X X X X X + Expense Fee Dime * Term Factor Dime X X X X X X Page 10

289 GEICO INDEMNITY - MOTORCYCLE MASSACHUSETTS RATE PAGES EFFECTIVE: NEW BUSINESS 04/10/2014 RENEWALS 04/10/2014 RATE GEN 01 Rate Order of Calculations Darkened cells do not apply. Oper Step Round COMP COLL LTD COLL ERS Base Rate X X X X * Underwriting Program/Tier Factor Dime X X X X * Driver Experience Factor Dime X X X * Vehicle Category Factor Dime X X X * Vehicle Age Factor Dime X X X + Final Accessory Factor - X X X Base Rate X X X *Underwriting Program Factor Dime X X X *Driver Experience Factor Dime X X X *Vehicle Category Factor Dime X X X /CC Factors Penny X X X *Accessory Coverage Symbol Code Dime X X X * Deductible Factor Dime X X X * Renewal/Transfer Discount Penny X X X * Dual Policy Discount Dime X X X * Multi-Cycle Discount Dime X X X * Anti-Theft Discount Dime X * Defensive Driver Discount Dime * Instructor Discount Dime X X X * Motorcycle Safety Course Discount Dime X X X * 65+ Discount Dime X X X X * Excellent Driver Discount Dime X X X * Merit Surcharge Dime X X X * Paid in Full Discount Dime X X X X + Expense Fee Dime * Term Factor Dime X X X X Page 11

290 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 1. DEFINITION... 3 RULE 2. COVERAGE... 3 RULE 3. DETERMINATION OF RATING TERRITORY - ALL COVERAGE... 3 RULE 4. TERM RULE - POLICY PERIOD... 3 RULE 5. RATES, MINIMUM PREMIUM AND ROUNDING OF PREMIUM... 4 RULE 6. PRIVATE PASSENGER MOTORCYCLE INSTALLMENT PAYMENTS... 4 RULE 7. CANCELLATION AND CHANGES... 5 A. CANCELLATION... 5 B. CHANGES... 5 RULE 8. SERVICE FEES... 5 A. RETURNED CHECKS... 5 B. CERTIFICATE OF FINANCIAL RESPONSIBILITY FILING FEE... 5 RULE 9. RESERVED FOR FUTURE USE... 6 RULE 10. DRIVER EXPERIENCE FACTOR... 6 RULE 11. PRIVATE PASSENGER MOTORCYCLE - LIABILITY AND PHYSICAL DAMAGE CLASSIFICATION... 6 RULE 12. AGE GROUPS FOR COMPREHENSIVE AND COLLISION COVERAGE... 6 RULE 13. RISK TIER... 7 RULE 14. ACCIDENT AND CONVICTION SURCHARGE PLAN... 7 A. EXPERIENCE PERIOD... 7 B. DRIVING RECORD POINTS... 8 C. OTHER POINT SURCHARGES D. SUB-CLASSIFICATIONS RULE 15. VEHICLE CATEGORY RULE 16. ACCESSORY COVERAGE RULE 17. RESERVED FOR FUTURE USE RULE 18. STORAGE RULE 19. TWO OR MORE PRIVATE PASSENGER MOTORCYCLE CREDIT RULE 20. RENEWAL DISCOUNT RULE 21. TRANSFER DISCOUNT RULE DISCOUNT RULE 23. MOTORCYCLE SAFETY COURSE CREDITS A. MOTORCYCLE SAFETY FOUNDATION RIDER EDUCATION PROGRAM, MOTORCYCLE RIDER COURSE OR EXPERIENCED RIDER S COURSE INCLUDING THE MASSACHUSETTS RIDER EDUCATION PROGRAM B. INSTRUCTOR S DISCOUNT C. MILITARY SAFETY COURSE Effective 04/10/2014

291 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 24. DUAL POLICY DISCOUNT RULE 25. ANTI-THEFT DISCOUNT A. ALARM ONLY OR ACTIVE DISABLING DEVICES B. NON-PASSIVE DISABLING DEVICE C. PASSIVE DISABLING DEVICES D. VEHICLE RECOVERY SYSTEM DEVICES E. VEHICLE RECOVERY SYSTEM & PASSIVE DISABLING DEVICE RULE 26. PAID IN FULL DISCOUNT RULE 27. EXCELLENT DRIVER DISCOUNT RULE 28. EXCELLENT DRIVER PLUS DISCOUNT Effective 04/10/2014

292 RULE 1. DEFINITION GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS In accordance with this manual, the term Motorcycle or Private Passenger Motorcycle means any two wheeled motorcycle, motorbike, moped, motorscooter, a three-wheeled motorcycle, or other land motor vehicle that has: A. At least two-wheels, but not more than: 1. Three-wheels with respect to a vehicle designed for operation principally upon public roads that meets our underwriting criteria. The motorcycle must be manufactured or reconstructed from a two wheeled motorcycle and powered by an engine originally designed for use only with a motorcycle. 2. Four-wheels with respect to an all-terrain vehicle designed for operation principally off public roads; B. Completely open-air driver s seating; and C. A motorcycle hand-grip steering device. NOTE: We do not write business, commercial or emergency use or a vehicle used as a public or livery conveyance or owned by a corporation. RULE 2. COVERAGE Private passenger motorcycles rated in accordance with this manual shall be afforded Compulsory Bodily Injury to Others, Damage to Someone Else s Property, Personal Injury Protection, and Bodily Injury Caused by an Uninsured Auto. Refer to the applicable policy contract for provisions applicable to Territorial Extent of Coverage, Coverage Definitions and Coverage Exclusions. RULE 3. DETERMINATION OF RATING TERRITORY - ALL COVERAGE The premium for private passenger motorcycle coverage is the premium for the territory in which the private passenger motorcycle is principally garaged. (Refer to Rate Section for Territory Definitions.) RULE 4. TERM RULE - POLICY PERIOD A. No policy may be written for a period longer than 12 months. B. The premium to be charged for policy terms not exceeding 12 months shall be as follows: Month Policies - Charge the annual premium or minimum premium, whichever applies. 2. At the option of the Company, policies may be written for less than an annual period at pro rata of premiums in this manual. 3 Effective 04/10/2014

293 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 5. RATES, MINIMUM PREMIUM AND ROUNDING OF PREMIUM A. Rates - All premiums in this manual are annual premiums. B. Minimum Premium - The minimum premium is $99.00 annually. C. Rounding of Premiums - All Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Personal Injury Protection, Medical Payments, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, Limited Collision, and Emergency Road Service premiums are to be rounded to the nearest dime at each phase of calculation. For this purpose, an amount of five cents ($.05) or more shall be considered a dime. RULE 6. PRIVATE PASSENGER MOTORCYCLE INSTALLMENT PAYMENTS The following rules govern the payment of motorcycle premiums for policies written for periods of not more than one year. The total premium for a motorcycle policy providing any coverage is due and payable at the beginning of the policy period, unless the policy is issued on an installment payment basis. A. AVAILABLE PAYMENT PLANS 1. Payment in Full Due in accordance with the initial billing notice. (No Service Charge) 2. Four Payment Plan 1st Payment 25% due with application or on effective date of renewal. 2nd through 4th Payment 25% due on the 2nd, 4th and 6th month after policy effective date. 3. Six Payment Plan 1st Payment 25% due with application or on effective date of renewal. 2nd through 6th Payment - 15% due on the 2nd, 4th, 6th, 8th and 10th month after policy effective date. 4. Nine Payment Plan 1st Payment 17.6% due with application or on effective date of renewal. 2nd through 9th Payment % due on the 1st, 2nd, 3rd, 4th, 5th, 6th, 7th and 8th month after policy effective date. 5. Eleven Payment Plan 1st Payment 12.5% due with application. 2nd through 11th Payment 8.75% due on the 1st, 2nd, 3rd, 4th, 5th, 6th, 7th, 8th, 9th and 10th month after policy effective date. 6. Twelve Payment Plan with GEICO Auto Pay EFT or Recurring Card enrollment required to start and maintain this plan. 1st Payment 8.33% due with application or on effective date of renewal. 2nd through 12th Payment 8.33% due every month thereafter. 4 Effective 04/10/2014

294 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 6. PRIVATE PASSENGER MOTORCYCLE INSTALLMENT PAYMENTS (cont.) Additional Payment Plan for Renewals 7. Twelve Payment Plan without GEICO Auto Pay 1st Payment 8.33% due one month prior to effective date of renewal. 2nd Payment 8.33% due on effective date of renewal. 3rd through 12th Payment 8.33% due every month thereafter. B. An additional charge of $5.00 shall be made for each installment including the first payment, and the additional charge shall be included in each installment payment. The additional charge is for the expenses incurred in handling the separate payments. For Electronic Fund Transfer payments made under a recurring payment plan, a $1.00 charge applies in lieu of $5.00. For payments made under a recurring credit card plan offered pursuant to a sponsorship agreement between the issuing bank and the Company or its affiliates, no installment fee charge shall apply. C. The premium paid to Company exclusive of the total payment charge shall never be less than the pro rata charge from the effective date of the policy to the due date of the next payment when additional payments are to be paid, or to expiration of the policy when no further payments are due. The Company would have at all times sufficient premium paid for short rate cancellation. RULE 7. CANCELLATION AND CHANGES A. CANCELLATION All cancellations at the request of the insured or cancellations by the company shall be processed on a pro rata basis. B. CHANGES 1. All changes requiring adjustments of premium shall be computed on a pro rata basis of the rate in effect when the coverage was issued. 2. If as a result of any endorsement, amendment, cancellation or other policy change, an additional or return premium in the amount less than $2.01 is developed, no return need be made unless requested by the insured. If requested, the actual amount shall be returned. RULE 8. SERVICE FEES A. RETURNED CHECKS A $20.00 service fee may be charged for processing a check/draft dishonored for any of the following reasons: 1. Insufficient Funds; 2. Account Closed; or 3. Payment Stopped (unless by Company request). B. CERTIFICATE OF FINANCIAL RESPONSIBILITY FILING FEE A $25.00 service fee shall be charged for processing Certificate of Financial Responsibility filings. 5 Effective 04/10/2014

295 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 9. RESERVED FOR FUTURE USE RULE 10. DRIVER EXPERIENCE FACTOR A Motorcycle shall be classified and rated as follows: A. Number of Years of US auto license B. Number of years of owning, operating, and having registered a motorcycle NOTE: See the rate pages for the factors associated with the experience factor RULE 11. PRIVATE PASSENGER MOTORCYCLE - LIABILITY AND PHYSICAL DAMAGE CLASSIFICATION A. DEFINITIONS 1. "Business Use" - means that the use of the private passenger motorcycle is required by or customarily involved in the duties of the applicant or any other person customarily operating the private passenger motorcycle in his occupation, profession or business, other than in going to or from his principal place of occupation, business or profession. 2. "Operator" - means anyone who uses the private passenger motorcycle except: (a) An individual in active military service with the armed forces of the United States of America shall not be considered an operator unless such individual customarily uses the private passenger motorcycle. (b) Individuals absent from the household while attending school shall be considered an operator if they customarily use the private passenger motorcycle. RULE 12. AGE GROUPS FOR COMPREHENSIVE AND COLLISION COVERAGE Age Group Definition Code 1 All private passenger motorcycles of the current model year 2 All private passenger motorcycles of the 1 st preceding model year 3 All private passenger motorcycles of the 2 nd preceding model year 4 All private passenger motorcycles of the 3 rd preceding model year 5 All private passenger motorcycles of the 4 th preceding model year 6 All private passenger motorcycles of the 5 th preceding model year 7 All private passenger motorcycles of the 6 th preceding model year 8 All private passenger motorcycles of the 7 th preceding model year 9 All other private passenger motorcycles NOTE: For the purpose of this definition, the current model year shall change effective October 1, of each calendar year regardless of actual introductory dates of the several makes and models. Rebuilt or Structurally Altered private passenger motorcycles - the age of the frame determines the age of the cycle. 6 Effective 04/10/2014

296 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 13. RISK TIER A risk will be assigned to a Risk Tier. The Company uses the following list of characteristics for Risk Tier placement: Number of active operators: Number of active operators on a policy Minimum Years of OOR of active operators: Among the active operators what is the minimum number of years a street legal motorcycle has been Owned, Operated and Registered. Total number of convictions. Total number of Negligent Accidents: An accident is considered to be negligent if it is indicated as negligent by the applicant or the information reported by the third-party reporting agency indicates that it is negligent. Accidents discovered on the motor vehicle report that occur on the same day as a moving violation also discovered on the report are classified as negligent. Types of negligent accidents include, but are not limited to, accidents which are a result of loss of control, a moving violation, failure to pay attention, and recklessness or improper parking of a vehicle Total number of Non-negligent Accidents: Accidents not classified as negligent are classified as non-negligent. Current motorcycle insurance status: An applicant is considered currently insured if their current policy does not expire prior to the desired effective date of the GEICO policy. An applicant with a status of deployed will be given the same consideration as an applicant who is currently insured. GEICO Auto insurance status: An applicant is considered currently insured with GEICO Auto insurance if their GEICO automobile policy does not expire prior to the desired effective date of their GEICO Motorcycle policy. An applicant with a status of deployed will be given the same consideration as an applicant who is currently insured. The number and type of motorcycles and/or ATV s. Named Insured Years Licensed: The number of years the applicant has held an automobile license in the US or Canada. Internet origination: Any GEICO Motorcycle policy where the initial quote originated via the internet. RULE 14. ACCIDENT AND CONVICTION SURCHARGE PLAN The Surcharge Plan applies to Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. A. EXPERIENCE PERIOD The experience period shall begin seventy-two (72) months prior to the effective date of the policy in order to identify the Excellent Driver and Excellent Driver Plus discount. The experience period for surcharging a violation or accident shall begin thirty-six (36) months prior to the effective date of the policy. 7 Effective 04/10/2014

297 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 14. ACCIDENT AND CONVICTION SURCHARGE PLAN (Cont d) B. DRIVING RECORD POINTS 1. Motor Vehicle Convictions Points shall be assigned in accordance with the following for motor vehicle convictions for which the applicant or any operator of the vehicle has been convicted, paid a fine or forfeited bail bond during the experience period. a. Four points shall be assigned for each occurrence of: (1) Eluding Police (2) Felony Involving Auto (3) Highway Racing (4) Hit And Run (5) Homicide or Manslaughter (6) Leaving The Scene Of An Accident (7) Disobey A/D (8) Restricted License (9) Road Rage (10) Turn Off Lights To Avoid ID (11) DUI/DWI and/or Drugs (12) Alcohol or Drug Related (13) Reduced DWI/DUI (14) Refuse Sobriety Test (15) Reckless, Aggressive, Negligent, Careless, or Inattentive Driving (16) Maintain Proper Control (17) Multiple Convictions (18) Physical Control b. Zero points shall be assigned for the first occurrence and two points for all subsequent occurrences of: (1) Speeding 1-20 MPH over the limit (2) Eye Protection Viol. (3) Fail To Dim Lights (4) Fail To Signal (5) Helmet Violation (6) HOV/Parkway/Expressway Restrictions (7) Not Licensed For Vehicle Class (8) Operate Car Without Valid License (9) Operate Vehicle Within Fire Area (10) Permitting Person to Ride Where Unlawful (11) Speed Below Minimum c. Two points shall be assigned for each occurrence of all other convictions legally chargeable. 8 Effective 04/10/2014

298 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 14. ACCIDENT AND CONVICTION SURCHARGE PLAN (Cont d) NOTES: a. Under Section b above: (1) To impose a surcharge, the accumulation of two violations must be by the same individual operator. (2) Any conviction as a result of an accident is not chargeable under both the accident and conviction portions of this rule. The charge shall be made only in the category resulting in the higher penalty point assignment b. Points will be assigned for both automobile and private passenger motorcycle convictions EXCEPTIONS: No points will be assigned under Section b for a conviction of driving without a seatbelt. 2. Accidents a. Four points shall be assigned for each at fault accident involving the applicant, or any operator of the insured motor vehicle, while operating any private passenger type motor vehicle resulting in bodily injury or death, or damage to property (including his own) in excess of $500. b. Except that no points shall be assigned under the applicant s policy for accidents incurred by an operator demonstrated to be a named insured or a principal operator of a motor vehicle insured under a separate policy in the companies, unless the accident is a motorcycle accident and the operator is a named insured or a principal operator of a policy insuring automobiles only. NOTE: Except as provided above, points will be assigned for both automobile and motorcycle accidents. EXCEPTIONS: No points shall be assigned for a substantially at-fault accident if the insured demonstrates that the accident occurred under the following circumstances: i. Motor vehicle lawfully parked; or ii. Applicant, other operator or owner is reimbursed by, or on behalf of, a person responsible for the accident or has judgment against such person; or iii. Motor vehicle of an applicant or other operator struck in rear by another vehicle and the applicant or other operator was not convicted of a traffic violation in connection with the accident; or iv. Operator of the other motor vehicle involved in such accident was convicted of a traffic violation and the applicant or other operator was not convicted of a traffic violation in connection therewith; or v. Motor vehicle operated by applicant or other operator was struck by a hit-and-run driver, if the applicant or other operator reports the accident to proper authority within 24 hours; or vi. Accident involving damage by contact with animals or fowl; or vii. Applicant or other operator residing in the same household, or owner, who receives payment under Personal Injury Protection Insurance where such individual is not at fault; or viii. Physical damage losses other than from collision ( i.e. flying gravel, missiles or falling objects); or 9 Effective 04/10/2014

299 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 14. ACCIDENT AND CONVICTION SURCHARGE PLAN (Cont d) ix. Applicant, owner or other operator was reimbursed for damage to the motor vehicle under Limited Collision Coverage or under the Broadened Collision Limited Waiver of Collision Deductible coverage; or. x. Applicant, owner or other operator was reimbursed for damage to the motor vehicle under Collision Coverage where such individual was not more than 50% at fault. C. OTHER POINT SURCHARGES One point shall be assigned for any operator for whom a 36-month driving record cannot be verified by a government bureau of motor vehicles. This surcharge shall remain in effect for as long as the driving record remains unverifiable, but shall be removed at the first renewal after the driving record becomes verifiable, not to exceed one year. This rule does not apply to U.S. Military personnel and their spouses who previously held a valid U.S driver s license that has expired due to their military service. D. SUB-CLASSIFICATIONS The number of points accumulated as a result of driving record and operator surcharges shall govern the sub-classification to be assigned. Refer to Rate Section for surcharge factors. RULE 15. VEHICLE CATEGORY All private passenger motorcycles are assigned a specific vehicle category. Refer to the Rate Section for a list of the applicable categories and the related vehicle factor. For newly announced models, assign the category shown for the latest similar model. These category classification factors apply to Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. 10 Effective 04/10/2014

300 RULE 16. ACCESSORY COVERAGE GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS If Comprehensive or Collision coverage is written on the covered motorcycle, $2,000 of coverage for accessories will be included. Accessories are defined as custom, optional or added equipment parts and accessories permanently added to or replacing standard factory parts or equipment. Optional increased limits of accessory coverage are available as follows: FROM TO SYMBOL CODE # of Units $ 0 2,000 A 0 2,001 3,500 B 13 3,501 5,000 C 28 5,001 6,500 D 43 6,501 8,000 E 58 8,001 9,500 F 73 9,501 11,000 G 88 11,001 15,000 H ,001 20,000 I 118 RULE 17. RESERVED FOR FUTURE USE RULE 18. STORAGE The storage program may be offered by policy endorsement upon notification to the company that the motor vehicle will not be operated for regular use and will be stored due to the winter season or military or civilian deployment. A. A 70% credit will apply to the premiums, except for Comprehensive, after removal of the endorsement subject to the following provisions: 1. The motor vehicle must be placed in storage for a period of 30 days or more; 2. The motor vehicle must not be operated for regular use, except for maintenance and testing purposes. B. The premium credit is proportionate to the period of time the motor vehicle was under the storage program. The policy will not be discounted beyond the applicable minimum premium amount. C. Removal of the endorsement will be effective immediately upon receipt of such request by the named insured. D. Endorsement shall not extend the policy beyond its original expiration date. E. If the policy expires during the period of suspension, the named insured shall be entitled any applicable premium credit in accordance with the foregoing provisions of this rule. 11 Effective 04/10/2014

301 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 19. TWO OR MORE PRIVATE PASSENGER MOTORCYCLE CREDIT If two or more private passenger motorcycles are insured on the same policy a 10% credit will be applied to like coverage. This credit applies to Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE 20. RENEWAL DISCOUNT A discount of 10% will be applied at the first anniversary renewal, and will remain in effect, provided there is no lapse in coverage. This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE 21. TRANSFER DISCOUNT A 10% discount will be applied on new policies, provided that the applicant has current insurance. This discount will apply until the first renewal, at which time the applicant may be eligible for a Renewal Discount. The applicant may be required to present proof of current motorcycle insurance at the time of application. This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE DISCOUNT The 65+ discount applies to all riders at least 65 years old. This discount applies if the principal operator is at least 65 years old and has been auto licensed for at least 6 years. The vehicle cannot be used in the occupation, profession or business of the insured (cannot be used for business purposes). The experienced 65+ discount will be applied to each vehicle principally operated by a person who qualifies for the discount. A 25% discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, Limited Collision coverage, and Emergency Road Service. 12 Effective 04/10/2014

302 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS RULE 23. MOTORCYCLE SAFETY COURSE CREDITS The rates for Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage otherwise applicable for a motorcycle, motorscooter, motorbike or other similar motor vehicles owned by an individual or husband and wife resident in the same household shall be subject to the following credits. Satisfactory evidence (certificate or photostat thereof) may be required by the company that the principal operator of such motor vehicle has successfully completed an appropriate Motorcycle safety course shown below. If the policy insures two or more cycles, the credit shall apply to each vehicle principally operated by a person who has successfully completed the motorcycle safety course. When the principal operator qualifies for more than one of the following credits, only the highest applicable credit for each principal operator of an insured vehicle shall apply. A. MOTORCYCLE SAFETY FOUNDATION RIDER EDUCATION PROGRAM, MOTORCYCLE RIDER COURSE OR EXPERIENCED RIDER S COURSE INCLUDING THE MASSACHUSETTS RIDER EDUCATION PROGRAM A 10% credit shall apply if the principal operator has successfully completed a Motorcycle Rider Course meeting the standards established by the Motorcycle Safety Foundation Rider Education Program. B. INSTRUCTOR S DISCOUNT A 20% credit shall apply if the principal operator is a certified instructor of a motorcycle safety course meeting the standards established by the Motorcycle Safety Foundation. C. MILITARY SAFETY COURSE A 10% credit shall apply if the principal operator has successfully completed a motorcycle safety course (other than the Motorcycle Safety Foundation courses) offered at a military installation and approved by the Commanding Officer. RULE 24. DUAL POLICY DISCOUNT A 5% discount will be applied to policies where the insured has both an automobile policy and a motorcycle policy written within the GEICO group of companies. NOTE: AIP and Commercial risks are not eligible policies for determination of the dual policy discount. This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. 13 Effective 04/10/2014

303 RULE 25. ANTI-THEFT DISCOUNT GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS This discount will apply to Comprehensive Coverage on all motorcycles equipped with an Anti-Theft device meeting the criteria of either paragraphs A, B, C, D or E below. A. ALARM ONLY OR ACTIVE DISABLING DEVICES A 5% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with either of the following: (1) audible alarm only devices; or (2) active disabling devices which disable the motorcycle 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. B. NON-PASSIVE DISABLING DEVICE A 5% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with a device similar to one of the following examples: (1) wheel locks (2) wheel chains (3) locking motorcycle cover C. PASSIVE DISABLING DEVICES A 10% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with a passive disabling device which disables the motorcycle 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. D. VEHICLE RECOVERY SYSTEM DEVICES A 15% discount on Comprehensive Coverage shall be afforded on motorcycles equipped with an approved electronic unit installed in the motorcycle that is activated after the motorcycle is stolen. When activated, the device provides information to law enforcement officials or to another public or private entity regarding the motorcycle's location. The vehicle recovery system provides for the routine delivery of the information to the appropriate law enforcement entity to assist in the recovery of the motorcycle. E. VEHICLE RECOVERY SYSTEM & PASSIVE DISABLING DEVICE If a motorcycle is equipped with an approved Vehicle Recovery System Device and a Passive Disabling Device a 20% discount on Comprehensive Coverage shall be afforded. 14 Effective 04/10/2014

304 RULE 26. PAID IN FULL DISCOUNT GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS A 10% discount factor will be applied to the policy when all of the following conditions are met: A. Policy balance is paid in full on or prior to the effective date of the policy. B. Payment is not returned or cancelled. At each renewal, discount eligibility will be re-evaluated using the above conditions. The discount factor will remain for the duration of the policy term regardless of any endorsements processed after initial eligibility was met. If a policy meets the eligibility requirements above, no installment charges will be assessed on the policy. RULE 27. EXCELLENT DRIVER DISCOUNT A 2% discount will be applied if the principal operator of the vehicle has at least 5 years auto driving experience and no surchargeable incidents within the 5-year experience period OR the principal operator of the vehicle has one surchargeable incident within the 6-year experience period and a surchargeable incident which is considered a "minor violation". This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. RULE 28. EXCELLENT DRIVER PLUS DISCOUNT A 4% discount will be applied if the principal operator of the vehicle has at least 6 years auto driving experience and no surchargeable incident within the 6-year experience period. This discount is applicable to the following coverage: Bodily Injury to Others, Optional Bodily Injury to Others, Damage to Someone Else s Property, Medical Payments, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, Bodily Injury Caused by an Underinsured Auto, Comprehensive, Collision, and Limited Collision coverage. 15 Effective 04/10/2014

305 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS Except for East Boston and South Boston, sections of cities and towns designated North, East, South, and West or with a prefix or suffix merely supplemental to the principal name (such as West Newton or Arlington Heights) are not separately listed (see principal designation). In some instances (such as North Andover) there are two distinct townships, Andover and North Andover, in which case both are listed. Counties are indicated by the Statistical Code Numbers as follows: Left Hand Digit County Left Hand Digit County Barnstable 4... Franklin 0... Dukes Hampden Nantucket 5... Hampshire Plymouth 6... Middlesex 1... Berkshire 7... Norfolk 2... Bristol 8... Suffolk 3... Essex 9... Worcester T-1 Effective 04/10/2014

306 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS CITY OF BOSTON Rating Territory Statistical Code Definition BOSTON CENTRAL - (Zip Codes , 02123, 02133, 02199, 02201, 02202, 02203, 02210, 02215, 02241) BRIGHTON - (Zip Codes 02134, 02135, 02163) CHARLESTOWN - EAST BOSTON - (Zip Codes 02128, 02129) DORCHESTER - (North Dorchester and South Dorchester) - (Zip Codes 02122, 02124, 02125, 02126) 21* 819 EAST BOSTON - CHARLESTOWN - (Zip Codes 02128, 02129) HYDE PARK - (Zip Codes 02136, 02137) JAMAICA PLAIN - (Zip Code 02130) ROSLINDALE - (Zip Code 02131) ROXBURY - (Including parts of Dorchester) (Zip Codes 02119, 02120, 02121) SOUTH BOSTON - (Zip Code 02127) WEST ROXBURY (Zip Code 02132) The following list contains subdivisions of Boston with territorial schedules and statistical codes: Name Rating Territory Statistical Code Allston - (Brighton) Mattapan - (Dorchester - North) Readville - (Hyde Park) *A portion of postal zip code district falls in Hyde Park (Territory 20) and should be rated as such. The correct border between South Dorchester and Hyde Park is as follows: Southeast, then East on Cummins Highway, Southwest on Rugby Road (1 block), Southeast on Greenfield Road, short stretch Southwest on River Street, Southeast on Mattakeeset St. to Neponset River. Border goes down the middle of these streets. The following list contains Out of State Territorial Schedules and Statistical Codes Rating Statistical Location Territory Code Connecticut * 991 Maine * 992 New Hampshire * 993 New York * 994 Rhode Island * 995 Vermont * 996 Other * 999 * Rating territory in which the automobile is registered. T-2 Effective 04/10/2014

307 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code A ABINGTON ACTON ACUSHNET ADAMS AGAWAM ALFORD AMESBURY AMHERST ANDOVER ARLINGTON ASHBURNHAM ASHBY ASHFIELD ASHLAND ATHOL ATTLEBORO AUBURN AVON AYER B BARNSTABLE BARRE BECKET BEDFORD BELCHERTOWN BELLINGHAM BELMONT BERKLEY BERLIN BERNARDSTON BEVERLY BILLERICA BLACKSTONE BLANDFORD BOLTON BOSTON CENTRAL - (Zip Codes , 02123, 02133, 02199, 02201, 02202, 02203, 02210, 02215, 02241) BOURNE BOXBOROUGH BOXFORD BOYLSTON T-3 Effective 04/10/2014

308 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code B (cont.) BRAINTREE BREWSTER BRIDGEWATER BRIGHTON - Boston (Zip Codes 02134, 02135, 02163) BRIMFIELD BROCKTON BROOKFIELD BROOKLINE BUCKLAND BURLINGTON C CAMBRIDGE CANTON CARLISLE CARVER CHARLEMONT CHARLESTOWN - Boston (Zip Codes 02128, 02129) CHARLTON CHATHAM CHELMSFORD CHELSEA CHESHIRE CHESTER CHESTERFIELD CHICOPEE CHILMARK CLARKSBURG CLINTON COHASSET COLRAIN CONCORD CONWAY CUMMINGTON D DALTON DANVERS DARTMOUTH DEDHAM DEERFIELD DENNIS T-4 Effective 04/10/2014

309 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code D (cont.) DIGHTON DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) DOUGLAS DOVER DRACUT DUDLEY DUNSTABLE DUXBURY E EAST BOSTON - Boston (Zip Codes 02128, 02129) EAST BRIDGEWATER EAST BROOKFIELD EASTHAM EASTHAMPTON EAST LONGMEADOW EASTON EDGARTOWN EGREMONT ERVING ESSEX EVERETT F FAIRHAVEN FALL RIVER FALMOUTH FITCHBURG FLORIDA FOXBOROUGH FRAMINGHAM FRANKLIN FREETOWN G GARDNER GAY HEAD GEORGETOWN GILL GLOUCESTER GOSHEN GOSNOLD GRAFTON T-5 Effective 04/10/2014

310 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code G (cont.) GRANBY GRANVILLE GREAT BARRINGTON GREENFIELD GROTON GROVELAND H HADLEY HALIFAX HAMILTON HAMPDEN HANCOCK HANOVER HANSON HARDWICK HARVARD HARWICH HATFIELD HAVERHILL HAWLEY HEATH HINGHAM HINSDALE HOLBROOK HOLDEN HOLLAND HOLLISTON HOLYOKE HOPEDALE HOPKINTON HUBBARDSTON HUDSON HULL HUNTINGTON HYDE PARK - Boston (Zip Codes 02136, 02137) I IPSWICH J JAMAICA PLAIN - Boston (Zip Code 02130) K KINGSTON T-6 Effective 04/10/2014

311 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code L LAKEVILLE LANCASTER LANESBOROUGH LAWRENCE LEE LEICESTER LENOX LEOMINSTER LEVERETT LEXINGTON LEYDEN LINCOLN LITTLETON LONGMEADOW LOWELL LUDLOW LUNENBURG LYNN LYNNFIELD M MALDEN MANCHESTER MANSFIELD MARBLEHEAD MARION MARLBOROUGH MARSHFIELD MASHPEE MATTAPOISETT MAYNARD MEDFIELD MEDFORD MEDWAY MELROSE MENDON MERRIMAC METHUEN MIDDLEBOROUGH MIDDLEFIELD MIDDLETON T-7 Effective 04/10/2014

312 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code M (cont.) MILFORD MILLBURY MILLIS MILLVILLE MILTON MONROE MONSON MONTAGUE MONTEREY MONTGOMERY MOUNT WASHINGTON N NAHANT NANTUCKET NATICK NEEDHAM NEW ASHFORD NEW BEDFORD NEW BRAINTREE NEWBURY NEWBURYPORT NEW MARLBOROUGH NEW SALEM NEWTON NORFOLK NORTH ADAMS NORTHAMPTON NORTH ANDOVER NORTH ATTLEBORO NORTHBOROUGH NORTH BROOKFIELD NORTHBRIDGE NORTH DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) NORTHFIELD NORTH READING NORTON NORWELL NORWOOD O OAK BLUFFS T-8 Effective 04/10/2014

313 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code O (cont.) OAKHAM ORANGE ORLEANS OTIS OXFORD P PALMER PAXTON PEABODY PELHAM PEMBROKE PEPPERELL PERU PETERSHAM PHILLIPSTON PITTSFIELD PLAINFIELD PLAINVILLE PLYMOUTH PLYMPTON PRINCETON PROVINCETOWN Q QUINCY R RANDOLPH RAYNHAM READING REHOBOTH REVERE RICHMOND ROCHESTER ROCKLAND ROCKPORT ROSLINDALE - Boston (Zip Code 02131) ROWE ROWLEY ROXBURY - Boston (Zip Codes 02119, 02120, 02121) ROYALSTON RUSSELL RUTLAND T-9 Effective 04/10/2014

314 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code S SALEM SALISBURY SANDISFIELD SANDWICH SAUGUS SAVOY SCITUATE SEEKONK SHARON SHEFFIELD SHELBURNE SHERBORN SHIRLEY SHREWSBURY SHUTESBURY SOMERSET SOMERVILLE SOUTHAMPTON SOUTHBOROUGH SOUTH BOSTON - Boston (Zip Code 02127) SOUTHBRIDGE SOUTH HADLEY SOUTHWICK SPENCER SPRINGFIELD STERLING STOCKBRIDGE STONEHAM STOUGHTON STOW STURBRIDGE SUDBURY SUNDERLAND SUTTON SWAMPSCOTT SWANSEA T TAUNTON TEMPLETON TEWKSBURY T-10 Effective 04/10/2014

315 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code T (cont.) TISBURY TOLLAND TOPSFIELD TOWNSEND TRURO TYNGSBOROUGH TYRINGHAM U UPTON UXBRIDGE W WAKEFIELD WALES WALPOLE WALTHAM WARE WAREHAM WARREN WARWICK WASHINGTON WATERTOWN WAYLAND WEBSTER WELLESLEY WELLFLEET WENDELL WENHAM WESTBOROUGH WEST BOYLSTON WEST BRIDGEWATER WEST BROOKFIELD WESTFIELD WESTFORD WESTHAMPTON WESTMINSTER WEST NEWBURY WESTON WESTPORT WEST ROXBURY - Boston (Zip Code 02132) WEST SPRINGFIELD T-11 Effective 04/10/2014

316 GEICO INDEMNITY COMPANY MOTORCYCLE TERRITORIAL DEFINITIONS MASSACHUSETTS City or Town Rating Territory Statistical Code W (cont.) WEST STOCKBRIDGE WEST TISBURY WESTWOOD WEYMOUTH WHATELY WHITMAN WILBRAHAM WILLIAMSBURG WILLIAMSTOWN WILMINGTON WINCHENDON WINCHESTER WINDSOR WINTHROP WOBURN WORCESTER WORTHINGTON WRENTHAM Y YARMOUTH T-12 Effective 04/10/2014

317 MASSACHUSETTS DIVISION OF INSURANCE POLICY ENDORSEMENT LIST INSTRUCTIONS: For filings containing or adopting Endorsements 1, please indicate the following: - In the Endorsement Name column, the name of each Endorsement submitted in the filing; - In the Form Number column, the form number of each Endorsement submitted in the filing; - In the M/O/E, whether each Endorsement is Mandatory 2 (M), Optional 3 (O) or Elected 4 (E); - In the Advise to Applicant/Insured column, how the applicant/insured is advised of the option to elect or decline each Elected Endorsement; - In the Premium/Credit column, whether the Endorsement bears a premium or credit or otherwise impacts the policy rate (Yes/No). All Endorsements must be listed in the program s filed manual/exception pages; the rules for Optional Endorsements must also state the circumstances under which the Filing Company may issue each Endorsement. Please enter the product name as filed. Endorsement Name Form Number M/O/E Advise to Applicant/Insured Premium/Credit Limited Food Spoilage ABC 0671 (07/11) E Advised by agent No 1 Endorsement: This is equivalent to any form whose Form Type on the SERFF Form Schedule may accurately be described as END. 2 Mandatory: The Endorsement is issued on all policies. 3 Optional: The Endorsement is issued at the sole discretion of the Filing Company based upon underwriting, with no option of the applicant/insured to decline. 4 Elected: The Endorsement may be elected or declined by the applicant/insured. PFR-PEL (ed. 01/12)

318 Exhibit 5 GEICO INDEMNITY COMPANY Voluntary Motorcycle Insurance Massachusetts Proposed Discounts LTD OPER STEP ROUND BI PD MED PAY PIP UM UIM COMP COLL COLL * Renewal/Transfer Discount Penny 10% 10% 10% 10% 10% 10% 10% 10% 10% * Dual Policy Discount Dime 5% 5% 5% 5% 5% 5% 5% 5% 5% * Multi-Cycle Discount Dime 10% 10% 10% 10% 10% 10% 10% 10% 10% * Anti-Theft Discount Dime X Alarm Only 5% Non-Passive 5% Active 5% Passive 10% Vehicle Recovery 15% Vehicle Recovery & Passive 20% * Instructor Discount Dime 20% 20% 20% 20% 20% 20% 20% 20% 20% * Motorcycle Safety Course Discount Dime 10% 10% 10% 10% 10% 10% 10% 10% 10% * 65+ Discount Dime 25% 25% 25% 25% 25% 25% 25% 25% 25% 25% * Paid In Full Discount Dime 10% 10% 10% 10% 10% 10% 10% 10% 10% 10% * Excellent Driver Discount Dime 2% 2% 2% 2% 2% 2% 2% 2% 2% * Excellent Driver Plus Discount Dime 4% 4% 4% 4% 4% 4% 4% 4% 4% ERS

319 Exhibit 11 GEICO INDEMNITY COMPANY Voluntary Motorcycle Insurance Massachusetts Proposed Base Rates Territory Group BI PD COLL COMP UM MP PIP LTD COLL UIM ERS Limit/Ded 20/40 5M / M /

320 Exhibit 7 GEICO INDEMNITY COMPANY Voluntary Motorcycle Insurance Massachusetts Proposed Deductible Factors Collision without Waiver* Proposed Deductible Deductible Factor M 0.53 Collision with Waiver Proposed Deductible Deductible Factor M 0.61 Comprehensive Proposed Deductible Deductible Factor M 0.68 * Limited Collision uses same factors as Collision

321 GEICO INDEMNITY COMPANY MOTORCYCLE CHANGE SHEET MASSACHUSETTS MOTORCYCLE RULES SECTION RATE SECTION TERRITORY DEFINITIONS Entire section is placed on file Entire section is placed on file Entire section is placed on file File No.: Effective 04/10/2014

322 GEICO INDEMNITY COMPANY MOTORCYCLE MASSACHUSETTS - CHANGE SHEET FORMS SECTION The following new forms are to be placed on file: New Forms: A-209 (05-09) A-30-MA (04-12) DEC_PAGE (10-09) DP5MA (04-14) M-240-MA (05-09) MC54MA (04-14) PS115C (04-14) PS18E (04-14) U-44-MA-DP (05-09) U-99-MA (05-09) UE11MA (04-14) UE12MA (04-14) UE-147 (05-09) UE-164 (05-09) UE-165 (05-09) UE-316-D (05-09) UL15MAPS (12-13) VUND62MA (12-13) File # Effective 04/10/2014