BINDING AUTHORITY BINDING AUTHORITY / PROGRAM DESCRIPTION GENERAL RULES

TABLE OF CONTENTS ELIGIBILITY General 3 Ineligible Risks, 3 Applicant 3 Insurance To Value 3 Occupancy/ Use 3 Secondary / Seasonal Residences. 4 Age 4 Roof 4 Heating And Cooling Systems 4 Swimming Pools 4 Townhouse/ Rowhouse 4 Credit Guidelines 5 BINDING AUTHORITY Prior Insurance 6 Loss History 6 Previous Cancellations / Non-Renewals 6 Hurricane -Tropical Storm 6 BINDING AUTHORITY / PROGRAM DESCRIPTION Binding Authority/ Relationships 7 Loss Settlement 7 Covered Perils 7 GENERAL RULES Policy Term 8 Renewal Plan 8 Cancellation or Reductions in Limits 8 Multiple Company Insurance 8 Transfer or Assignment 8 Single Building Definition 8 Protection Class Information 9 Construction Definitions 9 Mandatory Endorsements 9 Waiver of Premium 11 Premium Rounding 11 PREMIUM CALCULATION Amount of Insurance 12 Age of Dwelling 13 Total Renovations 13 Protection Class / Construction 14 American Traditions Insurance Co. 1 09/07

PREMIUM CALCULATION (cont) Homeowners Program Building Code Effectiveness Grading 14 15 Premium Factors - Non Hurricane Base Rate Secured Community/Building Credit 16 Financial Responsibility 16 Protective Devices 16 Miscellaneous Credit/Debits 16 Premium Factors - Hurricane Base Rate Windstorm Loss Mitigation Credit Factors 17 27 Coverage Options Deductibles 28 Windstorm or Hail Exclusion 28 Water Damage Exclusion 28 Pool Cages and Screen Porches 29 Coverage B Limit 29 Coverage C Limit 29 Increased Section II Limits 30 Personal Injury Coverage 30 Ordinance or Law Coverage (All Forms)... 30 Increased Replacement Cost on Dwelling (HO 3 Only) 31 Personal Property Replacement Cost Coverage (All Forms) 31 Special Personal Property Coverage 31 Personal Property - Unscheduled 31 Personal Property- Scheduled 32 Loss Assessment Coverage 33 Fungi (Mold) Coverage 33 Golf cart Physical Damage & Liability Coverage 34 Animal Liability Coverage 34 Unit-Owners Rental to Others 35 Water Back Up and Sump Overflow 35 Other Insured Location - NO COVERAGE 35 Business Pursuits - NO COVERAGE 35 Incidental Occupancies - NO COVERAGE 35 Additional Fees Florida Hurricane Catastrophe Fund (FHCF) Emergency Assessment 36 Citizens Property Insurance Corporation CPIC) Emergency Assessment 36 Emergency Mgmt. Preparedness & Assistance Trust Fund Surcharge 36 MGA Fee 36 Payment Plans 36 Territory Base Rates 37 39 Catastrophe Charge 40 42 Territory Definitions by Zip Code 43 49 Quote Sheets: HO3, HO6 50 51 American Traditions Insurance Co. 2 09/07

ELIGIBILITY - UNDERWRITING GENERAL Home must be protected with smoke detectors in close proximity of kitchen and sleeping areas, Porches or decks with 3 or more steps leading to them must be protected with properly installed handrails. Homes located in a Special Flood Hazard Area (Zone A or V) must be covered by a Federal Flood insurance policy with matching building limit {or maximum available). This requirement also applies to condominium units on the 2nd floor and below located in a flood zone. Risks that exclude wind coverage must purchase a Citizens Wind-Only policy with matching limits when the risk is HRA eligible. POOL CAGES/SCREEN ENCLOSURES: Coverage must be bought separately. INELIGIBLE RISKS (Applicable to both new and renewal except as noted.) Homes with trampolines Home located on more than 5 acres and located in protection class 9 or 10. Mobile homes and prefabricated homes. Properties located entirely or partially over water. Risks with any prior or current sinkhole activity on the premises whether or not it results in a loss to the dwelling. (New Business only) Risks with vicious dogs or any mix thereof, or exotic animals or farm animals. For details see page 10. Homes of unconventional construction including but not limited to Log Homes. Homes with wood shingled roofs. APPLICANT Credit history will be evaluated for all applicants. (See Credit Guidelines p.5). Must hold title to home with a maximum of two mortgages. INSURANCE TO VALUE Risks insured on an HO3 form must be insured for 100% of replacement cost. OCCUPANCY/USE Residence must be: Owner occupied by owner's immediate family only (no roomers or boarders) unless Unitowners Rentals to Others endorsement is purchased for HO-6. See p. 26 for details. Occupied at least 9 months per year unless risk qualifies for exception outlined in Secondary / Seasonal Residences (p. 3). Used for private residential purposes only. Coverage for business property/pursuits is limited under Section I and excluded from Section II. Incidental business occupancy that includes client traffic or contact with clients is not permitted in this program. American Traditions Insurance Co. 3 09/07

SECONDARY/SEASONAL RESIDENCES A dwelling unoccupied by owner continuously for more than 3 months per year is considered seasonal Seasonal residences are not eligible for coverage in this program unless the residence is owner occupied continuously for a minimum of 4 months per policy year, AND 1. the residence is located within a limited access community or building (requires security guard or passkey gates), OR 2.the residence is equipped with a central station burglar and fire alarm. AGE (at time of New Business) 40 years or less: o Will be issued HO-3 or HO-6 form. o May be written on HO-3 or HO-6 with Water Damage Exclusion endorsement (10% credit) at customer s option. Homes more than 40 years old must be in very good condition and will have been substantially updated. o Also available with Water Damage Exclusion endorsement (10% credit). ROOF (New and Renewal Business) Roof must be in good condition, and are subject to underwriting review. Composition shingle roofs must have been replaced within 20 years. HEATING AND COOLING SYSTEMS (New and Renewal Business) Heating/cooling system must be permanently installed. Homes utilizing space heaters, fireplaces, or wood burning stoves as their primary source of heat are ineligible. SWIMMING POOLS (New and Renewal Business) Must be protected by a locking fence at least 4 ft high, or screened enclosure. Ineligible otherwise. TOWNHOUSE / ROWHOUSE Each unit must be separated by parapet walls or adequate masonry firewalls(ho3 only), There may be a maximum of 8 units per building. (HO3 Only) American Traditions Insurance Co. 4 09/07

CREDIT GUIDELINES The credit of all named insureds will be reviewed in compliance with section 626-9741, F.S. and Florida Rule 698-125.004. Credit is evaluated along with prior claim history, condition of property and other risk factors. Credit history is ordered and a Financial Responsibility (FR) Score is determined on the Named Insured only for all new business policies. Agent must obtain permission from the applicant prior to requesting the credit report. An FR score of 700 or greater qualifies for a discount If the FR Score is below 650, a CLUE report and a property inspection report are ordered. Two or more claims and/or poor condition of the property may make the risk ineligible. ATIC does not make adverse underwriting decisions due to credit when the FR score cannot be generated for either a No Hit or lack of data. A No Hit/No Score qualifies for a discount. For insureds that have been adversely affected by their credit history, credit will be reviewed once every two years, or at the request of the insured, whichever is sooner. The insured will receive a discount if their Financial Responsibility Score has improved to 700 or above. Credit alone is not used to make an adverse decision regarding the acceptance of risk. However, poor credit history coupled with unfavorable claims may result in an adverse decision to accept risk. The consumer will receive an adverse notification letter if the best rate is not obtained due to credit. The specific factors include the credit issues (bankruptcy, involuntary repossessions, child support delinquency, collections, judgements, NSF check, charge off accounts and delinquencies). Any of these that cause the score to be low will be displayed in a letter to the consumer. Additional underwriting guidelines apply to specific endorsements or optional coverages and are contained in the Coverage Options section of this manual (pp.19-26). American Traditions Insurance Co. 5 09/07

BINDING AUTHORITY Agents may bind coverage on risks meeting the following criteria without contacting the company. NEW BUSINESS MAY ONLY BE BOUND VIA OUR INTERNET SYSTEM. Application must be signed and retained in the agents office. Risk must meet the Eligibility/Underwriting guidelines presented on pgs. 3-5. The Amount of Insurance limits on binding authority are stated on page 7. Risks may be written up to 90 days future effective. PRIOR INSURANCE/FORCE PLACED Risks with no prior or force placed insurance need to receive Underwriting approval prior to binding. LOSS HISTORY New business risks with one previous property claim within the last 5 years (excluding acts of God) may be bound based on agent's judgment. New Business with any previous personal liability claims and/or 2 or more property claims within the last 5 years should be referred to company before binding. New business with previous water damage claim(s), or one claim over $5000, must have proof of all repairs and cause of loss in agent file. New Business with prior loss(es) is subject to underwriter review. If the aforementioned conditions are not met we reserve the right to cancel within the first 90 days the policy is effective subject to Florida laws. PREVIOUS CANCELLATIONS / NON-RENEWALS Risks previously canceled for reasons' other than reduction of hurricane exposure should be referred to company before binding. HURRICANE - TROPICAL STORM Agents binding authority automatically terminates for new business and coverage increases when a "Hurricane or Tropical Storm Warning" has been issued by the National Weather Bureau based on the following rules: Hurricanes: Binding is restricted when the Hurricane Watch or Warning is within the following boundaries: 72 W longitude, 15 N latitude, 90 W longitude, 32 N latitude Tropical Storms: Binding is only restricted in areas under a tropical storm warning. The rest of the state remains open. Tropical Storms do not result in binding restrictions when they are within the latitude and longitude coordinates defined within the Hurricane binding restrictions stated above. The Restrictions stated above do not apply to: Home closings (new purchases), A copy of the closing statement is required with the application. Business bound prior to the restriction going into effect. American Traditions Insurance Co. 6 09/07

BINDING AUTHORITY LIMITS / PROGRAM DESCRIPTION Coverage HO-3 HO-6 A - Dwelling $100,000 to $35,000 to $550,000 $100,000 B - Other structures 2% to 20% N/A of Cov A C - Contents Up to 75% $ 25,000 to of Cov A $150,000 D - Loss of Use 10% of Cov A 40% of Cov C E - Personal Liability $100,000 to $100,000 to $300,000 $300,000 F - Medical Payments $1,000 to $1,000 to $5,000 $5,000 LOSS SETTLEMENT Coverage A,B,.D Coverage C HO-3 & HO-6 Replacement Cost Actual Cash Value COVERED PERILS HO-6, HO-3 (Coverage C): Fire or Lightning, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles or Smoke, Vandalism or Malicious Mischief, Theft, Volcanic Eruption. Falling Objects, Weight of Ice, Snow or Sleet, Accidental Discharge of Water or Steam, Sudden and accidental tearing apart of a heating system or appliance, freezing, Sudden accidental damage from Electrical Current. HO-3 (Cov. A, B, & D), HO-6 (Cov. A): All risks with certain exceptions (exclusions). American Traditions Insurance Co. 7 09/07

GENERAL RULES POLICY TERM The standard policy term is one year and may be extended for successive policy periods by renewal. RENEWAL PLAN If the company elects to offer renewal, policy may be renewed by the policyholder by paying the renewal premium prior to the expiration of the current policy. Renewal policy will be issued based on the premiums, forms and endorsements in effect at time of renewal. A new declaration page will be issued. CANCELLATION OR REDUCTIONS IN LIMITS OF LIABILITY OR COVERAGE Mandatory coverages may not be canceled unless the entire policy is canceled. If insurance is increased or reduced, the additional or return premium shall be computed on a pro-rata basis. The insured may cancel the policy at any time for any reason. We will refund any unearned premium pro rata, MULTIPLE COMPANY INSURANCE We will not provide coverage for a dwelling that is also covered by another insurance policy. TRANSFER OR ASSIGNMENT No transfers or assignments are permitted. Each insured and/or property will require submission of a new application. SINGLE BUILDING DEFINITION All buildings or sections of buildings that communicate through unprotected openings shall be considered as a single building. Buildings that are separated by space shall be considered as separate buildings. Buildings or sections of buildings, which are separated by a 6-inch reinforced concrete or 8-inch masonry party wall that pierces or rises to the underside of the roof and pierces or extends to the inner side of the exterior wall, shall be considered a separate building. Accessibility between buildings with independent walls or through masonry party walls described above shall be protected by at least a Class A Fire Door installed in a masonry wall section. American Traditions Insurance Co. 8 09/07

PROTECTION CLASS INFORMATION The Protection Class listings in the Public Protection Classification Manual apply. Use PC 10 for unclassified areas, in a classified area where two or more classifications are shown (e.g. 6/9), the classification is determined as follows: Miles to Fire Station Feet to Hydrant Class Less than 5 Less than 1,000 first PC Less than 5 More than 1,000 9 More than 5 10 Protected Subdivision Rule: A dwelling located in a qualifying restricted subdivision will receive the rating of the responding fire department if: The subdivision is under development with recorded plat and paved roads where dwellings are built by licensed contractors subject to building restrictions as to type and square footage. The subdivision contains at least 10 houses on lots 5 acres or less. The subdivision is within 5 miles travel distance of a responding fire department. The home is located within 1,000 feet of fire hydrant, or responding fire department is equipped to transport water or pump water from swimming pools or other sources within 1,000 feet of the home. CONSTRUCTION DEFINITIONS Frame - exterior wall of wood or other combustible construction, including wood-iron clad, stucco on wood or plaster on combustible supports, and aluminum or plastic siding over frame. Masonry Veneer - exterior walls of frame construction veneered with brick or stone. (rate as masonry). Masonry - exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile, or similar materials, and floors and roof of combustible construction. Superior Construction - exterior walls, floors, and roof constructed of masonry or other non-combustible materials. Note: Mixed (Masonry/Frame) - a combination of both frame and masonry construction shall be classified as Frame when the exterior walls of frame construction {including gables) exceed 25% of total exterior wall area; otherwise classify as Masonry. MANDATORY ENDORSEMENTS 1. Endorsement ATIC HO 09 SP 04 06 is attached to all policies. It includes the ISO Special Provisions (HO 01 09 06 94) in addition to the following: American Traditions Insurance Co. 9 09/07

Diving Board, Slide and Trampoline exclusion excludes liability (Coverage E only) for damages caused by these items. Personal Watercraft Exclusion - excludes physical damage and liability coverage for any loss resulting from the ownership and operation of a personal watercraft (jet skis, wave runners, etc.) Additional Living Expense Loss Participation (hurricane loss only) - requires the policyholder to pay 20% of temporary living expenses for hurricane losses. Amends the basic coverage form to comply with Florida Law. Adds Animal Liability Exclusion - excludes liability (coverage E only) for damages caused by certain animals owned by the insured. No dogs are covered unless the optional dog coverage is purchased. Refer to the list below for breeds that are ineligible for the optional dog coverage: Class I, II or III animals requiring a permit as per FAC 68A-A.002 through 68A-A.0022 are not covered. Note that only animals requiring a permit are not covered. Here is a partial list of some animals are that are eligible for coverage: a) reptiles and amphibians, non-venomous and unprotected. b) gerbils, hedgehogs, guinea pigs c) shell parakeets d) hamsters e) gerbils f) canaries g) rabbits h) domestic cats Refer to our website for complete eligibility listings. Ineligible Dog Breeds In order to further clarify this position, ATIC deems the following breeds or types of dogs as per se dangerous, thereby rendering the risk ineligible to be written under any circumstances: Akita Chow Chow Doberman Pinscher German Shepherd Pit Bull Presa Canario Rottweiler Staffordshire Terrier Wolf Hybrids Any mixed breed dog containing any of the above breeds, no matter what the percentage. Any dog that has ever been trained as and/or used as a guard dog or attack dog Any dog that has ever been trained or used in military or police work Any dog belonging to a breed that was historically bred for fighting Any dog that has ever bitten anyone or has exhibited aggressive behavior towards people. American Traditions Insurance Co. 10 09/07

This is not an all-encompassing list. ATIC reserves the right to amend this list at any time. It is expected that all ATIC representatives and agents will exercise sound judgment and common sense in dealing with situations not specifically described above. In the event of any uncertainty or questions, ATIC s Underwriting Department should be contacted for clarification or further discussion. Windstorm Exterior Paint or Waterproofing exclusion (AT 23 70 04 06) is attached to all policies that include wind coverage in the following territories: 100-146, 180-464, 470-481. This endorsement excludes damage from windstorm or hail to all paint or waterproofing material applied to the exterior of any building or structure. WAIVER OF PREMIUM When a policy is first issued or endorsed after the inception date, additional or return premium of less than $5 is waived. However, we will return unearned premium upon request PREMIUM ROUNDING When calculating premium, adjusted base rates and premiums for each optional coverage are rounded to the nearest whole dollar before summing. HO3 Coverage A is rounded in increments of 1000. HO6 Coverage C is rounded in increments of 1000 American Traditions Insurance Co. 11 09/07

PREMIUM CALCULATION This section provides explanation of how premiums are determined and what adjustments are applied to price each risk, Rates for optional coverages follow premium adjustments. Two base rates apply to each territory: "Hurricane" and "Non Hurricane". Premium adjustments apply to the Hurricane Base Rate (HUR), the Non Hurricane Base Rate (NHR), or both Base Rates. Premium adjustments are calculated by multiplying the factors provided below by the appropriate base rate (HUR, NHR, or both) to calculate adjusted base rates. Optional coverages that result in additional premium are presented beginning on page 17. Additional premiums are presented as a dollar amount, or a percentage of the unadjusted base rates. AMOUNT OF INSURANCE HO 3 HO 6 Cov A Factor Cov A+ C Factor $75,000 1.00 $26,000 1.00 The factor for Coverage amounts greater than $75,000 for HO 3 and $26,000 for HO 6 are determined by dividing the desired coverage amount by $75,000 or $26,000 respectively. For example, the factor for $125,000 (HO3) equals 125/75 or 1.67. American Traditions Insurance Co. 12 09/07

AGE OF DWELLING X - Wind Age of Home Credits Full Coverage Age of Home Credits NHR HUR NHR HUR FORM Age FORM Age Factor FORM Age FORM Age Factor Factor Factor HO-3 & 6 0 0.55 HO-3 & 6 2005+Newer* 0.76 HO-3 & 6 0 0.65 HO-3 & 6 2005+Newer* 1.00 1 0.55 2004* 0.83 1 0.65 2004* 1.00 2 0.60 2003* 0.91 2 0.65 2003* 1.00 3 0.60 2002* 0.95 3 0.65 2002* 1.00 4 0.60 2001 0.95 4 0.65 2001 0.95 5 0.60 2000 0.95 5 0.65 2000 0.95 6 0.65 1999 0.95 6 0.65 1999 0.95 7 0.70 1998 0.95 7 0.70 1998 0.95 8 0.70 1997 0.95 8 0.70 1997 0.95 9 0.75 1996 0.95 9 0.75 1996 0.95 10 0.84 1995 1.00 10 0.84 1995 1.00 11 0.84 1994 1.20 11 0.84 1994 1.20 12 0.90 1993 1.35 12 0.90 1993 1.35 13 0.92 1992 1.50 13 0.92 1992 1.50 14 1.00 1991 1.50 14 1.00 1991 1.50 15 1.05 1990 1.50 15 1.05 1990 1.50 16-17 1.15 1989 1.50 16-17 1.15 1989 1.50 18-19 1.38 1987-88 1.50 18-19 1.38 1987-88 1.50 HO-3 & 6 20-21 1.38 HO-3 & 6 1982-86 1.45 HO-3 & 6 20-21 1.38 HO-3 & 6 1982-86 1.45 22-24 1.70 1977-81 1.40 22-24 1.70 1977-81 1.40 25-30 1.70 1972-76 1.40 25-30 1.70 1972-76 1.40 31-40 1.50 1962-71 1.30 31-40 1.50 1962-71 1.30 41-50 1.20 1952-61 1.30 41-50 1.20 1952-61 1.30 51& + 1.20 1951 & + 1.20 51 & + 1.20 1951 & + 1.20 Age is determined by subtracting the year in which construction of the residence was completed from the year in which the policy is effective. The maximum age of a dwelling written on an HO3 form is 75 years. TOTAL RENOVATIONS If acceptable documentation demonstrates that a residence has been totally* renovated, the year in which the total renovation began may be used as the date of construction. Total renovation will require a new company certificate of occupancy, totally new electrical, plumbing (above the slab), heating and A/C, roof and window systems, and must be verified by a certified inspector based on an on site inspection. *Complete documentation should be submitted to Underwriting prior to binding. American Traditions Insurance Co. 13 09/07

PROTECTION CLASS / CONSTRUCTION Apply to Non Hurricane Base Rate (NHR): Frame HO6 1-6 7 8 9 10 HO6 1.10 1.50 1.60 2.10 2.75 Frame HO3 1.00 1.30 1.40 2.30 2.50 HO6 1.05 1.10 1.15 1.20 1.25 Masonry HO3 0.87 1.00 1.00 1.45 1.50 HO6 1.00 1.05 1.10 1.20 1.25 Superior HO3 0.75 0.80 0.90 1.00 1.25 Apply to Hurricane Base Rate (HUR): Construction Frame Masonry Superior Factor 1.00.80.75 BUILDING CODE EFFECTIVENESS GRADING The Building Code Effectiveness Grading Schedule develops a grade of 1 to 10 for a community based on the adequacy of its building code and the effectiveness of its enforcement of that code. Policies may be eligible for special rating adjustments subject to the criteria in this section. In some communities, two Building Code Effectiveness Grades may be assigned. One grade will apply to 1 and 2 family dwellings and the other to multiple unit dwellings. The Public Protection Classification Manual will indicate the application of each grade. The Building Code Effectiveness Grades for a community, and their effective dates, are provided in the Public Protection Classification Manual published by ISO Commercial Risk Services, Inc. American Traditions Insurance Co. 14 09/07

BUILDING CODE EFFECTIVENESS GRADING (cont.) Community Grading Homeowners Program The Building Code Effectiveness Grade applies to any building that has an original certificate of occupancy dated in the year of the effective date of the community grading, or later. If a community is regraded subsequent to its initial grading, the factor for the revised grade applies to buildings that have an original certificate of occupancy dated the year of the effective date of the revised grading, or later. Where certificates of occupancy are not issued, reasonable evidence of year of construction will be accepted. If, due to an addition or alteration, the original building is changed to comply with the latest building code, the factor for the community applicable at the time the reconstruction is completed will apply. Individual Grading Where buildings have been built in full conformance with the natural hazard mitigation elements of one of the nationally recognized building codes even though the community grade is greater than 1, or the community is not participating in the program, exception rating procedures may apply. Any building may be classified as Grade 1 for Windstorm/Hail upon certification by a registered or licensed design professional based on an on-site inspection, that such building is in compliance with one of the three nationally recognized building codes with respect to mitigation of the windstorm and/or hail hazard. This classification is effective only from the date of the certification. Ungraded and Nonparticipating Risks Buildings that do not meet the criteria above for community or individual grading should be coded as "Upgraded". Do not classify as 10. Grade 1 2 3 4 5 6 7 8 9 10 Ungraded HUR 0.88 0.91 0.92 0.94 0.95 0.97 0.98 0.98 0.99 1.00 1.01 Factor NHR 0.97 0.97 0.97 0.98 0.98 0.98 0.99 0.99 0.99 1.00 1.01 American Traditions Insurance Co. 15 09/07

PREMIUM FACTORS - NON HURRICANE BASE RATE Applicable Credits/Debits (subject to a maximum discount of 40% of the Non Hurricane Rate (NHR x Amt of Ins X PC/Const Factor X Age of Dwelling x BCEG code) The Sprinkler system discount is not subject to the minimum factor cap) Factor/Discount Secured Community/Building Credit: A single entry leads into the sub-division (applies to HO3) or community is protected by 24-hour security patrol..90/.10 24 hour-manned gates protect all entrances to community or passkey gates protect all entrances to the community..85/.15 HO6 policies qualify for the same credits if the building or complex is protected as required for the community on HO3. Financial Responsibility: Financial responsibility credits are available based on an independent grade derived from applicants' credit record. Level 1: Score of 700-749.90/.10 Level 2: Score of 750 or greater.80/.20 Protective Devices Fire alarm reporting to fire or central station..90/10 or Complete home sprinkler system.85/.15 Complete local burglar alarm (covers all exterior doors & windows).95/.05 or Complete burglar alarm reporting to police or central station.90/.10 Miscellaneous Credit/Debits Smoker surcharge (Any resident smokes tobacco products) 1.05/-.05 Senior/retiree discount.90/.10 Applicant has attained age of 50 Wood Burning stove 1.10/-.10 Companion Policy discount.95/.05 Accredited Builder discount.95/.05 Hardiplank Siding discount.95/.05 Electronic Policy Distribution discount.99/.01 American Traditions Insurance Co. 16 09/07

PREMIUM FACTORS - HURRICANE BASE RATE Windstorm Loss Mitigation Features Roof Covering Roof covering performance is important since partial loss of the covering allows hurricane rainwater to enter the building. Roof Deck Roof deck attachment during a hurricane is critical to the survival of the building. Once the building loses one or more pieces of roof deck the losses increase exponentially due to the vast amounts if water that enters the building. Roof-to-Wall Connection One of the most important connections in a house is the roof-towall connection. The critical loads on the roof are negative (suction) pressures that produce uplift forces on the roof. Toe-nailed roof-to-wall connections, a relatively common building practice in the past, are especially vulnerable to failure. Properly installed hurricane straps that connect the roof truss to the wall frame generally provide for adequate resistance to uplift roof failures. Roof Shape The shape of the roof influences the aerodynamic loads experienced by the roof covering, roof deck, roof framing and connections. Opening Protection Openings include windows, doors, sliding glass doors, skylights, garage doors, etc. Openings can fail in various ways. The most common is from impact by wind-borne debris. Once the building envelope is breached, the internal pressures build up and increase the likelihood of roof failures. Garage doors and other doors and skylights are also vulnerable to failure. Any glazed opening, unless it is protected or is impact resistant, is highly vulnerable to failure from flying debris. Terrain Exposure: Exposure C Broward and Miami-Dade counties (HVHZ), barrier islands, and 1500 ft from the coastline in the rest of the state. Exposure B Remainder of the state. American Traditions Insurance Co. 17 09/07

American Traditions Insurance Co. 18 09/07

FBC 2001 CONSTRUCTION - OTHER ROOF SHAPE FBC WIND INTERNAL NO OPENING WIND SPEED PRESSURE PROTECTION ROOF TERRAIN SPEED OF DESIGN DECK EXPOSURE (MPH) (MPH) DESIGN WBDR NO SWR SWR OTHER B 100 =100 ENCLOSED NO 0.68 0.69 ROOF DECK B 110 =110 ENCLOSED NO 0.72 0.73 OR B =120 =120 ENCLOSED NO 0.74 0.75 DIMENSIONAL B OR C =120 =120 ENCLOSED / PART. ENCL YES 0.77 0.80 LUMBER DECK HVHZ ENCLOSED YES FBC WIND INTERNAL OPENING WIND SPEED PRESSURE PROTECTION ROOF TERRAIN SPEED OF DESIGN WINDOWS OR ALL DECK EXPOSURE (MPH) (MPH) DESIGN WBDR NO SWR SWR OTHER B 100 =100 ENCLOSED NO 0.74 0.74 ROOF DECK B 110 =110 ENCLOSED NO 0.78 0.78 OR B =120 =120 ENCLOSED NO 0.79 0.79 DIMENSIONAL B OR C =120 =120 ENCLOSED / PART. ENCL YES 0.82 0.84 LUMBER DECK HVHZ ENCLOSED YES 0.82 0.84 FBC = FLORIDA BUILDING CODE HVHZ = HIGH VELOCITY HURRICANE ZONE (Miami-Dade and Broward counties, FBC sections 202 AND 1611ff) WBDR = WIND BORNE DEBRIS REGION SWR = SECONDARY WATER RESISTANCE REINFORCED CONCRETE ROOF DECK includes SWR; Integral with Reinforced Masonry Walls PART. ENCL = PARTIALLY ENCLOSED American Traditions Insurance Co. 19 09/07

FBC 2001 CONSTRUCTION - HIP ROOF FBC WIND INTERNAL NO OPENING WIND SPEED PRESSURE PROTECTION ROOF TERRAIN SPEED OF DESIGN DECK EXPOSURE (MPH) (MPH) DESIGN WBDR NO SWR SWR OTHER B 100 =100 ENCLOSED NO 0.78 0.79 ROOF DECK B 110 =110 ENCLOSED NO 0.78 0.79 OR B =120 =120 ENCLOSED NO 0.78 0.78 DIMENSIONAL B OR C =120 =120 ENCLOSED / PART. ENCL YES 0.81 0.83 LUMBER DECK HVHZ ENCLOSED YES REINFORCED B ANY ENCLOSED NO 0.81 CONCRETE B ANY ENCLOSED / PART. ENCL YES 0.82 ROOF C ANY ENCLOSED / PART. ENCL YES 0.81 DECK HVHZ ENCLOSED YES FBC WIND INTERNAL OPENING WIND SPEED PRESSURE PROTECTION ROOF TERRAIN SPEED OF DESIGN WINDOWS OR ALL DECK EXPOSURE (MPH) (MPH) DESIGN WBDR NO SWR SWR OTHER B 100 =100 ENCLOSED NO 0.81 0.81 ROOF DECK B 110 =110 ENCLOSED NO 0.82 0.83 OR B =120 =120 ENCLOSED NO 0.82 0.82 DIMENSIONAL B OR C =120 =120 ENCLOSED / PART. ENCL YES 0.85 0.86 LUMBER DECK HVHZ ENCLOSED YES 0.85 0.86 REINFORCED B ANY ENCLOSED NO 0.85 CONCRETE B ANY ENCLOSED / PART. ENCL YES 0.85 ROOF C ANY ENCLOSED / PART. ENCL YES 0.89 DECK HVHZ ENCLOSED YES 0.89 FBC = FLORIDA BUILDING CODE HVHZ = HIGH VELOCITY HURRICANE ZONE () WBDR = WIND BORNE DEBRIS REGION SWR = SECONDARY WATER RESISTANCE REINFORCED CONCRETE ROOF DECK includes SWR; Integral with Reinforced Masonry Walls PART. ENCL = PARTIALLY ENCLOSED American Traditions Insurance Co. 20 09/07

Wind Resistive Features for Existing Construction Roof Covering The most common roof covering material in Florida are composition shingles and tiles. Other roof covering materials used in residential construction in Florida includes built-up, metal, slate, wood shakes, and single ply membranes. A key factor in roof covering performance is the method of attachment of the roof covering to the roof deck. The Florida Building Code 2001 has material requirements and attachment specifications that are superior to common roof covering building practices in the past. For composition shingles, these requirements include improved self-seal strips and compliance with ASTM D-3161 (Modified for 110 mph). Thus requirement is commonly referred to as the 110 mph rated shingle. The roof covering specifications of the 1994 SFBC also require improved attachment methods and testing to a similar protocol. Therefore, these roof coverings are considered to be sufficiently similar to FBC roof coverings to be classified in the FBC Equivalent category The rating of roof covering for existing construction can be achieved by requiring the roofing contractor to certify that a prior installation met the 1994 SFBC or the FBC 2001 requirements. Otherwise, the current house roof covering should be rated as non-fbc equivalent. Secondary Water Resistance (SWR) Secondary water resistance (SWR) is a layer of protection that protects the building if the roof covering fails. SWR was included in the FWUA class plan because of its cost-effectiveness as a mitigation technique. This mitigation technique is aimed at keeping rain water out of the house once the roof covering fails. Generally, roof coverings begin to peel off in peak wind gusts ranging from about 70 to 100 mph. The underlayment (felt) also is easily torn and becomes separated from the roof deck, exposing the house interior to water damage. Water enters through the space between pieces of the roof deck. SWR covers these seams and provides for a redundant water proofing of the house. Roof-to-Wall Connection The roof-to-wall connection is another critical connection that keeps the roof on the building and acts to transfer the uplift loads into the vertical walls. This connection is key to the performance of the building due to the large negative pressures acting on the roof. There are several manufacturers of metal connectors for hurricane uplift connectors and each company has a fairly wide load line of products, The most important feature of any of these connectors, other than toe nails, is that the fasteners used to transfer the loads from rafter/truss to strap to top plate or side wall are always loaded in shear (perpendicular to the nail direction), or the strap is embedded into the bond beam of the masonry wall. Proper installation is critical to connector performance. Toe Nail Connection where approximately 3 nails are driven at an oblique angle through the rafter and into the top plate. American Traditions Insurance Co. 21 09/07

Clips pieces of metal that are nailed into the side of the rafter/truss and into the side of the top plate or wall stud. The metal does not wrap around the top of the rafter/truss, and the clip is only located on one side of the connection. Wraps The wrap style straps are attached to the side and/or bottom of the top plate and are nailed to the rafter/truss. Straps that are wrapped on both sides have double the capacity of a single strap. Roof Deck Attachment The most common roof deck types are plywood and Oriented Strand Board (OSB) decks. Prior to the availability of plywood, the most common roof decking material was dimensional lumber or tongue and groove (T&G) boards. Dimensional lumber or T&G are usually 4 to 8 wide boards that are nominally 1 thick (3/4 actual thickness) and are laid in a fashion that is parallel to the ridge. These roof decks are fastened by at least two nails per truss/rafter connection. Because of the inherently large number of nails in dimensional lumber or T&G, the uplift capacity is generally far greater than typical plywood/osb decks. By far the most important feature of roof decks is the attachment to the framing, which is usually achieved by nail fasteners. Nail size, type, spacing, and penetration depth into the truss or rafters determine the uplift resistance of the deck. The thickness of the deck material is important primarily in the determination of the penetration of the nail into the truss/rafter. Prescriptive building codes specify longer nails for thicker decks. For existing construction, the only practical way to determine deck type and fastener type and spacing is by a trained inspector going into the attic. Level A Roof Deck Attachment Plywood/OSB nailed with 6 penny common nails at 6 spacing on the edge and 12 in the field on 24 truss spacing. Level B Roof Deck Attachment Plywood/OSB nailed with 8 penny common nails at 6 spacing on the edge and 12 in the field on 24 truss spacing. Level C Roof Deck Attachment Plywood/OSB nailed with 8 penny common nails at 6 spacing on the edge and 6 in the field on 24 truss spacing. Within 4 of a gable end the nail spacing is 4. Level D Roof Deck Attachment Dimensional lumber and Tongue & Groove Decks. Concrete Roof Deck A reasonable requirement for this type of construction is that the roof deck be designed and constructed in accordance with the provisions of ACI (American Concrete Institute) 318, including integral construction with a masonry wall system. American Traditions Insurance Co. 22 09/07

Roof Shape Roof shape refers to the geometry of the roof and not the type of roof covering. There are many common roof shapes in residential construction. Gable and hip are the most common, although flat, Dutch hip, gambrel, mono slop and many shape combinations are possible. Gable roofs have vertical walls that extend all the way to the top of the inverted V, and are common throughout Florida. A hip roof has slopping ends and slopping sides down to the roof eaves line. Roof shape determines the aerodynamic pressure loads experienced by the roof due to the wind flow and wind direction. American Traditions Insurance Co. 23 09/07

TERRAIN B ROOF SHAPE HURRICANE PREMIUM CREDITS FOR EXISTING CONSTRUCTION OTHER HIP ROOF ROOF DECK ROOF-WALL OPENING COVER ATTACHMENT CONNECTION PROTECTION NO SWR SWR NO SWR SWR None 0.00 0.06 0.47 0.50 TOE NAILS Basic - Windows or All 0.35 0.42 0.62 0.65 Hurricane - Windows or All 0.44 0.51 0.66 0.70 None 0.35 0.42 0.62 0.66 CLIPS Basic - Windows or All 0.47 0.54 0.68 0.73 NON - FBC A Hurricane - Windows or All 0.50 0.57 0.70 0.74 EQUIVALENT (6d @ 6" / 12") None 0.35 0.43 0.62 0.67 SINGLE WRAPS Basic - Windows or All 0.47 0.55 0.68 0.73 Hurricane - Windows or All 0.50 0.58 0.70 0.74 None 0.35 0.43 0.62 0.66 DOUBLE WRAPS Basic - Windows or All 0.47 0.55 0.68 0.73 Hurricane - Windows or All 0.50 0.58 0.70 0.74 None 0.09 0.14 0.49 0.52 TOE NAILS Basic - Windows or All 0.46 0.51 0.63 0.66 Hurricane - Windows or All 0.56 0.61 0.68 0.71 None 0.58 0.65 0.68 0.73 CLIPS Basic - Windows or All 0.65 0.70 0.73 0.76 NON - FBC B Hurricane - Windows or All 0.66 0.72 0.73 0.77 EQUIVALENT (8d @ 6" / 12") None 0.60 0.68 0.68 0.73 SINGLE WRAPS Basic - Windows or All 0.67 0.73 0.73 0.77 Hurricane - Windows or All 0.68 0.73 0.73 0.77 None 0.60 0.68 0.68 0.73 DOUBLE WRAPS Basic - Windows or All 0.67 0.73 0.73 0.77 Hurricane - Windows or All 0.68 0.74 0.73 0.77 None 0.09 0.14 0.49 0.51 C TOE NAILS Basic - Windows or All 0.46 0.51 0.63 0.66 (8d @ 6" / 6") Hurricane - Windows or All 0.57 0.61 0.68 0.71 None 0.59 0.65 0.68 0.73 AND CLIPS Basic - Windows or All 0.65 0.70 0.73 0.76 NON - FBC Hurricane - Windows or All 0.67 0.72 0.73 0.77 EQUIVALENT D None 0.62 0.69 0.68 0.73 (8d @ 6" / 6") SINGLE WRAPS Basic - Windows or All 0.68 0.73 0.73 0.77 DIMENSIONAL Hurricane - Windows or All 0.68 0.74 0.73 0.77 LUMBER None 0.62 0.70 0.68 0.73 DECK DOUBLE WRAPS Basic - Windows or All 0.68 0.74 0.73 0.77 Hurricane - Windows or All 0.69 0.74 0.73 0.77 American Traditions Insurance Co. 24 09/07

TERRAIN C ROOF SHAPE HURRICANE PREMIUM CREDITS FOR EXISTING CONSTRUCTION OTHER HIP ROOF ROOF DECK ROOF-WALL OPENING COVER ATTACHMENT CONNECTION PROTECTION NO SWR SWR NO SWR SWR None 0.00 0.07 0.28 0.32 TOE NAILS Basic - Windows or All 0.29 0.38 0.56 0.62 Hurricane - Windows or All 0.39 0.48 0.64 0.72 None 0.18 0.26 0.44 0.51 CLIPS Basic - Windows or All 0.38 0.48 0.64 0.72 NON - FBC A Hurricane - Windows or All 0.44 0.54 0.68 0.76 EQUIVALENT (6d @ 6" / 12") None 0.20 0.28 0.45 0.51 SINGLE WRAPS Basic - Windows or All 0.39 0.49 0.64 0.72 Hurricane - Windows or All 0.44 0.54 0.68 0.76 None 0.21 0.28 0.45 0.51 DOUBLE WRAPS Basic - Windows or All 0.39 0.49 0.64 0.72 Hurricane - Windows or All 0.44 0.54 0.68 0.76 None 0.09 0.14 0.29 0.33 TOE NAILS Basic - Windows or All 0.44 0.50 0.59 0.64 Hurricane - Windows or All 0.55 0.61 0.69 0.74 None 0.38 0.44 0.57 0.65 CLIPS Basic - Windows or All 0.63 0.71 0.73 0.79 NON - FBC B Hurricane - Windows or All 0.69 0.78 0.76 0.83 EQUIVALENT (8d @ 6" / 12") None 0.48 0.58 0.60 0.71 SINGLE WRAPS Basic - Windows or All 0.67 0.76 0.74 0.81 Hurricane - Windows or All 0.70 0.80 0.76 0.83 None 0.51 0.63 0.61 0.72 DOUBLE WRAPS Basic - Windows or All 0.68 0.79 0.74 0.82 Hurricane - Windows or All 0.71 0.81 0.76 0.83 None 0.09 0.14 0.29 0.33 C TOE NAILS Basic - Windows or All 0.45 0.51 0.59 0.64 (8d @ 6" / 6") Hurricane - Windows or All 0.56 0.61 0.69 0.74 None 0.39 0.45 0.57 0.65 AND CLIPS Basic - Windows or All 0.64 0.71 0.73 0.79 NON - FBC Hurricane - Windows or All 0.71 0.79 0.76 0.83 EQUIVALENT D None 0.49 0.60 0.61 0.73 (8d @ 6" / 6") SINGLE WRAPS Basic - Windows or All 0.69 0.78 0.75 0.82 DIMENSIONAL Hurricane - Windows or All 0.73 0.81 0.76 0.83 LUMBER None 0.55 0.71 0.61 0.74 DECK DOUBLE WRAPS Basic - Windows or All 0.72 0.81 0.76 0.83 Hurricane - Windows or All 0.74 0.83 0.77 0.84 American Traditions Insurance Co. 25 09/07

TERRAIN B ROOF SHAPE HURRICANE PREMIUM CREDITS FOR EXISTING CONSTRUCTION OTHER HIP ROOF ROOF DECK ROOF-WALL OPENING COVER ATTACHMENT CONNECTION PROTECTION NO SWR SWR NO SWR SWR None 0.11 0.14 0.55 0.56 TOE NAILS Basic - Windows or All 0.47 0.49 0.70 0.71 Hurricane - Windows or All 0.57 0.58 0.75 0.76 None 0.49 0.50 0.72 0.73 CLIPS Basic - Windows or All 0.60 0.62 0.78 0.78 FBC A Hurricane - Windows or All 0.63 0.65 0.79 0.80 EQUIVALENT (6d @ 6" / 12") None 0.49 0.50 0.72 0.73 SINGLE WRAPS Basic - Windows or All 0.60 0.62 0.78 0.78 Hurricane - Windows or All 0.63 0.65 0.79 0.80 None 0.49 0.51 0.72 0.73 DOUBLE WRAPS Basic - Windows or All 0.61 0.62 0.78 0.78 Hurricane - Windows or All 0.63 0.65 0.79 0.80 None 0.18 0.20 0.57 0.57 TOE NAILS Basic - Windows or All 0.55 0.57 0.71 0.72 Hurricane - Windows or All 0.66 0.67 0.76 0.77 None 0.70 0.71 0.78 0.79 CLIPS Basic - Windows or All 0.75 0.76 0.81 0.82 FBC B Hurricane - Windows or All 0.77 0.78 0.82 0.83 EQUIVALENT (8d @ 6" / 12") None 0.73 0.74 0.78 0.79 SINGLE WRAPS Basic - Windows or All 0.78 0.79 0.82 0.83 Hurricane - Windows or All 0.78 0.80 0.82 0.83 None 0.73 0.75 0.78 0.79 DOUBLE WRAPS Basic - Windows or All 0.78 0.80 0.82 0.83 Hurricane - Windows or All 0.78 0.80 0.82 0.83 None 0.18 0.20 0.57 0.57 C TOE NAILS Basic - Windows or All 0.56 0.57 0.71 0.72 (8d @ 6" / 6") Hurricane - Windows or All 0.66 0.68 0.76 0.77 None 0.70 0.72 0.78 0.79 AND CLIPS Basic - Windows or All 0.76 0.77 0.81 0.82 FBC Hurricane - Windows or All 0.78 0.78 0.82 0.83 EQUIVALENT D None 0.74 0.76 0.78 0.79 (8d @ 6" / 6") SINGLE WRAPS Basic - Windows or All 0.78 0.80 0.82 0.83 DIMENSIONAL Hurricane - Windows or All 0.79 0.80 0.82 0.83 LUMBER None 0.74 0.76 0.78 0.79 DECK DOUBLE WRAPS Basic - Windows or All 0.79 0.81 0.82 0.83 Hurricane - Windows or All 0.79 0.81 0.82 0.83 None 0.82 REINFORCED CONCRETE ROOF DECK Basic - Windows or All 0.84 Hurricane - Windows or All 0.84 American Traditions Insurance Co. 26 09/07

TERRAIN C ROOF SHAPE HURRICANE PREMIUM CREDITS FOR EXISTING CONSTRUCTION OTHER HIP ROOF ROOF DECK ROOF-WALL OPENING COVER ATTACHMENT CONNECTION PROTECTION NO SWR SWR NO SWR SWR None 0.07 0.10 0.33 0.36 TOE NAILS Basic - Windows or All 0.39 0.42 0.63 0.65 Hurricane - Windows or All 0.49 0.52 0.73 0.75 None 0.28 0.30 0.53 0.54 CLIPS Basic - Windows or All 0.50 0.53 0.73 0.76 FBC A Hurricane - Windows or All 0.56 0.58 0.78 0.80 EQUIVALENT (6d @ 6" / 12") None 0.30 0.32 0.53 0.55 SINGLE WRAPS Basic - Windows or All 0.51 0.54 0.73 0.76 Hurricane - Windows or All 0.56 0.59 0.78 0.80 None 0.30 0.33 0.53 0.55 DOUBLE WRAPS Basic - Windows or All 0.51 0.54 0.73 0.76 Hurricane - Windows or All 0.56 0.59 0.78 0.80 None 0.15 0.18 0.35 0.37 TOE NAILS Basic - Windows or All 0.51 0.53 0.66 0.67 Hurricane - Windows or All 0.63 0.64 0.76 0.78 None 0.46 0.48 0.66 0.68 CLIPS Basic - Windows or All 0.71 0.74 0.81 0.83 FBC B Hurricane - Windows or All 0.78 0.81 0.84 0.86 EQUIVALENT (8d @ 6" / 12") None 0.58 0.61 0.71 0.74 SINGLE WRAPS Basic - Windows or All 0.76 0.79 0.83 0.85 Hurricane - Windows or All 0.80 0.83 0.84 0.86 None 0.63 0.67 0.72 0.76 DOUBLE WRAPS Basic - Windows or All 0.78 0.82 0.83 0.86 Hurricane - Windows or All 0.80 0.84 0.84 0.86 None 0.15 0.18 0.35 0.37 C TOE NAILS Basic - Windows or All 0.51 0.54 0.66 0.67 (8d @ 6" / 6") Hurricane - Windows or All 0.63 0.65 0.76 0.78 None 0.46 0.48 0.66 0.69 AND CLIPS Basic - Windows or All 0.73 0.74 0.81 0.83 FBC Hurricane - Windows or All 0.80 0.82 0.84 0.86 EQUIVALENT D None 0.60 0.63 0.72 0.76 (8d @ 6" / 6") SINGLE WRAPS Basic - Windows or All 0.78 0.81 0.83 0.86 DIMENSIONAL Hurricane - Windows or All 0.82 0.84 0.84 0.86 LUMBER None 0.68 0.74 0.73 0.78 DECK DOUBLE WRAPS Basic - Windows or All 0.81 0.84 0.84 0.86 Hurricane - Windows or All 0.83 0.86 0.84 0.87 None 0.80 REINFORCED CONCRETE ROOF DECK Basic - Windows or All 0.88 Hurricane - Windows or All 0.88 American Traditions Insurance Co. 27 09/07

COVERAGE OPTIONS DEDUCTIBLES For all perils except hurricane (apply to NHR) Amount $500 1,000 2,500 5,000 For losses due to Hurricane (apply to HUR HO3 & HO8 only) Deductible Factor 1.00 0.85 0.80 0.77 $500 2% Cov A 5% Cov A 10% Cov A $100,000-200,000 1.00 0.76 0.70 0.55 >$200,000 1.00 0.75 0.70 0.55 For losses due to Hurricane (apply to HUR HO6 only) Deductible $500 $1000 $2500 $5000 1.00 0.95 0.85 0.70 If there is more than one hurricane loss in a calendar year, the insured s deductible will be larger of the remaining dollar amount of the calendar year hurricane deductible or the deductible that applies to fire that is in effect at the time of the loss. WINDSTORM OR HAIL EXCLUSION The perils of Windstorm and Hail may be excluded in areas where coverage is available from Citizens Property and Casualty. Further, we will require this endorsement in some territories based on capacity. When wind and hail are excluded, apply the following premium factors: NHR:.95 HUR:.00 WATER DAMAGE EXCLUSION The peril of Water Damage may be excluded resulting in a lower premium, in addition to what is automatically excluded in the policy, this endorsement will exclude discharge or overflow of water or steam from within a plumbing, heating, A/C, automatic sprinkler system or from within a household appliance; as well as water penetrating through the roof or exterior walls or windows whether or not driven by wind unless water penetration is a direct result of damage caused by wind or hail. When water damage is excluded, apply the following factors: NHR:.90 HUR:.00 American Traditions Insurance Co. 28 09/07

Homeowne rs Program POOL CAGES, SCREEN ENCLOSURES, AND CARPORTS There is no coverage for hurricane in the base policy for pool cages, screen enclosures and carports. This additional coverage must be purchased separately. Maximum limit is $50,000. Does not increase Coverage A limit. THIS COVERAGE IS ACTUAL CASH VALUE. Rates Coastal Counties: $15 per $1000 Inland Counties: $10 per $1000 LIMITS OF COVERAGES B and C - HO 3 Only Coverage B - Other Structures Insured may select desired coverage limit for other structures located on the residence premises. Other structures may not be rented to others, or used by non-related persons for residence purposes. Minimum coverage equal to 2% of coverage A is included in the basic policy. The following additional coverages are available (apply to NHR and HUR): Coverage C - Contents % of Cov A Factor 5% 1.025 10% 1.06 15% 1.10 20% 1.14 Insured must select desired coverage limit for personal property. Coverage C is available in 5% increments (of Coverage A) to maximum 75%. Base rates include contents coverage equal to 50% of Coverage A. Factor % of Cov A HUR NHR 0%.70.80 25%.85.925 50% 1.00 1.00 75% 1.15 1.125 Factors for amounts between 50% and 25% or 75% are proportional. American Traditions Insurance Co. 29 09/07

INCREASED SECTION II LIMITS All policy forms provide basic limits of $100,000 per occurrence for Coverage E, and $1,000 per person for Coverage F. Additional premium for increased limits in Broward, Dade, Indian River, Martin, Palm Beach and St. Lucie: Coverage E - Liability Coverage F - Medical Payments Limit Additional Premium Limit Additional Premium $200,000 $20 $2,500 $6 $300,000 $30 $5,000 $10 Additional premium for increased limits in all other counties not listed above: Coverage E - Liability Coverage F - Medical Payments Limit Additional Premium Limit Additional Premium $200,000 $10 $2,500 $6 $300,000 $15 $5,000 $10 PERSONAL INJURY COVERAGE Provides liability coverage for personal injury to others for offenses such as false arrest, detention or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or wrongful entry. Additional premium: $15 ORDINANCE OR LAW COVERAGE Provides coverage for increases in cost of reconstruction, repair, or demolition of property that result from local laws or ordinances regulating such. Additional coverage provided by this endorsement is limited to 10%, 25% or 50% of the Coverage A policy limit. Per Florida Statute 627.7011 (b), the 25% endorsement will automatically be provided to any H03 policy issued unless the insured signs a rejection or purchases the 10 % or 50% option. Houses older than 16 years old and older will receive an endorsement limiting roof surfacing coverage to actual cash value unless proof is provided evidencing a roof replacement in the last 10 years. The endorsement is available on all forms. We also provide a 10% option. Additional premium: 10% HO 3 & 6 1% of NH Base X Amt of Ins Factor X PC Factor) + 1% of HUR Base X Amt of Ins Factor X Const Factor) 25% HO 3 & 6 5% of NH Base X Amt of Ins Factor X PC Factor) + 5% of HUR Base X Amt of Ins Factor X Const Factor) 50% HO 3 & 6 10% of NH Base X Amt of Ins Factor X PC Factor) + 10% of HUR Base X Amt of Ins Factor X Const Factor) American Traditions Insurance Co. 30 09/07

INCREASED REPLACEMENT COST ON DWELLING (HO 3 ONLY) This endorsement is intended to cover additional costs of construction that are incurred due to increases in the cost of construction that occur during the policy period. Increased construction cost is normally the result of increased demand relative to supply of labor and materials that can occur subsequent to a catastrophic loss that impacts a substantial number of properties in a region. Additional coverage provided by this endorsement is limited to a maximum of 20% of Coverage A. Coverage must be written for 100% of replacement cost at policy inception. This endorsement does not cover increased construction costs attributable to laws or ordinances governing construction. Additional premium: (5% of NH Base X Amt of Ins Factor X PC Factor)+ (5% of HUR Base X Amt of Ins Factor X Const Factor) PERSONAL PROPERTY REPLACEMENT COST COVERAGE (ALL FORMS) Provides for settlement of losses for contents coverage {Coverage C) on a replacement cost Basis. ACV is paid, when replacement made will pay difference. Additional premium: HO3 (10% of NH Base X Amt of Ins Factor X PC Factor)+ (10% of HUR Base X Amt of Ins Factor X Const Factor) HO6 (20% of NH Base X Amt of Ins Factor X PC Factor)+ (20% of HUR Base X Amt of Ins Factor X Const Factor) SPECIAL PERSONAL PROPERTY COVERAGE- Not available for x-wind policies Provides all risk coverage on contents. Additional premium: HO3 (10% of NH Base X Amt of Ins Factor X PC Factor)+ (10% of HUR Base X Amt of Ins Factor X Const Factor) HO6 (20% of NH Base X Amt of Ins Factor X PC Factor)+ (20% of HUR Base X Amt of Ins Factor X Const Factor) PERSONAL PROPERTY - UNSCHEDULED (ALL FORMS) (Not Available with x-wind; special personal property coverage is mandatory with this coverage.) The special limits of liability in the policy for jewelry, watches, furs ($1,000) and silverware, goldware, pewterware {$2,500} may be increased as follows: Jewelry, Watches and Furs: The special limit of liability of $1,000 may be increased to a maximum of $5,000, but not to exceed $1,000 for any one article. The additional premium shall be $18 for each $1,000 of increased coverage. Silverware. Goldware and Pewterware: The special limit of liability of $2,500 may be increased to a maximum of $10,000. The additional premium shall be $6.50 for each $1,000 of increased coverage. American Traditions Insurance Co. 31 09/07

PERSONAL PROPERTY - SCHEDULED (ALL FORMS) Additional risks coverage may be purchased for the following classes of property. Homeowners Program Property Rate per $100 Antiques Bicycles Cameras & Projection Equipment (non professional) Coins Fine Arts No breakage Breakage Furs Golfer's Equipment Guns: Collectible Fired Jewelry Miscellaneous Personal Property Musical Instruments (non- professional) Other Sports Equipment Silverware Stamps $.90 9.35 1.52 1.80.50 1.00.40 1.40 1.50 3.00 2.00 1.00.60 2.00.45.80 Underwriting Guidelines: Max schedule cannot exceed 25% of Coverage A. Appraisals or bills of sale less than 3 years old must accompany single items worth $2,500 or more. (Copy is acceptable) Jewelry items worth $5,000 or more must be kept in a secure location. Schedules, which total over $20,000 or include individual items worth more than $5,000 should be submitted for approval prior to binding. Central station burglar alarm is required for schedules over $20,000. Prior approval is required for Personal Property floaters on homes in windpool eligible areas or within 1500 feet of tidal water, or located in ISO protection classes 9 or 10. American Traditions Insurance Co. 32 09/07

LOSS ASSESSMENT COVERAGE Provides increased coverage for assessments relating to the residence premises. The basic policy includes $1,000 coverage only at inception or upon renewal. Additional premium: Limit Premium $ 5,000 $15 10,000 25 LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA INCREASED COVERAGE The basic policy includes $10,000 coverage for Fungi (Mold), Wet or Dry Rot or Bacteria. Coverage can be increased as below only ar inception or renewal.. Additional premium: Amount $25,000 each covered loss/ $50,000 Policy aggregate $50,000 each covered loss/ $50,000 Policy aggregate Premium $60 $90 Any request for the $50,000 limit will be on a NON-BINDING Basis. ATIC will perform a/or require physical inspection of the home and the increased limits will be added to the policy upon underwriting approval. We reserve the right to do require additional underwriting steps. American Traditions Insurance Co. 33 09/07

GOLFCART PHYSICAL DAMAGE AND LIABILITY COVERAGE Homeowners Program Extends section I and II coverages to losses arising from the ownership and operation of a golf cart. Coverage does not apply when golf cart is: used to carry persons for a charge, used for business purposes, rented to others, being used outside the boundaries of a retirement community or limited access community unless being used for golfing purposes or traveling to or from a golf course. Option 1: For an additional premium of $75, Endorsement ATIC HO 09 GC includes special limits of liability as follows: Coverage C - Personal Property: $ 5,000 Coverage E - Personal Liability: $ 50,000 Coverage F - Medical Payment to Others: $ 5,000 * The Coverage E limit is increased to meet the underlying limit required by excess umbrella policy covering the insured subject to a maximum limit of $100,000. ANIMAL LIABILITY COVERAGE Extends section II coverage to losses arising from animals you own or keep subject to the limits, exclusions and conditions listed in your policy. This coverage does not cover losses resulting from the prohibited breeds of dogs stated under Ineligible Risks on pg.10. For an additional premium of $25, Endorsement ATIC HO 09 DL includes special limits of liability as follows: Coverage E - Personal Liability: $ 50,000 The limits of liability shown above replace the limits of liability shown on the declarations page for any and all covered losses resulting from animals. American Traditions Insurance Co. 34 09/07

UNIT-OWNERS RENTAL TO OTHERS Provides section I and II coverages when a condominium unit is rented or held for rental to others. Theft coverage is limited by the endorsement while the unit is rented to others. Underwriting guidelines: Insured must occupy the unit as their primary residence at least 4 months each year. Condominium unit must be located in a limited access complex or building. Limited access normally requires a 24-hour security guard. Unit may only be rented on a long-term Basis. Units available for rental for periods of less than 1 week are not eligible, Units rented on a weekly Basis (1-3 week periods) must be submitted to ATIC for underwriting and binding of coverage. Additional Premium Long-Term Rental-For Units rented on a monthly or yearly Basis, the additional premium is 25% of NH Base x Amount of Insurance Factor x PC Factor. Short-Term Rental-For Units rented on a weekly Basis, the additional premium is 25% of NH Base x Amount of Insurance Factor x PC Factor plus $50. WATER BACK UP AND SUMP OVERFLOW The policy may be endorsed to provide coverage for loss resulting from water which backs up through sewers or drains or which overflows from the sump. The limit of liability under this option is $5,000. The policy deductible or $1,000, whichever is greater, applies. This endorsement is only available at inception or upon renewal. Additional premium: $25 OTHER INSURED LOCATION - NO COVERAGE This program does not permit liability coverage for other residences owned by the insured regardless of occupancy. We will provide both property and liability coverage for second residences rented to others or used on a seasonal Basis in our Dwelling Fire program. BUSINESS PURSUITS - NO COVERAGE This program does not offer coverage for liability arising out of business activities. Applicants that conduct business from residence that includes client traffic or contact are not eligible for this program. INCIDENTAL OCCUPANCIES - NO COVERAGE This program does not permit incidental occupancies. American Traditions Insurance Co. 35 09/07

ADDITIONAL FEES Florida Hurricane Catastrophe Fund Emergency Assessment Florida Hurricane Catastrophe Fund (FHCF) Assessment of 1.0% Effective January 1, 2007 (Non Commissionable) (Note not submitted to OIR for approval). Citizens Property Insurance Corporation (CPIC) Emergency Assessment Citizens Property Insurance Corporation (CPIC) Emergency Assessment of 1.4% Effective July 1, 2007 (Non Commissionable) (Note not submitted to OIR for approval). Emergency Management Preparedness and Assistance Trust Fund Surcharge A fully earned annual surcharge of $2.00 will be imposed on every homeowners policy. MGA Fee A fully earned MGA fee of $25.00 is to be charged on each policy subject to F.S, 626,7451(11). PAYMENT PLANS ATIC does not accept premium financing. General Rules: The Payment Plan applies to policy premium only. All policy fees are due at policy inception. Policy fees DO NOT include pay plan fees. The selected payment plan must be indicated on the application. All future renewals will be billed by the same plan unless otherwise instructed by the insured or agent. Payment Fee Schedule: 1 Pay Plan: Full payment at inception. 2 Pay Plan: 50%/50%, plus a $5 service charge with each installment. 3 Pay Plan: 40%/30%/30%, plus a $5 service charge with each installment. 4 Pay Plan: 25%/25%/25%/25%, plus a $5 service charge with each installment. The $5 fee applies to ALL payments and play plans except the 1 Pay Plan. The Following Methods of Payment are Acceptable: 1 Pay Plan: Full payment of the total annual premium plus all policy fees at the inception of the policy. 2 Pay Plan: 50% of the total premium, plus fees, at the inception of the policy with the remaining 50% of the premium due 60 days after the inception of the policy. A $5 service charge is applicable to both installments. 3 Pay Plan: 40% of the total premium, plus fees, at the inception of the policy with the remaining 60% of the premium due in two equal installments 60 and 120 days after the inception of the policy. A $5 service charge is applicable to all installments. 4 Pay Plan: 25% of the total premium, plus fees, at the inception of the policy with the remaining 75% of the premium due in three equal installments 60, 120, and 180 days after the inception of the policy. A $5 service charge is applicable to all installments. Optional Pay Plans o Quarterly Pay Plan: 25% of the total premium, plus fees, at the inception of the policy with the remaining 75% of the premium due in three equal installments 90, 180, and 270 days after the inception of the policy. A 18% annual simple interest service charge is applicable to each installment (2 nd, 3 rd and 4 th payment). The 18% annual simple interest service charge is calculated on the unpaid balance excluding the FHCF and Citizens Assessments, the MGA Fee ($25) and the EMPA Fee ($2). o Semi Annual Pay Plan: 50% of the total premium, plus fees, at the inception of the policy with the remaining 50% of the premium due 180 days after the inception of the policy. A 18% annual simple interest service charge is applicable to the installment (2 nd payment). The 18% annual simple interest service charge is calculated on the unpaid balance excluding the FHCF and Citizens Assessments, the MGA Fee ($25) and the EMPA Fee ($2). American Traditions Insurance Co. 36 09/07

TERRITORY DEFINITIONS BY ZIP CODE Zip Code County Terr # Zip Code County Terr# Zip Code County Terr # 32003 Clay 523 32118 Volusia 145 32217 Duval 390 32008 Suwannee 525 32119 Volusia 442 32218 Duval 390 32009 Nassau 529 32124 Volusia 442 32219 Duval 391 32011 Nassau 529 32127 Volusia 442 32220 Duval 391 32013 Lafayette 527 32128 Volusia 442 32221 Duval 391 32024 Columbia 525 32129 Volusia 442 32222 Duval 391 32025 Columbia 525 32130 Volusia 442 32223 Duval 390 32033 St Johns 450 32131 Putnam 523 32224 Duval 390 32034 Nassau 147 32132 Volusia 442 32225 Duval 390 32038 Columbia 525 32134 Marion 522 32226 Duval 390 32040 Baker 525 32135 Flagler 146 32227 Duval 410 32043 Clay 523 32136 Flagler 146 32233 Duval 410 32044 Bradford 525 32137 Flagler 450 32234 Duval 391 32046 Nassau 529 32139 Putnam 523 32244 Duval 391 32050 Clay 523 32140 Putnam 523 32246 Duval 390 32052 Hamilton 525 32141 Volusia 442 32250 Duval 410 32053 Hamilton 525 32145 St Johns 450 32254 Duval 391 32054 Union 525 32147 Putnam 523 32256 Duval 390 32055 Columbia 525 32148 Putnam 523 32257 Duval 390 32058 Bradford 525 32158 Lake 521 32258 Duval 390 32059 Madison 525 32159 Lake 521 32259 St Johns 450 32060 Suwannee 525 32162 Sumter 521 32266 Duval 410 32061 Columbia 525 32164 Flagler 450 32277 Duval 390 32062 Suwannee 525 32168 Volusia 442 32301 Leon 528 32063 Baker 525 32169 Volusia 145 32303 Leon 528 32064 Suwannee 525 32174 Volusia 442 32304 Leon 528 32065 Clay 523 32176 Volusia 145 32305 Leon 528 32066 Lafayette 527 32177 Putnam 523 32306 Leon 528 32068 Clay 523 32179 Marion 522 32308 Leon 528 32071 Suwannee 525 32180 Volusia 442 32309 Leon 528 32073 Clay 523 32181 Putnam 523 32310 Leon 528 32079 Clay 523 32187 Putnam 523 32311 Leon 528 32080 St Johns 146 32189 Putnam 523 32312 Leon 528 32082 St Johns 146 32190 Volusia 442 32317 Leon 528 32083 Union 525 32192 Marion 522 32320 Franklin 125 32084 St Johns 146 32193 Putnam 523 32321 Liberty 527 32086 St Johns 146 32195 Marion 522 32322 Franklin 125 32087 Baker 525 32202 Duval 390 32324 Gadsden 526 32091 Bradford 525 32204 Duval 390 32327 Wakulla 456 32092 St Johns 450 32205 Duval 391 32328 Franklin 125 32094 Suwannee 525 32206 Duval 390 32330 Gadsden 526 32095 St Johns 146 32207 Duval 390 32331 Madison 525 32096 Hamilton 525 32208 Duval 390 32332 Gadsden 526 32097 Nassau 529 32209 Duval 390 32333 Gadsden 526 32102 Lake 521 32210 Duval 391 32334 Liberty 527 32110 Flagler 450 32211 Duval 390 32336 Jefferson 525 32112 Putnam 523 32212 Duval 390 32340 Madison 525 32113 Marion 522 32213 Duval 390 32343 Gadsden 526 32114 Volusia 442 32215 Duval 391 32344 Jefferson 525 32117 Volusia 442 32216 Duval 390 32346 Wakulla 125 American Traditions Insurance Co. 43 09/07

TERRITORY DEFINITIONS BY ZIP CODE Zip Code County Terr # Zip Code County Terr# Zip Code County Terr # 32347 Taylor 456 32466 Calhoun 527 32619 Gilchrist 527 32348 Taylor 126 32501 Escambia 120 32621 Levy 457 32350 Madison 525 32502 Escambia 120 32622 Bradford 525 32351 Gadsden 526 32503 Escambia 120 32625 Levy 127 32352 Gadsden 526 32504 Escambia 120 32626 Levy 457 32355 Wakulla 125 32505 Escambia 120 32628 Dixie 457 32356 Taylor 456 32506 Escambia 120 32631 Alachua 524 32358 Wakulla 456 32507 Escambia 120 32640 Alachua 524 32359 Dixie 127 32508 Escambia 120 32641 Alachua 524 32361 Jefferson 525 32514 Escambia 120 32643 Alachua 524 32401 Bay 124 32526 Escambia 430 32648 Dixie 127 32402 Bay 124 32530 Santa Rosa 121 32653 Alachua 524 32403 Bay 124 32531 Okaloosa 452 32656 Clay 523 32404 Bay 454 32533 Escambia 430 32664 Marion 522 32405 Bay 124 32534 Escambia 430 32666 Alachua 524 32407 Bay 124 32535 Escambia 430 32667 Alachua 524 32408 Bay 124 32536 Okaloosa 452 32668 Levy 457 32409 Bay 454 32538 Walton 453 32669 Alachua 524 32413 Bay 124 32539 Okaloosa 452 32680 Dixie 457 32420 Jackson 526 32541 Okaloosa 122 32686 Marion 522 32421 Calhoun 527 32542 Okaloosa 122 32692 Dixie 457 32423 Jackson 526 32547 Okaloosa 122 32693 Gilchrist 527 32424 Calhoun 527 32548 Okaloosa 122 32694 Alachua 524 32425 Holmes 526 32550 Walton 123 32696 Levy 457 32426 Jackson 526 32561 Santa Rosa 121 32697 Union 525 32427 Holmes 526 32563 Santa Rosa 121 32701 Seminole 511 32428 Washington 527 32564 Okaloosa 452 32702 Lake 521 32430 Calhoun 527 32565 Santa Rosa 451 32703 Orange 520 32431 Jackson 526 32566 Santa Rosa 121 32704 Orange 520 32432 Jackson 526 32567 Okaloosa 452 32707 Seminole 511 32433 Walton 453 32568 Escambia 430 32708 Seminole 511 32437 Washington 527 32569 Okaloosa 122 32709 Orange 520 32438 Bay 454 32570 Santa Rosa 451 32712 Orange 520 32439 Walton 123 32571 Santa Rosa 451 32713 Volusia 442 32440 Jackson 526 32577 Escambia 430 32714 Seminole 511 32442 Jackson 526 32578 Walton 123 32720 Volusia 442 32443 Jackson 526 32579 Okaloosa 122 32724 Volusia 442 32444 Bay 124 32580 Okaloosa 122 32725 Volusia 442 32445 Jackson 526 32583 Santa Rosa 121 32726 Lake 521 32446 Jackson 526 32601 Alachua 524 32730 Seminole 511 32448 Jackson 526 32603 Alachua 524 32732 Seminole 511 32449 Calhoun 527 32605 Alachua 524 32733 Seminole 511 32452 Holmes 526 32606 Alachua 524 32735 Lake 521 32455 Holmes 526 32607 Alachua 524 32736 Lake 521 32456 Gulf 125 32608 Alachua 524 32738 Volusia 442 32459 Walton 123 32609 Alachua 524 32744 Volusia 442 32460 Jackson 526 32611 Alachua 524 32746 Seminole 511 32462 Washington 527 32615 Alachua 524 32750 Seminole 511 32464 Holmes 526 32617 Marion 522 32751 Seminole 511 32465 Gulf 455 32618 Alachua 524 32754 Brevard 441 American Traditions Insurance Co. 44 09/07

TERRITORY DEFINITIONS BY ZIP CODE Zip Code County Terr # Zip Code County Terr# Zip Code County Terr # 32757 Lake 521 32834 Orange 520 33020 Broward 360 32759 Volusia 145 32835 Orange 520 33021 Broward 360 32763 Volusia 442 32836 Orange 520 33023 Broward 360 32764 Volusia 442 32837 Orange 520 33024 Broward 350 32765 Seminole 511 32839 Orange 490 33025 Broward 350 32766 Seminole 511 32901 Brevard 143 33026 Broward 350 32767 Lake 521 32903 Brevard 143 33027 Broward 370 32768 Orange 520 32904 Brevard 144 33028 Broward 350 32771 Seminole 511 32905 Brevard 143 33029 Broward 370 32772 Seminole 511 32907 Brevard 144 33030 Dade 310 32773 Seminole 511 32908 Brevard 440 33031 Dade 320 32776 Lake 521 32909 Brevard 440 33032 Dade 310 32778 Lake 521 32920 Brevard 143 33033 Dade 310 32779 Seminole 511 32922 Brevard 144 33034 Dade 310 32780 Brevard 441 32925 Brevard 143 33035 Dade 310 32784 Lake 521 32926 Brevard 440 33036 Monroe 50 32789 Orange 490 32927 Brevard 441 33037 Monroe 50 32792 Seminole 511 32931 Brevard 143 33039 Dade 310 32796 Brevard 441 32934 Brevard 144 33040 Monroe 70 32798 Orange 520 32935 Brevard 143 33042 Monroe 50 32801 Orange 490 32937 Brevard 143 33043 Monroe 50 32803 Orange 490 32940 Brevard 143 33044 Monroe 50 32804 Orange 490 32948 Indian River 142 33050 Monroe 50 32805 Orange 490 32949 Brevard 143 33051 Monroe 50 32806 Orange 490 32950 Brevard 143 33052 Monroe 50 32807 Orange 520 32951 Brevard 143 33054 Dade 320 32808 Orange 490 32952 Brevard 143 33055 Dade 340 32809 Orange 520 32953 Brevard 144 33056 Dade 320 32810 Orange 520 32955 Brevard 144 33060 Broward 360 32811 Orange 490 32958 Indian River 182 33062 Broward 360 32812 Orange 490 32960 Indian River 182 33063 Broward 350 32813 Orange 490 32962 Indian River 182 33064 Broward 360 32814 Orange 490 32963 Indian River 182 33065 Broward 370 32815 Brevard 144 32966 Indian River 142 33066 Broward 350 32817 Orange 520 32967 Indian River 182 33067 Broward 350 32818 Orange 520 32968 Indian River 142 33068 Broward 350 32819 Orange 520 32976 Brevard 143 33069 Broward 360 32820 Orange 520 33001 Monroe 50 33070 Monroe 50 32821 Orange 520 33004 Broward 360 33071 Broward 370 32822 Orange 520 33006 Broward 360 33073 Broward 350 32824 Orange 520 33008 Broward 360 33076 Broward 350 32825 Orange 520 33009 Broward 360 33101 Dade 310 32826 Orange 520 33010 Dade 320 33109 Dade 310 32827 Orange 520 33012 Dade 340 33114 Dade 310 32828 Orange 520 33013 Dade 320 33122 Dade 320 32829 Orange 520 33014 Dade 320 33125 Dade 310 32830 Orange 520 33015 Dade 340 33126 Dade 310 32831 Orange 520 33016 Dade 340 33127 Dade 310 32832 Orange 520 33018 Dade 340 33128 Dade 310 32833 Orange 520 33019 Broward 360 33129 Dade 310 American Traditions Insurance Co. 45 09/07

TERRITORY DEFINITIONS BY ZIP CODE Zip Code County Terr # Zip Code County Terr# Zip Code County Terr # 33130 Dade 310 3187 Dade 320 33418 Palm Beach 380 33131 Dade 310 33189 Dade 310 33424 Palm Beach 361 33132 Dade 310 33190 Dade 310 33426 Palm Beach 361 33133 Dade 310 33192 Dade 320 33428 Palm Beach 380 33134 Dade 310 33193 Dade 320 33430 Palm Beach 381 33135 Dade 310 33194 Dade 340 33431 Palm Beach 361 33136 Dade 310 33196 Dade 320 33432 Palm Beach 361 33137 Dade 310 33301 Broward 360 33433 Palm Beach 380 33138 Dade 310 33304 Broward 360 33434 Palm Beach 380 33139 Dade 310 33305 Broward 360 33435 Palm Beach 361 33140 Dade 310 33306 Broward 360 33436 Palm Beach 361 33141 Dade 310 33308 Broward 360 33437 Palm Beach 380 33142 Dade 310 33309 Broward 360 33438 Palm Beach 381 33143 Dade 310 33311 Broward 360 33440 Hendry 150 33144 Dade 310 33312 Broward 360 33441 Broward 360 33145 Dade 310 33313 Broward 350 33442 Broward 360 33146 Dade 310 33314 Broward 350 33444 Palm Beach 361 33147 Dade 310 33315 Broward 360 33445 Palm Beach 361 33149 Dade 310 33316 Broward 360 33446 Palm Beach 380 33150 Dade 310 33317 Broward 350 33455 Martin 180 33154 Dade 310 33319 Broward 350 33458 Palm Beach 380 33155 Dade 310 33321 Broward 370 33460 Palm Beach 361 33156 Dade 310 33322 Broward 370 33461 Palm Beach 361 33157 Dade 310 33323 Broward 370 33462 Palm Beach 361 33158 Dade 310 33324 Broward 350 33463 Palm Beach 380 33160 Dade 310 33325 Broward 370 33467 Palm Beach 380 33161 Dade 310 33326 Broward 370 33469 Martin 180 33162 Dade 310 33327 Broward 370 33470 Palm Beach 381 33163 Dade 310 33328 Broward 350 33471 Glades 150 33165 Dade 320 33330 Broward 370 33476 Palm Beach 381 33166 Dade 320 33331 Broward 370 33477 Palm Beach 361 33167 Dade 310 33332 Broward 370 33478 Palm Beach 381 33168 Dade 310 33334 Broward 360 33480 Palm Beach 361 33169 Dade 320 33351 Broward 370 33483 Palm Beach 361 33170 Dade 310 33388 Broward 370 33484 Palm Beach 361 33172 Dade 320 33401 Palm Beach 361 33486 Palm Beach 361 33173 Dade 310 33403 Palm Beach 361 33487 Palm Beach 361 33174 Dade 320 33404 Palm Beach 361 33493 Palm Beach 381 33175 Dade 320 33405 Palm Beach 361 33496 Palm Beach 380 33176 Dade 310 33406 Palm Beach 361 33498 Palm Beach 380 33177 Dade 310 33407 Palm Beach 361 33503 Hillsborough 471 33178 Dade 320 33408 Palm Beach 361 33504 Pinellas 480 33179 Dade 310 33409 Palm Beach 361 33510 Hillsborough 473 33180 Dade 310 33410 Palm Beach 361 33511 Hillsborough 473 33181 Dade 310 33411 Palm Beach 380 33513 Sumter 521 33182 Dade 320 33412 Palm Beach 381 33514 Sumter 521 33183 Dade 320 33413 Palm Beach 380 33521 Sumter 521 33184 Dade 340 33414 Palm Beach 381 33523 Pasco 459 33185 Dade 320 33415 Palm Beach 380 33524 Pasco 459 33186 Dade 320 33417 Palm Beach 380 33525 Pasco 459 American Traditions Insurance Co. 46 09/07

TERRITORY DEFINITIONS BY ZIP CODE Zip Code County Terr # Zip Code County Terr# Zip Code County Terr # 33526 Pasco 459 33619 Hillsborough 472 33784 Pinellas 480 33527 Hillsborough 473 33620 Hillsborough 470 33785 Pinellas 420 33534 Hillsborough 472 33621 Hillsborough 472 33786 Pinellas 420 33538 Sumter 521 33624 Hillsborough 470 33801 Polk 500 33540 Pasco 459 33625 Hillsborough 471 33803 Polk 500 33541 Pasco 459 33626 Hillsborough 471 33805 Polk 500 33542 Pasco 459 33629 Hillsborough 472 33807 Polk 500 33543 Pasco 459 33634 Hillsborough 470 33809 Polk 500 33544 Pasco 459 33635 Hillsborough 470 33810 Polk 500 33547 Hillsborough 473 33637 Hillsborough 471 33811 Polk 500 33548 Hillsborough 471 33647 Hillsborough 473 33813 Polk 500 33549 Hillsborough 471 33648 Hillsborough 471 33815 Polk 500 33556 Hillsborough 471 33695 Hillsborough 470 33821 DeSoto 465 33558 Hillsborough 471 33701 Pinellas 420 33823 Polk 500 33559 Hillsborough 471 33702 Pinellas 480 33825 Highlands 466 33563 Hillsborough 473 33703 Pinellas 480 33827 Polk 500 33564 Hillsborough 473 33704 Pinellas 480 33830 Polk 500 33565 Hillsborough 473 33705 Pinellas 420 33834 Polk 500 33566 Hillsborough 473 33706 Pinellas 420 33835 Polk 500 33567 Hillsborough 473 33707 Pinellas 420 33837 Polk 500 33568 Hillsborough 471 33708 Pinellas 420 33838 Polk 500 33569 Hillsborough 471 33709 Pinellas 480 33839 Polk 500 33570 Hillsborough 472 33710 Pinellas 480 33841 Polk 500 33572 Hillsborough 472 33711 Pinellas 420 33843 Polk 500 33573 Hillsborough 471 33712 Pinellas 420 33844 Polk 500 33574 Pasco 459 33713 Pinellas 481 33848 Osceola 510 33576 Pasco 459 33714 Pinellas 481 33849 Polk 500 33584 Hillsborough 473 33715 Pinellas 420 33850 Polk 500 33585 Sumter 521 33716 Pinellas 480 33851 Polk 500 33592 Hillsborough 473 33730 Pinellas 480 33852 Highlands 466 33594 Hillsborough 473 33755 Pinellas 480 33853 Polk 500 33597 Sumter 521 33756 Pinellas 480 33855 Polk 500 33598 Hillsborough 471 33759 Pinellas 480 33856 Polk 500 33602 Hillsborough 470 33760 Pinellas 480 33857 Highlands 466 33603 Hillsborough 470 33761 Pinellas 480 33858 Polk 500 33604 Hillsborough 470 33762 Pinellas 480 33859 Polk 500 33605 Hillsborough 470 33763 Pinellas 480 33860 Polk 500 33606 Hillsborough 472 33764 Pinellas 480 33865 Hardee 465 33607 Hillsborough 470 33765 Pinellas 480 33868 Polk 500 33608 Hillsborough 472 33767 Pinellas 420 33870 Highlands 466 33609 Hillsborough 472 33770 Pinellas 480 33872 Highlands 466 33610 Hillsborough 470 33771 Pinellas 480 33873 Hardee 465 33611 Hillsborough 472 33772 Pinellas 480 33875 Highlands 466 33612 Hillsborough 470 33773 Pinellas 480 33876 Highlands 466 33613 Hillsborough 470 33774 Pinellas 480 33877 Polk 500 33614 Hillsborough 470 33776 Pinellas 480 33880 Polk 500 33615 Hillsborough 470 33777 Pinellas 480 33881 Polk 500 33616 Hillsborough 472 33778 Pinellas 480 33884 Polk 500 33617 Hillsborough 470 33781 Pinellas 480 33890 Hardee 465 33618 Hillsborough 470 33782 Pinellas 480 33896 Polk 500 American Traditions Insurance Co. 47 09/07

TERRITORY DEFINITIONS BY ZIP CODE Homeowners Program Zip Code County Terr # Zip Code County Terr# Zip Code County Terr # 33897 Polk 500 33983 Charlotte 462 34234 Sarasota 131 33898 Polk 500 33990 Lee 463 34235 Sarasota 131 33901 Lee 463 33991 Lee 133 34236 Sarasota 131 33903 Lee 463 33993 Lee 133 34237 Sarasota 131 33904 Lee 133 34102 Collier 134 34238 Sarasota 131 33905 Lee 463 34103 Collier 134 34239 Sarasota 131 33906 Lee 463 34104 Collier 134 34240 Sarasota 461 33907 Lee 463 34105 Collier 134 34241 Sarasota 461 33908 Lee 133 34108 Collier 134 34242 Sarasota 131 33909 Lee 463 34109 Collier 134 34243 Manatee 130 33910 Lee 463 34110 Collier 134 34250 Manatee 130 33912 Lee 463 34112 Collier 134 34251 Manatee 460 33913 Lee 463 34113 Collier 134 34266 DeSoto 465 33914 Lee 133 34114 Collier 134 34269 DeSoto 465 33916 Lee 463 34116 Collier 464 34272 Sarasota 131 33917 Lee 463 34117 Collier 464 34274 Sarasota 131 33919 Lee 133 34119 Collier 464 34275 Sarasota 131 33920 Lee 463 34120 Collier 464 34285 Sarasota 131 33921 Charlotte 132 34134 Lee 133 34286 Sarasota 461 33922 Lee 133 34135 Lee 133 34287 Sarasota 461 33923 Lee 133 34138 Collier 134 34288 Sarasota 461 33924 Lee 133 34139 Collier 134 34289 Sarasota 461 33927 Charlotte 132 34140 Collier 134 34292 Sarasota 131 33928 Lee 133 34141 Collier 464 34293 Sarasota 131 33931 Lee 133 34142 Collier 464 34420 Marion 522 33934 Collier 464 34145 Collier 134 34421 Marion 522 33935 Hendry 150 34146 Collier 134 34428 Citrus 458 33936 Lee 463 34201 Manatee 460 34429 Citrus 128 33938 Charlotte 462 34202 Manatee 460 34431 Marion 522 33942 Collier 134 34203 Manatee 130 34432 Marion 522 33945 Lee 133 34205 Manatee 130 34433 Citrus 458 33946 Charlotte 132 34207 Manatee 130 34434 Citrus 458 33947 Charlotte 132 34208 Manatee 460 34436 Citrus 458 33948 Charlotte 132 34209 Manatee 130 34442 Citrus 458 33949 Charlotte 132 34210 Manatee 130 34446 Citrus 458 33950 Charlotte 132 34211 Manatee 460 34447 Citrus 128 33951 Charlotte 132 34212 Manatee 460 34448 Citrus 128 33952 Charlotte 132 34215 Manatee 130 34449 Levy 127 33953 Charlotte 132 34216 Manatee 130 34450 Citrus 458 33954 Charlotte 462 34217 Manatee 130 34452 Citrus 458 33955 Charlotte 132 34219 Manatee 460 34453 Citrus 458 33956 Lee 133 34221 Manatee 130 34460 Citrus 458 33957 Lee 133 34222 Manatee 460 34461 Citrus 458 33960 Highlands 466 34223 Sarasota 131 34465 Citrus 458 33962 Collier 134 34224 Sarasota 131 34470 Marion 522 33971 Lee 463 34228 Manatee 130 34471 Marion 522 33972 Lee 463 34229 Sarasota 131 34472 Marion 522 33980 Charlotte 132 34231 Sarasota 131 34473 Marion 522 33981 Charlotte 132 34232 Sarasota 131 34474 Marion 522 33982 Charlotte 462 34233 Sarasota 131 34475 Marion 522 American Traditions Insurance Co. 48 09/07

TERRITORY DEFINITIONS BY ZIP CODE Zip Code County Terr # Zip Code County Terr# Zip Code County Terr # 34476 Marion 522 34666 Pinellas 481 34947 St Lucie 181 34479 Marion 522 34667 Pasco 129 34949 St Lucie 181 34480 Marion 522 34668 Pasco 129 34950 St Lucie 181 34481 Marion 522 34669 Pasco 459 34951 St Lucie 181 34482 Marion 522 34677 Pinellas 481 34952 St Lucie 181 34484 Sumter 521 34681 Pinellas 420 34953 St Lucie 181 34488 Marion 522 34683 Pinellas 480 34956 Martin 100 34489 Marion 522 34684 Pinellas 481 34957 Martin 180 34491 Marion 522 34685 Pinellas 481 34972 Okeechobee 150 34498 Levy 127 34688 Pinellas 480 34974 Glades 150 34601 Hernando 458 34689 Pinellas 480 34981 St Lucie 181 34602 Hernando 458 34690 Pasco 129 34982 St Lucie 181 34604 Hernando 458 34691 Pasco 129 34983 St Lucie 181 34606 Hernando 128 34695 Pinellas 480 34984 St Lucie 181 34607 Hernando 128 34698 Pinellas 480 34986 St Lucie 181 34608 Hernando 128 34705 Lake 521 34987 St Lucie 141 34609 Hernando 458 34711 Lake 521 34988 St Lucie 141 34610 Pasco 459 34714 Lake 521 34990 Martin 100 34613 Hernando 458 34715 Lake 521 34992 Martin 180 34614 Hernando 128 34731 Lake 521 34994 Martin 180 34615 Pinellas 480 34734 Orange 520 34996 Martin 180 34616 Pinellas 480 34736 Lake 521 34997 Martin 180 34619 Pinellas 480 34737 Lake 521 34620 Pinellas 481 34739 Osceola 510 34621 Pinellas 481 34741 Osceola 510 34622 Pinellas 480 34743 Osceola 510 34623 Pinellas 481 34744 Osceola 510 34624 Pinellas 480 34746 Osceola 510 34625 Pinellas 481 34747 Osceola 510 34630 Pinellas 420 34748 Lake 521 34634 Pinellas 420 34749 Sumter 521 34635 Pinellas 420 34753 Lake 521 34637 Pasco 459 34756 Lake 521 34638 Pasco 459 34758 Osceola 510 34639 Pasco 459 34759 Polk 500 34640 Pinellas 480 34760 Orange 520 34641 Pinellas 481 34761 Orange 520 34642 Pinellas 480 34762 Lake 521 34643 Pinellas 481 34769 Osceola 510 34644 Pinellas 480 34771 Osceola 510 34646 Pinellas 480 34772 Osceola 510 34647 Pinellas 481 34773 Osceola 510 34648 Pinellas 481 34785 Sumter 521 34652 Pasco 129 34786 Orange 520 34653 Pasco 129 34787 Orange 520 34654 Pasco 459 34788 Lake 521 34655 Pasco 459 34797 Lake 521 34660 Pinellas 420 34944 Glades 150 34664 Pinellas 480 34945 St Lucie 141 34665 Pinellas 481 34946 St Lucie 181 American Traditions Insurance Co. 49 09/07

QUOTE SHEET - HO 3 Non-Hurricane Base Rate {NHR) X Amount of Insurance Factor (p 12} X Protection Class Factor (p. 14) X Age of Dwelling Factor (p. 13) X Building Code Effectiveness Grade Factor (pp, 14,15} - Applicable NHR Premium Factors (max discount = 40%)(p. 16) X Deductible Factor (p. 28) X Coverage B limit Factor (p. 29) X Coverage C limit Factor (p.. 29} X Windstorm and Hail Exclusion Factor (.95) X Water Damage Exclusion Factor (.90) = (1) Adjusted Non-Hurricane Base Premium Additional Coverages + Ordinance or Law Coverage % (factor X NHR X Amt of Ins Factor X PC Factor) + Increased Replacement Cost on Dwelling (05 X NHR X Amt of Ins Factor X PC Factor) + Replacement cost on Contents (10 X NHR X Amt of Ins Factor X PC Factor) + Special Personal Property Coverage (.10 X NHR X Amt of ins Factor X PC Factor) + Personal Property-Unscheduled (p.31) + Personal Property-Scheduled (p.32) + Increased Loss Assessment Coverage ($5,000 = $15; $10,000 - $25) + Fungi (Mold) Coverage (p, 33) + Home Computer Coverage ($6 per $1,000 coverage) + Increased Section II Limits (p, 30) + Personal Injury Coverage ($15) + Golf Cart Physical Damage and Liability (Option 1=$75) + Water Back Up and Sump Overflow ($25) + Dog Liability ($25) = (2) Non- Hurricane Additional Coverages Total Hurricane Base Rate (HUR) X Amount of Insurance Factor (p 12) X Construction Factor (Masonry = 0.80, Superior = 0.75} X Age of Dwelling Factor (p 13) X Building Code Effectiveness Grade Factor (p. 14,15) = SubTotal - Wind Loss Mitigation Credit (p 17 27) x Subtotal above. = SubTotal X Deductible Factor (p. 28) X Coverage B limit Factor (p. 29) X Coverage C limit Factor (p. 29) = (3) Adjusted Hurricane Base Premium + (4) Catastrophe Charge Additional Coverages + Ordinance or Law Coverage % (factor X HUR X Amt of Ins Factor X Constr Factor) + Increased Replacement Cost on Dwelling (05 X HUR X Amt of Ins Factor X Constr Factor) + Replacement cost on Contents (10 X HUR X Amt of Ins Factor X Construction Factor) + Special Personal Property Coverage (10 X HUR X Amt of Ins Factor X Construction Fac) + Pool Cage/Scrn Encl/Carport (p. 29) (Inland $10 per $1000, Coastal $15 per $1000) = (5) Hurricane Additional Coverages Total + $ 25 Managing General Agent Fee + $ 2 Emergency Management Preparedness and Assistance Trust Fund + SUB-TOTAL (1 + 2 + 3 + 4 + 5 + MGA Fee + EMPA) + Emergency FHCF Assessment (SUB-TOTAL x 1.0%) + CPIC Emergency Assessment (SUB-TOTAL x 1.4%) = TOTAL PREMIUM American Traditions Insurance Co. 50 09/07

QUOTE SHEET - HO 6 Non-Hurricane Base Rate (NHR) X Amount of Insurance Factor (p. 12) X Protection Class Factor (p. 14) X Age of Dwelling Factor (p. 13) X Building Code Effectiveness Grade Factor (p. 14-15) = SubTotal NHR Premium Factor Discount/Surcharges (p. 16) Multiply each discount factor by Subtotal above. Secured Community = - Subtotal = Discount (round) Protective Devices = - Subtotal = Discount (round) Other = - Subtotal = Discount (round) +/- Total of Page 16 Discounts (maximum 0.60) = SubTotal X Deductible Factor (p. 28) X Windstorm and Hail Exclusion Factor (.95) X Water Damage Exclusion Factor (.90) = (1) Adjusted Non-Hurricane Base Premium Additional Coverages + Ordinance or Law Coverage % (factor X NHR X Amt of Ins Factor X PC Factor) + Replacement Cost on Contents (20 X NHR X Amt of Ins Factor X PC Factor) + Special Personal Property Coverage (20 X NHR X Amt of Ins Factor X PC Factor) + Personal Property-Unscheduled (p. 31) + Personal Property-Scheduled (p.32) + Increased Loss Assessment Coverage ($5,000=$15; $10,000=$25) + Fungi (Mold) Coverage {p. 33) + Increased Section II Limits (p. 30) + Personal Injury Coverage ($15) + Golf Cart Physical Damage and Liability (Option 1 =$75) + Unit-Owners Rental to Others-Long Term (.25 X NHR X Amt of Ins Factor X PC Factor) + Unit-Owners Rental to Others-Short-Term (.25 X NHR X Amt of Ins. X PC Factor + $50) + Water Back Up and Sump Overflow ($25) + Dog Liability ($25) = (2) Non - Hurricane Additional Coverages Total Hurricane Base Rate (HUR) X Amount of insurance Factor (p 12) X Construction Factor (Masonry = 0.80, Superior = 0.75) X Age of Dwelling Factor (p. 13) X Building Code Effectiveness Grade Factor (pp. 14-15) = SubTotal - Wind Loss Mitigation Credit (p 17 27) x Subtotal above. = SubTotal X Deductible Factor (p. 28) X Coverage B limit Factor (p. 29) X Coverage C limit Factor (p. 29) = (3) Adjusted Hurricane Base Premium + (4) Catastrophe Charge Additional Coverages + Ordinance or Law Coverage % (factor X HUR X Amt of Ins Factor X Const Factor) + Replacement Cost on Contents (.20 X HUR X Amt of Ins Factor X Construction Factor) + Special Personal Property Coverage (20 X HUR X Amt of Ins Factor X Construction Fac) = (5) Hurricane Premium + $ 25 Managing General Agent Fee + $ 2 Emergency Management Preparedness and Assistance Trust Fund + SUB-TOTAL (1 + 2 + 3 + 4 + 5 + MGA Fee + EMPA) + Emergency FHCF Assessment (SUB-TOTAL x 1.0%) + Emergency CPIC Assessment (SUB-TOTAL x 1.4%) = TOTAL PREMIUM American Traditions Insurance Co. 51 09/07