Excel Insurance. 100 American Metro Blvd., Suite 104 Hamilton, NJ Phone: (609) Fax: (609) RENEWAL QUOTE

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1 Primary Named Insured DBA Mailing Address Company 100 American Metro Blvd., Suite 104 Hamilton, NJ Phone: (609) Fax: (609) RENEWAL QUOTE Please note that coverages and/or terms being offered may not be the same as requested. Handyman Services, LLC Commission 10.00% Effective Date (from-to) 05/02/2013 to 05/02/2014 Quote Number Expiring Policy Number BAG Sivia Street N CAPE MAY, NJ SENECA SPECIALTY INSURANCE COMPANY Rated A (Excellent) VIII by A.M. Best COMMERCIAL GENERAL LIABILITY Coverage Limit General Aggregate (other than Products/Completed Operations) $ 1,000,000 Each Occurrence $ 1,000,000 Product / Completed Operations Aggregate $ 1,000,000 Personal and Advertising Injury $ 1,000,000 Damage to Premises Rented to you (any one Premises) $ 100,000 Medical Expense Limit (any one person) $ 5,000 Deductible per Claim including loss adjustment expense and defense costs N/A SCHEDULE OF HAZARDS Location # Classification Class Code Premium Basis Exposure Rate Premium* 1 Handyman Payroll 30,000 $ $ 1,428 1 Contractors - subcontracted work Cost 5,000 $ $ 34 - In connection with construction, reconstruction, repair or erection of buildings Total Premium* $ 1,462 * Subject to minimum premium. * Subject to minimum premium. Total General Liability Premium* $ 1,462

2 TOTAL PREMIUM Commercial General Liability Premium $ 1, Commercial Property Premium Not Covered Inland Marine Premium Not Covered Total Base Premium $ 1, State Taxes $ Policy Fee $ Total Premium (without Optional Terrorism) $ 1, Optional Certified Acts of Terrorism Premium (plus applicable state taxes and fees) $ QUOTE REMARKS Updated & Signed Handyman Application is required to bind coverage. PREMIUM IS 25% MINIMUM EARNED AT INCEPTION. PREMIUM IS MINIMUM AND DEPOSIT POLICY IS SUBJECT TO AUDIT PLEASE NOTE THAT THIS QUOTE IS VALID FOR THIRTY (30) DAYS. * Please Bind Effective: Agent: Signature: Date:

00 Total Premium (without Optional Terrorism) $ 1,635.10 Optional Certified Acts of Terrorism Premium (plus applicable state taxes and fees) $ 100.

3 BINDING REQUIREMENTS Please note that this is an indication based on the information provided, and is subject to change upon receipt and review of the completed signed application requested below. If the information provided in the signed application is different than what was provided at the time of the indication, we reserve the right to rescind the indication and re-evaluate the risk based on the signed application. All binders are contingent upon our receiving the following information within 7 days. Signed ACORD application(s) Signed supplemental applications (when applicable) TRIA notice

If the information provided in the signed application is different than what was provided at the time of the indication, we reserve the right to

4 SENECA SPECIALTY INSURANCE COMPANY QUOTATION AND OFFER OF TERRORISM INSURANCE COVERAGE DISCLOSURE OF TERRORISM PREMIUM (This constitutes Part II of Seneca s quote to the Insured set forth below, and is referred to herein as the Terrorism Offer and Disclosure Document ( TODD ). The TODD is not a valid offer and may not be accepted unless the insured also accepts all the terms and conditions of Part I of Seneca s quote). Date : 04/02/2013 Policy Effective Date : 05/02/2013 Named Insured: Handyman Services, LLC Producer: DBA: Address: 216 Sivia Street City, State, Zip: N CAPE MAY, NJ American Metro Blvd., Suite 104 Hamilton, NJ On December 26, 2007, the President signed into law the Terrorism Risk Insurance Program Reauthorization Act of 2007 ( Reauthorization Act ). You are hereby notified that under the Terrorism Risk Insurance Act, as amended, that you have a right to purchase insurance coverage for losses resulting from acts of terrorism, as defined in Section 102(1) of the Act: The term act of terrorism means any act that is certified by the Secretary of the Treasury-in concurrence with the Secretary of State, and the Attorney General of the United States-to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM, SUCH LOSSES MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER, YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE, SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE FORMULA. THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 85% OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT, AS AMENDED, CONTAINS A $100 BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS $100 BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED $100 BILLION, YOUR COVERAGE MAY BE REDUCED (03/08)

The TODD is not a valid offer and may not be accepted unless the insured also accepts all the terms and conditions of Part I of Seneca s quote).

5 SENECA SPECIALTY INSURANCE COMPANY QUOTATION AND OFFER OF TERRORISM INSURANCE COVERAGE DISCLOSURE OF TERRORISM PREMIUM Certified Acts of Terrorism If the insured is being offered property and/or casualty coverage, then in the states set forth below, a decision to reject coverage for Certified Acts of Terrorism still continues mandatory fire coverage for fire losses resulting from an act of terrorism. However, this exception for fire applies only to direct loss or damage to covered property. Therefore, if the insured rejects the offer of coverage for Certified Acts of Terrorism, that rejection does not apply to direct loss or damage from fire losses resulting from an act of terrorism-mandatory coverage in the fire portion of the policy for such fire losses will continue. This applies in the following states: California, Connecticut, Georgia, Hawaii, Illinois, Iowa, Maine, Massachusetts, Missouri, New Jersey, New York, North Carolina, Oregon, Rhode Island, Virginia, Washington, West Virginia and Wisconsin. If the insured is in any of the states set forth above and declines coverage for Certified Acts of Terrorism, the insured will nevertheless have mandatory coverage for direct loss or damage to covered property from fire as a result of an act of terrorism even though the insured has elected not to purchase coverage for Certified Acts of Terrorism. However, the insured will be required to pay a premium for this coverage, as follows: A. Mandatory Property Coverage for Direct Loss or Damage from Fire to Covered Property: N/A If the insured wishes to purchase full coverage for Certified Acts of Terrorism, the insured will be required to pay a premium for this coverage, as follows: B. Full Coverage for Certified Acts of Terrorism (Optional): N/A Note to Seneca Producers: The Treasury Department Interim Guidance dated December 3, 2002, which was not amended as a result of The Terrorism Risk Insurance Program Reauthorization Act of 2007, provides that in many situations, commercial property and casualty insurance is procured for policyholders through an insurance broker or other intermediary if the normal form of communication between an insurer and the policyholder is through an insurance broker an insurer may provide the Act s required disclosures through such agents. We are using this method of communication because of our insureds reliance on their producers, acting as agent for such insureds and in order to best preserve the relationship between the insureds and their agents. Kindly forward a copy of this notice to your insureds (03/08)

terrorism. However, this exception for fire applies only to direct loss or damage to covered property.

6 SCHEDULE OF FORMS Form Number Edition Date Form Name COMMON POLICY DECLARATIONS SB Common Policy Declarations Signature Page SB Forms List IL Common Policy Conditions SB Minimum Premium SB Service of Suit GENERAL LIABILITY COVERAGE SB Commercial General Liability Coverage Part Declarations CG Commercial General Liability Coverage Form SB Miscellaneous Exclusions Endorsement SB Hazardous Materials Exclusion IL Nuclear Energy Liability Exclusion CG Fungi or Bacteria Exclusion CG Employment Related Practices Exclusion CG Exclusion Intercompany Products Suits CG Contractual Liability Limitation SB Contractors Coverage Limitation And Audit SB Limitation of Coverage to Business Description SB Contractors Exclusion - Specific Counties of New York Excluded From Coverage Territory SB Roofing Endorsement STATE SPECIFIC FORMS SB Cancellation IL New Jersey Changes - Civil Union IL New Jersey Changes - Cancellation

Coverage Form SB024 0609 Miscellaneous Exclusions Endorsement SB022 0609 Hazardous Materials Exclusion IL0021 0908 Nuclear Energy Liability Exclusion CG2167 1204 Fungi or Bacteria Exclusion CG2147

44,440 *Minimum Premium $

44,440 *Minimum Premium $ XL Excess Liability 1 WFC, 200 Liberty Street, 22nd Quotation of Insurance Issue Date 10/18/2013 Quote Expiration Date 10/31/2013 Contact Contact Email Tim Harper tharper@lockton.com Phone 646-572-7332