Hartford Underwriters Insurance Company North Carolina Homeowners Policy Program

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1 Effective Date 10/3/ BASE PREMIUM COMPUTATION A. Computation Instructions ROUND EACH STEP OF THE FOLLOWING RATING SEQUENCE TO THE NEAREST $1. USING A SEQUENTIAL RATING METDOLOGY, MULTIPLY PER THE FOLLOWING: 1. All Forms Except and Base Class Premium x Form Factor = x Protection/Construction Factor = KEY PREMIUM - Wind Exclusion Credit (Territories 05, 06, 42 and 43) = x Key Factor = x Town House/Row House Surcharge Factor = x Special Loss Settlement Factor = x HE Factor (or HE with HE Factor or HE with HE Factor) = x HE Factor (For HE Only) x Ordinance or Law Factor = BASE PREMIUM The following items will be applied in sequence to the Base Premium and each subsequent factor is then applied to the resulting rounded premium from the Previous step. Age of Dwelling Credit Retirees Credit Account Credit Renewal Credit Fire Resistive Credit Personal Property Replacement Cost (including Cov.C increase premium) Additional Amounts of Insurance Protective Devices Inflation Guard Optional Deductible Replacement Cost Loss Settlement For Certain Non-Building Structures Factor All other optional endorsements shall be applied to the ADJUSTED BASE PREMIUM NC

2 801 AGE OF DWELLING CREDIT Age of Dwelling Factor Apply the appropriate factor in accordance with the premium computation sequence in Rule 301. The use of this credit is pursuant to North Carolina Rate Bureau Manual rule A.10. C. NC

3 802 ACCOUNT CREDIT If the insured has a Personal Automobile Policy written in the AARP Automobile Insurance Program and lives in territory 36, 38, 39, 44, 57 or 60 apply a factor of.95 in accordance with the premium computation sequence in Rule 301. The use of this credit is pursuant to North Carolina Rate Bureau Manual rule A.10.A. NC

4 803 MATURE RETIREES CREDIT If the following criteria are met, apply a factor of.98 in accordance with the premium computation sequence in Rule 301. A. One of the Named Insureds is age 50 or older; and B. Neither the Named Insured nor spouse, if any, are employed full time*; and C. The Residence Premises is the Principal Residence of the Named Insured; and D. The Residence Premises is located in Territory 36, 38, 39, 44, 57 or 60. *NOTE: Full time is defined as any person working 24 or more hours per week. The use of this credit is pursuant to North Carolina Rate Bureau Manual rule A.10.B NC

5 804 LIMITED ACCESS CREDIT - FORM AND When an apartment or condominium is located in a building or enclosed (fenced) complex which is protected 24 hours a day by a uniformed guard or guards who 1) monitor all entrances and exits, or 2) regularly patrol the premises, apply a factor of.90 in accordance with the premium computation sequence in Rule 301. The use of this credit is pursuant to North Carolina Rate Burea u Manual rule A.10. C. NC

6 North Carolina Burglary and Theft Program Effective Date10/4/ IDENTITY FRAUD EXPENSE COVERAGE A. Coverage Description When the optional Identity Fraud Expense Coverage endorsement is attached to the policy, $15,000 of coverage is available to pay for expenses incurred by an insured as a direct result of any one identity fraud first discovered or learned of during the policy period. Such expenses include the costs for notarizing fraud affidavits or similar documents; certified mail sent to law enforcement, financial institutions and credit agencies; lost income resulting from time taken off work to meet with or talk to law enforcement or credit agencies; loan application fees for re-applying for a loan when the application is rejected solely because the lender received incorrect credit information; and reasonable attorney's fees incurred to defend lawsuits brought against the insured and to remove criminal or civil judgments. B. Limits Of Liability Up to $15,000 coverage will be provided for the identity fraud of an insured discovered or first learned of during the policy period. C. Premium $24 D. Endorsement 1. Use Identity Fraud Expense Coverage Endorsement. 2. This endorsement provides complete details on coverages, definitions and additional policy conditions applicable to this coverage. NC 805.1

7 Effective Date 10/3/ PRODUCT FACTOR All Forms except and 00 06: 1.00 Forms and 00 06:.64 The use of this rating characteristic is pursuant to North Carolina Rate Bureau Manual Rule 301. NC 806.1