OREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD CREDITS AND OPTIONS

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1 ACCIDENT FORGIVENESS 1. For a policy that has had no at fault accidents in the prior three years, any surcharge for the first at fault accident caused by rated drivers 18 years or older will be waived. If any rated driver on the policy has had a major violation or speed cite over 20 miles per hour in the prior three years, the at fault accident will not be waived. If Oregon Mutual Insurance has paid for any at fault accident on the policy in the last three years, the at fault accident will not be waived. 2. Subsequent at fault accidents in the next three years will result in a surcharge, as well as all at fault accidents for drivers less than 18 years of age. Accidents are not waived for any at fault accident for non-rated drivers. 3. In order for the at fault accident to continue to be waived, the accident forgiveness endorsement must be continued until the policy term expiration where the accident is three years old or more. ADDITIONAL EQUIPMENT AND CUSTOMIZATION COVERAGE Total Cost Additional Equipment and Customization Six Month Premium $ $ , ,001 1, ,501 2, ,001 2, ,501 3, ,001 3, ,501 4, ,001 4, ,501 5, ,001 and Over Refer to Company Permanently installed equipment and customization that is not factory installed or dealer installed prior to a new car purchase may be scheduled individually under this endorsement. The rate is based on the total value of the listed items. This coverage is available for the following: 1. Vehicle equipment including, but not limited to: a. Custom wheels and tires b. Custom body/interior work, including custom T tops c. Special carpeting, insulation, paneling, cooking, sleeping, and bathroom facilities, or height extending roofs d. Custom engine work and parts e. Custom paint and trim work f. Any equipment which modifies the vehicle's appearance or performance 2. Sound reproduction equipment and accessories valued in excess of $500 including, but not limited to: a. Radios and stereos b. Speakers and amplifiers c. Compact disk players d. Digital/audio format players e. Satellite audio receivers August 2016 Oregon CO-1

2 ADDITIONAL EQUIPMENT AND CUSTOMIZATION COVERAGE (Cont.) 3. Electronic equipment that receives and/or transmits audio, visual, and data signals and is not designed solely for the reproduction of sound including, but not limited to: a. Citizens band radios b. Telephones c. Two-way mobile radios d. Television monitor receivers e. Scanning monitor receivers f. Audio cassette recorders g. Video cassette recorders h. Digital video disk (DVD) players i. Satellite television receivers Accessories used with electronic equipment that receives or transmits audio, visual, or data signals as listed above. Excluded from coverage are radar detectors and other devices designed to evade traffic laws. Additional Equipment and Customization Coverage is only available on those vehicles for which Comprehensive and Collision coverage are provided. No additional deductible applies. ADDITIONAL INSURED An additional insured may be endorsed onto the policy at no additional charge, provided the company is advised as respect to the additional insured's interest in the vehicle, and driving information (drivers license number, date of birth, accident and citation record is required if the additional insured will be operating the vehicle). ADVANCE QUOTING CREDIT Credit only applies if the prior carrier is preferred or standard and there has been no lapse in coverage. This credit will automatically be applied to new business policies based on the number of days in advance of the policy effective date that the coverage was quoted. If applied, the new policy will continue to receive a discount factor in accordance with the schedule found in the rating factor pages. If prior carrier is Oregon Mutual or Western Protectors this credit does not apply. AFFINITY CREDIT A 5% affinity discount applies to BI, PD, PIP, UMBI, UMPD, Comp, and Collision for specific company approved groups such as credit unions. The following are currently company-approved as affinity groups: 1. First Tech Credit Union Members 2. Selco Credit Union Members 3. MAPS Credit Union Members 4. First Community Credit Union Members The discount applies to all vehicle types except non-owned auto. CO-2 Oregon August 2016

3 ANTI-THEFT DEVICES CREDIT This credit applies to Comprehensive coverage only. To qualify, the vehicle must be equipped with one or more of the following: 1. Alarm only devices which sound an audible alarm that can be heard at a distance of at least 300 feet for a minimum of three minutes. 2. Active disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as active if a separate manual step is required to engage the device. 3. Passive disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as passive if a separate manual step is not required to engage the drive. AUTOMOBILE GLASS REPAIR WAIVER When there is damage to glass caused by comprehensive covered perils, and the glass can be repaired rather than replaced, the comprehensive deductible will be waived. This coverage will only be offered on vehicles which have comprehensive coverage. PLUS Custom Shield Plus provides a package of policy level coverage, including one deductible for auto and home; key replacement; worldwide comp, collision, and loss of use coverage for rental cars (excluding Mexico); pet medical; personal property; and Laptop/smartphone/IPad collision damage. 1. If selected, the charge applies to all PPV's, MH, Antique, Restricted and Regular Use Classic 2. For each eligible vehicle charge 5% of the total premium for major policy coverages 3. N/A for Non-owned auto, comp only and all trailers DEFENSIVE DRIVER DISCOUNT CREDIT A 5% credit will apply to all major coverages for principal drivers age 55 or older who have successfully completed a Defensive Driver accident prevention course meeting criteria of the department of licensing. The discount is disallowed if: 1. There are persons under 25 years of age who regularly operate the vehicle; 2. The vehicle is classed or utilized for business; or 3. If the person takes the approved course as a punishment, specified by a court or other government entity, for a moving violation. As a condition of maintaining the discount after initial processing or certification, the insured: 1. Shall not be involved in an accident for which the insured is at fault; or 2. Be convicted of or plead guilty or nolo contendere of any moving traffic violation. The premium reduction period is limited to three years for drivers less than 70 years of age and two years for those 70 years or older at the time the course was completed. The discount continuation is based upon recertification and the above criteria or conditions. If the person qualifying for the premium reduction is the principal operator of two or more vehicles, the discount applies only once per eligible driver in driver averaging. March 2016 Oregon CO-3

4 DIMINISHING DEDUCTIBLE Optional policy level endorsement. The deductible will be reduced by $100 annually (up to $500 total) as long as there have been no at-fault accidents or collision losses within the past year. Selected/purchased at policy level, then applies to all vehicles with collision coverage (though only charge on PPV, Regular Use Classic, and MH). EMERGENCY ASSISTANCE PACKAGE EAP This coverage is available for private passenger vehicles and motorhomes and provides: 1. Transportation expenses/rental cost coverage 2. Emergency expenses 3. Personal property coverage 4. Lock coverage 5. Increased supplementary payments coverage Other requirements: 1. Coverage can be selected by individual vehicle 2. Vehicles with EAP cannot have Transportation Expenses 3. If EAP is purchased Comprehensive, Collision, and Roadside Assistance must also be provided. Emergency Assistance Pkg Policy Term Premium 6 months $ Months $30.00 ENHANCED WINDOW GLASS 1. Coverage is available by vehicle for private passenger vehicles, antique autos, classic autos, motorhomes, and trailers that have comprehensive and collision coverage. 2. It provides for the repair or replacement of damaged window glass without regard to the applicable deductible when comprehensive coverage applies to the loss. 3. The charge is a percentage of the comprehensive premium for the vehicle and varies based on the deductible chosen for comprehensive as follows: Comprehensive Deductible Relativity CO-4 Oregon March 2016

5 EXTENDED NON-OWNED AUTO 1. This insurance is available for the named insured or a relative living in the same household. Coverage is provided for the use by the named individual of any non-owned automobile, as provided in the endorsement. 2. Submit complete information regarding: a. Estimated annual mileage of non-owned automobile. b. Whether there is underlying insurance covering the named insured or relative on a direct primary basis. c. Type of vehicle and use of vehicle usually driven. d. Specific occupation of the insured. FAMILY DISCOUNT A driver under age 18 will be rated using all aspects of rating that apply to an 18 year old if the following qualifications are met: 1. The driver under 18 years of age is added to the OMI inforce policy. 2. The inforce policy must be with Oregon Mutual for two or more continuous years. 3. No at fault accidents, not more than one (1) cite and not more than one (1) not at fault accident in the household in the last three years. FIVE YEAR EXPERIENCE CREDIT This credit will not apply to the policy if any of the following apply: 1. Any driver on the policy has a chargeable violation in the last five years. 2. Any at fault accident on the policy in the last five years. 3. Any driver on the policy has more than one non-glass comprehensive claim in the last five years. 4. Named insured has five years or less of driving experience. Chargeable is defined as activity that would have been chargeable under the Merit Rating Plan. INSURANCE CREDIT SCORE Oregon Mutual is utilizing TransUnion TrueRisk 2.0 for auto for insurance credit score. Insurance Credit Score is ordered for new business only, unless the policyholder requests an update. We will only use the revised score if it reduces the policyholder's premium. LEGACY CREDIT Legacy Credit applies when a driver on his/her parents' policy is moved to his/her own policy as applicant or co-applicant. Eligibility requirements are as follows: 1. Driver must be under 25 years of age and on parent(s)' policy for at least two years. 2. Must be no more than 1 cite and 1 accident within past three years for all drivers on new policy. This factor is applied in the driver averaging calculation and the factor varies by age. LIABILITY ASSUMED BY CONTRACT This coverage indemnifies the insured up to $1,000 for liability assumed by contract under most car rental agreements (at no additional charge). August 2016 Oregon CO-5

6 LISTED OPERATOR COVERAGE The Custom Shield Listed Operator policy provides limited coverage for undisclosed (unlisted) drivers. However, all individuals listed as drivers receive full policy limits. If the broader Custom Shield policy is purchased, it provides coverage at the policy limits for undisclosed drivers who are using the insured's vehicles within the scope of the permission given by the insured. A 7% charge applies to major coverages for all vehicles except comp only vehicles and extended non-owned auto. LONGEVITY (LOYALTY) CREDIT This credit will be applied automatically at renewal on policies based on the number of years since original inception. Term effective date minus original effective date equals years with OMI. This credit applies to all major coverages for all vehicles except comp only and non-owned auto. LOW MILEAGE CREDIT Low mileage credit is optional for regular use PPV's driven 9,000 miles annually or less, subject to the following requirements: 1. The credit must be requested and selected by the insured. 2. It applies only to regular use PPV type vehicles. 3. Insured must verify the low mileage by providing annual odometer readings. 4. If verification is not provided or the verification shows mileage above the mileage range of the credit, the credit will be removed at the next renewal term. MILITARY DEPLOYMENT CREDIT A Military Deployment Credit will be given on the automobile policy for insureds who are members of the military and have received military orders for active deployment in an active war zone. This credit applies to bodily injury, property damage liability, personal injury protection, uninsured/underinsured motorist (UMBI and UMPD), comprehensive, and collision coverages. In order to process the Military Deployment Credit, we require this credit be selected or indicated on the automobile new business or change application(s). This credit will be removed effective the renewal date following the date of the insured's return from deployment. PACKAGE CREDIT A Package Credit will be given on the automobile policy for policyholders who also insure their Homeowners coverage with Oregon Mutual. The credit varies based on the type of homeowner policy and whether or not there is an Oregon Mutual umbrella policy. The credit applies to all vehicles except comp only and non-owned auto and to all major coverages. In order to process the Package Credit we require the supporting homeowner policy number to be listed on the automobile new business or change application(s). The homeowner policy must be in force to qualify for this credit. CO-6 Oregon August 2016

7 PHYSICAL DAMAGE LOAN/LEASE BALANCE This endorsement provides coverage to satisfy the outstanding indebtedness incurred in conjunction with the purchase or lease of a vehicle classed as a private passenger vehicle having both comprehensive and collision coverage. The endorsement will pay off the loan/lease balance on a specified vehicle if it is a total loss and the actual cash value is less than the loan/lease balance. The coverage is available: 1. For indebtedness that was incurred exclusively in conjunction with the financing of the purchase or lease of your private passenger automobile as a new motor vehicle. 2. Provided the new vehicle is added within 30 days of purchase or 30 days of inception. The premium charge is 5% of the total premiums for comprehensive and collision coverage applying to the covered automobile. PHYSICAL DAMAGE MOTORHOME, TRAVEL TRAILER, OR CAMPER Provides coverage for Motorhomes, Travel Trailers, Tent Trailers, Trailers or Campers designed to be towed by, or used with a private passenger or utility auto. Rates refer to the travel trailer and motorhome rate page. PRIOR LIABILITY COVERAGE Elements of the applicant's prior insurance history will be used for rating. Prior policy type, prior bodily injury limits, prior lapse in liability coverage, and months with prior carrier will be classified as specified in the rating factor pages. 1. Prior Policy Type a. Prior policy type refers to the type of insurance carrier (standard/nonstandard/no prior) covering the first named insured immediately preceding the inception of the Oregon Mutual Insurance (OMI) policy. Some examples of no prior/no need may include but are not be limited to; away on military service, out of the country, not owning a vehicle, etc. b. If the applicant had a liability insurance policy prior to OMI and the policy had lapsed (expired) prior to the inception of the OMI policy, but not more than six days prior to the OMI policy, the prior policy type may be either standard or nonstandard, whichever one applies. If the prior policy lapsed seven days or more prior to the effective date of the OMI policy, the prior policy type will be no prior or no prior/no need. c. At the second anniversary (24 months from inception) of the OMI policy the factor will be amended to reflect the prior policy type of standard (relativity of 1.0). d. The rate for prior policy type does not differ between standard and non-standard prior. 2. Prior Bodily Injury Limit a. The prior bodily injury limit is the first named insured's liability limits immediately preceding the inception of the OMI policy. If the prior policy lapsed seven days or more prior to the effective date of the OMI policy, the prior BI Limits are rated as no prior. b. At the second anniversary (24 months from inception) of the OMI policy, the factor used for Prior BI Limit will be selected using the OMI Policy BI Limit. 3. Prior Policy Lapse a. A surcharge will apply if the first named insured did not have liability insurance immediately preceding the inception of the OMI policy. July 2015 Oregon CO-7

8 PRIOR LIABILITY COVERAGE (Cont.) b. Zero days lapsed equals no lapse and no prior/no need. Some examples of no prior/no need may include, but are not be limited to; away on military service, out of the country, not owning a vehicle, etc. c. At the second anniversary (24 months from inception) of the OMI policy the number of days lapsed factor will be amended to reflect zero days lapse, if not already being rated as zero days lapsed, with a relativity of Months with Prior Carrier Months with Prior Carrier are the number of months preceding the inception of the Oregon Mutual Insurance policy that the first named insured had continuous coverage with the prior carrier. The credit is subject to the following requirements: a. This credit applies regardless of the prior carrier type. b. This credit only applies if there was not a lapse in coverage of seven or more days with the prior carrier and no prior/no need. c. This credit does not apply if Oregon Mutual or Western Protectors is the prior carrier. 5. When the lapse days between prior insurance and quote effective date is seven or more days, the quote is rated using the "No Prior coverage" categories even though there was a prior insurance carrier. ROADSIDE ASSISTANCE 1. Roadside assistance coverage is available by vehicle for private passenger vehicles, motorhomes, and travel trailers using Oregon Mutual's authorized service provider. The coverage provides the following subject to a maximum of five disablements per 12-month consecutive period: a. Towing of a covered disabled vehicle to the nearest qualified repair facility b. Minor on-site labor at the place of disablement Roadside Assistance PPV Tow Miles MH & TT Limit Out of Network Limit PPV Premiums MH & TT Premiums 25 miles $400 $100 $6.00 $ miles $500 $150 $7.00 $ miles $600 $250 $10.00 $ Covered emergencies include: a. mechanical or electrical breakdown; b. battery failure; c. insufficient supply of fuel, oil, water, or other fluid; d. flat tire; e. lock-out; f. entrapment in snow, mud, water, or sand. 3. Antique autos, restricted use classic autos, and trailers, other than travel trailers, are not eligible for coverage. 4. This is a flat charge, no other factors apply. Annual premium is 2 x 6 month premium shown above. 5. Coverage may be written on well-maintained vehicles whether or not physical damage applies. CO-8 Oregon March 2016

9 TRANSPORTATION EXPENSES AND LOSS OF USE This optional coverage is available by vehicle for regular use private passenger autos and motorhomes. This coverage is subject to the following eligibility requirements: 1. N/A for antique, restricted use classic, trailers, or non-owned auto 2. Vehicles with Emergency Assistance Package are ineligible 3. Comp and collision coverage are required 4. This is a flat charge, no other factors apply. Rental Cost Coverage 6 months Daily Limit Maximum Premium $35.00 $1, $12.00 $50.00 $1, $18.00 Rental Cost Coverage 12 months Daily Limit Maximum Premium $35.00 $1, $24.00 $50.00 $1, $36.00 VEHICLE REPLACEMENT OR UPGRADE COVERAGE Optional coverage selected at the vehicle level that provides replacement coverage for a vehicle one year old or newer and upgrade to a one year newer vehicle if the vehicle is over one year old. This coverage is subject to the following requirements: 1. Charge is 5% of the Collision Premium 2. Only available when adding a newly purchased vehicle aged five years or less 3. Vehicle must be in well-maintained with no existing damage 4. Coverage may be continued until the vehicle is 15 years old UNINSURED/UNDERINSURED MOTORISTS PROPERTY DAMAGE COVERAGE Oregon Insurance law requires that this coverage be made available for any private passenger vehicle or self-propelled mobile home in an amount at least equal to the financial responsibility limits. When coverage is purchased above the $10,000 state statute amount, the vehicle(s) must also carry comprehensive and collision coverage. Uninsured/Underinsured Motorist Property Damage Protection Coverage is subject to a $300 deductible for accidents involving hit-and-run or phantom vehicles; and a $200 deductible for an accident with any other type of uninsured motor vehicle. May 2014 Oregon CO-9