AAA Insurance Package Policy - Training Information

6/1/2012 AAA Insurance Package Policy - Training Information WWW.AUTOCLUBFL.COM Home/Auto & Condo/Auto Claims & Incidents Cov A Limit Exclusions or Buy Back Underwriting One annual policy. One policy number. One deductible for home & auto Home & Auto written with concurrent dates One bill/split bill option payment plans: 10 Pay/Quarterly/Semi-Annual Primary Residence (9+ months) No Lapse in coverage continuous coverage required for both lines Credit SSN not required Binding territory entire state o Ex-wind in wind pool (except Volusia County mainland) o No wind 1500 ft from Atlantic Ocean or Gulf of Mexico o Geo-score - 0.8mls of sinkhole o Sinkhole included subject to AOP ded without inspection in most of state o Some zips require inspection and, if eligible, sinkhole added with 10% ded Home Insured & Property (60 months) o 2 non-weather claims requires underwriting approval o 3 or more - ineligible o 3+ single car, 5+ multi-car, or any 1 driver with 3+ ineligible Basic Coverage Limits - 10% / 50% / 10% $100,000 in liability Deluxe Coverage Limits - 10% / 60% / 15% - $200,000 in liability Ultra Coverage Limits - 10% / 70% / 20% - $300,000 in liability Can exclude Replacement Cost on contents/extended Replacement Cost* Sinkhole can be excluded* * Quote system defaults to include Any scheduled item of $2,500- $5,000 requires appraisal* Any scheduled item of $5,000 or greater requires appraisal* & picture If any item is $5,000 or total schedule is $15,000 underwriting approval is required. Limit is 25% of Coverage A *Appraisal or Bill of Sale to include complete description (if on prior, any age accepted) Can exclude drivers Policy excludes Towing we provide towing through AAA membership Auto loan/lease available 25% of actual cash value Repair/Replace coverage available One deductible for home & auto claim No deductible for all glass (not just front/rear) No deductible required for subrogated claims Initial claims response with visa No minimum limit or square footage requirements RCE completed in Application mode. Variance on calculated Cov A is +15% & -5% Agent binding limit is $750,000 o $750,000 - $925,000 referral to underwriting Sell membership to any client o >$500,000 Central Station Alarm required Provides towing and additional benefits Battery Replacement Animal Liability excluded Towing through AAA does not count as a claim against their insurance policy o $50,000 buy back available for domestic animals not on the dog list Incorporate member benefits in claims settlement o Non-domestic animals allowed (horses, cows, etc.) Discounts all over the United States Screen Enclosure excluded for named storm Provide monetary incentive o Buy back limits: $5,000/10,000/15,000/20,000/25,000 Newer home (2002 and newer) 4 point inspections required for homes 40 yrs or older Mature Operator (55-75yrs) No pictures for Hip roof (roof must be 90% to qualify) - we inspect every risk Good Credit Roof - 15 years for shingle and 25 years for metal, tile, or slate. No flat roofs Lower annual mileage <10,000 Hardiboard & Brick rated as Masonry Veneer Higher Prior BI limits Electric 100 AMPs / no aluminum wiring AAA Members - up to 7% discount Plumbing No polybutylene pipes / Central Heat required Paid in Full - 10% discount No trampolines, diving boards, unfenced pools or skateboard ramps Same Prior Carrier - 5% discount Over 10 acres is a referral to underwriting PC 9 is ok and PC 10 is a referral to underwriting Cov Limits (see attached) Scheduled Property Benefits Auto AAA Membership Competitive Criteria

Package Policy Eligibility Quick Reference Homeowners Coverage INELIGIBLE ITEMS Residence Premises & Condition Attractive nuisances (trampoline, skateboard jump, etc) Unfenced or unenclosed swimming pools/spas Swimming pools with a slide or diving board. Residence premises in deteriorating condition or poorly maintained. Residence premises or farm property where farming or ranching is the occupation of the insured. Residence premises of the following types: 2+ family dwelling, mobile, manufactured, modular or log home, non-site built home, originally built for other than dwelling occupancy or currently used for other than private residence. Residence premises not on a slab foundation Occupancy Residence premises that is not owner occupied 9+ months per year or is rented for any time. Applicant currently owns a home or condo that is uninsured. Residence premise is vacant, unoccupied or for sale. Residence premise is occupied by 3 or more unrelated individuals. Any resident with a prior felony conviction. Claim Activity Risks with prior sinkhole activity. Risks with 3+ homeowners claims in the past 5 years for the applicant and subject property. DWELLING REQUIREMENTS Home System / Features Roof Must be in good condition and replaced in the past 15 years for shingles and 25 years for slate, tile or metal coverings. Flat roofs are ineligible. (Roof rules are not applicable to HO-6). Heating System Must have central heat. Plumbing Must be in good condition with no leaks or history of leaks. Interior water supply pipes must be copper or PVC. No polybutylene plumbing. Electrical Must be in good condition with > 100 amp electrical service and 100% protection by circuit breakers. No knob and tube or aluminum wiring. Must have smoke detectors on all floors & deadbolts locks. Location Wind coverage may not be written in the Citizens windpool area. Certain zip codes are ineligible / referrals (see zip list). Risks in a flood zone A or V must either have flood policy or signed flood rejection form. REFERRAL ITEMS Applicant with foreclosure, repossession, or bankruptcy in the past 5 years. Applicant previously declined, cancelled or non-renewed s in the past 5 years (No referral is necessary if non-renewal was a result of a reduction in hurricane exposure). Business is conducted on the premises. For HO-3 policies, Coverage A greater than $750,000 For HO-6 policies, Coverage A+C greater than $500,000 Liability coverage in excess of $300,000 Coverage A greater than $500,000 with no central station fire & burglar alarm. Risks with 2 claims in the past 5 years for the applicant and subject property combined. Residence premise is located on more than 10 acres. Applicant has a private mortgage or more than 2 mortgages. Residence premise is in an ISO Protection Class 10. 11/19/2008 Page 1

Package Policy Eligibility Quick Reference Coverage INELIGIBLE ITEMS Applicant / Driver Guidelines Applicant without 6 months of continuous BI liability coverage. Applicant with uninsured vehicles in the household. Driver has had auto insurance refused, canceled, or non-renewed for cause in the past 3 years. Driver with a license suspension or revocation in the last 5 years. Driver with an invalid, unverifiable, international, foreign or currently suspended driver s license. Driver with a physical or mental condition which substantially impairs their mechanically assisted driving ability. Driver with a prior felony conviction. Driver who resides in Florida less than 6 months per year. Vehicle Guidelines Vans or trucks with a rated load capacity of one ton or greater (contact UW for exception) Vehicles regularly used by individuals other than residents listed on the policy. Any vehicle modified or customized for use in any competition. Vehicles used for commercial use (including pickup or delivery of goods). Vehicles titled in the name of a business, partnership or DBA. Vehicles with Annual Mileage greater than 40,000 miles. Any vehicles not titled/co-titled to the applicant(s). Any vehicles not garaged at the household location, unless the vehicle is operated by a student away at school within the State of Florida. Any vehicles not garaged in Florida for 9+ months. Salvage vehicles, vehicles with a certificate of destruction, or vehicles previously declared a total loss. Vehicles with a cost new of $100,000 or greater. Vehicle without an ISO symbol. Vehicle on ineligible make list. Risks including physical damage coverage(s) on vehicles 20 years and older are to be referred to the company for approval prior to binding. Incident Guidelines Single car risk with 3+ incidents or multi car risk with 5+ incidents in 3 years. Single car risk with more than 1 serious violation or any major violations in 3 years. Multi car risk with more than one serious or major violation in 3 years. Any driver with 3+ incidents in 3 years. Driver with DUI in last 5 years. Agent Services Phone Number: (877) AGENT-51 11/19/2008 Page 2

Auto Club Insurance Company of Florida Package Policy Quick Reference Agent Services Number: (877) AGENT-51 Customer Response Unit or Claims Number: (888) 929-4222 Single Family Dwelling and Auto Home Coverages & Deductibles Basic Deluxe Ultra Dwelling (Coverage A) Based on Replacement Cost Based on Replacement Cost Based on Replacement Cost Coverage over 750k requires underwriting approval before binding Other Structures (Coverage B) 10% of Cov A 10% of Cov A 10% of Cov A Add'l limits available Personal Property (Coverage C) 50% of Cov A 60% of Cov A 70% of Cov A Add'l limits available Loss of Use (Coverage D) 10% of Cov A 15% of Cov A 20% of Cov A Add'l limits available Personal Liability (Coverage E) 100,000 200,000 300,000 500k limit available, requires underwriting approval before binding Medical Payments to Others (Coverage F) 1000 2000 5000 Limits up to 5000 available All Other Peril Deductible Options Hurricane Deductible Options 500, 1000, 1500, 2500, 5000, or 10,000 500, 2%, 5%, or 10% Deductible availability based on Cov A amount Optional Home Endorsements Basic Deluxe Ultra Extended Replacement Cost (HO-280) 25% of Cov A Available 25% of Cov A Included Personal Property Replacement Cost (HO-290) Included Personal Injury (HO-82) Included Loss Assessment (HO-35) up to 10,000 available $1,000 included, can increase limits an additional 10,000 Identity Fraud Expense (HO-55) 25,000 Available 25,000 Included Sewers or Drains Backup and Sump Overflow $5,000 Available $5,000 Available $5,000 Included Personal Property Coverage Exclusion (HO-68) Not Available Requires applicant signature form Animal Liability (HO-75) Endorsement provides $50,000 liability coverage for domestic cats & dogs Animal liability excluded in policy Building Ordinance Or Law (HO-257) Scheduled Personal Property (HO-61/66) 25% and 50% (of Coverage A) limits available Golf Cart (HO-109) Max physical damage coverage of 5k for golf carts Screened Enclosures - Hurricane Windstorm (HO-49) Hurricane coverage for screened enclosures excluded in policy Sinkhole (HO-363) Windstorm, Hurricane Windstorm Or Hail Exclusion (HO-221) Requires applicant signature form Dwelling Under Construction Special Coverage (HO-87) Increased Limit On Mold, Fungus, Dry Rot Or Bacteria (HO-430) 10,000 included in policy, limits of 25,000 and 50,000 available for increased limits Office, Professional, Private School Or Studio Use (HO-42) Additional Limit On Credit Card, Forgery & Counterfeit Money (HO- 53) Additional limits of 2000 and 4500 available 500 limit included in policy Auto Coverages & Deductibles Bodily Injury (Coverage AA) Limits Property Damage (Coverage BB) Limits Personal Injury Protection Options Medical Payments (Coverage DD) Limits Uninsured Motorist (Coverage FF) Limits Other Than Collision (Coverage GG) Deductible Options Collision (Coverage HH) Deductible Options Car Rental Expense (Coverage II) Limits Additional Equipment Optional Auto Endorsements Auto Loan/Lease Payoff Repair or Replace Coverage 10, 20, 50, or 100 (in thousands of dollars) Deductible & work loss exclusion options available 1000, 2000, 3000, 5000 50, 100, 200, 250, 500, or 1000 100, 200, 250, 500, or 1000 30 per day/900 max, 40 per day/1200 max, or 50 per day /1500 max up to 15,000 in coverage available (1000 included in policy) Up to 25% of actual cash value of vehicle Stacked / Non-Stacked Available OTC & Collision coverage required for additional limits

Auto Club Insurance Company of Florida Package Policy Quick Reference Agent Services Number: (877) AGENT-51 Customer Response Unit or Claims Number: (888) 929-4222 Condominium and Auto Condo Coverages & Deductibles Building Property (Coverage A) Personal Property (Coverage C) Loss of Use (Coverage D) Personal Liability (Coverage E) Medical Payments to Others (Coverage F) All Other Peril Deductible Options Hurricane Deductible Options Optional Condo Endorsements Personal Property Replacement Cost (HO-299) Personal Injury (HO-82) Loss Assessment (HO-35) Identity Fraud Expense (HO-55) Sewers or Drains Backup and Sump Overflow Animal Liability (HO-75) Building Ordinance Or Law (HO-256) Scheduled Personal Property (HO-61/66) Golf Cart (HO-109) Screened Enclosures - Hurricane Windstorm (HO-149) Sinkhole (HO-366) Windstorm, Hurricane Windstorm Or Hail Exclusion (HO-221) Increased Limit On Mold, Fungus, Dry Rot Or Bacteria (HO-430) Office, Professional, Private School Or Studio Use (HO-42) Additional Limit On Credit Card, Forgery & Counterfeit Money (HO- 53) Auto Coverages & Deductibles Bodily Injury (Coverage AA) Limits Property Damage (Coverage BB) Limits Personal Injury Protection Options Medical Payments (Coverage DD) Limits Uninsured Motorist (Coverage FF) Limits Other Than Collision (Coverage GG) Deductible Options Collision (Coverage HH) Deductible Options Car Rental Expense (Coverage II) Limits Additional Equipment Optional Auto Endorsements Auto Loan/Lease Payoff Repair or Replace Coverage Condominium Unit Owner 1000 (increased limits available) Personal Property amount 30% of Cov C 100,000 or 200,000 or 300,000 or 500,000 1000, 2000, 3000, or 5000 500, 1000, 1500, 2500, 5000, or 10,000 500, 2%, 5%, or 10% Condominium Unit Owner up to 10,000 available 25,000 Available $5,000 Available Endorsement provides $50,000 liability coverage for domestic cats & dogs 25% and 50% (of Coverage A) limits available 10,000 included in policy, limits of 25,000 and 50,000 available Additional limits of 2000 and 4500 available 10, 20, 50, or 100 (in thousands of dollars) Deductible & work loss exclusion options available 1000, 2000, 3000, 5000 50, 100, 200, 250, 500, or 1000 100, 200, 250, 500, or 1000 30 per day/900 max, 40 per day/1200 max, or 50 per day /1500 max up to 15,000 in coverage available (1000 included in policy) Up to 25% of actual cash value of vehicle Coverage > 20% of Cov C requires underwriting approval Coverage over 500k for Cov A+C combined requires underwriting approval before binding Add'l limits available 500k limit requires underwriting approval before binding Deductible availability based on Cov C amount Animal liability excluded in policy Max physical damage coverage of 5k for golf carts Hurricane coverage for screened enclosures excluded in policy Requires applicant signature form for increased limits 500 limit included in policy Stacked / Non-Stacked Available OTC & Collision coverage required for additional limits

PACKAGE POLICY HOMEOWNERS COVERAGE OPTIONS Property Coverages Liability Coverages Special Limits - Pers. Prop. COVERAGE BASIC DELUXE ULTRA Cov A (Dwelling) Cov B (Other Structures) Can choose limit up to 5% lower or 15% higher than RCE 10% of Cov A* Cov C (Personal Property) 50% of Cov A* 60% of Cov A* 70% of Cov A* Cov D (Loss of Use) 10% of Cov A* 15% of Cov A* 20% of Cov A* Extended Replacement Cost Not Included* 25% of Cov A 25% of Cov A Personal Property Replacement Cost Not Included* Included Included Loss Assessment Not Included* $1,000* $1,000* Identity Fraud Expense Not Included* Not Included* $25,000 Sewer Back-up Not Included* Not Included* $5,000 Building Ordinance or Law 0%, 25%, or 50% of Cov A Mold Screened Enclosures (Non-Hurricane) Hurricane Coverage* Fire Department Service Charge Credit Card, Forgery, etc. Refrigerated Food Spoilage Scheduled Personal Property $10,000 included, can be increased to $25,000 or $50,000 Included for coverage up to $25,000 $500 $500 $500 Available Cov E (Personal Liability) $100,000* $200,000* $300,000* Cov F (Medical Payments) $1,000 $2,000 $5,000 Personal Injury Not Included* $200,000* $300,000* Animal Liability Not Included* Optional Endorsement Limit Watercraft Liability Damage to Property of Others Golf Cart Coverage $50,000 (domestic cats & dogs only) Cov E Limit (subject to excl. for watercraft size and horsepower) Cov E Limit for $100,000 liability Money,, Bullion, Coins, etc. $200 $500 $1,000 Securities, Records, Deeds, etc $1,000 $2,500 $5,000 Camper Bodies, Watercraft, Trailers $1,000 $1,000 $1,000 Jewelry or Furs (theft only) $1,000 $2,500 $5,000 Firearms (theft only) $2,000 $3,500 $5,000 Silverware, Goldware, etc. (theft only) $2,500 $3,500 $5,000 Rugs, Tapestries, etc. (theft only) $1,000 $2,500 $5,000 Data Processing Equip. (On Premises) $2,500 $3,500 $5,000 Data Processing Equip. (Off Premises) $1,000 $1,500 $2,500 Collectibles & Fine Arts $1,000 $2,500 $5,000 * Can be purchased or limits increased separately Refer to policy language for full coverage details

5/27/2014 AAA Insurance Package Policy New Business Submission Process Customer decides to purchase a AAA Package Policy. Be sure to make a copy of the: > UM Form > Wind Mitigation Form* > Named Driver Exclusion* > Umbrella Application* * if applicable Send Documents to Email: applications.acicf@autoclubfl.com OR Fax: 813-288-7914 For new business submissions, DO NOT MAIL CHECK to AAA. You can utilize several Payment methods: Agent Sweep Account ACH/EFT CREDIT CARD: VISA,MC,AMEX, DISCOVERY Place the original application in the Agency file. Agency must maintain the application and trailing documents for future audit. purposes. Should you have any questions please do not hesitate to contact Donna Troan Phone: (407) 616-2303 Email: donna.troan@autoclubfl.com