ALABAMA INSURANCE UNDERWRITING ASSOCIATION COMMERCIAL LINES

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1 ADDITIONAL RULE(S) Wind-Only Policy If desired, a policy covering only the peril of Windstorm or Hail may be issued on an eligible Commercial risk. (Plan of Operation and Rules and Procedures for Submitting New Applications for eligibility rules) s are developed as follows: Calculate the Extended Coverage premium for the desired limit of liability. Zone 1- Apply applicable Zone 1surcharge factor. Zone 2- Apply applicable Zone 2 surcharge factor. Zone 3 - Apply applicable Zone 3 surcharge factor. Zone 4 - Apply applicable Zone 4 surcharge factor. Zone 1Surcharge Dwellings located in Dauphin Island, Gulf Shores and Orange Beach are considered Zone 1. A factor of shall be applied to the applicable Extended Coverage Premium of policies covering properties located in these areas. Zone 2 Surcharge Dwellings located in all areas defined by AIUA as "Zone 2" shall have a factor of Zone 3 Surcharge Dwellings located in all areas defined by AIUA as "Zone 3" shall have a factor of Zone 4 Surcharge Dwellings located in all areas defined by ISO as " Zone 4 " shall have a factor of Fire Premium Discount A discount of 52.2% shall be applied to the applicable Fire Premium on policies that include the peril of fire. To calculate this discount, apply a factor of to the applicable Fire Premium. 1 of 5 Alabama (01)

2 Zone 1, Zone 2 and Zone 3 DEDUCTIBLE FACTORS All Other Perils (AOP) Total Amount of All Contributing Insurance 2% 5% 10% $500 All Values NA $1,000 Up to $ 10,000 NA $15,000 NA $25,000 NA $55,000 NA $ 200,000 & over NA $2,500 Up to $ 25,000 NA $35,000 NA $50,000 NA $85,000 NA $180,000 NA $ 500,000 & over NA $5,000 Up to $ 50,000 NA $70,000 NA $100,000 NA $170,000 NA $350,000 NA $1,000,000 & over NA $10,000 Up to $ 100,000 NA $140,000 NA $200,000 NA $350,000 NA $750,000 NA $1,000,000 NA $2,000,000 & over NA of 5 Alabama (01)

3 Zone 4 DEDUCTIBLE FACTORS All Other Perils (AOP) Total Amount of All Contributing Insurance 2% 5% 10% $500 All Values $1,000 Up to $ 10, $15, $25, $55, $ 200,000 & over $2,500 Up to $ 25, $35, $50, $85, $180, $ 500,000 & over $5,000 Up to $ 50, $70, $100, $170, $350, $1,000,000 & over $10,000 Up to $ 100, $140, $200, $350, $750, $1,000, $2,000,000 & over For higher amounts, apply to Alabama Insurance Underwriting Association. 3 of 5 Alabama (01)

4 Description of AIUA Zone Boundaries Mobile & Baldwin Counties, AL Zone 1: Zone 1 includes all areas of zip codes 36528, 36542, and 36561, encompassing Dauphin Island (including Ono Island), Gulf Shores and Orange Beach. Refer to AIUA rating zone map. Zone 2: In Mobile County, Zone 2 s northern boundary follows the CSX (formerly L&N) railroad from the Mississippi border eastward to the point of intersection with the annexed boundaries of the City of Mobile. The southern boundary of Zone 2 in Mobile County runs to the Gulf of Mexico. In Baldwin County, Zone 2 continues from N, W on the eastern shore of Delvan Bay due east through Spanish Fort to N, W, north of the intersection of Shambo Road and US 31. Continue south along County Road (CR) 54 until reaching the intersection of CR 32 and CR 33 (River Park Rd). Head east following CR 32 until it intersects with CR 9. Head south following CR 9 until intersecting with CR 28, then head directly southeast stopping at N, W (intersecting near CR 65). Head east following CR 20 (Miflin Road). At the intersection with CR 95, head northeast to N, W to the Perdido River which separates Baldwin County, Alabama and the State of Florida. Zone 2 s southern boundary In Baldwin County runs from Bon Secour Bay east along the northern boundary of Zone 1 as described above, to Perdido Bay and river. Refer to AIUA rating zone map. Zone 3: Zone 3 encompasses the annexed boundaries of the City of Mobile. Refer to AIUA rating zone map. Zone 4: Zone 4 encompasses all areas of Mobile and Baldwin Counties north of Zone 2 and Zone 3 as described above, to its northern-most limit at the St. Stephens Base Line. Refer to AIUA rating zone map. Specific geo-coordinates of each of the AIUA zone boundaries are available by request from the technology department at AIUA. 4 of 5 Alabama (01)

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