UMBRELLA. $2,000,000 is the max umbrella limit we can write.

UMBRELLA $2,000,000 is the max umbrella limit we can write. SECTION PAGE PROGRAM DESCRIPTION... 2 SCOPE OF COVERAGE... 2 PERSONAL UMBRELLA PROGRAM... 3-7 PROGRAM DESCRIPTION... 3 INELIGIBLE EXPOSURES... 3-4 MINIMUM REQUIRED UNDERLYING LIABILITY LIMITS... 4-5 RATING... 5-7 FARM UMBRELLA PROGRAM... 8-14 PROGRAM DESCRIPTION... 8 INELIGIBLE EXPOSURES, EXPOSURES NOT COVERED... 8-9 MINIMUM REQUIRED UNDERLYING LIABILITY LIMITS... 9-10 RATING... 11-13 SUPPLEMENTAL FARM UMBRELLA APPLICATION... 14 Policy Fee: $50 BMIC (09-15) 1 UMBRELLA

PROGRAM DESCRIPTION Umbrella Liability is a form of excess liability coverage. A schedule of underlying insurance (primary) must be maintained. It is catastrophe insurance. It must be properly insulated by primary coverage. Underlying insurance includes, but is not limited to: 1. Comprehensive Personal Liability (or FCPL) 2. Auto Liability Since the policy is subject to drop-down in non-insured situations, you must investigate and describe all risk characteristics the applicant presents. Underlying policies (outside of Barton Mutual) must be from companies rated B+ or better by AM Best. APPLICATIONS: Use ACORD Personal Umbrella application, Form 83. For farm, complete the supplemental application in the manual (page FUL-18). Photocopy for re-use. NO BINDING AUTHORITY. We will notify of acceptance of coverage. TERM OF POLICY will be annual only, and semi-annual or annual installment payments (no quarterly). A new policy will be issued each year. A new application is required. ON PERSONAL, FARM UMBRELLA risks, Motor Vehicle Reports (MVR s) will be required on each operator on every new risk and at renewal thereafter as follows: 1. Youthful operators (age 25 and under) - every year 2. Any operator with current or past at-fault accidents or violations every year until record is clear for three years. 3. All other operators every three years. SUPPORTING COVERAGE required, in the form of Homeowner or Farmowner. SCOPE OF COVERAGE The policy will pay on behalf of the insured the ultimate net loss in excess of the underlying limit or selfinsured retention, whichever is greater because of: a. Bodily Injury b. Property Damage c. Personal Injury d. Advertising Liability to which the insurance applies, caused by an occurrence which takes place anywhere in the world. Exclusions are generally as follows: a. Worker's Compensation, Unemployment Compensation, or Disability Benefits. b. Personal Injury employee suing employee unless underlying affords coverage. c. Watercraft over 50 feet, away from owned premises. d. Property damage to goods manufactured, sold or handled by insured. e. Products recall. f. War. g. Terrorism (except where Special Acceptance is granted or on a Personal Umbrella). BMIC (01-15) 2 UMBRELLA

PERSONAL UMBRELLA LIABILITY PROGRAM I. GENERAL This program contains the rules and rates governing the writing of Personal Umbrella Liability policies. This insurance is designed to cover personal (non-business) liability of individuals, particularly businesspersons, executives, and professional men and women. Umbrella Liability insurance is provided over declared Primary Liability Insurance. II. SCOPE OF COVERAGE The policy will pay on behalf of the insured the ultimate net loss in excess of the retained limit which the insured shall become legally obligated to pay as damages because of Personal Injury or Property Damage. Retained limit is the limit on other policies that the insured is required to carry, or the Self-Insured Retention (Deductible), for those exposures where primary coverage is not required. Ultimate net loss is the amount actually paid in settlement or satisfaction for a loss in which the insured is liable. III. LIMITS OF LIABILITY Manual rates and minimum premiums are for a basic policy limit of $1,000,000. Increased limits up to a total policy limit of $2,000,000 may be provided in accordance with the applicable rating rule. These limits contemplate that the basic Self-Insured Retention (Deductible) shall be $250 of the ultimate net loss. IV. INELIGIBLE EXPOSURES The following exposures are not eligible for coverage under this program: A. Politicians (not including town assemblymen, city council members, or selectman for towns <10,000) B. Public Lecturers C. Radio & TV Broadcasters and Telecasters D. Newspaper or Magazine Reporters, Editors or Publishers E. Labor Leaders F. Prominent Figures - Actors, Actresses, Professional Athletes, or others who are in the public limelight G. Persons who represent a moral hazard or anyone who has been sued for libel or slander H. Automobile drivers with more than two moving violations or at-fault accidents in a three year period or any convictions for reckless driving or driving while intoxicated within the last 10 years or as limited by state law. BMIC (04-13) 3 PUL

I. Law Enforcement Officials (not including: judges, bailiffs, correction officers, probation officers, fire personnel, or state/town inspectors) J. Home Day Care exposures involving more than six children, or as prescribed by state law. K. Bed and Breakfast exposures unless the following conditions have been met: a. Each risk shall be inspected by the company b. Each room must contain a smoke detector c. Liquor Law Liability is to be excluded L. 1-2 passenger designed jet skis exceeding 100 horsepower/900 cc, or 3-4 passenger designed jet skis exceeding 120 horsepower/1000 cc M. Risks with unfenced in-ground pools or above ground pools (including temporary inflatable) without a removable ladder or deck with gate. Any pool with a slide. N. Any risk in which the underlying policy contains restrictive endorsements or exclusions, such as animal liability, that would cause the umbrella policy to drop down to provide primary coverage O. Any assigned risk government sponsored or non standard auto risk P. Trampolines Q. Skateboard ramps V. MINIMUM REQUIRED UNDERLYING LIABILITY LIMITS The following limits are absolute minimums. Higher limits may be required on certain risks. Sub-limits offered on primary underlying policies will not cause the umbrella to drop down below the following required underlying limits: A. PERSONAL LIABILITY - Comprehensive Personal Liability or Liability Section of a Homeowners Policy. B. AUTOMOBILE LIABILITY With youthful drivers present (age 25 or under) with one moving violation or at fault accident within three year period. All Other $500,000/$500,000 Bodily Injury Or $500,000 Combined Single Limit $300,000/$300,000 BI or $250,000/$500,000 BI $100,000 Property Damage or $300,000 Combined Single Limit C. UN/UNDERINSURED MOTORISTS Limit must be the same as that carried for Automobile Liability BMIC (01-15) 4 PUL

D. NON-LICENSED RECREATIONAL VEHICLES (Off Premises Liability) E. WATERCRAFT LIABILITY NOTE: No Personal Umbrella Coverage is available for any watercraft greater than 50 feet in length or any watercraft requiring a crew. F. BUSINESS PURSUITS Those added to CPL or Homeowners by ISO HO- 71 or other standard filed endorsement. This includes Home Day Care and Bed and Breakfast exposures. G. "INCIDENTAL" BUSINESS PROPERTY NOTE: This exposure is not meant to cover more than eight (8) personally owned rental units. H. EMPLOYERS LIABILITY - (where required by Law or Insurance Department Regulation) Bodily Injury by Accident $100,000 each Accident Bodily Injury by Disease $500,000 Policy Limit Bodily Injury by Disease $100,000 each Employee VI. RATING for basic policy limit of $1,000,000 A. PERSONAL LIABILITY 1. Initial residence 2. Each additional owner-occupied residence (seasonal) 3. Principal residence located in Territory I 4. In-ground & above ground pools (Including temporary inflatable) - Hot tubs - no charge $75 $25 $25 B. AUTOMOBILES, MOTORCYCLES, ANTIQUE VEHICLE, TRAILERS, MOTOR SCOOTER &/or MOTOR HOMES owned, leased, furnished, or regularly used by insured, spouse, ward, or resident relative. See corresponding rates below 1. Initial vehicle 2. Each additional vehicle 3. Antique vehicles registered for use on public roads (in place of #2 above) 4. Each youthful operator (age 25 and under) 5. Each vehicle registered in Territory 1. 6 Un/Underinsured Motorists (each vehicle) 7. Trailer (25 ft. in total length or >) - Any trailer < 25 ft. total length - Multiple Trailers (Regardless of the number of trailers $69 $50 $125 $44 $56 No Charge # of Veh. w/tow hitch X BMIC (01-15) 5 PUL

owned, only charge for the number of trailers equivalent to the properly equipped vehicles on the underlying PAP) 8. Motor Home C. RECREATIONAL VEHICLES (registered or non-registered) All Snowmobiles, Dune Buggies, All Terrain Vehicles (ATV's), Mini bikes, Trail Bikes, Golf Carts or any other vehicles not licensed for highway use and insured for use off the insured's premises. $56 subject to 25 ft or > $69 $56 each D. WATERCRAFT LIABILITY up to 50 feet 1. Non-powered 2. Sailboats up to 50 feet a. Up to 26 feet b. Greater than 26 feet c. Greater than 50 feet 3. Power Boats Up To 50 feet a. Less than 26 feet, less than 40 mp b. Greater than 26 feet, less than 40 mph c. Greater than 50 feet, or greater than 40 mph OR If you are unable to determine the maximum speed of the boat, you may use the horsepower derived rule, as an alternative guideline: Power Boats Up To 50 feet a. Non powered or <25 hp b. Each outboard in excess of 25 hp but less than 50 hp c. Each inboard, outboard or inboard/outboard (50-300 hp) d. Above 300 hp If approved, the rating will apply as follows, multiplied by the primary watercraft liability premium: Underlying Limit Factor 1. $300,000.45 2. $500,000.40 3. $750,000.35 4. $1,000,000.30 4. Jet Skis 1-2 passenger designed jet skis not to exceed 100 horsepower or 900 cc 3-4 passenger designed jet skis not to exceed 120 horsepower or 1000 cc No Charge No Charge $19 Submit for approval $44 Submit for approval No Charge $19 Submit for approval $63 minimum charge $44 each $50 each E. HOME DAY CARE 1. Up to 4 children 2. Each additional child (Subject to a maximum of 6 children or as limited by state statute) $56 $13 BMIC (01-14) 6 PUL

F. BED AND BREAKFAST - per accommodation $13 G. INCIDENTAL BUSINESS PURSUITS 1. Each professional office located in insured s home with business invitees 2. Each residence rented or leased or held for rental or leased to others (subject to a maximum of 8 units) For the first four units: For units 5-8: 3. Owned Farm land from which the insured is remunerated, but does not farm personally $13 $25 each $63 each H. ALL OTHER BUSINESS PURSUITS INCLUDING HOME BASED BUSINESS with business invitees, receipts not to exceed $250,000 $38 I. AVAILABLE CREDITS: Higher limits must apply to all similar insured exposures for credit deductions. Maximum of one credit only. Choose one of the following credits to apply: 1. CPL Limit $500,000 or higher* 2. Automobile limits $500,000/500,000 BI* Or $500,000 CSL or higher *Not applicable when required as minimum limits 3. Increased Self-Insured Retention (a) $500 (b) $1,000 (c) $5,000 (d) $10,000 $13 $13 $4 $6 $9 $11 J. MINIMUM PREMIUM Minimum Premium for a $1,000,000 limit policy (represents primary residence and two automobiles) $195 K. INCREASED LIMITS FACTOR EACH additional $1,000,000 in excess of $1,000,000 to a total policy limit of $2,000,000. 50% of the premium charged for the first $1,000,000 for EACH additional $1,000,000 of coverage L. OTHER EXPOSURES For exposures not covered in paragraphs A to K and where the application of those rates to an individual risk develops a premium which is not properly indicative of the hazard due to unusual or peculiar conditions affecting the risk, then such risk shall be referred to the company for underwriting and premium determination. M. POLICY PERIOD Policies shall be written for one year only. N. TERRITORY DEFINITIONS Territory I - Jackson and St Louis Counties Territory II - Balance of State BMIC (04-13) 7 PUL

FARM UMBRELLA LIABILITY PROGRAM I. GENERAL This program contains the rules and rates governing the writing of Farm Umbrella Liability Policies. This insurance is designed to cover above average, family owned farming operations. Umbrella Liability Insurance is provided over declared Primary Liability Insurance. II. SCOPE OF COVERAGE The policy will pay on behalf of the insured the ultimate net loss in excess of the retained limit which the insured shall become legally obligated to pay as damages because of Personal Injury or Property Damage. Retained limit is the limit on other policies that the insured is required to carry, or the Self-Insured Retention (Deductible), for those exposures where primary coverage is not required. Ultimate net loss is the amount actually paid in settlement or satisfaction of a loss for which the insured is liable. III. LIMITS OF LIABILITY Manual rates and minimum premiums are for a basic policy limit of $1,000,000. Increased limits up to a total policy limit of $2,000,000 may be provided in accordance with the applicable rating rule. These limits contemplate that the basic Self-Insured Retention (Deductible), shall be $1,000. IV. INELIGIBLE EXPOSURES In addition to the ineligible exposures relative to the Personal Umbrella, the following exposures are not eligible for coverage under this program if they are carried on as a principal operation: A. Any Farm involving a Manufacturing or Processing Operation (including grain elevators) B. Racehorse Farms C. Resort or Dude Ranches including hunting services D. Farms with another operation on premises which produces a greater income than farming E. Commercial Operations: 1. Hatcheries and Poultry (Layer or Broiler) operations 2. Livestock feedlots when not incidental to a farming operation 3. Greenhouses 4. Mushroom Farms 5. Commercial fertilizer exposures including application, blending, mixing, or storage F. Corporate Farms, Partnerships and "Contract" Farm Operations where the owner contracts with other farmers to use his farm machinery to harvest their crops. BMIC (04-13) 8 FUL

G. Crop dusting by aircraft H. Truck filings required by the Interstate Commerce Commission, Public Service Commission or any similar filings I. Automobile exposures with a regular radius of operation over 200 miles J. Farms engaged in the business of the transportation of anhydrous ammonia, L.P.G., L.N.G., highly flammable, explosive or caustic chemicals or gases on public highways K. Risks with over 15% of farm income in custom farming receipts; however, custom farming receipts cannot exceed $50,000 L. Farm/ranch operations with gross income exceeding $4,500,000 annually (see rating section) M. Farms engaged in the transportation of any goods or products for anyone other than themselves N. Annual hunting lease receipts greater than $20,000 or involving more than 4 hunters. V. MINIMUM REQUIRED UNDERLYING LIABILITY LIMITS The following limits are absolute minimums. Higher limits may be required on certain risks. Sub-limits offered on primary underlying policies must not cause the umbrella policy to drop down and attach below the following required underlying liability limits: A. PERSONAL LIABILITY - Farmers Comprehensive Personal Liability or Liability section of a Farmowners policy. (For owner occupied farms leased to others, Lessee is also required to carry minimum $300,000 FO CPL limits.) B. AUTOMOBILE LIABILITY 1. PRIVATE PASSENGER AUTOS AND LIGHT TRUCKS (10,000 pounds GVW or less) with youthful drivers present (age 25 or under) with one moving violation or at fault accident within three year period 2. MEDIUM TRUCKS (10,001 to 20,000 pounds GVW) and light heavy trucks (20,001 to 35,000 pounds GVW) - this includes pickup type trucks equipped with a fifth wheel coupling device for goose neck trailers $500,000/500,000 Bodily Injury $100,000 Property Damage or $500,000 Combined Single Limit $500,000/500,000 Bodily Injury $100,000 Property Damage or $500,000 Combined Single Limit 3. HEAVY TRUCKS (35,001 to 45,000 pounds GVW) and extra-heavy trucks (45,001 pounds GVW and over). $1,000,000/$1,000,000 Bodily Injury $100,000 Property Damage BMIC (01-15) 9 FUL

NOTE: Farm grain trucks with GVW up to 45,000 pounds and operated within a radius of 50 miles from the farm, may be written over a limit of 500,000/500,000 or 500,000 CSL. or $1,000,000 Combined Single Limit GVW (Gross Vehicle Weight) is the maximum loaded weight for which a single vehicle is designed, as specified by the manufacturer. 4. ALL OTHER $300,000/300,000 Bodily Injury 0r 250,000/500,000 Bodily Injury, 100,000 Property Damage or 300,000 Combined Single Limit C. Un/Underinsured Motorists Limit must be the same as that carried for Automobile Liability D. Non-Licensed Recreational Vehicles (Off Premises Liability) E. WATERCRAFT LIABILITY NOTE: No Farm Umbrella coverage is available for any Watercraft greater than 50 feet in length or any Watercraft requiring a crew F. CUSTOM FARMING WITH RECEIPTS IN EXCESS OF $5,000 G. ALL OTHER BUSINESS PURSUITS including Home Based Business and Pick your own, receipts not to exceed $250,000 H. "INCIDENTAL" BUSINESS PURSUITS NOTE: This exposure is not meant to cover more than eight (8) rental units I. EMPLOYERS LIABILITY (where required by Law or Insurance Department Regulation) $500,000 each occurrence Bodily Injury by Accident $100,000 each Accident Bodily Injury by Disease $500,000 Policy Limit Bodily Injury by Disease $100,000 each Employee BMIC (01-15) 10 FUL

RATING for basic policy limits of $1,000,000 A. PERSONAL LIABILITY FOR CULTIVATED FARMS 1. Initial farm (includes 640 acres and $1,500,000 in general farm $113 receipts and $5,000 in receipts for custom farming) 2. Total farm acreage 641 to 1,280 acres $38 3. Each additional 640 acres $25 FOR RANCHES USED FOR GRAZING ONLY 1. Total farm acreage 1 to 4,999 acres $113 2. Total farm acreage 5,000 to 9,999 acres $138 3. Total farm acreage 10,000 to 14,999 acres $156 4. Total farm acreage 15,000 to 19,999 acres $175 5. Total farm acreage 20,000 to 29,999 acres $206 6. Over 30,000 acres must be submitted to COMPANY ADDITIONAL CHARGES FOR CULTIVATED FARMS OR RANCHES 1. Each additional farm owned, rented or occupied and each $25 seasonal residence 2. Horses $6 each 3. Principal residence located on Territory I $25 4. In-ground and above ground pools (including temporary inflatable) - Hot tubs - no charge B. AUTOMOBILES, TRUCKS, MOTORCYCLES, ANTIQUE VEHICLE, TRAILERS, MOTOR SCOOTERS &/OR MOTOR HOMES owned, leased, furnished, or regularly used by insured, spouse, ward, resident relative 1. Private passenger auto or light truck $56 2. Each additional private passenger auto or light truck 3. Medium truck 4. Light-heavy truck 5. Heavy or extra-heavy truck 6. Each youthful operator (age 25 and under) 7. Each vehicle registered in Territory I 8. Un/Underinsured Motorists (each vehicle) 9. Motor Home 10. Antique Vehicles (registered) 11. Trailers (25 ft. in total length or >) - Any trailer < 25 ft. total length Multiple Trailers (Regardless of the number of trailers owned, only charge for the number of trailers equivalent to the properly equipped vehicles on the underlying PAP) $38 $75 $106 $125 $125 $50 $44 $69 $56 No Charge # of Veh. w/ tow hitch X $56 subject to 25 ft or > C. RECREATIONAL VEHICLES (registered or non-registered) All Snowmobiles, Dune Buggies, All Terrain Vehicles (ATV's), Minibikes, Trail Bikes, Golf Carts or any other vehicles not licensed for highway use and insured for use off the insured's premises $56 each BMIC (01-15) 11 FUL

D. WATERCRAFT LIABILITY up to 50 feet 1. Non-powered 2. Sailboards up to 50 feet a. Up to 26 feet b. Greater than 26 feet c. Greater than 50 3. Power Boats up to 50 feet a. less than 26 feet, less than 40 mph b. Greater than 26 feet, less than 40 mph c. Greater than 50 feet, or greater than 40 mph OR If you are unable to determine the maximum speed of the boat, you may use the horsepower derived rule, as an alternative guideline: Power Boats Up to 50 feet a. Non powered or < 25 hp b. Each outboard in excess of 25 hp but less than 50 hp c. Each inboard, outboard or inboard/outboard (50-300 hp) d. Above 300 hp If approved, the rating will apply as follows, multiplied by the primary watercraft liability premium: Underlying Limit Factor 1. $300,000.45 2. $500,000.40 3. $750,000.35 4. $1,000,000.30 4. Jet Skis 1-2 passenger designed jet skis not to exceed 100 horsepower or 900 cc 3-4 passenger designed jet skis not to exceed 120 horsepower or 1000 cc No Charge No charge $19 Submit for approval $44 Submit for approval No Charge $19 Submit for approval $63 minimum charge $44 each $50 each E. 1. CUSTOM FARMING Receipts over $5,000 to $50,000 $2.50 per $1,000 of receipts 2. GENERAL FARMING RECEIPTS $1,500,001 up to $2,500,000 $2,500,001 up to $3,500,000 $3,500,001 up to $4,500,000 Refer receipts > $4,500,001 3 $625 $938 F. "INCIDENTAL" BUSINESS PURSUITS 1. Each professional office located in insured s home with business invitees 2. Each residence rented or leased or held for rental or leased to others (Subject to a maximum of 8 units) For the first four units: For units 5-8: $13 $25 each $63 each G. ALL OTHER BUSINESS PURSUITS including Home Based Business with business invitees or Pick Your Own $38 H. HUNTING LEASES per hunter $13 BMIC (04-13) 12 FUL

I. AVAILABLE CREDITS Higher limits must apply to all similar insured exposures for credit deductions. Maximum of one credit only. Choose one of the following credits to apply: 1. FCPL Limit $500,000 or higher* $13 2. Private Passenger and light truck * $13 $500,000/500,000 BI or $500,000 CSL or higher * Not applicable when required as minimum limits 3. Increased Self-Insured Retention a. $ 5,000 b. $10,000 $9 $11 J. MINIMUM PREMIUM FOR A $1,000,000 LIMIT POLICY (represents initial 640 acres farm, $5,000 in custom farming receipts and or $1,500,000 in general farming receipts and two automobiles) $205 K INCREASED LIMITS FACTOR EACH additional $1,000,000 in excess of $1,000,000 to a total policy limit of $2,000,000 50% of the premium charged for the first $1,000,000 for EACH additional $1,000,000 of coverage. L. OTHER EXPOSURES For exposures not covered in paragraphs A to G and where the application of those rates to an individual risk develops a premium which is not properly indicative of the hazard due to unusual or peculiar conditions affecting the risk, then such risk shall be referred to the Company for underwriting and premium determination. M. POLICY PERIOD Policies shall be written for one year only. N. TERRITORY DEFINITIONS Territory I Jackson and St. Louis Counties Territory II Balance of State BMIC (04-13) 13 FUL

BMIC (09-15) 14 FUL