The technology. you asked for is here! Introducing. Fast to the finish!

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1 The technology you asked for is here! Introducing Quote BOPs and supporting lines via just seven screens Add umbrella with one click of the mouse Complete the submission in record time Fast to the finish!

2 Products are prepackaged for quicker quoting In order to make it extremely quick and easy for your agency to quote and issue BOP accounts, we pre-selected coverages and most limits for the products eligible for the new quoting application. Your accessexpress SM account quote will include the BOP, plus commercial auto, workers compensation and umbrella, where eligible and when selected. accessexpress SM product package StarAdvantage Businessowners Policy* (Required) Liability limit options: $1 million / $2 million / $2 million $1 million / $3 million / $2 million $1 million / $3 million / $3 million $2 million / $4 million / $4 million Property deductible options: $500 / $1,000 / $2,500 Optional coverages pre-selected based on class of business *Single-state locations with up to 250 employees Commercial Auto* (Optional) Liability limit: UM / UIM limit: $1 million $1 million Comp / Collision deductible: $500 (for each vehicle less than 10 years old) Additional defaults (medical payments, towing, etc.) vary by state *Private passenger, light / medium trucks Workers Compensation (Optional) Employers liability limit options: $100,000 / $500,000 / $100,000 $500,000 / $500,000 / $500,000 $500,000 / $1 million / $500,000 $1 million / $1 million / $1 million Rapid Rate Umbrella (Optional) Limits of $1 million, $2 million and $3 million available for eligible accounts Fast to the finish! Quote the entire account within one easy application Once you ve entered your account information, the new technology goes to work for you, automatically reserving the account and preparing a premium summary for review before you finalize the quote.

3 A wide range of BOP classes are eligible accessexpress is designed to help agents quickly place lower-hazard, Main Street-type BOP accounts with Harleysville. Accountants, bakeries, delis, florists, gift shops and medical offices are but a few of the classes that should easily flow through the quoting application. See complete list below. Office Retail Services Accountants Advertising Agencies Bookkeepers Credit Reporting Agencies Engineers or Architects Health Maintenance Organizations Insurance Agents Interior Decorators Lawyers Manufacturers Representatives Medical Offices Office Building Condominiums (association risk only) Offices (not otherwise classified) Payroll Services Real Estate Agents Ticket Agencies Title Agents Veterinarians Offices Air Conditioning Equipment Appliances Automobile Parts & Supplies Bakeries Bicycle Shops Bone, Horn & Ivory Products Bookbinding & Printing Supplies Books & Magazine Stores Cameras & Photographic Equipment Candy & Confectionery Catalog & Premium Coupon Redemption Ceramics Clothing & Wearing Apparel Computers (no consulting) Dairy Products Delicatessens Department Stores Dry Goods Dealers including Fabrics, Yarn & Piece Goods Electrical Lighting Stores Electronics Fabric Stores Floor Covering Stores Florists Fruit or Vegetable Dealers Furniture - Wood or Metal Gardening and Light Farming Supplies Gift Shops Glass Dealers & Glaziers Grocery Stores Hardware & Tools Health & Nature Food Hearing Aids Hobby, Craft and Art Supplies Home Improvement Stores Janitorial Supplies Jewelry Stores Leather Products Luggage Goods Mail Order Houses Marble Products Meat, Fish, Poultry or Seafood Medical, Hospital & Surgical Supplies Music Stores Pre-Recorded Musical Instruments Newsstands Office Machines & Appliances (no repair) Optical Goods Painting, Pictures or Frames Pet Stores Photographic Equipment Pizza Shops (no deep fat frying) Plumbing Supplies & Fixtures Precision and Scientific Tools and Instruments Refrigeration Equipment Commercial Retail Stores (not otherwise classified) Sewing Machines Shoe Stores Sporting Goods & Athletic Equipment (including apparel) Stationery or Paper Products Supermarkets Swimming Pools Tire Dealers (TIV less than $2.5 M) Toys Trophy Stores Variety Stores Video Stores Wallpaper & Wallcovering Wigs Appliance Installation, Service or Repair Barber Shops Beauty Parlors & Hair Salons (including Nail Salons) Copying & Duplicating Stores Dental Laboratories Engraving Funeral Homes Jewelry Repair Laundry & Dry Cleaning Lithographing Locksmiths Mail Box or Packaging Stores Mailing or Addressing Companies Nail Salons Photoengraving Photographers Printing Shoe Repair Tailors & Dressmaking Taxidermists Television or Radio Receiving Set Installation or Repair Added 8/25/13 For technical assistance, call the Harleysville customer contact center:

4 More reasons you ll like accessexpress In addition to quick quoting, accessexpress: Tell us what you think Automatically reserves the account for your agency, once the quote is approved. Enables you to also bind and issue the business, when eligibility guidelines are met. Generates a comprehensive, professional account proposal that outlines coverages and premiums for all lines quoted, plus an automatic premium quote for employment practices liability insurance (EPLI). Outlines the reason(s) why underwriting referral is required, if the account can t be issued. Saves you time setting up the account, even if you need to transition to the accessharleysville//cl workscreens to complete the submission; all the data you entered in accessexpress is transferred to the CL policy system! Have your system administrator download Microsoft Silverlight 5 to your computer accessexpress requires Microsoft Silverlight 5, a free plug-in to your Web browser that is widely used by Internet sites. This software can be downloaded from the website listed below: For technical assistance at any time, call the Harleysville customer contact center at: Use our feedback tool to rate your user experience We urge all of our agents to take advantage of the feedback tool contained within accessexpress to rate the technology and tell us about your user experience. Your feedback will be monitored regularly and help ensure that accessexpress is working as designed to provide a quicker and easier way for our agents to grow their small commercial business with us! Ready to enter an account via accessexpress? Just click on the QUOTE BOP ACCOUNT tab on the home page of the agent portal. Z /25/ Nationwide Mutual Insurance Company. All rights reserved.

5 StarAdvantage Businessowners Program Coverage features at a glance Coverage Description Coverage Limit Accounts Receivable On Premises/Off Premises Up to $25,000/Up to $10,000 Additional Insureds (Liability) Lessors of Leased Equipment Managers or Lessors of Premises Animals Building Limit Automatic Increase 8% Business Income and Extra Expense Business Income Ordinary Payroll Expense Business Income from Dependent Properties Business Income Extended Period of Indemnity as business personal property Veterinarians Automatically provides: $1,000 per animal and $15,000 per occurrence for uncollectible service charges; $1,000 for recovery expenses; and, $2,500 for removal expenses for actual loss sustained up to 12 months (No waiting period) under business income Up to $5,000 (72-hour waiting period) Up to 30 days Business Income and Extra Expense Interruption of Computer Operations Up to $10,000 Business Personal Property within 1,000 feet of described buildings Printers $25,000 for cost to research, replace or restore lost information on property usual to the printing, publishing and graphic arts industries Business Personal Property of Others Business Personal Property Off Premises/In Transit at replacement cost Printers Marring and scratching exclusion does not apply to printing plates Up to $25,000 Funeral Homes Includes personal effects of deceased human bodies Business Personal Property Seasonal Increase 25% Civil Authority Business Income and Extra Expense Claim Data Collection Expenses Up to $10,000 Computers Consequential Loss to Stock Up to $25,000 Damage to Premises Rented to Insured (Liability) up to 3 weeks (72-hour waiting period for BI) under business personal property Up to $100,000 Damage to Rented Buildings (Property) Up to $5,000 Debris Removal Expense Electronic Data (Property) Up to $10,000 Employee Dishonesty Employment Practices Liability Equipment Breakdown Up to 25% of the paid loss plus a $10,000 additional limit Up to $25,000 (including ERISA compliance) Up to $50,000 ($100,000 in NY) included for new accounts with 250 or fewer employees, with option to deselect Fire Department Service Charge Up to $25,000 Fire Extinguisher Equipment Recharge Expense Up to $10,000 Forgery and Alteration Protection Up to $10,000 Fragile Articles Breakage Limited to specified causes of loss Professional Office Limitation for fragile articles breakage is removed Fungi, Wet Rot, Dry Rot and Bacteria (Property) Up to $15,000 (Limitation N/A in NY) Z-1743A 04/13 Continued

6 StarAdvantage Businessowners Program Coverage Description Coverage Limit Furs ; theft up to $2,500 Glass Glass Expenses Host Liquor Liability Incidental Medical Malpractice Funeral Homes/Professional Office $10,000 sub-limit for theft Jewelry and Precious Metals ; theft up to $2,500 Key and Lock Replacement Up to $1,500 Liability Available Per Occurrence Limits Medical Expense Funeral Homes/Professional Office $10,000 sub-limit for theft $300,000; $500,000; $1 million and $2 million $10,000/person Money and Securities Inside/Outside Premises Up to $25,000/Up to $25,000 Money Orders and Counterfeit Money Up to $10,000 Newly Acquired or Constructed Property Buildings/Business Personal Property Newly Acquired Organization (Liability) Non-owned Watercraft Liability Ordinance or Law Increased Cost of Construction Up to $1 million for up to 60 days/up to $500,000 for up to 60 days up to 180 days if less than 51 feet Up to $10,000 Funeral Homes/Professional Office $1,000 per tree, shrub or plant; $5,000 per occurrence. Outdoor property includes lawns, subject to the per occurrence limit Outdoor Property Fences, antennas, signs covered Trees, plants and shrubs covered up to $500/item, $5,000/occurrence Printers/Professional Office No sub-limit for theft Patterns, Dies and Molds ; theft up to $2,500 Personal Effects Up to $25,000 Personal Injury and Advertising Liability Pollutant Cleanup and Removal (Property) Up to $25,000 Preservation of Property Property Causes of Loss Property Loss Payment (except for select classes) Up to 30 days Risks of direct physical loss Reward Coverage Up to $25,000 Spoilage Caused by Power Outage Up to $10,000 Supplemental Payments (Liability) Bail Bonds/Loss of Earnings Up to $250/Up to $250 Tenants Improvements and Betterments Utility Services (Time Element) Replacement cost; no coinsurance requirement under business personal property Valuable Papers On Premises/Off Premises Up to $25,000/Up to $10,000 Waiver of Transfer of Rights of Recovery (Written Contracts) Liability Up to $25,000 (subject to 24-hour waiting period) Funeral Homes $5,000 for expense incurred to move and store deceased human bodies to preserve them from loss due to power failure Included Water Backup and Sump Overflow Up to $25, Nationwide Mutual Insurance Company. All rights reserved. Note: This product summary is designed to highlight the standard StarAdvantage BOP coverage features. Not all of these coverages may apply to your customer. Whether a particular feature applies to a given policy will depend on the coverage your customer has purchased. For example, some of these coverages will apply only if your customer has selected Business Personal Property Coverage. In addition, your customer s policy may have higher limits or other modifications that make it different from this summary. Review details about the coverage with your customer. No coverage is provided by this summary nor can it be construed to replace any provisions of the policy or its endorsements. If there is any conflict between the policy and this summary, THE PROVISIONS OF THE POLICY WILL PREVAIL.