LexisNexis C.L.U.E. Property Agent How to Read October 2012

LexisNexis C.L.U.E Property Agent How to Read October 2012 Confidential and Proprietary ALL NAMES IN THE TEXT OR ON THE SAMPLE REPORTS SHOWN IN THIS DOCUMENT ARE OF FICTITIOUS PERSONS AND ENTITIES. ANY SIMILARITY TO THE NAME OF ANY REAL PERSON, ADDRESS, SCHOOL, BUSINESS, OR OTHER ENTITY IS PURELY COINCIDENTAL. LexisNexis and the Knowledge Burst logo are registered trademarks of Reed Elsevier Properties Inc., Used under license. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright 2012 LexisNexis. All rights reserved.

Table of Contents Introduction...3 Report Header Section...4 Recap Section...4 Messages Section...5 Search Request Section...5 Reported Claim Summary Section...6 Appendix A: Full Sample Report...7 Appendix B: Setup Error Messages...8 Appendix C: Policy Types...8 Appendix D: Cause of Loss...9 Appendix E: Loss Status Codes...10 Introduction By providing information about the loss history of an individual and a risk address, C.L.U.E. Property helps you identify individuals who have previously filed losses with contributing companies. Optional enhancements to the C.L.U.E. Property report include: LexisNexis Real Property (The How to Read: Real Property Report will guide you through this portion of your report.) Whether you receive any or all of these enhancements is determined by the way your account is set up. Therefore, reports for each account number you use may be different from those ordered for other accounts. Copyright 2011 LexisNexis. All rights reserved. 3

Report Header Section This section identifies the report sent to you, including the report date and time. It shows the name of the company/individual requesting the report, and the account number billed for this report. C.L.U.E. - COMPREHENSIVE LOSS UNDERWRITING EXCHANGE PROPERTY REPORT [3] INQUIRY PAGE: 1 [1] QUOTEBACK: 201007161337 ACCOUNT: 000-CX4 SPECIAL BILLING ID: DATE OF ORDER: 08/27/2010 LEXISNEXIS DATE OF RECEIPT: 08/27/2010 [2] REQUESTOR: [4] C.L.U.E. REF. #: 00000000000000 [1] Quoteback: This is the identification that matches your order to this report. [2] Requestor: This is the name or initial of the person who requested the report. This field may be blank. [3] Inquiry Page: This is the page number of this C.L.U.E. report. [4] C.L.U.E. Ref. #: This is the 14-digit number used to identify this report within the C.L.U.E. Property system. Use this number when calling for support and when notifying consumers. Recap Section Recap information summarizes the C.L.U.E. Property results. ------------------------------------------------------------------------------------------------------------------------------------------------- RECAP: [5] RISK - 1 CLAIM(S) REPORTED. [6] SUBJECT - 0 CLAIM(S) REPORTED. [5] Risk: This indicates the number of claims for the Risk Address (the insured address). [6] Subject: This indicates the number of claims that match the Subject(s) provided by the inquiring customer at addresses other than the risk address. Copyright 2011 LexisNexis. All rights reserved. 4

Messages Section The Messages section summarizes the information included in this report, or provide general processing information. ------------------------------------------------------------------- MESSAGES ------------------------------------------------------------------ [7] CURRENT CARRIER PROP REFERENCE NUMBER: 00000000000000 CURRENT CARRIER SEARCH - [8] INVALID ACCOUNT [7] Current Carrier Prop Reference Number: The reference number for Current Carrier Report. This is the same number as the 14-digit C.L.U.E. Property report reference number. [8] Invalid Account: This is an account set up error message. This indicates the customer account is not set up to receive Current Carrier Report. Please reference Appendix B for a list of error messages. If an error message begins with APP ERROR:" or "COMM ERROR:", it indicates that a communications problem occurred before your order could be processed by the C.L.U.E. Property application. You should try sending your order again at a later time. If you receive any other error messages, please contact support at 1-800-456-6432 or via e-mail at insurancelink@mailca.custhelp.com. Search Request Section This section shows the order information about the subjects and addresses that were used to conduct the search. Only the information you sent with the order will be included here. If you did not supply an element of information, the space for that field will appear blank. ------------------------------------------------------------ SEARCH REQUEST------------------------------------------------------------- SUBJECT #1 NAME: DOE, JOHN D.O.B.: 11/10/1985 SSN: 111-11-1111 SEX: POLICY #: [9]TYPE: H COMPANY: [10] RISK ADDRESS: 4964 FAKE AVE SAINT LOUIS, MO 63120-2240 [9] Type: This is the insurance policy type. Please reference Appendix C for a list of all policy types. [10] Risk Address: This is the insured address. It may or may not be the same as the mailing address. Copyright 2011 LexisNexis. All rights reserved. 5

Reported Claim Summary Section This section lists loss information that matches the Risk Address provided in the report request. ------------------------------------------------------ REPORTED CLAIM SUMMARY -------------------------------------------------- THIS REPORT IS NOT A RECOMMENDATION. SUBSCRIBER SHOULD INDEPENDENTLY DETERMINE WHAT ACTION, IF ANY, TO TAKE. RISK CLAIMS REPORTED IN THIS SECTION MAY HAVE OCCURRED PRIOR TO THE APPLICANT/POLICYHOLDER(S) ASSOCIATION WITH THE PROPERTY. ---------------------------------- ------------------------------------------------------------------------------------------------------------------ RISK [11]CLAIM [12] [13] [14]LOCATION [15] CAUSE OF [16] SUBJ DATE POLICY CAT OF LOSS AMOUNT MATCH LOSS TYPE RELATED LOSS STATUS PAID ----------------------------------------------------------------------------------------------------------------------------------------------------- RISK 03/17/09 H N UNKNOWN WATER/C 7,500 ** NARRATIVE INFORMATION BELOW REFERS TO ABOVE CLAIM ** DATE FILED: 07/18/09 BY: JANE LAURA DOE RELATION: INSURED MS DOE STATES THAT HER NEIGHBOR'S CHILD LEFT THE HOSE RUNNING OUTSIDE HER BASEMENT DOOR. [11] Claim Date Loss: This indicates the date the loss occurred. [12] Policy Type: This is the policy type indicator (see appendix C). [13] Cat Related: This field indicates if the loss was catastrophe related. [14] Location of Loss: This shows whether the loss occurred On or OFF the premises (if known). [15] Cause of Loss: This indicates the reason for the claim. It is followed by a / plus the loss status code. Please reference Appendix D for a complete list of cause of losses and Appendix E for a list of loss status codes. [16] Cause of Amount Paid: This indicates the amount of each cause of loss type. This is the actual dollar amount paid by the contributing company, exclusive of any reserve dollars, and any deductible amounts. Copyright 2011 LexisNexis. All rights reserved. 6

Appendix A: Full Sample Report C.L.U.E. - COMPREHENSIVE LOSS UNDERWRITING EXCHANGE PROPERTY REPORT INQUIRY PAGE: 1 QUOTEBACK: 201007161337 ACCOUNT: 00000-CX4 SPECIAL BILLING ID: DATE OF ORDER: 08/27/2010 CHOICEPOINT DATE OF RECEIPT: 08/27/2010 REQUESTOR: C.L.U.E. REF. #: 00000000000000 -------------------------------------------------------------------------------------------------------------------------------------------------------- RECAP: RISK - 1 CLAIM(S) REPORTED. SUBJECT - 0 CLAIM(S) REPORTED. ------------------------------------------------------------------ MESSAGES ------------------------------------------------------------------ CURRENT CARRIER PROP REFERENCE NUMBER: 00000000000000 CURRENT CARRIER SEARCH - INVALID ACCOUNT ------------------------------------------------------------ SEARCH REQUEST-------------------------------------------------------------- SUBJECT #1 NAME: DOE, JON D.O.B.: 11/10/1985 SSN: 111-11-1111 SEX: POLICY #: TYPE: H COMPANY: RISK ADDRESS: 4964 FAKE AVE SAINT LOUIS, MO 63120-2240 ------------------------- PREPARED BY: COMPREHENSIVE LOSS UNDERWRITING EXCHANGE ---------------------- C.L.U.E. INC., A LEXISNEXIS COMPANY IF YOU HAVE QUESTIONS, CONTACT: REFER CONSUMERS TO: -------------------------------------------------------- -------------------------------------------------- LEXISNEXIS TECHNICAL SUPPORT LEXISNEXIS CONSUMER CENTER P. O. BOX 105179 P. O. BOX 105108 ATLANTA, GEORGIA 30348-5179 ATLANTA, GEORGIA 30348-5108 TELEPHONE: 1-800-456-6432 TELEPHONE: 1-800-456-6004 C. L. U. E. IS A REGISTERED TRADEMARK OF LEXISNEXIS RISK SOLUTIONS INC. ------------------------------------------REPORTED CLAIM SUMMARY------------------------------------------------- THIS REPORT IS NOT A RECOMMENDATION. SUBSCRIBER SHOULD INDEPENDENTLY DETERMINE WHAT ACTION, IF ANY, TO TAKE. RISK CLAIMS REPORTED IN THIS SECTION MAY HAVE OCCURRED PRIOR TO THE APPLICANT/POLICYHOLDER(S) ASSOCIATION WITH THE PROPERTY. ---------------------------------- ----------------------------------------------------------------------------------------------------------------- RISK CLAIM LOCATION CAUSE OF SUBJ DATE POLICY CAT OF LOSS AMOUNT MATCH LOSS TYPE RELATED LOSS STATUS PAID ----------------------------------------------------------------------------------------------------------------------------------------------------- RISK 03/17/09 H N UNKNOWN WATER/C 7,500 ** NARRATIVE INFORMATION BELOW REFERS TO ABOVE CLAIM ** DATE FILED: 07/18/09 BY: JANE LAURA DOE RELATION: INSURED MS DOE STATES THAT HER NEIGHBOR'S CHILD LEFT THE HOSE RUNNING OUTSIDE HER BASEMENT DOOR. Copyright 2011 LexisNexis. All rights reserved. 7

Appendix B: Setup Error Messages Appendix C: Policy Types Message INELIGIBLE SEARCH REQUEST INSUFFICIENT DATA FOR REQUEST INVALID ACCOUNT Description Account number on order is not set up to order from this state; order not processed. Check your account number to be sure it is correct on the order. If you need to add this state to your account, contact your account representative. Insufficient data was entered to conduct search; order not processed. Invalid account number entered; order not processed. Check your account number to be sure it is correct on the order. If you selected an account number from the list, contact C.L.U.E. Property support. Type Codes B C D F H I J Description Boatowners Condominium Flood Fire Homeowners Inland Marine Personal Umbrella M Mobile Home Q Earthquake R Ranch/Farm T Tenant X Other Copyright 2011 LexisNexis. All rights reserved. 8

Appendix D: Cause of Loss Cause of Loss Codes Description Cause of Loss Codes ACCDL Description Accidental Discharge/Leakage WEATH WIND Weather Related Water Wind APPL Appliance Related Water COLL Collision Upset, Overturn CONTA CRAFT Contamination Watercraft CREDT Credit Card DAMAG Damage to property of others DISAP Mysterious disappearance DISSC Mysterious disappearance -scheduled property DOG Dog Bite (Liability) EXTEN Extended Coverage perils FIRE Fire FLOOD FOROB FREEZ Flood Intake of Foreign Objects Freezing water (including burst pipes) HAIL Hail IDTHF Identity Theft Restoration LAE Loss Adjustment Expense LIAB Liability (all other) LIGHT Lightning LIVES Livestock MEDIC Medical Payments MOLD Mold MOVE Earth Movement OTHER All Other PHYDA Physical Damage (all other) QUAKE Earthquake SINK Sink Hole SLIP Slip/Fall (Liability) SMOKE Smoke THEFT Theft/burglary THFSC Theft Scheduled Property VMM Vandalism/Malicious Mischief WATER Water damage WC Workers Compensation Copyright 2011 LexisNexis. All rights reserved. 9