OREGON MUTUAL INSURANCE COMPANY PERSONAL PROTECTOR POLICY PROGRAM PREMIUMS. Step Forms 3 and 5 Premium or Factor Rounding

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1 PERSONAL PROTECTOR POLICY PROGRAM SEQUENCE RATING Step Forms 3 and 5 Premium or Factor Rounding 1 Base premium 2 x Form type nearest 5 decimals 3 x Territory Relativity nearest 5 decimals 4 x Coverage A relativity nearest 5 decimals 5 x Deductible relativity nearest 5 decimals 6 x Protection class relativity nearest 5 decimals 7 x GRC or FRC relativity nearest 5 decimals 8 x CPL credit relativity for secondary, if applicable nearest 5 decimals 9 x Log Home surcharge if applicable nearest 5 decimals 10 x Glass breakage deductible reduction if applicable nearest 5 decimals 11 = This is your Cov. A Basic Premium (in whole dollars). store premium Credits, if applicable 12 x Persistency credit nearest 5 decimals 13 x Protective device nearest 5 decimals 14 x Fire Sprinkler credit nearest 5 decimals 15 x Package nearest 5 decimals 16 x Age of home or newly purchased home (whichever is greater) nearest 5 decimals 17 x Merit surcharge factor, if applicable nearest dollar 18 = This is Premium B (your premium after credits). store premium Subtract 18 from 11 to get total adjustments for policy 19 + Increase in Coverage C dollar 20 + Increase in Coverage D dollar 21 + Liability (Coverage L/M) premiums dollar 22 x Employee Discount, if applicable dollar 23 = Basic Premium Step Form 4 Premium or Factor Rounding 1 Base premium 2 x Territory Relativity nearest 5 decimals 3 x Coverage C relativity nearest 5 decimals 4 x Deductible relativity nearest 5 decimals 5 x Protection class relativity nearest 5 decimals 6 x CPL credit relativity for secondary, if applicable nearest 5 decimals 7 x Occupancy relativity nearest 5 decimals 8 x Special Personal Property relativity, if applicable nearest 5 decimals 9 x Glass breakage deductible reduction if applicable nearest dollar 10 = This is your Cov C Basic Premium (in whole dollars) Store premium October 2010 California R-1

2 PERSONAL PROTECTOR POLICY PROGRAM SEQUENCE RATING (Cont.) Step Form 4 Premium or Factor (Cont.) Rounding Credits, if applicable 11 x Persistency credit nearest 5 decimals 12 x Protective device nearest 5 decimals 13 x Fire Sprinkler credit nearest 5 decimals 14 x Package nearest 5 decimals 15 x Merit surcharge factor, if applicable nearest dollar 16 = This is Premium B (your premium after credits). store premium Subtract 16 from 10 to get total adjustments for policy 17 + Increase in Coverage D dollar 18 + Liability (Coverage L/M) premiums dollar 19 x Employee Discount, if applicable dollar 20 = Total Premium Step Form 6 Premium or Factor Rounding 1 Base premium 2 x Territory Relativity nearest 5 decimals 3 x Coverage C relativity nearest 5 decimals 4 x Deductible relativity nearest 5 decimals 5 x Protection class relativity nearest 5 decimals 6 x CPL credit relativity for secondary, if applicable nearest 5 decimals 7 x Occupancy relativity nearest 5 decimals 8 x Special Building and Contents relativity, if applicable nearest 5 decimals 9 x Glass breakage deductible reduction if applicable nearest dollar 10 = This is your Cov C Basic Premium (in whole dollars) Store premium Credits, if applicable 11 x Persistency credit nearest 5 decimals 12 x Protective device nearest 5 decimals 13 x Fire Sprinkler credit nearest 5 decimals 14 x Package nearest 5 decimals 15 x Merit surcharge factor, if applicable nearest dollar 16 = This is Premium B (your premium after credits). store premium Subtract 16 from 10 to get total adjustments for policy 17 + Increase in Coverage D dollar 18 + Liability (Coverage L/M) premiums dollar 19 x Employee Discount, if applicable dollar 20 = Total Premium R-2 California October 2010

3 PERSONAL PROTECTOR POLICY PROGRAM CONSTRUCTION DEFINITIONS 1. 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. 2. Masonry Veneer exterior walls of combustible construction veneered with brick or stone. 3. Masonry exterior walls constructed of masonry material such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials and floors and roof of combustible construction (disregarding floors resting directly on the ground). Note: Mixed (masonry/frame) a combination of both frame and masonry construction shall be classed and coded as frame when the exterior walls of frame construction (including gables) exceed 33.3 percent of the total exterior wall area, otherwise class and code as masonry. PROTECTION INFORMATION 1. Definitions and Standards Standard Public Fire Hydrants: Public fire hydrants, to be recognized as standard, must be (1) connected to a public water system, (2) of approved frost proof design available for use in all seasons of the year, (3) equipped with standard 2½ inch hose outlets, and (4) supplied by pipe not less than 4 inches in diameter. Public fire cisterns and pumper supply points that meet requirements of the Public Protection Classification Manual - California may be recognized as equivalent to standard public fire hydrants. Travel Distances: Distances from buildings to the nearest recognized fire station or standard fire hydrant shall be measured over roadways accessible to fire department apparatus. December 2005 California R-3

4 PERSONAL PROTECTOR POLICY PROGRAM PROTECTION INFORMATION (Cont.) 2. Classification of Public Protection Protection classifications for dwellings are determined by reference to the rules and listings of the numerical classifications for cities, towns and fire protection districts appearing in Public Protection Classification Manual California. Class rated properties are as follows: a. Areas not listed are assigned class 10. b. Properties over ten miles from a fire station are assigned class 10. c. The protection class(es) for a graded area is applicable only to property located within the city limits if the graded area is a city or town; or inside the district boundaries if the graded area is a fire district or protection association. d. If the graded area has special instructions the protection class is based on distances from fire hydrants, pumper connection sites, and/or distance from a fire station. e. Fire hydrants. In order to use the protection class associated with distances to a fire hydrant/pumper connection, the risk must be within five (5) miles of a fire station and within the stated distance to the hydrant/pumper connection as measured over roadways assessable to fire apparatus. Hydrants must be: (1) connected to a water system listed for the graded area, (2) be designed for year round use, and (3) be supplied by a four inch or larger pipe. f. Pumper connection sites must be listed for the graded area. g. Fire stations. In order to use the protection class associated with the distance to a fire station, the distance is measured over roadways assessable to fire apparatus from only those fire station locations listed for the graded area. h. Suburban Protection Rating (Renewal Business only): A dwelling which meets the following criteria may be rated Protection Class 8 or the same Protection Class as the responding municipality or rural fire district, whichever is lower, if: (1) The residence is located within five miles travel distance of a recognized fire department which will respond; or (2) The residence is located within 1,000 feet of a reliable year-round water supply, such as fire hydrant system, stream, cistern, or swimming pool capable of furnishing at least 200 gallons of water per minute for 20 minutes and the responding fire department is capable of transporting at least 4,000 gallons of water to the fire location; and (3) The residence is not located in a severe brush or forest area. 3. Dwellings not provided for under paragraphs 1. and 2., above, shall be rated as Class 10. FORMS 4 & 6 CONSTRUCTION/OCCUPANY GROUPS FORM 4 TENANTS FORM 6 CONDOMINIUM UNIT OWNERS C/O I C/O II CONSTRUCTION/OCCUPANCY GROUP I Apartments units in 1 4 family residences of any construction and any apartment unit in a fire resistive building. CONSTRUCTION/OCCUPANCY GROUP II Apartment units in all other buildings. R-4 California December 2005

5 PERSONAL PROTECTOR POLICY PROGRAM MERIT RATING ALL FORMS A factor will be applied to all premiums (except earthquake coverage) based on the Named Insured s chargeable claim experience. Determination of the charging of claims and reclassification due to the time elapsed since claims became chargeable will occur at each renewal. Points Charged No Charge Cause of Loss Aircraft Credit Card Domestic Workers Compensation Earthquake, or Landslide Lightning Not Resulting in Fire Medical Payments Riot and Civil Commotion Sinkhole Collapse 1 Point Glass Breakage Power surge, Including Burnouts and Blackouts Vehicle Damage Wind, Hail, Tornado 3 Points All Other Physical Damage Bodily Injury, Personal Injury, and Property Damage Liability Breakage Collapse Other than Sinkhole Collision, Upset, Overturn Debris Removal Explosion Fire, Lightning Resulting in Fire and Removal (includes Smoke), Wood burning, Smoke Flood, Sewer Backup (including Sump Pump Backup) Freezing Liability -Fire Legal Liability - All Other Mysterious Disappearance On or Off Premises Theft (Burglary and Robber), On or Off Premises, from Auto Vandalism and Malicious Mischief Volcanic Action Water Damage Weight of Ice, Snow, or Sleet Claims are chargeable if they have occurred during the three year period prior to the policy effective date. Any Section I or Section II claim with a payment made in excess of $1,000 that occurred under the Named Insured s prior insurance policy (ies), as well as any claims that occurred under the current Homeowners Policy, will be considered in determining chargeable points. Any individual claim with more than one cause of loss will be charged based on the points from the highest rated cause of loss. For renewal business, claims occurring 45 days prior to the policy effective date will not be considered until the next renewal. The merit rating factors are shown on manual page R-6. August 2007 California R-5

6 HOMEOWNER BASE RATES, CREDITS, AND RELATIVITIES Statewide Base Rate Statewide Base Rate Forms 1,3, & 5 Forms 4 & 6 CPL Credit Relativities Base Rate $ Form 4 $ Secondary Credit 0.90 Form 6 $ No Credit 1.00 Homeowner Deductible Relativities PC Relativities Form Relativities PC OMI - Form (Base) 1.00 PC OMI - Form , PC OMI - Form , PC 8B , PC 1Y - 8Y PC Glass Breakage $25 Ded. PC 1X - 8X Policy Ded. Relativity Forms 1, 3, & 5 PC Construction Factor PC 10W Frame , Masonry Veneer Forms 4 & 6 2, Brick/Stone Masonry Occupancy Codes 5, Fire Resistive Aluminum/Plastic/Steel All Other Log Construction Protective Device Factor Local Burglary Forms 1, 3, & 5 Package Factor Smoke/Fire Ext/Dbolt Combo Replacement Cost Provisions & Package Control Station Functional Replacement Central Station Functional Replacement Special Bldg. & Contents Replacement Cost Prov (H045) Forms 5 & 6 YES 1.10 Fire Sprinklers Factor NO 1.00 In All Areas Persistency Relativities All Areas Except Attics, Consecutive Years Special Personal Prop. Bathrooms, Closets, Attached Struct. Insured Factor Coverage C 0-2 years 1.00 (H016) Form 4 3 years 0.98 YES 1.10 Merit Surcharge Points Factor 4 years 0.95 NO Points years Points years Points or more years Points Points Points Newly Purchased Home Discount 6 Points Forms 1, 3, & 5 7 Points year Points years years years 0.98 More than 4 years 1.00 R-6 California September 2016

7 HOMEOWNER BASE RATES, CREDITS, AND RELATIVITIES (Cont.) Forms 1, 3, & 5 Age of Home Factor & older August 2015 California R-7

8 RATE FACTORS FORMS 1, 3, & 5 Coverage A Coverage A Coverage A Coverage A Coverage A Amount Factor Amount Factor Amount Factor Amount Factor Amount Factor 100, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , R-8 California August 2015

9 RATE FACTORS FORMS 1, 3, & 5 (Cont.) Coverage A Coverage A Coverage A Coverage A Coverage A Amount Factor Amount Factor Amount Factor Amount Factor Amount Factor 340, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , August 2015 California R-9

10 RATE FACTORS FORMS 1, 3, & 5 (Cont.) Coverage A Coverage A Coverage A Coverage A Coverage A Amount Factor Amount Factor Amount Factor Amount Factor Amount Factor 580, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , R-10 California August 2015

11 RATE FACTORS FORMS 1, 3, & 5 (Cont.) Coverage A Coverage A Coverage A Coverage A Coverage A Amount Factor Amount Factor Amount Factor Amount Factor Amount Factor 820, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , For each additional $1,000 add August 2015 California R-11

12 RATE FACTORS FORM 4 Coverage C Coverage C Coverage C Coverage C Coverage C Amount Factor Amount Factor Amount Factor Amount Factor Amount Factor 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , For each additional $1,000 add R-12 California August 2015

13 RATE FACTORS FORM 6 Coverage C Coverage C Coverage C Coverage C Coverage C Amount Factor Amount Factor Amount Factor Amount Factor Amount Factor 20, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , For each additional $1,000 add August 2015 California R-13