DWELLING SECTION TABLE OF CONTENTS

DWELLING SECTION TABLE OF CONTENTS ITEM NSDWG PAGE Back Up of Sewer, Drain or Sump System... 14 Billing Procedures... 13 Calculation of Premium... 5 Condominium Unit-Owners Additions... 14 Construction Definitions... 5 Coverages, Explanation Of... 1 Coverage B - Related Private Structures... 16-17 Coverage D - Additional Living Costs and Fair Rental Value... 15 Deductibles... 13 Definition of a Single Building... 3 Dwelling Under Construction... 3 Eligibility... 2 Fire and Extended Coverage Insurance... 1 Fire Department Service Charges... 15 Fire Protection Classification... 5 Inflation Guard... 4 Location of Risk Modifiers... 13 Loss Assessment and Association Deductible... 15 Loss Due To By-Products From Production Or Processing Products Exclusion... 4 Loss Settlement... 4 Masonry Veneer Buildings... 4 Minimum Coverage Limits... 2 Minimum Premium... 4 Mobile or Trailer Homes... 16 Personal Liability... 20 Policy Term... 1 Premium Charts and Computation, Explanation Of... 6 Protective Devices... 13 Rate Pages - Base Premium Charts Frame, 1 and 2 Family, Protected... 7 Frame, 1 and 2 Family, Partially Protected... 8 Frame, 1 and 2 Family, Unprotected... 9 Frame, 3 and 4 Family, Protected... 10 Frame, 3 and 4 Family, Partially Protected... 11 Frame, 3 and 4 Family, Unprotected... 12 Rating Territories and Location of Risk Modifiers... 13 Related Private Structures... 16-17 Rental or Seasonal Dwelling Liability... 20 Replacement Cost Coverage (DF-2 and DF-3) (Including Roof Surfacing)... 17 Replacement Cost Coverage (DF-2 and DF-3) (Not including Roof Surfacing)... 17 Seasonal Dwellings... 18 Theft Coverage... 18-19 Townhouses... 19 Underwriting Rules... 3 Vacant Dwellings... 4 Wood Shingle Surcharge... 13 Woodburning/Solid Fuel Surcharge... 19 Minnesota New Business 01-01-17 North Star Mutual Ins. Co. Renewals 01-01-17

FIRE AND EXTENDED COVERAGE INSURANCE It is required that both FIRE and EXTENDED COVERAGE be written. This program is designed to be used for 1, 2, 3 & 4 family dwellings only. Apartment houses, boarding and rooming houses and other commercial risks must be written under one of our Commercial programs - please submit to Home Office for acceptance and rating. Vandalism is an optional peril for Basic Form (DF-1). Vandalism may not be deleted on Broad Form (DF-2) or Special Form (DF-3). This program does not apply to farm property - refer to our Farm programs. POLICY TERM Policies are written on a 1 year basis. The policy will be automatically renewed each year with an updated declarations page. The policy will be subject to the premiums, rules and forms in effect at the time of renewal. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only an updated declarations and forms that are new or revised. Policyholders may receive all policy forms upon request a statement notifying the insured of this will be on each annual declarations. COVERAGES 1. Basic Form (DF-1) - Covers the Residence, Related Private Structures, Personal Property and Additional Living Costs/Fair Rental Value for direct physical loss to the property covered caused by a peril listed below unless the loss is excluded in the General Exclusions. Fire or Lightning Windstorm or Hail Explosion Riot or Civil Commotion Aircraft Vehicles Sudden and Accidental Damage from Smoke Sinkhole Collapse Volcanic Action Vandalism (Optional) NOTE: DF-1 only, Vandalism does not include loss to glass or safety glazing material. 2. Broad Form (DF-2) - Covers the Residence, Related Private Structures, Personal Property, and Additional Living Costs/Fair Rental Value for direct physical loss to the property covered caused by a peril listed below unless the loss is excluded in the General Exclusions. Includes all the perils listed for Basic Form (DF-1), plus: Vandalism Sudden and Accidental Tearing Apart, Cracking, Burning Burglary Damage or Bulging of a Heat or Air Conditioning System, Falling Objects or Water Heater. Weight of Ice, Snow or Sleet Freezing of a Plumbing, Heating, or Air Conditioning Accidental Discharge or Overflow of Water or System or Household Appliance. Steam Sudden and Accidental Damage from Artificially Generated Electrical Current. 3. Special Form (DF-3) - Covers the Residence and Related Private Structures for risks of direct physical loss unless the loss is excluded. Personal Property is covered for the same perils as provided in Broad Form (DF- 2). Additional Living Costs/Fair Rental Value is covered for the same perils applicable to the covered property damaged. 4. The following coverages are described in DF-1, DF-2 and DF-3 (unless indicated otherwise) and only apply if a limit is shown on the declarations for that coverage. Coverage A - Residence Coverage B - Related Private Structures (Up to 10% of the limit on residence automatically applies) Coverage C - Personal Property Coverage D - Additional Living Costs/Fair Rental Value (Up to 10% of the limit on residence automatically applies) 5. Liability and Medical Payments coverages are also available - see Liability paragraphs. 6. NOTE: There is no theft coverage provided by Basic Form (DF-1), Broad Form (DF-2) or Special Form (DF-3). If theft coverage is desired see THEFT COVERAGE paragraph. North Star Mutual Ins. Co. NSDWG - 1 Renewals 01-01-16

MINIMUM COVERAGE LIMITS All coverages are written on an ACTUAL CASH VALUE basis, however, to make it easy to determine minimum coverage amounts the minimums are based off of a dwelling's full replacement cost. Existing business will not be subject to the minimum dollar limits shown but will be subject to the percentage minimum shown. Seasonal Dwellings and Mobile Homes are subject to the minimum dollar limits shown. 1. DF-1: 50% of full replacement cost but not less than $30,000 2. DF-2 *: 60% of full replacement cost but not less than $40,000 3. DF-3 *: 60% of full replacement cost but not less than $50,000 4. * Exception: 80% or more of full replacement cost is required on Forms DF-2 and DF-3 if replacement cost loss settlement coverage is purchased. Automatic Inflation Guard will apply to dwellings written on a replacement cost basis. See the paragraph titled Replacement Cost Coverage for more details and the applicable charge. 5. Seasonal Dwelling: $15,000 6. Mobile Homes: $ 5,000 ELIGIBILITY A Dwelling Policy may be issued to provide insurance under: 1. Coverage A - on a dwelling building: a. Used solely for residential purposes except that certain incidental occupancies are permitted; b. Containing not more than 4 apartments; and c. Which may be in a townhouse or row house structure; or d. In course of construction. 2. Coverage A - on a mobile or trailer home: a. Using Basic Form (DF-1) only; b. Used solely for residential purposes except that certain incidental occupancies are permitted; c. Containing not more than 1 apartment; and d. At the permanent location described in the policy. 3. Coverage B - Related Private Structures: a. At the same location as the dwelling eligible for insurance under Coverage A; b. Not used for business purposes except a permitted incidental occupancy or when rented for use as a private garage; and c. At a separate location when used in connection with the insured location but not for business purposes. 4. Coverage C - Personal Property in: a. A dwelling, mobile or trailer home eligible under Coverage A; or b. A dwelling with rental apartments including furnishings, equipment and appliances in halls or utility rooms; or c. Any apartment, cooperative or condominium unit used as private living quarters of the insured or rented to others. 5. Coverage D - for the additional living costs incurred to maintain the insured s household or the loss of the fair rental value of: a. A building eligible for insurance under Coverages A or B; or b. Private living quarters eligible under Coverage C. North Star Mutual Ins. Co. NSDWG - 2 Renewals 01-01-16

UNDERWRITING RULES 1. A completed Dwelling Fire application must be submitted along with at least two recent photos of the dwelling (front and rear). Photos of all structures on the premises should be submitted for review. 2. Total dwelling insurance must equal 50% or more of full replacement cost but not less than $30,000 for Basic Form (DF-1), 60% or more of full replacement cost but not less than $40,000 for Broad Form (DF-2) and 60% or more of full replacement cost but not less than $50,000 for Special Form (DF-3). Exception: 80% or more of full replacement cost is required on Forms DF-2 and DF-3 if replacement cost loss settlement coverage is purchased. Automatic Inflation Guard will apply to dwellings written on a replacement cost basis. See the paragraph titled Replacement Cost Coverage DF-1467 or Replacement Cost Coverage DF-1786 on page NSDWG 18 for more details and the applicable charge. Attach a MSB RCT calculation for all dwellings insured. 3. Maximum limits available for dwellings insured under Coverage A are: Protected - $400,000; Partially Protected - $300,000; Unprotected - $200,000. 4. Minimum coverage written on seasonal dwellings is $15,000. Minimum coverage written on mobile homes is $5,000. 5. Any existing hail or windstorm damage must be disclosed on the application. 6. Owner-occupied mobile homes less than 15 years of age are eligible. 7. Dwellings must have a solid and continuous foundation. 8. A central heating system is required for all dwellings rented to others. 9. Following is a list of Dwelling Fire risks not to be bound and generally will not be written: a. Property in generally below average physical condition. b. Risks cancelled or non-renewed by other carriers. c. Risks which have sustained 2 OR MORE losses during the past 3 year period. d. VACANT DWELLINGS. Refer to page NSDWG 4. e. Risks with older wood roofs or risks with asbestos slate roofs or siding, or tile roofs. f. Risks where insureds have a history of financial instability within the last 5 years. g. Hobby farms or any risk formerly occupied as FARM PROPERTY on which any former farm buildings still exist. h. Risks with more than 2 related private structures or with a related private structure larger than 1,600 square feet. Refer any structure over 1,600 square feet to underwriting. i. Unusual risks including basement homes, log homes, earth homes, dome homes and homes with flat roofs. j. Risks with unvented wall furnaces. k. Rental or seasonal mobile homes unless we have other good supporting coverage. The mobile home must be permanently located. l. Tenant occupied dwellings with wood burning/solid fuel equipment. m. Risks with permanent built in swimming pools. DEFINITION OF A SINGLE BUILDING All buildings or sections of buildings which are accessible through unprotected openings shall be considered as a single building. Buildings which are separated by space shall be considered separate buildings. Buildings or sections of buildings which are separated by an 8 inch masonry party wall which pierces or rises to the underside of the roof and which pierces or extends to the inner side of the exterior wall shall be considered separate buildings. Accessibility between buildings with independent walls or through masonry party walls described above shall be protected by at least a Class A Fire Door installed in a masonry wall section. DWELLING UNDER CONSTRUCTION - DF-1375 For dwellings under construction, coverage must be written at 100% of completed value. Two methods are provided for insuring a dwelling under construction. 1. Named Insured Is The Intended Occupant - A builder (contractor) may be designated as an additional insured. Pro rata cancellation permitted upon completion of the dwelling. The policy premium shall be 65% of the premium for an owner occupied dwelling. 2. Named Insured Is Not The Intended Occupant - Policy shall specify building is in course of construction and permission is granted to complete. The policy premium shall be 100% of the premium for a non-owner occupied dwelling. North Star Mutual Ins. Co. NSDWG - 3 Renewals 01-01-16

LOSS SETTLEMENT Basic Form (DF-1), Broad Form (DF-2) and Special Form (DF-3) - All forms provide coverage on an ACTUAL CASH VALUE basis. This means that loss to all covered property is subject to applicable depreciation. Loss to property covered under Coverages A and B (form DF-2 or DF-3 only) can be changed to a replacement cost basis if DF-1467 or DF-1786 is added and an additional premium is charged. The building(s) must be insured for 80% or more of full replacement cost. Inflation Guard will automatically apply to the building(s) written on a replacement cost basis. See the paragraph titled Replacement Cost Coverage DF-1467 or Replacement Cost Coverage DF-1786 for more details. EXCLUSION OF LOSS DUE TO BY-PRODUCTS FROM PRODUCTION OR PROCESSING PRODUCTS DF-2119 Coverage will be excluded for loss to an insured premises caused by smoke, vapor, gas, or any substance released in the course of production or processing of any controlled substance for any rental dwelling and can be excluded on any other dwelling, farm barn, building, or structure unless the loss is caused by fire or explosion that results from the release of any such substances. Attach Endorsement DF-2119. INFLATION GUARD Buildings written on an Actual Cash Value Basis. (optional) The policy may be endorsed to provide automatic annual increases in the Coverage A - Residence and Coverage B - Related Private Structures limits based on changing dwelling construction cost factors. Indicate which building(s) Inflation Guard is to apply to on the application. Buildings written on a Replacement Cost Basis. (mandatory) The Inflation Guard Provision is required on all buildings written on Replacement Cost Basis. PROPERTY COVERAGES will automatically be updated annually based on changing dwelling construction cost factors. The residence must be insured to at least 80% of Replacement Cost, the application must be completed and a photograph of the residence attached. To be assured that the insured meets policy conditions, it is recommended that all residences be insured to 100% of Replacement Cost. MASONRY VENEER Dwellings of masonry veneer construction and their contents and Apartment Contents in masonry veneer buildings are subject to Masonry premiums. VACANT DWELLINGS Vacant/unoccupied dwellings are not eligible as a new business risk. Coverage may be continued on dwellings currently written with North Star Mutual if they become vacant/unoccupied during the policy term. Coverage will be written on Basic Form DF-1 with no coverage for V & MM. A 40% vacancy charge will be applied. MINIMUM PREMIUM 1. A minimum annual premium of not less than $150 must be charged for each policy. 2. The $150 minimum annual premium may include all chargeable endorsements or coverages for Fire and Allied Lines. North Star Mutual Ins. Co. NSDWG - 4 Renewals 01-01-16

CALCULATION OF PREMIUM North Star has an automated rating system for the Dwelling Program that can be accessed on the Internet. Go to the North Star web site (www.nstarco.com), click on Agents Only, enter your User ID and Password, click on submit, click on Dwelling System. Step 1 - Determine the Territory 1 Base Premium based on the number of families, protection, and construction classifications that apply and determine the occupancy classification. Step 2 To determine rates for other territories, apply applicable Location of Risk Modifier on page NSDWG - 13 to the rate determined in Step 1. Step 3 - If Coverage A applies, select the Coverage A premium for the policy limit, apply the factor for the deductible option selected, and apply any special rating factors. For Form DF-1 only, if vandalism does not apply, reduce the premium by the vandalism discount, apply the factor for the deductible option selected, and apply any special rating factors. The Coverage A premium is the sum of these premiums. Step 4 - If Coverage C applies, use the Coverage C premiums and follow the process described in Step 3. Step 5 - If any premium modifications apply, adjust the Coverage A and/or Coverage C premiums determined in Steps 3 and 4. Step 6 - If any coverage options apply, add the additional charges to the Coverage A and/or Coverage C premiums determined in Step 5. Step 7 - If both Coverage A and Coverage C apply, the total policy premium is the sum of the premiums determined in Step 6. FIRE PROTECTION CLASSIFICATION Protected: Building is located within 1,000 feet of a fire hydrant and within five (5) road miles of a responding fire department. Partially Protected: Building is located over 1,000 feet from a fire hydrant, but is within five (5) road miles of a responding fire department. Unprotected: All Others. CONSTRUCTION DEFINITIONS 1. Frame (FR) - Exterior walls of wood or other combustible construction. 2. Brick, Stone or Masonry Veneer (MV) - Exterior walls of combustible construction veneered with brick or stone. 3. Brick, Stone or Masonry (JM) - Exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete block, stone, tile or similar materials and floors and roof of combustible construction. 4. Mobile Home (MH). 5. Aluminum, Plastic, or Steel Siding over Frame (SF) - Exterior walls of wood or other combustible construction and covered with aluminum, plastic or steel siding. 6. Stucco (ST) - Exterior walls of wood or other combustible construction and combined with stucco. 7. Fire Resistive (FS) - Exterior walls and floors and roof constructed of masonry or other fire resistive materials. 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 1/3% of the total exterior wall area; otherwise class and code as masonry. North Star Mutual Ins. Co. NSDWG - 5 Renewals 01-01-16

PREMIUM CHARTS AND COMPUTATION The premiums shown in this manual section are annual premiums and are for a $1,000 deductible. All premiums are to be rounded off to the nearest dollar. Fifty cents and above shall be considered the next higher dollar. Premiums shown in this manual section are to be applied separately to each building and to the contents of each building. The gross annual premium for each building item and each contents item shall be the premium shown in the tables on pages that follow according to the number of families, the construction and protection class. North Star Mutual Ins. Co. NSDWG - 6 Renewals 01-01-16

RATE PAGES - BASE PREMIUM CHART 1 AND 2 FAMILY DWELLINGS (Non-Seasonal) (REFER TO NSDWG-13 FOR LOCATION OF RISK MODIFIERS FOR EACH TERRITORY) $1,000 DED. FRAME PROTECTED $1,000 DED. ACTUAL CASH VALUE BASIC FORM DF-1 BROAD FORM DF-2 SPECIAL FORM DF-3 (FIRE, EC, VAND. #) LIMIT OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS 1,000 3 *** 4 *** 4 *** 2,000 4 *** 5 *** 5 *** 4,000 7 8 8 6,000 173 * 203 * 11 13 13 8,000 184 * 216 * 13 15 15 10,000 195 * 229 * 16 19 19 12,000 204 * 240 * 19 23 23 14,000 215 * 253 * 22 26 26 16,000 226 ** 266 ** 26 238 ** 280 ** 30 251 ** 295 ** 30 18,000 236 ** 278 ** 28 250 ** 294 ** 32 263 ** 309 ** 32 20,000 247 ** 290 ** 32 260 ** 306 ** 37 274 ** 322 ** 37 25,000 261 ** 307 ** 38 275 ** 324 ** 44 290 ** 341 ** 44 30,000 275 324 46 291 ** 342 ** 53 306 ** 360 ** 53 35,000 285 335 53 300 ** 353 ** 62 316 ** 372 ** 62 40,000 294 346 60 310 365 70 326 ** 384 ** 70 45,000 303 357 68 320 377 79 337 ** 397 ** 79 50,000 313 368 76 331 389 88 348 409 88 55,000 323 380 84 341 401 97 359 422 97 60,000 333 392 91 351 413 105 370 435 105 65,000 343 404 98 363 427 114 382 449 114 70,000 354 417 106 374 440 123 394 463 123 75,000 365 429 114 385 453 132 405 477 132 80,000 376 442 122 396 466 141 417 491 141 85,000 387 455 129 409 481 150 430 506 150 90,000 399 469 137 421 495 159 443 521 159 95,000 411 483 144 434 510 167 456 537 167 100,000 422 497 152 445 524 176 469 552 176 105,000 434 511 159 459 540 185 483 568 185 110,000 446 525 166 471 554 194 496 583 194 115,000 459 540 174 485 570 203 510 600 203 120,000 472 555 181 498 586 211 524 617 211 125,000 486 572 188 513 603 219 540 635 219 130,000 499 587 196 526 619 228 554 652 228 135,000 513 604 204 541 637 237 570 671 237 140,000 527 620 211 557 655 245 586 689 245 145,000 541 637 218 572 673 254 602 708 254 150,000 556 654 226 587 691 263 618 727 263 155,000 570 671 234 603 709 272 634 746 272 160,000 586 689 241 618 727 281 650 765 281 165,000 598 704 249 632 743 290 665 782 290 170,000 611 719 257 645 759 299 679 799 299 175,000 625 735 265 660 776 308 694 817 308 180,000 638 751 272 673 792 317 709 834 317 185,000 651 766 280 687 808 326 723 851 326 190,000 664 781 288 701 825 335 738 868 335 195,000 677 797 296 715 841 344 752 885 344 200,000 689 811 303 728 856 353 766 901 353 EACH ADD'L 5,000 14 16 8 14 17 9 15 18 9 (Forms DF-2 and DF-3) For Replacement Cost Coverage on a building, increase base premium by 10%. (Forms DF-2 and DF-3) For Replacement Cost Coverage on buildings with Actual Cash Value on roof surfacing, increase base premium by 5%. For Masonry Construction, decrease base premium by 10%. # To delete Vandalism on Basic Form (DF-1) only - Multiply rates by.96. *Mobile Homes only - see Mobile or Trailer Homes Paragraph. @ Use to rate certain optional coverages. **Seasonal dwellings only - see Seasonal Dwelling Paragraph. ***Minimum Limit is $4,000 unless written in same policy as building coverage. North Star Mutual Ins. Co. NSDWG - 7 Renewals 01-01-16

RATE PAGES - BASE PREMIUM CHART 1 AND 2 FAMILY DWELLINGS (Non-Seasonal) (REFER TO NSDWG-13 FOR LOCATION OF RISK MODIFIERS FOR EACH TERRITORY) $1,000 DED. FRAME PARTIALLY PROTECTED $1,000 DED. ACTUAL CASH VALUE BASIC FORM DF-1 (FIRE, EC, VAND. #) BROAD FORM DF-2 SPECIAL FORM DF-3 LIMIT OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS 1,000 4 *** 5 *** 5 *** 2,000 5 *** 6 *** 6 *** 4,000 9 11 11 6,000 213 * 250 * 14 17 17 8,000 226 * 266 * 17 20 20 10,000 240 * 282 * 21 25 25 12,000 251 * 295 * 25 29 29 14,000 264 * 311 * 29 34 34 16,000 278 ** 327 ** 34 293 ** 344 ** 39 309 ** 363 ** 39 18,000 290 ** 342 ** 37 308 ** 362 ** 42 323 ** 380 ** 42 20,000 304 ** 357 ** 42 320 ** 376 ** 48 337 ** 396 ** 48 25,000 321 ** 378 ** 50 338 ** 399 ** 58 357 ** 419 ** 58 30,000 338 399 60 358 ** 421 ** 70 376 ** 443 ** 70 35,000 351 412 69 369 ** 434 ** 81 389 ** 458 ** 81 40,000 362 426 79 381 449 92 401 ** 472 ** 92 45,000 373 439 89 394 464 104 415 ** 488 ** 104 50,000 385 453 100 407 478 116 428 503 116 55,000 397 467 110 419 493 127 442 519 127 60,000 410 482 119 432 508 138 455 535 138 65,000 422 497 128 446 525 150 470 552 150 70,000 435 513 139 460 541 162 485 569 162 75,000 449 528 149 474 557 173 498 587 173 80,000 462 544 160 487 573 185 513 604 185 85,000 476 560 169 503 592 197 529 622 197 90,000 491 577 179 518 609 209 545 641 209 95,000 506 594 189 534 627 219 561 661 219 100,000 519 611 199 547 645 231 577 679 231 105,000 534 629 208 565 664 243 594 699 243 110,000 549 646 217 579 681 253 610 717 253 115,000 565 664 228 597 701 265 627 738 265 120,000 581 683 237 613 721 276 645 759 276 125,000 598 704 246 631 742 286 664 781 286 130,000 614 722 257 647 761 298 681 802 298 135,000 631 743 267 665 784 310 701 825 310 140,000 648 763 276 685 806 321 721 847 321 145,000 665 784 286 704 828 332 740 871 332 150,000 684 804 296 722 850 344 760 894 344 155,000 701 825 307 742 872 356 780 918 356 160,000 721 847 316 760 894 368 800 941 368 165,000 736 866 326 777 914 380 818 962 380 170,000 752 884 337 793 934 391 835 983 391 175,000 769 904 347 812 954 403 854 1,005 403 180,000 785 924 356 828 974 415 872 1,026 415 185,000 801 942 367 845 994 427 889 1,047 427 190,000 817 961 377 862 1,015 439 908 1,068 439 195,000 833 980 388 879 1,034 450 925 1,089 450 200,000 847 998 397 895 1,053 462 942 1,108 462 EACH ADD'L 5,000 17 20 10 17 21 12 18 22 12 (Forms DF-2 and DF-3) For Replacement Cost Coverage on a building, increase base premium by 10%. (Forms DF-2 and DF-3) For Replacement Cost Coverage on buildings with Actual Cash Value on roof surfacing, increase base premium by 5%. For Masonry Construction, decrease base premium by 10%. # To delete Vandalism on Basic Form (DF-1) only - Multiply rates by.96. *Mobile Homes only - see Mobile or Trailer Homes Paragraph. @ Use to rate certain optional coverages. **Seasonal dwellings only - see Seasonal Dwelling Paragraph. ***Minimum Limit is $4,000 unless written in same policy as building coverage. North Star Mutual Ins. Co. NSDWG - 8 Renewals 01-01-16

RATE PAGES - BASE PREMIUM CHART 1 AND 2 FAMILY DWELLINGS (Non-Seasonal) (REFER TO NSDWG-13 FOR LOCATION OF RISK MODIFIERS FOR EACH TERRITORY) $1,000 DED. FRAME UNPROTECTED $1,000 DED. ACTUAL CASH VALUE BASIC FORM DF-1 BROAD FORM DF-2 SPECIAL FORM DF-3 (FIRE, EC, VAND. #) LIMIT OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS 1,000 5 *** 6 *** 6 *** 2,000 7 *** 8 *** 8 *** 4,000 12 14 14 6,000 261 * 307 * 19 22 22 8,000 278 * 326 * 22 26 26 10,000 294 * 346 * 28 33 33 12,000 308 * 362 * 33 39 39 14,000 325 * 382 * 38 45 45 16,000 341 ** 402 ** 45 359 ** 423 ** 51 379 ** 445 ** 51 18,000 356 ** 420 ** 48 378 ** 444 ** 56 397 ** 467 ** 56 20,000 373 ** 438 ** 55 393 ** 462 ** 63 414 ** 486 ** 63 25,000 394 ** 464 ** 65 415 ** 489 ** 76 438 ** 515 ** 76 30,000 415 489 79 439 ** 516 ** 91 462 ** 544 ** 91 35,000 430 506 91 453 ** 533 ** 107 477 ** 562 ** 107 40,000 444 522 103 468 551 121 492 ** 580 ** 121 45,000 458 539 117 483 569 136 509 ** 599 ** 136 50,000 473 556 131 500 587 152 525 618 152 55,000 488 574 144 515 606 167 542 637 167 60,000 503 592 157 530 624 181 559 657 181 65,000 518 610 169 548 645 197 577 678 197 70,000 535 630 182 565 664 212 595 699 212 75,000 551 648 196 581 684 228 612 720 228 80,000 568 667 210 598 704 243 630 741 243 85,000 584 687 222 618 726 259 649 764 259 90,000 602 708 236 636 747 274 669 787 274 95,000 621 729 248 655 770 288 689 811 288 100,000 637 750 261 672 791 303 708 834 303 105,000 655 772 273 693 815 319 729 858 319 110,000 673 793 286 711 837 333 749 880 333 115,000 693 815 299 732 861 348 770 906 348 120,000 713 838 311 752 885 362 791 932 362 125,000 734 864 323 775 911 376 815 959 376 130,000 753 886 337 794 935 392 837 985 392 135,000 775 912 351 817 962 407 861 1,013 407 140,000 796 936 363 841 989 421 885 1,040 421 145,000 817 962 375 864 1,016 437 909 1,069 437 150,000 840 988 389 886 1,043 452 933 1,098 452 155,000 861 1,013 402 911 1,071 467 957 1,126 467 160,000 885 1,040 415 933 1,098 483 982 1,155 483 165,000 903 1,063 428 954 1,122 498 1,004 1,181 498 170,000 923 1,086 442 974 1,146 514 1,025 1,206 514 175,000 944 1,110 456 997 1,172 529 1,048 1,234 529 180,000 963 1,134 468 1,016 1,196 545 1,071 1,259 545 185,000 983 1,157 482 1,037 1,220 560 1,092 1,285 560 190,000 1,003 1,179 495 1,059 1,246 576 1,114 1,311 576 195,000 1,022 1,203 509 1,080 1,270 591 1,136 1,336 591 200,000 1,040 1,225 521 1,099 1,293 607 1,157 1,361 607 EACH ADD'L 5,000 21 24 14 21 26 15 23 27 15 (Forms DF-2 and DF-3) For Replacement Cost Coverage on a building, increase base premium by 10%. (Forms DF-2 and DF-3) For Replacement Cost Coverage on buildings with Actual Cash Value on roof surfacing, increase base premium by 5%. For Masonry Construction, decrease base premium by 10%. # To delete Vandalism on Basic Form (DF-1) only - Multiply rates by.96. *Mobile Homes only - see Mobile or Trailer Homes Paragraph. @ Use to rate certain optional coverages. **Seasonal dwellings only - see Seasonal Dwelling Paragraph. ***Minimum Limit is $4,000 unless written in same policy as building coverage. North Star Mutual Ins. Co. NSDWG - 9 Renewals 01-01-16

RATE PAGES - BASE PREMIUM CHART 3 AND 4 FAMILY DWELLINGS (Non-Seasonal) (REFER TO NSDWG-13 FOR LOCATION OF RISK MODIFIERS FOR EACH TERRITORY) $1,000 DED. FRAME PROTECTED $1,000 DED. ACTUAL CASH VALUE BASIC FORM DF-1 (FIRE, EC, VAND. #) BROAD FORM DF-2 SPECIAL FORM DF-3 LIMIT OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS 1,000 4 *** 5 *** 5 *** 2,000 5 *** 6 *** 6 *** 4,000 9 11 11 6,000 14 16 16 8,000 17 20 20 10,000 21 25 25 12,000 25 29 29 14,000 29 34 34 16,000 328 ** 386 ** 34 345 ** 406 ** 39 364 ** 428 ** 39 18,000 342 ** 403 ** 36 363 ** 426 ** 42 381 ** 448 ** 42 20,000 358 ** 421 ** 42 377 ** 444 ** 48 397 ** 467 ** 48 25,000 378 ** 445 ** 49 399 ** 470 ** 57 421 ** 494 ** 57 30,000 399 470 60 422 ** 496 ** 69 444 ** 522 ** 69 35,000 413 486 69 435 ** 512 ** 81 458 ** 539 ** 81 40,000 426 502 78 450 529 91 473 ** 557 ** 91 45,000 439 518 88 464 547 103 489 ** 576 ** 103 50,000 454 534 99 480 564 115 505 593 115 55,000 468 551 109 494 581 126 521 612 126 60,000 483 568 118 509 599 137 537 631 137 65,000 497 586 127 526 619 149 554 651 149 70,000 513 605 138 542 638 160 571 671 160 75,000 529 622 148 558 657 172 587 692 172 80,000 545 641 159 574 676 184 605 712 184 85,000 561 660 168 593 697 195 624 734 195 90,000 579 680 178 610 718 207 642 755 207 95,000 596 700 187 629 740 218 661 779 218 100,000 612 721 198 645 760 229 680 800 229 105,000 629 741 207 666 783 241 700 824 241 110,000 647 761 216 683 803 252 719 845 252 115,000 666 783 226 703 827 263 740 870 263 120,000 684 805 235 722 850 274 760 895 274 125,000 705 829 244 744 874 284 783 921 284 130,000 724 851 255 763 898 296 803 945 296 135,000 744 876 265 784 924 308 827 973 308 140,000 764 899 274 808 950 318 850 999 318 145,000 784 924 283 829 976 330 873 1,027 330 150,000 806 948 294 851 1,002 342 896 1,054 342 155,000 827 973 304 874 1,028 353 919 1,082 353 160,000 850 999 313 896 1,054 365 943 1,109 365 165,000 867 1,021 324 916 1,077 377 964 1,134 377 170,000 886 1,043 334 935 1,101 388 985 1,159 388 175,000 906 1,066 345 957 1,125 400 1,006 1,185 400 180,000 925 1,089 354 976 1,148 412 1,028 1,209 412 185,000 944 1,111 364 996 1,172 424 1,048 1,234 424 190,000 963 1,132 374 1,016 1,196 435 1,070 1,259 435 195,000 982 1,156 385 1,037 1,219 447 1,090 1,283 447 200,000 999 1,176 394 1,056 1,241 459 1,111 1,306 459 EACH ADD'L 5,000 20 23 10 20 25 12 22 26 12 (Forms DF-2 and DF-3) For Replacement Cost Coverage on a building, increase base premium by 10%. (Forms DF-2 and DF-3) For Replacement Cost Coverage on buildings with Actual Cash Value on roof surfacing, increase base premium by 5%. For Masonry Construction, decrease base premium by 10%. # To delete Vandalism on Basic Form (DF-1) only - Multiply rates by.96. **Seasonal dwellings only - see Seasonal Dwelling Paragraph. @ Use to rate certain optional coverages. ***Minimum Limit is $4,000 unless written in same policy as building coverage. North Star Mutual Ins. Co. NSDWG - 10 Renewals 01-01-16

RATE PAGES - BASE PREMIUM CHART 3 AND 4 FAMILY DWELLINGS (Non-Seasonal) (REFER TO NSDWG-13 FOR LOCATION OF RISK MODIFIERS FOR EACH TERRITORY) $1,000 DED. FRAME PARTIALLY PROTECTED $1,000 DED. ACTUAL CASH VALUE BASIC FORM DF-1 BROAD FORM DF-2 SPECIAL FORM DF-3 (FIRE, EC, VAND. #) LIMIT OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS 1,000 5 *** 7 *** 7 *** 2,000 7 *** 8 *** 8 *** 4,000 12 14 14 6,000 18 22 22 8,000 22 26 26 10,000 27 33 33 12,000 33 38 38 14,000 38 44 44 16,000 403 ** 474 ** 44 425 ** 499 ** 51 448 ** 526 ** 51 18,000 421 ** 496 ** 48 447 ** 525 ** 55 468 ** 551 ** 55 20,000 441 ** 518 ** 55 464 ** 545 ** 62 489 ** 574 ** 62 25,000 465 ** 548 ** 65 490 ** 579 ** 75 518 ** 608 ** 75 30,000 490 579 78 519 ** 610 ** 91 545 ** 642 ** 91 35,000 509 597 90 535 ** 629 ** 105 564 ** 664 ** 105 40,000 525 618 103 552 651 120 581 ** 684 ** 120 45,000 541 637 116 571 673 135 602 ** 708 ** 135 50,000 558 657 130 590 693 151 621 729 151 55,000 576 677 143 608 715 165 641 753 165 60,000 595 699 155 626 737 179 660 776 179 65,000 612 721 166 647 761 195 682 800 195 70,000 631 744 181 667 784 211 703 825 211 75,000 651 766 194 687 808 225 722 851 225 80,000 670 789 208 706 831 241 744 876 241 85,000 690 812 220 729 858 256 767 902 256 90,000 712 837 233 751 883 272 790 929 272 95,000 734 861 246 774 909 285 813 958 285 100,000 753 886 259 793 935 300 837 985 300 105,000 774 912 270 819 963 316 861 1,014 316 110,000 796 937 282 840 987 329 885 1,040 329 115,000 819 963 296 866 1,016 345 909 1,070 345 120,000 842 990 308 889 1,045 359 935 1,101 359 125,000 867 1,021 320 915 1,076 372 963 1,132 372 130,000 890 1,047 334 938 1,103 387 987 1,163 387 135,000 915 1,077 347 964 1,137 403 1,016 1,196 403 140,000 940 1,106 359 993 1,169 417 1,045 1,228 417 145,000 964 1,137 372 1,021 1,201 432 1,073 1,263 432 150,000 992 1,166 385 1,047 1,233 447 1,102 1,296 447 155,000 1,016 1,196 399 1,076 1,264 463 1,131 1,331 463 160,000 1,045 1,228 411 1,102 1,296 478 1,160 1,364 478 165,000 1,067 1,256 424 1,127 1,325 494 1,186 1,395 494 170,000 1,090 1,282 438 1,150 1,354 508 1,211 1,425 508 175,000 1,115 1,311 451 1,177 1,383 524 1,238 1,457 524 180,000 1,138 1,340 463 1,201 1,412 540 1,264 1,488 540 185,000 1,161 1,366 477 1,225 1,441 555 1,289 1,518 555 190,000 1,185 1,393 490 1,250 1,472 571 1,317 1,549 571 195,000 1,208 1,421 504 1,275 1,499 585 1,341 1,579 585 200,000 1,228 1,447 516 1,298 1,527 601 1,366 1,607 601 EACH ADD'L 5,000 25 29 13 25 30 16 26 32 16 (Forms DF-2 and DF-3) For Replacement Cost Coverage on a building, increase base premium by 10%. (Forms DF-2 and DF-3) For Replacement Cost Coverage on buildings with Actual Cash Value on roof surfacing, increase base premium by 5%. For Masonry Construction, decrease base premium by 10%. # To delete Vandalism on Basic Form (DF-1) only - Multiply rates by.96. **Seasonal dwellings only - see Seasonal Dwelling Paragraph. @ Use to rate certain optional coverages. ***Minimum Limit is $4,000 unless written in same policy as building coverage. North Star Mutual Ins. Co. NSDWG - 11 Renewals 01-01-16

RATE PAGES - BASE PREMIUM CHART 3 AND FOUR 4 DWELLINGS (Non-Seasonal) (REFER TO NSDWG-13 FOR LOCATION OF RISK MODIFIERS FOR EACH TERRITORY) $1,000 DED. FRAME UNPROTECTED $1,000 DED. ACTUAL CASH VALUE BASIC FORM DF-1 BROAD FORM DF-2 SPECIAL FORM DF-3 (FIRE, EC, VAND. #) LIMIT OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS OWNER OCC TENANT CONTENTS 1,000 7 *** 8 *** 8 *** 2,000 9 *** 10 *** 10 *** 4,000 16 18 18 6,000 25 29 29 8,000 29 34 34 10,000 36 43 43 12,000 43 51 51 14,000 49 59 59 16,000 494 ** 583 ** 59 521 ** 613 ** 66 550 ** 645 ** 66 18,000 516 ** 609 ** 62 548 ** 644 ** 73 576 ** 677 ** 73 20,000 541 ** 635 ** 72 570 ** 670 ** 82 600 ** 705 ** 82 25,000 571 ** 673 ** 85 602 ** 709 ** 99 635 ** 747 ** 99 30,000 602 709 103 637 ** 748 ** 118 670 ** 789 ** 118 35,000 624 734 118 657 ** 773 ** 139 692 ** 815 ** 139 40,000 644 757 134 679 799 157 713 ** 841 ** 157 45,000 664 782 152 700 825 177 738 ** 869 ** 177 50,000 686 806 170 725 851 198 761 896 198 55,000 708 832 187 747 879 217 786 924 217 60,000 729 858 204 769 905 235 811 953 235 65,000 751 885 220 795 935 256 837 983 256 70,000 776 914 237 819 963 276 863 1,014 276 75,000 799 940 255 842 992 296 887 1,044 296 80,000 824 967 273 867 1,021 316 914 1,074 316 85,000 847 996 289 896 1,053 337 941 1,108 337 90,000 873 1,027 307 922 1,083 356 970 1,141 356 95,000 900 1,057 322 950 1,117 374 999 1,176 374 100,000 924 1,088 339 974 1,147 394 1,027 1,209 394 105,000 950 1,119 355 1,005 1,182 415 1,057 1,244 415 110,000 976 1,150 372 1,031 1,214 433 1,086 1,276 433 115,000 1,005 1,182 389 1,061 1,248 452 1,117 1,314 452 120,000 1,034 1,215 404 1,090 1,283 471 1,147 1,351 471 125,000 1,064 1,253 420 1,124 1,321 489 1,182 1,391 489 130,000 1,092 1,285 438 1,151 1,356 510 1,214 1,428 510 135,000 1,124 1,322 456 1,185 1,395 529 1,248 1,469 529 140,000 1,154 1,357 472 1,219 1,434 547 1,283 1,508 547 145,000 1,185 1,395 488 1,253 1,473 568 1,318 1,550 568 150,000 1,218 1,433 506 1,285 1,512 588 1,353 1,592 588 155,000 1,248 1,469 523 1,321 1,553 607 1,388 1,633 607 160,000 1,283 1,508 540 1,353 1,592 628 1,424 1,675 628 165,000 1,309 1,541 556 1,383 1,627 647 1,456 1,712 647 170,000 1,338 1,575 575 1,412 1,662 668 1,486 1,749 668 175,000 1,369 1,610 593 1,446 1,699 688 1,520 1,789 688 180,000 1,396 1,644 608 1,473 1,734 709 1,553 1,826 709 185,000 1,425 1,678 627 1,504 1,769 728 1,583 1,863 728 190,000 1,454 1,710 644 1,536 1,807 749 1,615 1,901 749 195,000 1,482 1,744 662 1,566 1,842 768 1,647 1,937 768 200,000 1,508 1,776 677 1,594 1,875 789 1,678 1,973 789 EACH ADD'L 5,000 30 35 18 30 38 20 33 39 20 (Forms DF-2 and DF-3) For Replacement Cost Coverage on a building, increase base premium by 10%. (Forms DF-2 and DF-3) For Replacement Cost Coverage on buildings with Actual Cash Value on roof surfacing, increase base premium by 5%. For Masonry Construction, decrease base premium by 10%. # To delete Vandalism on Basic Form (DF-1) only - Multiply rates by.96. **Seasonal dwellings only - see Seasonal Dwelling Paragraph. @ Use to rate certain optional coverages. ***Minimum Limit is $4,000 unless written in same policy as building coverage. North Star Mutual Ins. Co. NSDWG - 12 Renewals 01-01-16

BILLING PROCEDURES See the Billing Information section of this Agent s Manual. RATING TERRITORIES AND LOCATION OF RISK MODIFIERS (LORM) TERR DESCRIPTION LORM TERR. 1 Remainder of State 1.00 TERR. 2 Counties of Anoka, Carver, Dakota, Hennepin (excluding City of Minneapolis), 1.30 Ramsey (excluding City of St. Paul), Scott, Sherburne, Washington & Wright TERR. 3 Counties of Aitkin, Beltrami, Carlton, Cass, Clearwater, Cook, Crow Wing, Itasca, 1.00 Koochiching, Lake, Lake of the Woods, Mahnomen TERR. 4 Cities of Duluth, Hermantown and Proctor 1.00 TERR. 5 St. Louis County (excluding cities of Duluth, Hermantown and Proctor) 1.05 TERR. 6 Cities of Minneapolis & St. Paul 1.90 DEDUCTIBLES The policy deductible may be changed by applying the appropriate Modification Factor to: 1. Premium from Base Premium Charts; and 2. Premium for the Related Private Structures optional endorsements and for amended limits for Coverage C (DF- 1, DF-2, DF-3 only). Deductible Factor DF-1, DF-2, DF-3 $100 Flat 1.50 $100 AOP / $500 Wind/Hail 1.25 $100 AOP - $1,000 Wind/Hail 1.20 $250 Flat 1.25 $250 AOP / $500 Wind/Hail 1.22 $250 AOP / $1,000 Wind/Hail 1.08 $500 Flat 1.10 $500 AOP / $1,000 Wind/Hail 1.05 $500 AOP / $2,000 Wind/Hail 0.97 $1,000 Flat 1.00 (Base) $1,000 AOP / $2,000 Wind/Hail 0.94 $2,500 Flat 0.87 $5,000 Flat 0.75 $10,000 Flat 0.65 PROTECTIVE DEVICES - ML-216 The following premium discounts will be allowed for the installation of a fire and/or smoke alarm or automatic sprinkler system in the dwelling. Systems must be UL approved and maintained in good working condition. 1. Central Station Fire and/or Smoke Alarm Systems - a discount of 5%. 2. Fire Department and/or Smoke Alarm Systems - a discount of 3%. 3. Local Fire or Smoke Alarm Systems - a discount of 2%. (For the purposes of this rule, a Local Fire or Smoke Alarm System shall include smoke, heat or gas detectors.) This discount is not available when a discount for a Central Station Alarm System or a Fire Department/Police Department Alarm System applies. 4. Fire Suppression Sprinkler Systems - a discount of 3%. These discounts apply to the Building and Contents premiums from the BASE PREMIUM CHARTS for the coverage being written. Maximum discount allowed is 8%. WOOD SHINGLE SURCHARGE All Dwelling policies with risks that have wood shingles will be surcharged 10%. This surcharge would apply to the base premium. North Star Mutual Ins. Co. NSDWG - 13 Renewals 01-01-16

OPTIONAL COVERAGES BACK UP OF SEWER, DRAIN OR SUMP SYSTEM - DF-208 (Policy Forms DF-2 and DF-3) (This is not Flood Insurance) For an additional premium coverage for direct loss to covered property caused by water which enters the dwelling through sewer, drains or sump systems may be added. This coverage is available when the Broad Form (DF-2) or Special Form (DF-3) is written. This coverage does not apply to Coverage B or D. This coverage does not apply to Debris Removal under Incidental Coverages or to a loss caused by the named insured's negligence. The policy deductible amount and provisions apply to this coverage. Limit of Liability: $1,000 $2,500 $5,000 Additional Premium: $15 $30 $45 NOTE: An agent cannot bind coverage. Coverage does not become effective until 15 days after the effective date shown on the Declarations issued for this coverage. CONDOMINIUM UNIT-OWNERS ADDITIONS Broad Form - Unit-Owners - DF-32 When policy form DF-2 is issued to a condominium unit-owner to cover the unit contents, 10% of the Coverage C limit is automatically extended to cover the unit-owner s interest in fixtures, additions, alterations, structures, installations, and other building related items. Coverage applies on a broad perils basis at no extra charge. The limit that applies will show on the Declarations as Coverage A - Condominium Fixtures, Additions, and Alterations. The 10% limit may be increased for an additional charge shown in the chart below. The additional charge applies only to the amount of increase. Protected Part Protected & Unprotected Increased Limit (per $1,000) 3.00 4.50 Special Form - Unit-Owners - DF-33 Coverage for the unit-owner s interest in fixtures, additions, alterations, structures, installations, and other building related items may be changed from named perils coverage to risks of direct physical loss unless the loss is excluded from coverage. Use the Base Limit rate in the chart below to calculate the charge for converting the base limit (10% of Coverage C limit) to special perils coverage. If a higher limit applies then also charge the Increased Limit rate in the chart below to the amount of increase. Protected Part Protected & Unprotected Base Limit (per $1,000) 2.10 3.00 Increased Limit (per $1,000) 3.50 5.00 Coverage for condominium fixtures, additions, alterations, structures, installations, and other building related items may be provided on a replacement cost basis for an additional charge (DF-32 or DF-33). The additional charge is calculated by adding the base limit (10% of Coverage C limit) and increased limit, if any, together and multiplying by 0.50 per $1,000. DF-1467 will be attached and the declarations will show that it applies to Coverage A - Condominium Fixtures, Additions, and Alterations. North Star Mutual Ins. Co. NSDWG - 14 Renewals 01-01-16

LOSS ASSESSMENT AND ASSOCIATION DEDUCTIBLE - SCHEDULED LOCATIONS - DF-50 Property coverage for loss assessment and association deductible arising out of a scheduled location can be added. The location this coverage applies to must be listed with a limit shown for that location. Loss Assessment coverage (under Incidental Coverages) applies when the insured s financial obligation arises out of an assessment levied by the association and that results from a loss to property that is owned collectively by all association members. Association Deductible coverage applies when a master policy deductible is charged against the insured during the policy period and results from a direct loss to property that: would be eligible for coverage under the Dwelling Fire policy if it was owned by an insured or was an insured s insurance responsibility; is covered under the association s master policy; and is caused by a peril insured against, other than earthquake, that is covered by the Dwelling Fire policy. Rates per $1,000 insurance: Protected Part Protected & Unprotected Basic Form (DF-1) 2.80 4.30 Broad Form (DF-2) 3.00 4.50 Special Form (DF-3) 3.40 4.90 Broad Form (DF-2) With Endorsement DF-33 3.40 4.90 * To Delete Vandalism On Basic Form DF-1 Multiply Rates By.96. COVERAGE D - ADDITIONAL LIVING COSTS AND FAIR RENTAL VALUE 1. Coverage is provided on a limited basis as follows: Basic Form (DF-1), Broad Form (DF-2) or Special Form (DF-3) - Up to 10% of the residence limit is available for Coverage D - Additional Living Costs/Fair Rental Value as additional insurance. There is no automatic coverage when only Coverage C - Personal Property is written. 2. Coverage may be increased or added as follows: Basic Form (DF-1), Broad Form (DF-2) or Special Form (DF-3) - When only Coverage C is written, Coverage D can be purchased from dollar one. When Coverage A is written, Coverage D can be increased for an additional charge (additional charge only applies to the amount of increase). In either case, use the following chart: Additional Living Costs and Fair Rental Value All Occupancies - Frame and Masonry Rates Per $1,000 of Coverage Protected Partially Protected & Unprotected Basic Form (DF-1) 3.00* 4.00* Broad Form (DF-2) 4.00 5.00 Special Form (DF-3) 5.00 6.00 * To delete Vandalism Coverage on Basic Form (DF-1) only - multiply rates by.96. FIRE DEPARTMENT SERVICE CHARGE The policy includes coverage for Fire Department Service Charge to $500. This may be increased as needed. Additional Premium: $16 per $1,000 of coverage. Minnesota New Business 01-01-17 North Star Mutual Ins. Co. NSDWG - 15 Renewals 01-01-17

MOBILE OR TRAILER HOMES (Fire Policy) Underwriting Requirements: 1. Must be permanently located on permanent foundation. 2. Must be written with other good supporting coverage. 3. Can be written only under Basic Form (DF-1). Not acceptable for Broad Form (DF-2) or Special Form (DF-3) coverage. Annual Premium: The annual Basic Form (DF-1) premium shall be that shown in the Base Premium Chart for a 1 family frame dwelling under the same protection class plus the following loading per $1,000: Mobile/Trailer Home - Occupied by owner... $10.00 Mobile/Trailer Home - Not occupied by owner... 13.00 Contents - All occupancies... 10.00 Seasonal Mobile Homes shall be rated the same as a non-seasonal Mobile Home. For minimum coverage amount, refer to the Minimum Coverage Limits paragraph on page NSDWG-2. RELATED PRIVATE STRUCTURES The perils and deductible option must be the same for all Coverage A and Coverage B structures covered by the same policy. Apply the appropriate deductible factors to the rating of Related Private Structures. 1. Coverage is provided in the forms on a blanket basis as follows: Basic Form (DF-1), Broad Form (DF-2) or Special Form (DF-3) - Up to 10% of the residence limit is available as additional insurance. The blanket limit may not be increased. To be eligible for coverage under this rule, a private structure cannot be: -- used for business purposes; or -- rented or held for rental to anyone other than a tenant of the residence, except for use solely as a private garage. 2. Increased Limit - An additional amount of insurance can be provided for specific private structures that are covered under Coverage B. Coverage B is intended to provide coverage for structures that are pertinent to the household and not used or designed for business purposes. Typically these are detached garages or small backyard storage sheds for lawn mowers, snow blowers, garden equipment, etc. Use the rating information shown in item 6. below. Endorsement ML-48 will be used and entries to describe the covered structures and show the additional amount of coverage that applies to each structure will be made. 3. On Premises - Specifically Scheduled Structures - When an acceptable private structure is over 1,600 square feet or there is more than 1 private structure on the premises then the private structure must be specifically scheduled for its actual cash value. The limit that applies to Coverage B does not apply to specifically scheduled structures. With underwriting approval, a building is acceptable when the following are met: a. Building is not used or designed for business purposes. b. Building must be in good condition. c. Building must be written at 100% of actual cash value. Use the rating information shown in item 6. below. Endorsement NS-248 will be used and entries to describe the covered structures and the amount of coverage that applies to each structure will be made. 4. Residential Rental to Others - A private structure rented, in whole or in part, to others for dwelling purposes shall be rated as a non-owner occupied, Coverage A - Residence. It will then be designated as a Coverage A - Residence on the declarations. 5. Other Related Private Structures - Other related private structures, not described above, can be covered if they are not: -- used for business purposes; or -- rented or held for rental to anyone other than a tenant of the residence, except for use solely as a private garage. Rate each structure separately as a one-family, owner-occupied Coverage A - Residence. The structure will be described on the declarations along with its location and the limit that applies. North Star Mutual Ins. Co. NSDWG - 16 Renewals 01-01-16

RELATED PRIVATE STRUCTURES (CONTINUED) 6. Rate items 2. and 3. above from the following chart: Basic Form (DF-1), Broad Form (DF-2) and Special Form (DF-3) Related Private Structures All Occupancies - Frame and Masonry Rates Per $1,000 of Coverage Protected Partially Protected & Unprotected Basic Form (DF-1) 4.00* 5.00* Broad Form (DF-2) 4.50 5.50 Special Form (DF-3) 5.00 6.00 * To delete Vandalism Coverage on Basic Form (DF-1) only - multiply rates by.96. NOTE: Policies with only related private structures coverage may only be written with supporting coverage. REPLACEMENT COST COVERAGE - DF-1467 (DF-2 and DF-3) (Applies to Buildings, Including Roof Surfacing) All forms provide coverage on an ACTUAL CASH VALUE basis. Dwellings and Related Private Structures may be changed to a Replacement Cost basis when Broad Form (DF-2) or Special Form (DF-3) is written. For Replacement Cost Coverage on the Dwelling, increase base premium by 10% and schedule the dwelling on DF-1467. For Replacement Cost on Related Private Structures scheduled on NS-248, increase the premium charge for the scheduled structure by 10% and schedule the related private structure on DF- 1467. NOTE: Inflation Guard will automatically apply to those buildings written on a replacement cost basis. The limits of insurance for the building(s) will automatically increase annually based on changing construction costs factors. To qualify for Replacement Cost Coverage, the following Eligibility Rules/Underwriting Requirements must be met: 1. Recent photos showing all roof surfaces must accompany each application or endorsement request. 2. The dwelling must be insured to at least 80% or more of its full replacement cost. A dwelling that has replacement value substantially greater than the market value is not eligible. 3. The Related Private Structure must be specifically insured for a minimum of 80% of its full replacement cost. 4. The policy must be written on a Broad Form (DF-2) or Special Form (DF-3) policy. 5. Any existing hail or windstorm damage must be disclosed on the application or endorsement request. 6. There cannot be over one layer of roofing (shingles). 7. Dwellings or buildings with wood shingles are not eligible for replacement cost. 8. Dwelling updates must meet the following requirements: a. Electrical 100 amps. b. Plumbing updated in the last 40 years. c. Heating replaced in the last 30 years. d. Shingles - 10 years of age or less. For dwelling and related private structures that would otherwise qualify for Replacement Cost Coverage, but the shingles are over 10 years of age, refer to Replacement Cost Coverage DF-1786. REPLACEMENT COST COVERAGE - DF-1786 (DF-2 and DF-3) (Applies to Buildings, NOT Roof Surfacing) Dwellings or Related Private Structures that meet all Eligibility Rules/Underwriting Requirements for Replacement Cost Coverage DF-1467, except the shingles are over 10 years of age, may use DF-1786 to provide Replacement Cost Coverage on the Dwelling or Related Private Structure AND Actual Cash Value on the roof surfacing. For Replacement Cost Coverage on the Dwelling (Actual Cash Value Roof Surfacing), increase base premium by 5% and schedule the dwelling on DF-1786. For Replacement Cost on Related Private Structures scheduled on NS-248 (Actual Cash Value Roof Surfacing), increase the premium charge for the scheduled structure by 5% and schedule the related private structure on DF-1786. NOTE: Inflation Guard will automatically apply to those buildings written on a replacement cost basis. The limits of insurance for the building(s) will automatically increase annually based on changing construction costs factors. Minnesota New Business 01-01-17 North Star Mutual Ins. Co. NSDWG - 17 Renewals 01-01-17