Underwriting Guide. for the Omni Insurance Group. South Carolina Omni Insurance Company Effective 2/4/11. REFERENCE INFORMATION (Revised 03/18/13)

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1 Underwriting Guide for the Omni Insurance Group Effective 2/4/11 REFERENCE INFORMATION (Revised 03/18/13) CUSTOMER SERVICE Customer Service Center: (866) Customer Service Fax: (800) Customer Service 1 st 60 days of the new business term: AgencyServices@omniins.com 61 st day & after new business terms & all renewals CustomerService@omniins.com Customer Service Mailing Address: **Do not use for mailing payments** Omni Insurance Group PO Box Atlanta, GA POLICY PAYMENTS Phone Payment: (800) Credit/Debit Card: Visa, MasterCard, Discover Mail Payment: Omni Insurance Group PO Box Atlanta, GA Online Payment: CLAIMS 24 Hour Claim Reporting Center: (800) Claims Fax: (800) Mailing Address: Omni Insurance Group PO Box Atlanta, GA Claims claims@omniins.com MARKETING Agency Sales / Marketing Representative: Michael Mahla (866) , ext Michael.Mahla@omniins.com Marketing Support Team: (866) , ext Atl.Sales@omniins.com Agent Return Commission: Omni Insurance Group PO Box Atlanta, GA INTERNET SITE Web Rating Omni Agent Resources/Underwriting Guides

2 TABLE OF CONTENTS OMNI YOUR FIRST CHOICE INSURANCE COMPANY...3 AGENT DUTIES...4 INTERNET SITE GENERAL INFORMATION...5 PROGRAM...5 COMMISSION...5 ACCOUNTING...5 APPLICATION...5 HOW TO BIND COVERAGE...5 POLICY ISSUANCE...5 UPRATES AND DOWN PAYMENT SHORTAGES...5 ENDORSEMENTS...5 CANCELLATIONS...5 REINSTATEMENTS WITH NO LAPSE IN COVERAGE...6 REINSTATEMENTS WITH A LAPSE IN COVERAGE...6 REFUNDS...6 RENEWALS AND NON-RENEWALS...6 RENEWAL REPLACEMENT POLICY...6 CLAIMS...6 CONSUMER REPORTS...6 UNACCEPTABLE RISKS...7 UNACCEPTABLE POLICIES...7 UNACCEPTABLE INSUREDS / DRIVERS...7 UNACCEPTABLE VEHICLES...7 Ownership/Title...7 Use...7 Types/Equipment...7 UNACCEPTABLE FOR PHYSICAL DAMAGE...7 DRIVER INFORMATION...8 DRIVER EXCLUSIONS...8 MARITAL STATUS...8 DRIVER S LICENSE STATUS...8 FILING INFORMATION (SR-22, SR-22A, SR-50, ETC.)...8 AGE...8 YOUTHFUL DRIVERS...8 VEHICLE INFORMATION...9 TERRITORY...9 VEHICLE USAGE DEFINITIONS...9 Pleasure...9 Business...9 Artisan...9 NEW VEHICLES...9 VEHICLE DEFINITIONS...9 COVERAGES...10 DISCOUNTS & SURCHARGES...11 PAYMENT PLANS & FEES...12 ACCIDENTS & VIOLATIONS

3 OMNI INSURANCE COMPANY YOUR FIRST CHOICE INSURANCE COMPANY The Omni Insurance Company, a member of Independent Insurers Investment, Inc., has been a stable and reliable non-standard auto market for the professional independent insurance agent since As an Omni agent you will have the competitive advantage of being able to offer your customers affordable rates with low down payments and monthly billing. You have the option of tailoring your customers coverage to their specific needs through varied coverage levels, different deductibles, variable term policies, and a number of payment plans. At Omni Insurance Company, ease of doing business is our primary goal. With Omni s real time agent website, you will be able to bind coverage, get a policy number, and issue ID cards in a few short minutes. A simple liability quote only requires an address including zip code, insured name, date of birth, gender, and vehicle information. Rating occurs in seconds with a click of a button. Policy status, payment entry, endorsements quotes, and actual endorsements are simple to do and happen in real time. There is no waiting for confirmation. You can assure your customer that they have coverage instantly and provide an up-to-themoment payment schedule through the end of the term. Our website provides you with over 50 reports to help you manage your business including Agent Commission, ACH Bank Sweep, Cancelled Policies, Reinstatements, and Pending Renewals. We ask that you utilize this underwriting guide to further familiarize yourself with our company. We firmly believe that you are our partner and we demonstrate that through our commitment to the independent agency system. Together we can be successful while providing your customers with quality insurance protection at affordable rates. 3

4 AGENT DUTIES 1. Rate the risk based on the underwriting characteristics of each operator and each vehicle. Our system will assign operators to vehicles in according to our driver assignment rule. 2. You must list all members of the household over the age of 14 and all other regular operators of every covered vehicle on the application. 3. The Driver Exclusion Form must be completed and signed by the named insured. Omni will not afford coverage to excluded operators on the vehicles from which they are excluded. 4. Please explain that it is the insured's responsibility to inform you and Omni if a previously suspended operator now has a valid driver s license. 5. Please explain the requirements for obtaining coverage on replacement and additional vehicles to your customers. 6. Please explain discounts, qualification criteria, and supporting documentation to your customers. 7. Please explain surcharges to your customers. 8. Please clearly explain to your customers that all claims are to be reported immediately and directly to Omni. INTERNET RATING WEB SITE Our internet site will give you a secure connection to quote polices, write new business, send endorsements, and view detailed information on all of your insureds policies - twenty-four hours a day, seven days a week. You will be provided with a training manual along with your agency s unique username and password. Finding a policy is quick and easy with a variety of search options including: policy number, name, license number, telephone number, city, state, and zip code. You will have direct access to the most current information including: Quoting policies New Business Upload Payment Upload Upload Reporting Endorsements Policy status Payment and billing information Policy transaction history Operator information Vehicle information Claims information Web Site for Agent Resources Visit this site to review recent Producer Bulletins sent to your state and underwriting guides 4

5 GENERAL INFORMATION PROGRAM Coverage is offered through Omni Insurance Company. Policies may be written on a 6 or 12 month basis. Policies are billed directly with a variety of payment plans available. Outside premium financing is available. COMMISSION Base commission is 12% for new business policies and 12% for renewal policies. Commission is paid in advance for the full policy term. Net commission is paid at the close of each month. ACCOUNTING The following is included in agent monthly statements: New business and renewal policies Endorsements Cancellations and reinstatements Commission APPLICATION All new business must be uploaded through our website. Applications and related forms must be signed by the Agent and the applicant. If an application is to re-write a previously cancelled policy, and there is earned premium due on the cancelled policy, the amount of earned premium due must be submitted. If the full balance due is not received, the new policy will be cancelled and the outstanding earned premium will be deducted from any refund. A down payment is required with each new business submission. HOW TO BIND COVERAGE Agents may bind coverage when all of the following are met: The risk is acceptable. (Please refer to the Unacceptable Risk section.) The producing agent and applicant sign a fully-completed application (including the date and time coverage is bound). The required down payment is collected. The application and payment are submitted within three calendar days of the effective date. Binding is NOT allowed for Physical Damage Coverage during a severe weather alert, hurricane, tropical storm, tornado, or flood watch or warning as issued by the National Weather Service. Drivers License numbers are on the application for all operators including operators that are excluded from coverage. POLICY ISSUANCE The agent must deliver the policy booklet to insureds at the time the application is completed. The company will send the declaration pages directly to the Insured and Lien holder. UPRATES AND DOWN PAYMENT SHORTAGES When an uprate or downpayment shortage occurs, an additional down payment will be necessary. The additional down payment will be billed to the insured with the original declarations page. ENDORSEMENTS Endorsement can be uploaded through our website. Resulting additional premium charge (AP) or return premium credit (RP) is spread over remaining installments. Endorsements requiring a signed form must be signed by the applicant and kept on file. Endorsements resulting in a revised premium will be provided real-time. All changes requiring premium adjustments shall be computed pro rata. An updated policy declarations page and payment schedule will be mailed the day after the endorsement is processed. CANCELLATIONS A policy is void when down payment funds do not clear the banking institution. The company may not cancel a policy (no SR-22) for nonpayment of premium with an effective date in the first 30 days of the initial policy period unless due to NSF. The company may not cancel a policy with an SR-22 for non-payment of premium with an effective date in the first 60 days of the initial policy period unless due to NSF. The company may not process an insured s request cancellation with an effective date within the first 60 days of the initial policy period unless: o The vehicle was sold, or the tags and registration were surrendered. o The insured purchased another insurance policy. The company may not cancel for underwriting reasons with an effective date within the first 60 days of the initial term. The cancellation effective date must be within days 61 to 90 regardless of whether or not a driver has an SR-22 on the policy. Premium Finance Company s requested cancellation effective date will be honored. This includes SR-22 policies. Company-initiated cancellations for underwriting reasons are pro-rated. All other cancellations (including non-payment and insured-requested) are calculated pro-rata. Renewal policies are canceled pro-rata. REINSTATEMENTS WITH NO LAPSE IN COVERAGE A policy that is canceling for non-payment of premium may be reinstated when the past-due amount is either postmarked or received in our office prior to the cancellation date (shown on the cancellation notice). Policies cancelled for any reason other than non-payment will be reinstated ONLY if all requested information is postmarked on or prior to the effective date of cancellation and all payments are current. If requesting a reinstatement with no lapse in coverage, a completed No Loss / No Claim Statement must be submitted along with the past due premium amount. The reinstatement request must be made within 4 days of the cancellation effective date. A new application must be completed if the required steps for reinstatement are not fulfilled. 5

6 GENERAL INFORMATION (cont d) REINSTATEMENTS WITH A LAPSE IN COVERAGE Policies cancelled for non-payment of premium will be reinstated with a lapse in coverage as of 12:01 AM the day following payment or postmark date if: 1. The postmark or payment date is within 29 days of the cancellation date. 2. The insured has paid the entire amount due and this payment is honored by the financial institution. 3. The policy is not in the last 30 days of its term without a renewal offer. All of the following must be forwarded to Omni: 1. All information that was previously missing. 2. A No Loss / No Claim Statement, if requested. NOTE: We will honor the date and time of electronic payments or payments received in your office with proper documentation. REFUNDS There are occasions when the company owes unearned premium back to an insured or agent. Refunds are mailed to the insured at the current address on file, unless otherwise requested. If it is necessary to mail the refund to the agent or a different address, please contact Customer Service. Refunds are computer generated approximately 21 days from the last payment transaction to allow ample time for the payment to clear. RENEWALS AND NON-RENEWALS Thirty days prior to the expiration date, a renewal offer is sent to the insured with a bill for the renewal premium or down payment. If the bill is not paid, the renewal offer will expire for nonpayment. The renewal down payment and installment due dates on 6 and 12 month policies will be the same as the new business pay plan selected. For example, a policy with an Extended pay plan will renew with an Extended pay plan requiring 16.7% down (6 months) or 8.34% (12 months) followed by 5 (or 11) equal installments. A paid-in-full policy will renew to a paid-in-full pay plan with all applicable discounts. If Omni elects to non-renew your customer, a notice of non-renewal will be sent at least 20 days prior to the anniversary date of the policy. RENEWAL REPLACEMENT POLICY Renewals may be reinstated with a lapse in coverage of up to 30 days from the effective date of the renewal policy. If a renewal down payment is paid within 30 days of the renewal effective date, a replacement policy will be issued with a lapse in coverage. Attach a completed green Renewal Replacement Form (AC-008) to the payment and send it to Omni. The replacement policy will be effective the date and time the insured signs the green slip if payment is made to the agent, or the date Omni receives the renewal down payment if payment is sent directly to Omni by the insured. CLAIMS All losses should be reported to our office by telephone immediately after an accident. New claims may be reported 7 days a week. Voic will be used after normal business hours. It is to your customers advantage to call as soon as possible. CONSUMER REPORTS As a matter of good business practice, Omni requires that the agent provide the consumer with prior notice that credit (for insureds age 19 and older), MVRs and loss reports will be ordered as a routine part of the underwriting process in order to determine eligibility and/or price for insurance products (or, where applicable, to determine eligibility for payment plan options). Most states also require this notice as a matter of law. The notice may be given verbally, initially, but must be followed up in writing when an application is taken. 6

7 UNACCEPTABLE RISKS The Company reserves the right to reject any risk. Unacceptable risks are those involving any item in any of the following categories. UNACCEPTABLE POLICIES Named insureds permanently residing in a state other than the policy state. Policies with more than 4 vehicles unless prior approval for 5+ vehicles is received from Agency Services. More business or artisan use vehicles than listed drivers. More than 2 business or artisan use vehicles on a policy. Information omitted that is essential to rate and issue a policy. Applications with a business, partnership, or corporation listed as the named or additional insured. If any representation contained in the application or policy change request is false, misleading, or materially affects the acceptance or rating of the risk by either direct misrepresentation, omission, concealment of facts or incorrect statements, the policy will be null and void as of the effective date of the new business application or policy change. Policy recession shall also apply to misstatement of use and omission of fact. Omni will not provide coverage for any insured who has made fraudulent statements or engaged in fraudulent conduct in connection with any accident or loss for which coverage is sought under the policy. UNACCEPTABLE INSUREDS / DRIVERS Under the minimum age to obtain a driver s license, unless holding a valid driver s permit. Operators not possessing a valid driver s license. Been convicted of insurance fraud. Operators with more than 20 driving record points. With three or more at-fault accidents in the 35 months preceding the policy effective date. Had a policy cancelled or non-renewed due to fraud or misrepresentation. With a suspended or revoked driver s license, unless filing an SR-22 or excluded from the policy. Operators requiring an out-of-state SR-22 filing. Physically, mentally, or emotionally impaired beyond the restricted capacity of his/her driver s license. Not residing in the policy state at least 6 months of the year, unless military, government service, or student away at school. UNACCEPTABLE VEHICLES (See Vehicle Definition section) Ownership/Title Not titled or leased to the named insured or a listed driver. With a salvaged or reconstructed title. Owned or leased by a partnership or corporation. Without a verifiable garaging address. Use Carrying persons or property for compensation or a fee including, but not limited to: o limousine or taxi services; o emergency or escort services; or o delivery services (food, mail, newspapers, magazines, courier, florist, etc.). Available to multiple drivers for sales, farming, or artisan use. Vehicles carrying flammable or explosive substances. Vehicles regularly available to unlisted, non-resident drivers. Types/Equipment Large pickup and sport utility vehicles in the 350 and 3500 series (over ¾ ton) are unacceptable. The IZZY system will not allow any of these vehicles to be submitted. Flatbed, stake, modified bed or dump truck. Large vans in the 250/350 and 2500/3500 series (over ½ ton) are unacceptable. The IZZY system will not allow any of these vehicles to be submitted. With a gross vehicle weight in excess of 10,000 pounds. With a cost new value in excess of $80,000. With less than four wheels. Not registered for street use. Gray market vehicles. Fully electric vehicles. Kit, classic or antique vehicles. Any vehicle manufactured in China. Altered, modified or customized: o For reasons including, but not limited to performance, racing, drag contests, stunting, competition or show. o With equipment, including, but not limited to cooking, bathroom, or snowplowing. UNACCEPTABLE FOR PHYSICAL DAMAGE With existing damage of $500 or more, unless inspected by the agent and submitted with a complete description of the damage. Photos may be required. Damage cannot affect the safe operation of the vehicle. Vehicles over 25 years old o Age of vehicle (may not exceed 24) = Current calendar year minus (-) vehicle model year o For example, in 2009: a 1985 vehicle would be acceptable. a 1984 or older vehicle would not be acceptable for physical damage. A vehicle inspection form is required when adding physical damage mid-term to an existing vehicle. When submitting the endorsement, the inspection form should be sent to the company. Upon review, photos may be requested. Any vehicle listed below: Acura NSX Aston Martin Vanquish Austin or Jensen Healey Audi A1 or A8 Avanti Bentley Bricklin BMW Z8 Citroen Delorean Duesenberg Excalibur EV-1 (General Motors-Electric) Ferrari Ford GT Jaguar XJ8 Lamborghini Lancia Lotus Maybach Maserati Mercedes SL500 Panoz Pantera Pininfarina Plymouth Prowler Porsche Carrera GT Rolls Royce Shelby Cobra Sterling Stutz TVR 7

8 DRIVER INFORMATION All members of the household 14 years of age and older must be included in the essential information section of the application with the corresponding reason for not being listed as a driver. All members of the household who are of driving age must be listed as drivers or excluded. Residents of the household who are not listed on the declarations page may be denied coverage in the event of a claim. DRIVER EXCLUSIONS Driver exclusions are only available for a household member who has surrendered his or her driver s license to the State Highway Department OR who has another valid liability policy at the time our policy is effective. The driver exclusion will be honored if the appropriate signatures are provided on the application. Proof of another liability policy should be maintained in your office in case of a future policy audit. A spouse who has never been licensed should not be excluded and will not be used in rating the policy. The licensed spouse will be rated as married. Drivers cannot be excluded from a specific vehicle on a policy. Drivers requesting an SR-22 may not be excluded. MARITAL STATUS A married person must be living with his or her spouse to be rated as such. Drivers who are single, widowed, separated, divorced or co-habitating unmarried couples will be rated as single. Drivers widowed during a policy term will be rated as married for the remainder of the term. Co-habitating unmarried adults may obtain insurance jointly. Only one driver may be the named insured and will be required to sign all coverage elections. The other driver may be listed as an additional insured and additional interest on any vehicle he or she owns or coowns. Please note: Omni s systems presently issue ID cards to the named insured only. Your agency may be asked by the customer to provide ID cards as needed. DRIVER S LICENSE STATUS Out-of-state license: Driver agrees to obtain a license in resident (policy) state within the time period required by that state. Permit Drivers (see Youthful Drivers section): Drivers age 16 or older with a permit will be added to the policy. Newly licensed drivers may be surcharged up to three years. Drivers without a valid U.S. driver s license may be surcharged for up to three years. Drivers who hold a valid foreign driver s license should submit a photocopy with their application. FILING INFORMATION (SR-22, SR-22A, SR-50, ETC.) Financial Responsibility filings may be requested for any resident operator for South Carolina. Out-of-state Financial Responsibility filings are not allowed at this time. The name on the filing must appear exactly as it reads on the driver s license. Financial Responsibility filings may not be requested for any operator with an International License. Only operators with a valid South Carolina drivers license number or customer number can obtain an SR-22. AGE Drivers who have a birthday within one month of the policy effective date will be rated based on the upcoming age if it yields a lower premium. YOUTHFUL DRIVERS Students away at school: o within the same state as the policy state will be rated at the school address. Agent must show alternate garaging address with zip code; o in a state other than the policy state, the vehicle will be rated at the policy address; o in Alaska, Hawaii, Massachusetts, Michigan, New Jersey and New York are unacceptable risks. Drivers under the age of 15 are not rated. A driver under age 18 may be listed as a named insured when the application is also signed by a parent or guardian. 8

9 VEHICLE INFORMATION TERRITORY Omni s rating program automatically assigns territory based on the mailing address. If the mailing address is listed as a P.O. Box, an alternate street address is required. The principal garaging address for each vehicle must be disclosed where different from mailing address. VEHICLE USAGE DEFINITIONS Pleasure Pleasure use includes those vehicles not driven for business or commercial purposes. Examples include the following: o To and from work or school o Farm or ranch usage (except the delivery of farm products) o Occasional non-required business use, such as infrequent trips to the bank, post office, court, etc. Business Business use includes those vehicles owned or leased by the insured and used in the business or occupation of the insured or driver. Examples include the following: o Customarily used for work or business other than commuting to or from the principal place of business: Services - Cable services, telephone repair, A/C services, etc. Sales Tupperware, Avon, etc. o Primarily used by professionals visiting multiple locations per day (Examples: real estate agents, insurance agents, doctors, ministers, accountants, etc.). o Utilized for pulling a trailer, which is used for business purposes, regardless of the number of locations visited per day. Business use is acceptable if the listed driver has an occupation similar to the above. Business use is not acceptable for vehicles used in delivery, carrying persons, etc. (see Unacceptable Vehicle Use section). The number of business use vehicles cannot exceed the number of listed drivers on the policy with a policy maximum of two business vehicles. A surcharge applies to business use vehicles. Artisan Artisan use includes those vehicles used to carry tools and supplies between the place of business and job site. Artisan designation is acceptable if the listed driver uses the vehicle for the reasons indicated above. The number of artisan use vehicles cannot exceed the number of listed drivers on the policy with a policy maximum of two artisan use vehicles. A surcharge applies to artisan use vehicles. NEW VEHICLES Contact our Customer Service Department for any vehicle not listed in the Omni rating program. Vehicle symbols will be assigned based on comparison of such new models to similar existing vehicles. VEHICLE DEFINITIONS Conversion Vehicles are incomplete vehicles that have been completed for acceptable personal or business/ artisan usage. Customized Vehicles are vehicles with added features, such as pin striping, wheels, tires, captain s chairs, tinted windows, etc. These features may be covered under Customizing Parts and Equipment Coverage. Electric Vehicles are vehicles that run solely on electricity. Gray Market Vehicles are vehicles not originally built to U.S. pollution and safety requirements. Incomplete Vehicles are vehicles purchased from a manufacturer that consist of, at a minimum, frame and chassis structure, power train, steering system, suspension system and braking system. Kit Vehicles are vehicles whose parts may be purchased in kit form and later assembled. Kit vehicles may also be completely original designs. Salvage Vehicles are vehicles that have been deemed a total loss for reasons including, but not limited to damage caused by theft, vandalism, accident or natural disaster. Vehicles with Existing Damage are vehicles with some form of unrepaired physical damage at the time coverage is requested. 9

10 COVERAGES LIMITS / COVERAGES DEDUCTIBLES BI/PD* 25/50/25 50/100/25 50/100/50 100/300/50 100/300/100 SPECIFICS Required on all policies, except those written as physical damage only Out-of-state vehicles must carry the minimum limit for the state in which they are principally garaged. It is the insured s responsibility to understand and request the required liability limits for a leased vehicle. MP* 500 1,000 2,000 5,000 10,000 UMBI* 25/50 50/ /300 UIMBI* 25/50 50/ /300 UMPD* 25,000 50, ,000 UIMPD* 25,000 50, ,000 Comprehensive & Collision Towing & Labor ,000 50/300 75/450 Loss of Use 20/600 30/900 Customizing Equipment Optional coverage May only be purchased with BI/PD Required at minimum limits May only be purchased with BI/PD Additional coverage must be offered up to the limit of BI. If the additional coverage is rejected, it must be done in writing. Limits lower than BI can be selected. May not exceed the BI limits Available on non-owner policies and policies with SR-22 Optional Coverage Must be offered at limits equal to UMBI and the selection or rejection of this coverage must be done in writing. May only be purchased with BI, PD, UMBI, UMPD Limit may not exceed the UMBI limit Available on non-owner policies and policies with SR-22 Required at minimum limits May only be purchased with BI/PD A $200 deductible applies to each loss. Additional coverage must be offered up to the limit of PD. If the additional coverage is rejected, it must be done in writing. Limits lower than PD can be selected. May not exceed the PD limits Available on non-owner policies and policies with SR-22 Optional Coverage Must be offered at limits equal to UMPD and the selection or rejection of this coverage must be done in writing. May only be purchased with BI, PD, UMBI, UMPD Limit may not exceed the UMPD limit Available on non-owner policies and policies with SR-22 Optional Coverage Physical damage only coverage is available, except for those policies requesting a financial responsibility filing. The physical damage only selection applies to all vehicles on the policy. Comprehensive may be written without collision if purchased with BI. Collision may not be written without comprehensive. A description of existing damage must accompany coverage request. Photos may be required. Photos ARE required when endorsing comprehensive or collision coverage onto an existing vehicle on a policy. May only be purchased with comprehensive and collision Age of vehicle may not exceed 25 model years Provides coverage for temporary transportation expenses incurred by the insured in the event of a loss to a covered vehicle Not available without comprehensive and collision 5,000 Coverage for permanently installed or attached equipment in excess of $500 must be scheduled. $50 deductible applies for scheduled coverage *All vehicles on the policy must have the same limits for these coverages. 10

11 DISCOUNTS & SURCHARGES DISCOUNT QUALIFICATIONS REQUIRED DOCUMENTATION Homeowners Discount Named insured owns and resides in a house, town home, condo or duplex. (Mobile homes do not qualify.) Tax documents, mortgage coupon/statement, homeowner s declarations page, or deed In-Agency Discount Named insured meets qualifications for Transfer Discount, and the prior policy was insured by the same agent with no lapse in coverage. Prior policy must include name and address of same agent. Multi-Car Discount Policy has at least two vehicles. N/A Paid-In-Full Discount Full policy premium is paid at inception. N/A Senior Driver Discount 55 & over who have completed an approved Motor Vehicle Accident Prevention Course in the last 3 years. Copy of the certificate of course completion. Transfer Discount Named insured has a minimum of six months of continuous insurance coverage with a carrier other than Omni and no greater than 30 days lapse in coverage. Proof must include prior policy effective date and expiration/ cancellation date. Examples: Declarations Page, Insurance ID Card, Cancellation Notice (The named insured must be listed as the named insured or driver on the prior policy.) SURCHARGE Business/Artisan Use Physical Damage Only SPECIFICS Refer to Vehicle Usage section. Policies without liability coverage. 11

12 PAYMENT PLANS & FEES Policy Term Bill Plan Down Payment Installments 1 st Installment Due In Paid in Full 100% None N/A Basic 2 Pay 50% 50% 60 days Basic Plus 5 Pay 50% 12.5% 30 days Monthly 5 Pay 34% 16.5% 46 days 6 Month Standard 5 Pay 25% 4@ 18.8% 30 days Standard Plus 5 pay 20% 20% 25 days Extended 5 Pay 16.7% 20.83% 18 days Premium Finance 100% None N/A Paid in Full 100% None N/A Basic 4 Pay 25% 25% 60 days Basic Plus 11 Pay 25% 7.5% 30 days Monthly 11 Pay 17% 8.3% 46 days 12 Month Standard 11 Pay 12.5% 10@ 8.8% 30 days Standard Plus 11 Pay 10% 9% 25 days Extended 11 Pay 8.34% 9.17% 18 days Premium Finance 100% None N/A * Policies with SR-22s may only use Monthly, Basic, Basic Plus, Paid in Full, and Premium Finance pay plans FEE AMOUNT SPECIFICS Service Fee $10.00 Included in each monthly installment Convenience Fee / Credit Card Fee $3.00 Applied to each debit or credit card payment Late Fee $10.00 Applied to each payment received later than 5 days after the due date Reinstatement Fee $10.00 Applied each time policy is reinstated with or without a lapse in coverage Cancellation Fee $10.00 Applied to final cancellation of policy due to nonpayment of premium NSF Fee $25.00 Applied to all returned checks SR-22 Filing Fee $25.00 Applied to each driver requiring an SR-22 filing All coverages that are described in the Insuring Agreement and/or Endorsements are subject to policy exclusions and conditions. 12

13 ACCIDENTS & VIOLATIONS Violations, convictions and/or accidents during the last 35 months are chargeable based upon conviction date. Charge for the violation with the highest point value resulting from the same occurrence. In the event that an accident and conviction result from the same occurrence, always charge for the accident. POINTS ASSIGNED VIOLATION TYPES FIRST OCCURRENCE ADDITIONAL OCCURRENCE Alcohol 2 1 Speed 1 2 Minor Violation 1 2 Major Violation 4 4 Unverifiable Driving Record* Ineligible NA Inexperienced Operator** 0 NA * Driver for whom an MVR cannot be obtained. **Insured drivers 20 years of age and older who have less than three years of verifiable driving experience in the U.S. All accidents are chargeable unless acceptable proof is furnished. Acceptable proof of a not-at-fault accident: Police report showing that the other party was cited with a traffic violation Police report showing that the insured vehicle was stationary at the time of the accident Proof that the other party or parties insurer paid for damages POINTS ASSIGNED ACCIDENT TYPES PRIOR 12 MONTHS PRIOR MONTHS At-Fault Accident 6 4 Not At-Fault Accident