GENESEE PATRONS LANDLORDS PACKAGE POLICY PROGRAM

GENESEE PATRONS LANDLORDS PACKAGE POLICY PROGRAM Genesee Patrons JUNE 1986 4/14

INDEX DESCRIPTION RULE NO. PAGES Basic Policy Coverage and Limits 2 2 Eligibility 1 1 General Rules 3-a to 3-i 3-4 Mandatory Forms 2 2 Optional Coverages - Description 6-a to 6-t 7-10 Premium Tables --- 11-16 Premium Section - Optional Coverages 6-b to 6-t 17-19 Rating 4 5 Rating - Descriptions of Classifications 5-a to 5-g 5-6 Special Premium Modifications 7-a to 7-b 10 & 19 LPP Genesee Patrons 3/93 5/11

LANDLORDS PACKAGE POLICY PROGRAM Rule No. 1. ELIGIBILITY: The Landlords Package Policy manual contains rules, classifications, rates and premiums for writing Fire, Allied Lines and Liability Insurance on: 1 and 2 family non-owner occupied dwellings 3 and 4 family owner and non-owner occupied dwellings Provisions are made for the following Optional Endorsement or Coverages: Additional Insured Additional Living Expense (above 10%) Automatic Increase - Coverage A Broad Form Coverages Other Programs Credit to Remove Liability Coverage Deductibles Earthquake Loss of Rents (above 10%) Market Value Debit Personal Injury Personal Liability Personal Property Premises Liability & Premises Medical Payments - Increased Limits Protective Device Credit Related Private Structures (above 10%) Special Form Vandalism LPP PAGE 1 Genesee Patrons 6/86 6/09

2. BASIC POLICY COVERAGE AND LIMITS : The basic policy provides coverage for the following: Coverage Description Minimum Limits A Residence 1 & 2 Family $50,000 3 & 4 Family $60,000 B Related Private Structures 10% of Coverage A C Personal Property Optional D Additional Living Expense and Loss of Rent 10% of Coverage A L Premises Liability 25,000 M Premises Medical Payments Optional The Basic Form insures against the following perils: Fire or Lightning Explosion Windstorm or Hail Riot or Civil Commotion Aircraft Vehicles Sudden and Accidental Damage from Smoke MANDATORY FORMS - The following forms are mandatory for the Landlords Package Program: Property Coverages - FL-20, FL-30, FL-84A & PERILS SECTION (FL-1R, 2B or 3B). Liability Coverages - FL-OLT (if liability is included). Genesee Patrons requires the Trampoline Exclusion Form (FL-52A). LPP PAGE 2 Genesee Patrons 6/86 6/09

3. GENERAL RULES: 3-a CANCELLATION - If insurance is canceled or reduced at the request of the company or the insured, the earned premium shall be computed on a pro-rata basis. 3-b CONTRIBUTING INSURANCE - (FL-14), (FL-14LP) Coverage may be divided between two or more companies using the rates, rules forms and endorsements of this manual. 3-c DEFERRED PREMIUM PAYMENT PLAN - It is permissible to write a policy for three years with the premium payable annually. If the premium is paid annually, the installment premium shall be determined as follows: The installment premium shall be the annual premium as shown in this manual. 3-d INTERPOLATION - To determine the premium for an amount of insurance between two amounts shown in the premium table, add the pro-rata premium for the difference between the nearest amounts shown to the premium for the lower amount. LPP PAGE 3 Genesee Patrons 6/86 6/09

3-e MAXIMUM & MINIMUM CHARGES - ANNUAL No additional premium shall be charged and No return premium shall be allowed when such additional or return premium is less than $5.00. 3-f RATE REVISIONS - After the Underwriters Rating Board announces a rate revision, each individual company shall determine the effective date(s) for: 1) new policies and endorsements 2) renewal policies 3-g RESTRICTION OF INDIVIDUAL POLICIES - If a policy would not be issued because of unusual exposures, the applicant may request a restriction of the policy at no reduction in the premium. The request, bearing the signature of the applicant, shall be referred to the Company. 3-h TERM INSURANCE - The Landlord Package Program may be written for a term up to three years. All premiums contained in this manual are on an annual basis. Term Factors are listed below: Term of Policy Term Factor 1 year 1.0 2 years 2.0 3 years 3.0 3-i WHOLE DOLLAR PREMIUM - The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage provided by the policy. A premium involving 50 cents or over shall be rounded to the next higher whole dollar. LPP PAGE 4 Genesee Patrons 6/86 6/09

4. RATING: All Premiums in this Manual are ANNUAL per $1000. of Insurance unless otherwise specified. 1. Classify Residence by Construction and Protection. 2. Consult Rate tables to obtain appropriate Annual Premium for Replacement Cost or Actual Cash Value and number of families (see interpolation rule if premium for amount of insurance is not shown). 3. Apply any special condition charges or credits. 4. Add premium for optional property coverages. 5. Apply deductible credits. 6. Add premiums for higher liability limits and optional liability coverages. 7. Add any other premiums that are written with this policy. 5. RATING - DESCRIPTIONS OR CLASSIFICATIONS CONSTRUCTION - 5-a FRAME - A building shall be classified as Frame when the wall area of Frame, Metal-sheathed or Stucco construction exceeds 33 1/3% of the total exterior wall area. 5-b MASONRY - A Building shall be classified as masonry when more than 66 2/3% of the exterior wall area is of Masonry or Masonry veneered construction. LPP PAGE 5 Genesee Patrons 6/86 6/09

PROTECTION - 5-c PROTECTED - Building is located within 1,000 feet of an approved fire hydrant and is within 5 road miles of a responding fire department. 5-d SEMI - PROTECTED - Building is located more than 1,000 feet from an approved fire hydrant, but is within 5 road miles of a responding fire department. 5-e UNPROTECTED - All Others RESIDENCE REPLACEMENT COST / ACTUAL CASH VALUE PROVISIONS - 5-f REPLACEMENT COST - Replacement Cost premiums are to be used when the residence is insured for at least 80% of the Replacement Cost. Residence losses will be settled according to the Replacement Cost Provision. 5-g ACTUAL CASH VALUE - The Actual Cash Value premiums are to be used when the residence is insured for less than 80% of the replacement cost. Residence losses will be settled on an actual cash value basis including deduction for depreciation. LPP PAGE 6 Genesee Patrons 6/86 6/09

6. OPTIONAL COVERAGE - 6-a ADDITIONAL INSURED - (FL-41) (FL-41L) Additional insured premiums are shown in the Premium Section of the Manual. 6-b ADDITIONAL LIVING EXPENSE - Enter total amount of coverage on policy declaration. Coverage in excess of the amount provided (10%) shall be charged at the premiums at the bottom of the rate tables. 6-c AUTOMATIC INCREASE IN INSURANCE - (FL-10) Automatic increase in insurance premiums are shown in the Premium Section of the manual. 6-d BROAD FORM - (FL-2B) Adds the following perils to the basic form: Glass Breakage Burglary Damage Falling Objects Weight of Ice, Snow or Sleet Collapse of a Building Sudden and accidental tearing apart, burning or bulging of heating or air-conditioning system or water heater. Accidental Discharge or Overflow of liquids or Steam Freezing Sudden and accidental damage from artificially generated electrical currents Premiums are shown on the rate pages. 6-e COVERAGES - OTHER PROGRAMS It is permissible to attach any filed form offering supplemental coverage not included in this section. The appropriate rates are to be used. LPP PAGE 7 Genesee Patrons 6/86 6/09

6-f CREDIT TO REMOVE LIABILITY COVERAGE Credits to remove liability coverage are shown in the Premium Section of the Manual. 6-g DEDUCTIBLES - Forms used in conjunction with the premiums shown in this manual contemplate $100 All Perils Loss Deductible Clause applying per occurrence. This deductible clause can be increased by entering the deductible amount on the Declarations Page and applying the appropriate deductible credit as shown in the Premium Section of the manual. 6-h EARTHQUAKE - (FL-12) Earthquake premiums are shown in the Premium Section of the Manual. 6-i LOSS OF RENTS - Enter total amount of coverage on policy declarations. Coverage in excess of the amount provided (10%) shall be charged at the premiums shown at the bottom of the rate tables. 6-j MARKET VALUE LANDLORD - Coverage can be written in ACV program from 59% down to 25% of full replacement cost with a surcharge of 10% added to ACV rates. 6-k PERSONAL INJURY - (ML-46) Coverage may be provided for the Named Insured's legal liability resulting from the false arrest, libel, slander, or invasion of privacy of another at the additional premiums shown in the Premium Section of the manual. LPP PAGE 8 Genesee Patrons 6/86 6/09

6-l PERSONAL LIABILITY - (FL-CPL) Personal liability may be written at the additional premium shown in the Premium Section of the manual. The Personal Liability coverage must be written at the same limit of liability as the mandatory liability coverage. Coverage may be added only to 3 and 4 family owner occupied dwelling. 6-m PERSONAL PROPERTY - Shall mean personal property owned by or in the care of an insured. Premiums are shown at the bottom of the rate tables. 6-n PREMISES LIABILITY - INCREASED LIMITS - Higher Liability limits may be written at the additional premiums shown in the Premium Section of the manual. 6-o PREMISES MEDICAL PAYMENTS - INCREASED LIMITS - Medical payments may be written at the additional premiums shown in the Premium Section of the manual. 6-p PROTECTIVE DEVICE CREDIT (ML-216) Premium credits may be allowed for the installation of approved and properly maintained alarm and/or sprinkler systems in a residence as shown in the Premium Section of the manual. 6-q RELATED PRIVATE STRUCTURES - Shall mean related private structures on the insured premises which are not attached to your residence. Premiums are shown at the bottom of the rate tables. 6-r RELATED PRIVATE STRUCTURES - SPECIFIED - (FL-48A) Related private structures - specified premiums are shown in the Premium Section of the manual. LPP PAGE 9 Genesee Patrons 6/86 6/09

6-s SPECIAL FORM - (FL-3B) - (Excludes Theft) Coverage on the residence is on the risk not otherwise excluded basis and coverage on personal property is the same as Broad Form. Premiums are shown on the rate pages. 6-t VANDALISM - Can be added to basic form by indicating coverage applies on policy declarations. Coverage included in other forms. Premiums shown on the rate pages. 7. SPECIAL PREMIUM MODIFICATIONS - 7-a CREDIT FIRE EXTINGUISHER A premium credit may be applied where fire extinguishers exist, as shown in the Premium Section of the manual. 7-b TERRITORY SURCHANGE 40% N.Y.S. Anti Arson Form is required with Rochester and Buffalo addresses. Refer to page 19 for a list of all Cities. LPP PAGE 10 Genesee Patrons 6/86 5/11

LANDLORDS PACKAGE POLICY MASONRY OR FRAME ANNUAL PREMIUMS PROTECTED - REMAINDER OF STATE $100 LOSS DEDUCTIBLE CLAUSE REPLACEMENT COST 1-2 FAMILY 3-4 FAMILY FL-1R FL-1R FL-2 FL-3 FL-1R FL-1R FL-2 FL-3 NO WITH NO WITH COVERAGE A VAND VAND VAND VAND 10,000 103 104 111 114 130 132 140 144 20,000 130 134 146 152 163 166 182 190 30,000 155 159 179 187 194 200 224 235 40,000 184 191 215 228 230 238 268 284 50,000 207 214 246 262 257 267 306 326 60,000 231 240 278 296 289 300 347 370 70,000 269 281 323 346 337 350 405 433 80,000 306 318 367 393 382 397 460 491 90,000 339 354 409 437 424 441 511 547 100,000 366 382 444 475 458 476 553 593 120,000 439 459 532 570 548 571 664 711 140,000 517 539 626 670 645 672 780 834 150,000 550 574 668 714 687 717 832 892 160,000 584 608 707 758 730 760 885 948 180,000 674 702 813 870 842 877 1016 1087 200,000 742 773 896 959 927 965 1120 1198 EACH $5000 17.05 17.21 17.83 18.14 21.32 21.51 22.29 22.68 OVER PERSONAL SEE SEE SEE SEE SEE SEE SEE SEE PROPERTY ACV ACV ACV ACV ACV ACV ACV ACV PER $1,000 FL-2 FL-2 PRIVATE STRUCTURES 4.14 4.28 INCREASED LIMIT 4.83 5.11 5.18 5.35 6.04 6.39 PER $1,000 ABOVE 10% BASIC LIMIT ADDITIONAL 4.14 4.28 4.83 LIVING 5.11 5.18 5.35 6.04 6.39 LOSS OF RENT PER $1,000 EXPENSE AND RESIDENCE 6.00 6.00 N/A N/A 6.00 6.00 N/A N/A GLASS LPP Genesee Patrons 6/86 PAGE 11 6/09

LANDLORDS PACKAGE POLICY MASONRY OR FRAME ANNUAL PREMIUMS PROTECTED - REMAINDER OF STATE $100 LOSS DEDUCTIBLE CLAUSE ACTUAL CASH VALUE 1-2 FAMILY 3-4 FAMILY FL-1R FL-1R FL-2 FL-3 FL-1R FL-1R FL-2 FL-3 NO WITH NO WITH COVERAGE A VAND VAND VAND VAND 10,000 135 137 145 150 168 171 181 186 20,000 170 174 190 198 211 215 236 246 30,000 201 207 231 243 252 259 290 305 40,000 239 248 280 295 300 310 350 370 50,000 268 279 319 339 335 347 397 423 60,000 300 312 361 385 375 390 450 480 70,000 350 365 421 449 438 454 525 562 80,000 396 412 477 510 496 517 598 638 90,000 441 460 532 568 551 574 665 710 100,000 475 495 576 617 594 619 720 771 120,000 571 595 692 740 713 743 864 925 140,000 671 699 812 868 839 874 1015 1086 150,000 716 746 867 928 894 931 1083 1160 160,000 759 791 921 986 950 988 1150 1231 180,000 876 912 1058 1132 1095 1140 1322 1413 200,000 964 1005 1166 1247 1204 1253 1456 1557 EACH $5000 22.16 22.36 23.17 23.58 27.71 27.96 28.96 29.47 OVER PERSONAL PROPERTY 4.48 4.66 5.38 SEE 5.61 5.83 6.73 SEE PER $1,000 FL-2 FL-2 PRIVATE STRUCTURES 5.38 5.56 6.28 INCREASED LIMIT 6.64 6.73 6.95 7.85 8.30 PER $1,000 ABOVE 10% BASIC LIMIT ADDITIONAL 5.38 LIVING 5.56 6.28 6.64 6.73 6.95 7.85 8.30 EXPENSE AND LOSS OF RENT PER $1,000 RESIDENCE 6.00 6.00 N/A N/A 6.00 6.00 N/A N/A GLASS LPP 6/86 Genesee Patrons PAGE 12 6/09

LANDLORDS PACKAGE POLICY MASONRY OR FRAME ANNUAL PREMIUMS SEMI-PROTECTED - REMAINDER OF STATE $100 LOSS DEDUCTIBLE CLAUSE REPLACEMENT COST 1-2 FAMILY 3-4 FAMILY FL-1R FL-1R FL-2 FL-3 FL-1R FL-1R FL-2 FL-3 NO WITH NO WITH COVERAGE A VAND VAND VAND VAND 10,000 135 137 145 150 168 171 181 186 20,000 168 173 188 197 211 215 236 246 30,000 201 207 231 243 252 259 290 305 40,000 239 248 280 295 298 309 349 369 50,000 267 278 318 338 335 347 397 423 60,000 300 312 361 384 374 389 449 479 70,000 349 364 420 448 437 453 524 561 80,000 396 412 477 509 495 516 596 636 90,000 440 459 531 567 550 573 664 708 100,000 474 494 575 615 593 618 719 770 120,000 570 594 691 738 711 740 861 922 140,000 670 698 811 866 837 872 1013 1084 150,000 713 744 865 925 892 929 1081 1156 160,000 758 790 920 983 948 987 1149 1230 180,000 875 911 1057 1127 1093 1138 1320 1410 200,000 961 1002 1164 1242 1202 1251 1454 1555 EACH $5000 22.12 22.32 23.13 23.52 27.64 27.89 28.90 29.40 OVER PERSONAL SEE SEE SEE SEE SEE SEE SEE SEE PROPERTY ACV ACV ACV ACV ACV ACV ACV ACV PER $1,000 FL-2 FL-2 PRIVATE STRUCTURES 5.37 5.55 INCREASED LIMIT 6.27 6.62 6.71 6.93 7.83 8.28 PER $1,000 ABOVE 10% BASIC LIMIT ADDITIONAL 5.37 5.55 LIVING 6.27 6.62 6.71 6.93 7.83 8.28 EXPENSE AND LOSS OF RENT PER $1,000 RESIDENCE 6.00 6.00 N/A N/A 6.00 6.00 N/A N/A GLASS LPP Genesee Patrons 6/86 PAGE 13 6/09

LANDLORDS PACKAGE POLICY MASONRY OR FRAME ANNUAL PREMIUMS SEMI-PROTECTED - REMAINDER OF STATE $100 LOSS DEDUCTIBLE CLAUSE ACTUAL CASH VALUE 1-2 FAMILY 3-4 FAMILY FL-1R FL-1R FL-2 FL-3 FL-1R FL-1R FL-2 FL-3 NO WITH NO WITH COVERAGE A VAND VAND VAND VAND 10,000 175 178 188 193 219 223 236 241 20,000 219 225 244 256 275 281 307 320 30,000 262 269 301 317 327 337 376 395 40,000 311 321 363 384 389 402 453 480 50,000 347 361 412 439 435 451 517 549 60,000 390 406 468 500 487 505 584 623 70,000 454 473 546 583 568 591 683 729 80,000 515 535 619 660 644 670 774 827 90,000 573 596 690 738 716 745 862 922 100,000 617 643 747 800 771 803 933 999 120,000 740 772 896 960 925 964 1120 1199 140,000 870 907 1052 1126 1089 1135 1317 1409 150,000 928 967 1123 1203 1161 1210 1405 1504 160,000 985 1026 1194 1278 1232 1283 1492 1598 180,000 1137 1182 1372 1465 1421 1479 1714 1834 200,000 1249 1301 1510 1615 1561 1627 1887 2020 EACH $5000 28.76 29.02 30.06 30.59 35.94 36.26 37.58 38.23 OVER PERSONAL PROPERTY 5.82 6.05 6.98 SEE 7.27 7.56 8.72 SEE PER $1,000 FL-2 FL-2 PRIVATE STRUCTURES 6.98 7.21 8.14 8.61 8.73 9.02 10.18 10.77 INCREASED LIMIT PER $1,000 ABOVE 10% BASIC LIMIT ADDITIONAL 6.98 7.21 8.14 8.61 8.73 9.02 10.18 10.77 LIVING EXPENSE AND LOSS OF RENT PER $1,000 RESIDENCE 6.00 6.00 N/A N/A 6.00 6.00 N/A N/A GLASS LPP Genesee Patrons 6/86 PAGE 14 6/09

LANDLORDS PACKAGE POLICY MASONRY OR FRAME UNPROTECTED - REMAINDER OF STATE REPLACEMENT COST ANNUAL PREMIUMS $100 LOSS DEDUCTIBLE CLAUSE 1-2 FAMILY 3-4 FAMILY FL-1R FL-1R FL-2 FL-3 FL-1R FL-1R FL-2 FL-3 NO WITH NO WITH COVERAGE A VAND VAND VAND VAND 10,000 182 184 196 201 228 231 244 252 20,000 228 234 255 266 285 292 319 333 30,000 271 280 312 329 340 350 391 412 40,000 323 335 378 399 405 418 472 500 50,000 362 375 431 458 451 468 537 571 60,000 406 421 488 519 506 527 608 649 70,000 473 492 568 605 591 615 710 757 80,000 536 557 645 687 670 697 805 860 90,000 595 620 718 766 744 774 896 958 100,000 642 669 777 831 802 836 971 1040 120,000 770 802 932 997 961 1002 1165 1247 140,000 905 943 1095 1171 1132 1178 1368 1464 150,000 965 1006 1169 1250 1206 1257 1461 1563 160,000 1024 1067 1242 1328 1280 1334 1553 1661 180,000 1182 1231 1428 1525 1478 1539 1784 1907 200,000 1300 1353 1571 1680 1624 1691 1964 2101 EACH $5000 29.90 30.17 31.26 31.79 37.38 37.72 39.07 39.76 OVER PERSONAL SEE SEE SEE SEE SEE SEE SEE SEE PROPERTY ACV ACV ACV ACV ACV ACV ACV ACV PER $1,000 FL-2 FL-2 PRIVATE STRUCTURES 7.26 7.50 8.47 8.95 9.08 9.38 10.59 11.20 INCREASED LIMIT PER $1,000 ABOVE 10% BASIC LIMIT ADDITIONAL 7.26 7.50 8.47 8.95 LIVING 9.08 9.38 10.59 11.20 LOSS OF RENT PER $1,000 EXPENSE AND RESIDENCE 6.00 6.00 N/A N/A 6.00 6.00 N/A N/A GLASS LPP 6/86 Genesee Patrons PAGE 15 6/09

LANDLORDS PACKAGE POLICY MASONRY OR FRAME ANNUAL PREMIUMS UNPROTECTED - REMAINDER OF STATE $100 LOSS DEDUCTIBLE CLAUSE ACTUAL CASH VALUE 1-2 FAMILY 3-4 FAMILY FL-1R FL-1R FL-2 FL-3 FL-1R FL-1R FL-2 FL-3 NO WITH NO WITH COVERAGE A VAND VAND VAND VAND 10,000 237 240 255 262 295 300 318 327 20,000 296 304 332 346 370 380 415 433 30,000 354 364 407 427 441 454 508 535 40,000 420 434 491 519 525 544 615 649 50,000 469 488 558 593 588 609 699 743 60,000 527 548 632 675 658 684 790 843 70,000 615 640 738 787 769 799 924 985 80,000 697 725 838 894 870 905 1048 1118 90,000 774 805 932 996 967 1007 1166 1246 100,000 833 868 1010 1081 1042 1086 1264 1351 120,000 999 1041 1211 1296 1250 1303 1515 1620 140,000 1177 1225 1424 1523 1472 1533 1782 1904 150,000 1254 1307 1519 1626 1568 1633 1900 2032 160,000 1332 1388 1614 1727 1666 1736 2020 2160 180,000 1538 1601 1855 1982 1922 2000 2320 2477 200,000 1689 1759 2042 2184 2111 2200 2554 2729 EACH $5000 38.88 39.22 40.63 41.34 48.59 49.03 50.80 51.68 OVER PERSONAL PROPERTY 7.86 8.17 9.43 SEE 9.83 10.22 11.80 SEE PER $1,000 FL-2 FL-2 PRIVATE STRUCTURES 9.44 9.75 11.01 11.64 11.80 12.19 13.77 14.55 INCREASED LIMIT PER $1,000 ABOVE 10% BASIC LIMIT ADDITIONAL 9.44 9.75 LIVING 11.01 11.64 11.80 12.19 13.77 14.55 EXPENSE AND LOSS OF RENT PER $1,000 RESIDENCE 6.00 6.00 N/A N/A 6.00 6.00 N/A N/A GLASS LPP 6/86 Genesee Patrons PAGE 16 6/09

PREMIUM SECTION OPTIONAL COVERAGES ANNUAL PREMIUMS RULE NO. 6-a ADDITIONAL INSURED - (FL-41) (FL-41L) Coverages A & B (FL-41) Coverages A, B, L & M (FL-41L) $10. per additional insured 15. per additional insured 6-c AUTOMATIC INCREASE IN INSURANCE - (FL-10) Amount of Quarterly Surcharge Increase 1.0 2.0% Automatic Increase in Insurance (FL-10) required on Replacement Cost policies. All Replacement Cost policies require a 1% per quarter, 4% per year. 6-f CREDIT TO REMOVE LIABILITY COVERAGE - 1-4 Family $ 22. 6-g DEDUCTIBLE HIGHER DEDUCTIBLE AMOUNTS Amount of Deductible of Credit 250. 10% 500. 13% 1,000. 17% 2,500. 25% 6-h EARTHQUAKE (FL-12) Frame (excluding masonry veneer).40 per $1,000 All other.50 per $1,000 LPP PAGE 17 Genesee Patrons 6/86 4/14

6-p PREMISES ALARM OR FIRE PROTECTION SYSTEM - (ML-216) Fire Alarm and/or Smoke 2% Detectors Central Station Burglary 10% and/or Fire Alarm Systems Fire and/or Police Department 5% Alarm Systems Automatic Sprinkler System 15% 6-r RELATED PRIVATE STRUCTURES - (FL-48A) FL-48A $5.00 per $1,000 7. SPECIAL PREMIUM MODIFICATIONS 7-a CREDIT FIRE EXTINGUISHER 5% 7-b TERRITORY SURCHANGE 40% Applies for the following cities: Buffalo, Niagara Falls, Rochester, Watertown, Rome, Utica, Binghamton, Syracuse, Albany, Schenectady, Poughkeepsie and Troy. Note The N.Y.S. Anti Arson Form is required to be completed and submitted before each anniversary for properties with Rochester and Buffalo addresses. LPP PAGE 18 Genesee Patrons 6/86 5/11