TEXAS MOBILE HOME UNDERWRITING GUIDELINES AND RATE GUIDE

8655 E Via De Ventura Scottsdale, AZ 85258-3321 A.M. Best Rated A-, Excellent TEXAS MOBILE HOME UNDERWRITING GUIDELINES AND RATE GUIDE New Business Effective: 09/01/05 Renewal Business Effective: 09/01/05 A4101R0905

GENERAL RULES 1. ELIGIBILITY: Mobile homes used for family habitation and light commercial use are eligible. 2. POLICY TERM: A policy may be written for a term of 12 months. Renewal policies will be based upon the rules, rates and forms in effect on the effective date of the renewal. 3. DETERMINING THE MOBILE HOME VALUE: The mobile home, and its attached adjacent structures, must be insured to its full actual cash value. If it has been recently purchased, use the purchase price (excluding land) as the base value. If it has not recently been purchased, the current value can be determined from a source such as the mobile home blue book or similar guide. 4. WHOLE DOLLAR PREMIUM ROUNDING: All policy and endorsement premiums will be a full dollar amount. For this purpose, an amount of fifty (50) cents or more will be rounded to the next whole dollar. 5. CHANGES/WAIVER OF PREMIUM: If insurance is increased or reduced, the additional or unearned premium shall be computed on a prorata basis, subject to the minimum premium. If the change results in a premium adjustment of less than $5, this adjustment may be waived unless the named insured requests the unearned premium be refunded. 6. CANCELLATIONS: If the insurance is canceled at the request of the Company or the insured, the unearned premium will be computed on a pro-rata basis. 7. MINIMUM PREMIUMS: A minimum written premium of $50, and a minimum earned premium of $50 will apply to each new and renewal policy. 8. DEFINITIONS: Mobile Home: A factory fabricated structure that is a transportable, permanent housing unit which is set on a permanent site and is connected to utilities. It may consist of two or more sections that are joined together when the home is installed at a permanent site. Primary/Permanent Home: A home that is a primary residence occupied by one family. The home must be occupied by the insured for at least six (6) consecutive months. Rental Home: Commercial Home: Insured Age: Home Age: A home rented to others for monetary compensation. A home used for light office, professional or institutional purposes. Year the policy is effective minus the year the insured was born. Year the policy is effective minus the manufacturer year of the home. In Park: Mobile homes that are in a mobile home park or subdivision with 25 or more occupied spaces or PC class 1-8. Out of Park: Special Program: All Purpose Program: All mobile homes not meeting the definition of In Park. Program is designed for owner occupied homes used on a primary/permanent basis. Program is designed for homes used on a rental or commercial basis. 1

GENERAL RULES (Continued) 9. TERRITORY DEFINITIONS: Territory 1 Aransas Jefferson (South and East of Interstate 10) Brazoria (South and East of Hwy 35) Kenedy (East of Hwy 77) Calhoun (South and East of Hwy 35) Kleberg (South and East of Hwy 77) Refugio (Bounded on the North by Hwy 239 to the intersection of Hwy 77 continuing South to the county line.) Cameron (South and East of Hwy 77) Matagorda (South and East of Hwy 35) San Patricio (South and East of Hwy 77) Chambers (South of Interstate 10) Nueces (South and East of Hwy 77) Willacy (East of Hwy 77) Galveston Territory 2 - Entire County: Bee Goliad Jackson Liberty Victoria Brooks Hardin Jim Wells Orange Wharton Fort Bend Harris Remainder of the following counties: Brazoria Chambers Kleberg Nueces San Patricio Calhoun Jefferson Matagorda Refugio Willacy Cameron Kenedy Territory 3 Anderson Burleson Erath Henderson Lavaca Medina Rusk Waller Angelina Burnet Falls Hill Lee Milam Sabine Washington Atascosa Caldwell Fayette Houston Leon Mills San Augustine Webb Austin Cherokee Freestone Jasper Limestone Montgomery San Jacinto Williamson Bandera Colorado Frio Jim Hogg Live Oak Nacogdoches San Saba Wilson Bastrop Comal Gillespie Karnes Llano Navarro Shelby Zavala Bell Comanche Gonzales Kendall McLennan Newton Travis Bexar Coryell Grimes Kerr McMullen Panola Trinity Blanco DeWitt Guadalupe Kinney Madison Polk Tyler Bosque Dimmit Hamilton Lampasas Mason Real Uvalde Brazos Duval Hays LaSalle Maverick Robertson Walker Territory 4 Andrews Cockran Donley Hall Jeff Davis Mitchell Reeves Upton Archer Collingsworth Ector Hansford Kent Moore Roberts Val Verde Armstrong Cottle Edwards Hardeman King Motley Schleicher Ward Bailey Crane Fisher Hartley Knox Ochiltree Scurry Wheeler Baylor Crockett Floyd Haskell Lamb Oldham Sherman Wichita Borden Crosby Foard Hemphill Lipscomb Parmer Sterling Wilbarger Brewster Culberson Gaines Hockley Loving Pecos Stonewall Winkler Briscoe Dallam Garza Howard Lubbock Potter Sutton Yoakum Carson Dawson Glasscock Hudspeth Lynn Presidio Swisher Castro Deaf Smith Gray Hutchinson Martin Randall Terrell Childress Dickens Hale Irion Midland Reagan Terry Territory 5 Collin Denton Harrison Hunt Marion Smith Upshur Dallas Ellis Hood Johnson Rains Somervell Van Zandt Delta Gregg Hopkins Kaufman Rockwall Tarrant Wood Territory 6 Bowie Clay Eastland Jones Montague Red River Throckmorton Brown Coke Fannin Kimble Morris Runnels Titus Callahan Coleman Franklin Lamar Nolan Shackelford Tom Green Camp Concho Grayson McCulloch Palo Pinto Stephens Wise Cass Cooke Jack Menard Parker Taylor Young Territory 7 El Paso Territory 8 Hidalgo Starr Zapata 2

GENERAL RULES (Continued) 10. RESTRICTED AREAS - FLOOD: No new policies, binders or increases in coverage will be accepted when flooding is within 5 miles of mobile home. No new or renewal business may be written in these areas or on mobile homes located: a. inside any levee; b. on any island, key, cape or peninsula; c. in any area subject to flooding or mudslides; d. within one mile of any salt water. Risks located in the following flood restricted areas are not eligible for flood coverage. Attach endorsement A4194E0290 (R8/92) County City/Area Applies To: Zip Code Bandera Bandera Riverbed Estates 78003 Bandera Pipe Creek Alamo Beach 78063 Bastrop Bastrop Riverwood Acres Subd. (Off Jones Rd./Cr 41) 78602 Bexar San Antonio C A Kelley MHP & Trailer City MHP 78211 Coryell Gatesville FM 116 @ Cowhouse Creek 76528 Guadalupe Cibolo Crescent Bend Subd. 78108 Hardin Batson Batson Prairie Loop Area 77519 Harris Huffman Brentwood MHP 77336 Harrison Karnack Parts of Karnack (call office) 75661 Harrison Uncertain Entire Uncertain area 75661 Hildago Mission Heritage Square 78572 Hood Granbury Arrowhead Community, Lake Granbury / Harbor & Brazos River Acres 76048 Johnson Mansfield Pecanwood Estates 76063 Johnson Burleson County Rd. 600/FM 3391 Miller & Quail Creek Area 76028 Liberty Dayton Dayton Lakes Estates & Towering Oaks II Subd. & Oak Meadows Subd. & Timber Lake 77535 Subd. & Hunter s Cove Subd. Liberty Liberty Twin Oaks MHP 77575 Medina Pipe Creek Alamo Beach 78063 Montgomery Conroe Fire Tower Rd. - Between FM 1485 to the South & FM 2090 to the North, PLUS all 77303 roads within 2 miles East & West of Fire Tower Rd. Montgomery Conroe Chasewood Subd. 77303 Montgomery Conroe Waukegan Rd. - Between FM 1485 to the South & Hwy. 105 to the North, PLUS all 77303 roads within 2 miles East & West of Waukegan Rd. Montgomery Conroe Magnolia Bend Subd. & River Oaks Dr. area 77302 Montgomery Magnolia Decker Prairie Subd. & Oak Hollow Subd. & Margolia Bend Estates & Decker Woods 77355 Subd. Montgomery New Caney Peach Creek Colony & Wood Branch & Arbor Oaks 77357 Montgomery Pinehurst Autumn Woods Subd. & Foxwood Subd. & Flower Mound & Decker Prairie area 77362 Montgomery Porter Live Oak Square & Porter Lane & Live Oak Burr Dr. 77365 Montgomery Splendora Harvest Acres Subd. & Twin Lakes Estates Lake Splendora Subd. 77357 Montgomery Patton Village Cheatum Street 77372 Montgomery Woodloch 2 mile radius of Woodloch 77302 Navarro Kerens City Lake Road 75144 Parker Soda Springs/Millsap Mountain River Estates 76066 Parker Weatherford Horseshoe Bend Community 76086 Polk Camilla/Coldspring Camilla Twin Harbor 77331 Polk Goodrich Riviera Estates 77371 Polk Livingston Penwaugh Marine & Campground 77351 Polk Onalaska Yaupon Cove Subd. (Lakefront Property) 77360 San Jacinto Coldspring Camilla/Camilla Twin Harbors 77331 San Jacinto Goodrich Camilla Twin Harbors & Riviera Estates 77371 San Jacinto Shepherd Grist Mill Lane Area & Independence Acres areas 77371 Travis Austin Austin Hill Mobile Home Estates 78724 Travis Austin Hudson Bend Camper Resort, West Beach Road & Annie Stewart Subd., Lake Travis 78734 Area Travis Austin Stonegate MHP Flood Zone Spaces 401-413, 3-31, 209-223, 227-229 & 332-347 78753 Travis Del Valle FM 973 & Pearce Lane, Onion Creek Area 78617 Trinity Trinity White Rock Creek Subd. & Deer Run Subd. 75862 Walker Magnolia Oak Hollow Subd. 77355 Walker Trinity Deep River Plantation 75862 Wise Lake Bridgeport Runaway Bay & Hideaway Bay 76026 3

GENERAL RULES (Continued) 11. HURRICANE RESTRICTIONS: During period of hurricane and tropical storm activity we find it necessary to restrict the binding authority of all producers on mobile homes located in the below listed area in the following manner: a. Do not bind or write coverage on new business in the HURRICANE RESTRICTED COUNTIES when any hurricane is within the area of 65 West and 100 West Meridians and 15 North and 40 North Parallels. b. Do not bind or write coverage on new business in the HURRICANE RESTRICTED COUNTIES when any tropical storm is within 75 West and 100 West Meridians and 20 North and 40 North Parallels. c. No endorsements to existing policies may be issued which have the effect of increasing the limit of liability on personal effects, cabanas, awnings, carports, or shelters while a hurricane or tropical storm is within the above quadrants. d. Renewal or expiring Rancher and Farmers or Voyager Indemnity policies may be written providing there is no increase in coverage provided, such as higher limits on Personal Effects Coverage, coverage on cabanas, carports, awnings, screen rooms, etc. e. When a hurricane or tropical storm has diminished to a point where the National Hurricane Center has declared that it no longer poses a threat and is no longer classified as a tropical storm or hurricane, all restrictions indicated here are removed. HURRICANE RESTRICTED COUNTIES: Angelina Caldwell Fayette Hays Kinney Maverick Refugio Tyler Wilson Atascosa Calhoun Fort Bend Hidalgo Kleberg McMullen Robertson Uvalde Zapata Austin Cameron Frio Houston La Salle Medina Sabine Victoria Zavala Bastrop Chambers Galveston Jackson Lavaca Milam San Augustine Walker Bee Cherokee Goliad Jasper Lee Montgomery San Jacinto Waller Bexar Colorado Gonzales Jefferson Leon Nacogdoches San Patricio Washington Brazoria Comal Grimes Jim Hogg Liberty Newton Shelby Webb Brazos DeWitt Guadalupe Jim Wells Live Oak Nueces Starr Wharton Brooks Dimmit Hardin Karnes Madison Orange Travis Willacy Burleson Duval Harris Kenedy Matagorda Polk Trinity Williamson 12. EARTHQUAKE RESTRICTIONS: When a major earthquake occurs, the Company will impose binding authority restrictions on all agents in the affected area: a. Binding authority will be restricted when an earthquake reading 5.0 or greater in the Richter Scale occurs. b. Binding authority will be restricted for the day of the quake and for the 3-day period following the quake. c. An aftershock reading 5.0 or greater on the Richter Scale will be considered a new earthquake, and will result in a new period of suspended binding authority. d. The restrictions will apply to all counties located within 150 miles of the earthquake's epicenter. e. The same above restrictions apply to any requests to increase coverage limits. f. Renewals are not affected by these restrictions. 13. BINDING PERSONAL LINES COVERAGE: a. Telephone Call the main number shown on the rate guide cover during our regular office hours. b. Fax Binders Available at all times. Please FAX binders on the appropriate American Reliable application using our FAX number shown on the rate guide cover. c. If you choose to bind by mail, coverage will be bound at 12:01 a.m. on the date following the postmark date of the transmittal envelope, unless the date and exact time of day of the application are indicated on the application, and the transmittal envelope is postmarked on that same date. All applications forwarded by metered mail will be effective at 12:01 a.m. on the date the application is received by Southern States. 14. PHOTOS: Photos are required for homes 10 years of age and older (front and back). 15. PREMIUM RULES: 1. Determine use of the home and determine proper program the risk will be written in. 2. Determine the location of the risk (county, territory, park status). 3. Locate appropriate table for base premium. 4. Add any Deductible credit, the result is the new base premium. 5. Apply the net of any credits and surcharges applicable to the policy, to the new base premium. 6. Add any optional coverages. 7. The result is the Total Premium. CLAIMS PROCEDURES ASSIGN ALL PROPERTY AND LIABILITY CLAIMS TO: AMERICAN RELIABLE INSURANCE COMPANY 8655 E. VIA DE VENTURA SCOTTSDALE, AZ 85258 TOLL FREE: 800-245-1505 FAX: 800-224-4170 4

UNDERWRITING GUIDELINES INELIGIBLE RISKS 1. Applicants that have been convicted of arson, fraud or a felony. 2. Homes without permanently installed water, electricity, and sewage utility services. 3. Homes that have been salvaged or have existing structural damage. 4. Homes that are vacant, under construction/major renovation or in foreclosure. 5. Homes with kerosene heaters or heat reclaiming devices. 6. Homes where the primary source of heat is a wood, coal or pellet burning device. 7. Homes with fuses or polybutelene pipes. 8. Homes or structures used to store flammables or explosive materials. 9. Homes located in areas that are subject to floods, mudslides or forest fires. 10. Homes with more than 2 lien holders. Two lien holders are acceptable if one is a financial institution. 11. Homes with childcare, homecare, lodging, auto repair or chemical processing conducted on the premises. 12. Risks with unattached adjacent structures not incidental to the use of the home as a dwelling including: a. Any structure that exceeds 800 square feet in floor area. b. Unattached structure that is a home, site built house, barn (livestock structure), or used as living quarters. c. Greenhouses that are made of glass. 13. Applicants who own, keep, or shelter any of the following breeds: This includes but is not limited to Akitas, Chows, Dobermans, Great Danes, Pit Bulls, Rottweilers, Anatolian Shepherds, Wolfs or Wolf Hybrids, any mix of these breeds, any animal with a previous bite history or any exotic (snakes, monkeys, etc.) animals (Risk may be written if Animal Liability Limitation endorsement is attached). RISKS TO BE WRITTEN WITH NO LIABILITY COVERAGE 1. Any premises with a swimming pool or jacuzzi that does not have a four-foot fence with a self-latching gate or an automatic pool cover. 2. Any premises with a trampoline or a swimming pool with a diving board or slide. 3. Any premises with a dock, pier or boathouse. 4. Homes with no permanently installed steps at all entrances. SUBMIT RISKS 1. Applicants that have had 2 or more property losses in the past 3 years or any single fire, theft, liability or flood loss in the past 3 years. If yes, give date of loss, describe the loss and the amount paid to repair the damage. 2. Applicants that have had a mobile home/dwelling policy cancelled or non-renewed for underwriting reasons (except age of unit) during the past 3 years. 3. Applicants that have filed for bankruptcy in the past 3 years. 4. Applicants that have been delinquent in mortgage payments in the past year. 5. Applicants who are unemployed. (Retirees with guaranteed income and disabled persons with a consistent income are considered employed.) 6. Homes that have been uninsured for more than 30 days immediately prior to the requested effective date. (Does not apply to a new purchase.) 7. Homes titled in the name of a corporation. 8. Homes with more than two unrelated owners. 9. Homes that are built on stilts, posts or piers. 10. Homes or other structures (other than porches, decks, awnings, skirting or carports) that are not factory/contractor built or two separate homes that are joined together. Photos must be included. 11. Homes equipped with a supplemental heating device that was not installed by the manufacturer or a licensed contractor. Photos and the Woodstove Inspection Report must be included. 12. Homes within 1,500 feet of water excluding reservoirs (river, lake, creek or ocean) or homes located on an island or in a Special Flood Hazard Area. 13. Homes with horses, livestock or any farm animals on the premises. 14. Any premises with 5 or more acres. 15. Homes with business or farming activities conducted on the premises. 16. Homes with 3 or more steps on any exit without a handrail. Photos must be included. 17. Unattached structures that exceed 100% of the value of the mobile home or $25,000 whichever is greater. 18. Personal effects that exceed 100% of the value of the mobile home or $25,000 whichever is greater. Personal Effects Inventory must be included. 5

TEXAS MOBILE HOME PROGRAM L.O.B. 37 Rates Include: $500 Unattached Adjacent Structures, Personal Effects in Amount Shown, $50,000 Personal Liability, $500 Med Pay, Agreed Value Flood Coverage Included (not available in Territory 1) Deductibles: Territory 1 - $250 All Perils (Wind, Hurricane and Hail Excluded) Territory 2 - $250 All Other Perils / $1,000 Wind, Hail & Flood Territory 1 Territory 2 Mobile Home Value Personal Effects Insured under 50 years of age Insured over 50 years of age Insured under 50 years of age Insured over 50 years of age In Park Out of Park In Park Out of Park In Park Out of Park In Park Out of Park $5,000 - $5,999 $2,000 $260 $296 $234 $266 $442 $499 $401 $453 6,000-6,999 2,400 302 344 272 310 467 527 424 478 7,000-7,999 2,800 344 392 310 353 491 555 445 503 8,000-8,999 3,200 386 440 347 396 516 583 468 528 9,000-9,999 3,600 428 488 385 439 541 612 490 554 10,000-10,999 4,000 462 527 416 474 566 640 513 580 11,000-11,999 4,400 471 537 424 483 581 657 526 595 12,000-12,999 4,800 480 547 432 492 597 676 541 612 13,000-13,999 5,200 489 557 440 501 612 693 554 627 14,000-14,999 5,600 498 568 448 511 629 712 570 644 15,000-15,999 6,000 507 578 456 520 644 729 583 660 16,000-16,999 6,400 516 588 464 529 659 746 597 675 17,000-17,999 6,800 525 599 473 539 674 763 610 690 18,000-18,999 7,200 534 609 481 548 690 782 625 707 19,000-19,999 7,600 543 619 489 557 706 800 639 724 20,000-20,999 8,000 553 630 498 567 722 818 653 740 21,000-21,999 8,400 562 641 506 577 737 835 667 755 22,000-22,999 8,800 571 651 514 586 752 852 680 770 23,000-23,999 9,200 580 661 522 595 769 872 696 788 24,000-24,999 9,600 589 671 530 604 784 889 709 804 25,000-25,999 10,000 599 683 539 615 800 907 724 820 26,000-26,999 10,400 608 693 547 624 815 924 737 835 27,000-27,999 10,800 617 703 555 633 831 942 751 851 28,000-28,999 11,200 626 714 563 643 847 961 766 868 29,000-29,999 11,600 635 724 572 652 862 978 779 884 30,000-30,999 12,000 644 734 580 661 877 995 793 899 31,000-31,999 12,000 649 740 584 666 883 1,002 798 905 32,000-32,999 12,000 654 746 589 671 888 1,007 803 910 33,000-33,999 12,000 658 750 592 675 893 1,013 807 915 34,000-34,999 12,000 664 757 598 681 898 1,019 812 921 35,000-35,999 12,000 668 762 601 686 904 1,026 817 927 36,000-36,999 12,000 673 767 606 690 909 1,031 822 931 37,000-37,999 12,000 678 773 610 696 913 1,036 825 936 38,000-38,999 12,000 683 779 615 701 919 1,043 831 942 39,000-39,999 12,000 688 784 619 706 925 1,050 836 949 40,000-40,999 12,000 693 790 624 711 930 1,055 841 953 41,000-41,999 12,000 697 795 627 716 934 1,060 844 958 42,000-42,999 12,000 703 801 633 721 940 1,067 850 964 43,000-43,999 12,000 707 806 636 725 945 1,072 854 968 44,000-44,999 12,000 712 812 641 731 951 1,079 859 975 45,000-45,999 12,000 717 817 645 735 955 1,084 863 979 46,000-46,999 12,000 722 823 650 741 961 1,091 868 985 47,000-47,999 12,000 727 829 654 746 966 1,096 873 990 48,000-48,999 12,000 731 833 658 750 972 1,103 878 996 49,000-49,999 12,000 736 839 662 755 976 1,108 882 1,001 50,000-50,999 12,000 741 845 667 761 982 1,115 887 1,007 51,000-51,999 12,000 746 850 671 765 987 1,120 892 1,012 52,000-52,999 12,000 751 856 676 770 993 1,127 897 1,018 53,000-53,999 12,000 756 862 680 776 997 1,132 901 1,022 54,000-54,999 12,000 761 868 685 781 1,002 1,137 905 1,027 55,000-55,999 12,000 766 873 689 786 1,008 1,144 911 1,033 56,000-56,999 12,000 770 878 693 790 1,012 1,149 914 1,038 57,000-57,999 12,000 775 884 698 796 1,018 1,156 920 1,044 58,000-58,999 12,000 780 889 702 800 1,023 1,161 924 1,048 59,000-59,999 12,000 785 895 707 806 1,029 1,168 930 1,055 60,000-60,999 12,000 790 901 711 811 1,033 1,173 933 1,059 61,000-61,999 12,000 795 906 716 815 1,039 1,180 939 1,066 62,000-62,999 12,000 800 912 720 821 1,044 1,185 943 1,070 63,000-63,999 12,000 805 918 725 826 1,050 1,192 949 1,076 64,000-64,999 12,000 809 922 728 830 1,054 1,197 952 1,081 65,000-65,999 12,000 814 928 733 835 1,059 1,202 957 1,085 66,000-66,999 12,000 819 934 737 841 1,065 1,209 962 1,092 67,000-67,999 12,000 824 939 742 845 1,071 1,216 967 1,098 68,000-68,999 12,000 829 945 746 851 1,075 1,221 971 1,102 69,000-69,999 12,000 834 951 751 856 1,080 1,226 976 1,107 70,000-70,999 12,000 839 956 755 860 1,086 1,233 981 1,113 Add'l Rate Per $1,000: $4.56 $5.20 $4.10 $4.68 $5.53 $6.30 $4.98 $5.67 6

TEXAS MOBILE HOME PROGRAM L.O.B. 37 Rates Include: $500 Unattached Adjacent Structures, Personal Effects in Amount Shown, $50,000 Personal Liability, $500 Med Pay, Agreed Value Flood Coverage Included Deductibles: Territory 3 - $250 All Other Perils / $500 Wind, Hail and Flood Territory 4 - $250 All Other Perils / $500 Wind, Hail and Flood Territory 3 Territory 4 Mobile Home Value Personal Effects Insured under 50 years of age Insured over 50 years of age Insured under 50 years of age Insured over 50 years of age In Park Out of Park In Park Out of Park In Park Out of Park In Park Out of Park $5,000 - $5,999 $2,000 $385 $434 $350 $394 $491 $555 $445 $503 6,000-6,999 2,400 399 450 363 409 522 590 473 535 7,000-7,999 2,800 413 466 375 423 552 624 500 565 8,000-8,999 3,200 426 481 387 436 580 656 526 594 9,000-9,999 3,600 441 498 400 452 611 692 553 626 10,000-10,999 4,000 453 512 411 464 641 726 580 657 11,000-11,999 4,400 463 523 420 474 652 738 590 668 12,000-12,999 4,800 474 535 430 485 665 753 602 681 13,000-13,999 5,200 484 547 439 496 676 766 612 693 14,000-14,999 5,600 495 559 449 507 688 779 623 705 15,000-15,999 6,000 505 571 458 517 700 793 634 717 16,000-16,999 6,400 515 582 467 527 712 807 644 730 17,000-17,999 6,800 526 595 477 539 723 819 654 741 18,000-18,999 7,200 536 606 486 549 736 834 666 754 19,000-19,999 7,600 548 620 497 562 747 847 676 766 20,000-20,999 8,000 558 631 506 571 760 862 688 779 21,000-21,999 8,400 563 637 510 577 770 873 697 789 22,000-22,999 8,800 568 643 515 582 781 885 706 800 23,000-23,999 9,200 571 646 517 585 790 896 715 810 24,000-24,999 9,600 576 652 522 590 801 908 724 821 25,000-25,999 10,000 581 657 526 595 811 920 733 832 26,000-26,999 10,400 586 663 531 600 822 932 743 842 27,000-27,999 10,800 590 668 535 605 832 944 752 853 28,000-28,999 11,200 595 673 539 609 843 956 762 864 29,000-29,999 11,600 600 679 544 615 854 969 772 876 30,000-30,999 12,000 605 685 548 620 863 979 780 885 31,000-31,999 12,000 606 686 549 621 868 985 785 890 32,000-32,999 12,000 609 689 552 624 873 990 789 895 33,000-33,999 12,000 611 692 553 626 876 994 792 898 34,000-34,999 12,000 614 695 556 629 881 999 796 903 35,000-35,999 12,000 616 697 558 631 886 1,005 801 908 36,000-36,999 12,000 619 701 561 634 890 1,010 805 913 37,000-37,999 12,000 621 703 562 636 895 1,015 809 917 38,000-38,999 12,000 624 706 565 639 900 1,021 814 922 39,000-39,999 12,000 625 708 566 641 903 1,025 816 926 40,000-40,999 12,000 628 711 569 643 908 1,030 821 931 41,000-41,999 12,000 630 713 571 645 913 1,036 825 936 42,000-42,999 12,000 633 717 573 649 917 1,040 829 940 43,000-43,999 12,000 635 719 575 651 922 1,046 833 945 44,000-44,999 12,000 638 722 578 653 925 1,050 836 949 45,000-45,999 12,000 640 725 580 656 930 1,055 841 953 46,000-46,999 12,000 643 728 582 659 935 1,061 845 958 47,000-47,999 12,000 644 729 583 660 940 1,067 850 964 48,000-48,999 12,000 646 732 585 662 944 1,071 853 967 49,000-49,999 12,000 649 735 588 665 948 1,076 857 972 50,000-50,999 12,000 651 737 589 667 952 1,080 860 976 51,000-51,999 12,000 654 741 592 670 957 1,086 865 981 52,000-52,999 12,000 656 743 594 672 962 1,092 869 986 53,000-53,999 12,000 659 746 597 675 967 1,097 874 991 54,000-54,999 12,000 660 748 598 677 970 1,101 877 994 55,000-55,999 12,000 663 751 600 679 975 1,107 881 1,000 56,000-56,999 12,000 665 753 602 681 979 1,111 885 1,003 57,000-57,999 12,000 668 757 605 685 984 1,117 889 1,009 58,000-58,999 12,000 670 759 607 687 989 1,123 894 1,014 59,000-59,999 12,000 673 762 609 689 992 1,126 896 1,017 60,000-60,999 12,000 675 765 611 692 997 1,132 901 1,022 61,000-61,999 12,000 678 768 614 695 1,000 1,135 904 1,025 62,000-62,999 12,000 679 769 615 696 1,003 1,139 906 1,029 63,000-63,999 12,000 681 771 616 697 1,006 1,142 909 1,031 64,000-64,999 12,000 684 775 619 701 1,010 1,147 913 1,036 65,000-65,999 12,000 686 777 621 703 1,013 1,150 915 1,039 66,000-66,999 12,000 689 781 624 706 1,014 1,151 916 1,039 67,000-67,999 12,000 691 783 625 708 1,018 1,156 920 1,044 68,000-68,999 12,000 694 786 628 711 1,021 1,159 922 1,047 69,000-69,999 12,000 696 789 630 714 1,024 1,162 925 1,049 70,000-70,999 12,000 698 791 632 715 1,027 1,166 928 1,053 Add'l Rate Per $1,000: $3.28 $3.74 $2.95 $3.37 $3.72 $4.24 $3.35 $3.82 7

TEXAS MOBILE HOME PROGRAM L.O.B. 37 Rates Include: $500 Unattached Adjacent Structures, Personal Effects in Amount Shown, $50,000 Personal Liability, $500 Med Pay, Agreed Value Flood Coverage Included Deductibles: Territory 5 - $250 All Other Perils / $500 Wind, Hail and Flood ** Territory 6 - $250 All Other Perils / $500 Wind, Hail and Flood ** ** (Dallas, Johnson, Parker & Tarrant Counties: $250 AOP/$500 Wind & Flood/$1,000 Hail) Mobile Home Value Personal Effects Territory 5 Territory 6 Insured under 50 years of age Insured over 50 years of age Insured under 50 years of age Insured over 50 years of age In Park Out of Park In Park Out of Park In Park Out of Park In Park Out of Park $5,000 - $5,999 $2,000 $416 $469 $378 $426 $462 $522 $419 $473 6,000-6,999 2,400 437 493 397 447 482 545 437 494 7,000-7,999 2,800 460 520 418 472 503 569 456 516 8,000-8,999 3,200 482 545 437 494 524 592 475 536 9,000-9,999 3,600 503 569 456 516 545 616 494 558 10,000-10,999 4,000 525 594 476 538 566 640 513 580 11,000-11,999 4,400 535 605 485 548 585 662 530 599 12,000-12,999 4,800 543 614 492 556 605 685 548 620 13,000-13,999 5,200 552 624 500 565 625 708 566 641 14,000-14,999 5,600 560 634 508 574 644 729 583 660 15,000-15,999 6,000 570 645 517 584 664 752 601 680 16,000-16,999 6,400 578 654 524 592 683 774 618 700 17,000-17,999 6,800 586 663 531 600 703 797 636 721 18,000-18,999 7,200 595 673 539 609 723 819 654 741 19,000-19,999 7,600 604 684 547 619 742 841 671 760 20,000-20,999 8,000 613 694 555 628 762 864 689 781 21,000-21,999 8,400 618 700 560 634 766 868 693 785 22,000-22,999 8,800 621 703 562 636 771 874 697 790 23,000-23,999 9,200 626 709 567 642 776 880 702 796 24,000-24,999 9,600 631 714 571 646 782 887 707 802 25,000-25,999 10,000 635 719 575 651 786 891 711 805 26,000-26,999 10,400 639 724 579 655 791 897 715 811 27,000-27,999 10,800 643 728 582 659 796 903 720 816 28,000-28,999 11,200 648 734 587 664 801 908 724 821 29,000-29,999 11,600 653 740 591 670 805 913 728 825 30,000-30,999 12,000 656 743 594 672 811 920 733 832 31,000-31,999 12,000 660 748 598 677 813 922 735 833 32,000-32,999 12,000 663 751 600 679 816 925 738 836 33,000-33,999 12,000 667 755 604 683 818 928 740 839 34,000-34,999 12,000 670 759 607 687 821 931 742 841 35,000-35,999 12,000 673 762 609 689 824 934 745 844 36,000-36,999 12,000 676 766 612 693 825 936 746 846 37,000-37,999 12,000 680 770 616 697 828 939 749 849 38,000-38,999 12,000 683 774 618 700 830 941 751 850 39,000-39,999 12,000 687 778 622 704 833 945 753 854 40,000-40,999 12,000 689 781 624 706 835 947 755 856 41,000-41,999 12,000 693 785 627 710 838 950 758 859 42,000-42,999 12,000 696 789 630 714 841 954 760 862 43,000-43,999 12,000 700 793 634 717 842 955 761 863 44,000-44,999 12,000 703 797 636 721 845 958 764 866 45,000-45,999 12,000 705 799 638 723 847 961 766 868 46,000-46,999 12,000 709 803 642 726 850 964 769 871 47,000-47,999 12,000 712 807 644 730 852 966 770 873 48,000-48,999 12,000 716 811 648 733 855 970 773 877 49,000-49,999 12,000 719 815 651 737 858 973 776 879 50,000-50,999 12,000 722 818 653 740 860 976 778 882 51,000-51,999 12,000 725 822 656 743 862 978 779 884 52,000-52,999 12,000 729 826 660 747 864 980 781 886 53,000-53,999 12,000 732 830 662 751 867 983 784 888 54,000-54,999 12,000 736 834 666 754 869 986 786 891 55,000-55,999 12,000 739 838 669 758 872 989 788 894 56,000-56,999 12,000 742 841 671 760 875 993 791 897 57,000-57,999 12,000 745 844 674 763 877 995 793 899 58,000-58,999 12,000 749 849 678 768 880 998 796 902 59,000-59,999 12,000 752 852 680 770 881 999 796 903 60,000-60,999 12,000 756 857 684 775 884 1,003 799 906 61,000-61,999 12,000 758 859 686 777 887 1,006 802 909 62,000-62,999 12,000 762 864 689 781 889 1,009 804 912 63,000-63,999 12,000 765 867 692 784 892 1,012 806 914 64,000-64,999 12,000 769 872 696 788 894 1,014 808 916 65,000-65,999 12,000 772 875 698 791 897 1,018 811 920 66,000-66,999 12,000 774 877 700 793 900 1,021 814 922 67,000-67,999 12,000 778 882 704 797 901 1,022 814 923 68,000-68,999 12,000 781 885 706 800 904 1,026 817 927 69,000-69,999 12,000 785 890 710 805 906 1,028 819 929 70,000-70,999 12,000 788 893 713 807 909 1,031 822 931 Add'lRatePer$1,000: $3.07 $3.50 $2.76 $3.15 $3.07 $3.50 $2.76 $3.15 8

TEXAS MOBILE HOME PROGRAM L.O.B. 37 Rates Include: 10% Unattached Adjacent Structures, Personal Effects in Amount Shown, $100,000 Personal Liability, $500 Med Pay, Agreed Value Flood Coverage Included Deductibles: Territory 7 - $250 All Other Perils / $500 Hail Territory 8 - $250 All Other Perils / $500 Wind, Hail and Flood Territory 7 Territory 8 Mobile Home Value Personal Effects Insured under 50 years of age Insured over 50 years of age Insured under 50 years of age Insured over 50 years of age In Park Out of Park In Park Out of Park In Park Out of Park In Park Out of Park $5,000 - $5,999 $2,500 $300 $337 $274 $307 $372 $530 $338 $481 6,000-6,999 3,000 311 350 283 319 386 551 351 499 7,000-7,999 3,500 324 364 295 331 399 570 363 517 8,000-8,999 4,000 336 378 306 344 413 591 375 535 9,000-9,999 4,500 348 392 317 356 429 614 390 556 10,000-10,999 5,000 360 406 328 369 443 635 402 575 11,000-11,999 5,500 372 419 338 381 457 655 415 593 12,000-12,999 6,000 385 434 350 394 471 676 427 612 13,000-13,999 6,500 397 448 361 407 486 698 441 632 14,000-14,999 7,000 409 461 372 418 500 719 454 651 15,000-15,999 7,500 421 475 382 431 514 739 466 669 16,000-16,999 8,000 434 490 394 445 528 760 479 688 17,000-17,999 8,500 445 502 404 455 542 780 491 706 18,000-18,999 9,000 457 516 415 468 557 802 505 725 19,000-19,999 9,500 469 530 426 481 571 823 517 744 20,000-20,999 10,000 481 543 436 492 585 844 530 763 21,000-21,999 10,500 494 558 448 506 596 860 540 778 22,000-22,999 11,000 506 572 459 518 609 879 552 795 23,000-23,999 11,500 518 586 470 531 620 895 562 809 24,000-24,999 12,000 530 599 481 543 633 914 573 826 25,000-25,999 12,500 543 614 492 556 645 932 584 842 26,000-26,999 13,000 554 627 502 568 656 948 594 857 27,000-27,999 13,500 566 640 513 580 669 967 606 874 28,000-28,999 14,000 578 654 524 592 680 983 616 888 29,000-29,999 14,500 591 669 535 606 692 1,001 626 904 30,000-30,999 15,000 603 683 546 618 704 1,018 637 920 31,000-31,999 15,500 605 685 548 620 707 1,023 640 924 32,000-32,999 16,000 606 686 549 621 711 1,029 643 930 33,000-33,999 16,500 608 688 551 623 714 1,033 646 933 34,000-34,999 17,000 611 692 553 626 718 1,039 650 939 35,000-35,999 17,500 613 694 555 628 722 1,045 653 944 36,000-36,999 18,000 615 696 557 630 726 1,051 657 949 37,000-37,999 18,500 617 698 559 632 728 1,054 659 952 38,000-38,999 19,000 619 701 561 634 732 1,060 662 958 39,000-39,999 19,500 621 703 562 636 736 1,065 666 962 40,000-40,999 20,000 623 705 564 638 740 1,071 670 967 41,000-41,999 20,500 625 708 566 641 744 1,077 673 973 42,000-42,999 21,000 627 710 568 643 746 1,080 675 976 43,000-43,999 21,500 629 712 570 644 750 1,086 679 981 44,000-44,999 22,000 631 714 571 646 754 1,092 682 986 45,000-45,999 22,500 633 717 573 649 758 1,098 686 992 46,000-46,999 23,000 635 719 575 651 761 1,102 688 995 47,000-47,999 23,500 638 722 578 653 764 1,107 691 1,000 48,000-48,999 24,000 639 724 579 655 768 1,113 695 1,005 49,000-49,999 24,500 641 726 580 657 772 1,118 698 1,010 50,000-50,999 25,000 643 728 582 659 775 1,123 701 1,014 51,000-51,999 25,500 645 730 584 661 779 1,129 705 1,020 52,000-52,999 26,000 647 733 586 663 780 1,130 706 1,021 53,000-53,999 26,500 650 736 589 666 783 1,135 708 1,025 54,000-54,999 27,000 652 738 590 668 786 1,139 711 1,029 55,000-55,999 27,500 654 741 592 670 788 1,142 713 1,031 56,000-56,999 28,000 655 742 593 671 791 1,146 715 1,035 57,000-57,999 28,600 657 744 595 673 793 1,149 717 1,038 58,000-58,999 29,000 659 746 597 675 796 1,154 720 1,042 59,000-59,999 29,500 661 749 598 678 798 1,157 722 1,045 60,000-60,999 30,000 664 752 601 680 800 1,160 724 1,048 61,000-61,999 30,500 666 754 603 682 802 1,162 725 1,049 62,000-62,999 31,000 668 757 605 685 805 1,167 728 1,054 63,000-63,999 31,500 669 758 606 686 807 1,170 730 1,057 64,000-64,999 32,000 671 760 607 688 810 1,174 733 1,060 65,000-65,999 32,500 673 762 609 689 812 1,177 734 1,063 66,000-66,999 33,000 675 765 611 692 815 1,182 737 1,067 67,000-67,999 33,500 678 768 614 695 817 1,185 739 1,070 68,000-68,999 34,000 680 770 616 697 819 1,187 741 1,072 69,000-69,999 34,500 682 773 617 699 821 1,190 742 1,075 70,000-70,999 35,000 684 775 619 701 824 1,195 745 1,079 Add'lRatePer$1,000: $2.32 $2.64 $2.09 $2.38 $3.21 $4.72 $2.89 $4.25 9

SPECIAL MOBILE HOMEOWNERS PROGRAM L.O.B. 37 PROPERTY COVERAGE INCREASES UNATTACHED STRUCTURES (INCREASED LIMITS): The limit for Unattached Adjacent Structures may be increased. The rates per $100 are: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 $1.20 $1.95 $1.70 $2.40 $2.10 $2.10 PERSONAL EFFECTS (INCREASED LIMITS): The limit for Personal Effects may be increased. The rates per $100 are: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 $1.30 $1.00 $1.00 $1.00 $1.00 $1.00 LIABILITY COVERAGE OPTIONS PERSONAL LIABILITY: Limit of Liability Territory 1-6 Territory 7 & 8 To Delete CPL $15 Credit $30 Credit $ 25,000 $ 6 Credit $15 Credit $ 50,000 Included $10 Credit $100,000 $10 Included $300,000 $20 $20 MEDICAL PAYMENTS TO OTHERS: Limit of Liability $ 500 Included $1,000 $5 OPTIONAL COVERAGES MOBILE HOME REPLACEMENT COST COVERAGE: $10.00 Available on Mobile Homes 0-10 years old. PERSONAL EFFECTS REPLACEMENT COST COVERAGE, per $100 of coverage: $ 0.30 A minimum written premium of $25 applies to this coverage. TRIP COVERAGE: This coverage is available for 30 days and is fully earned. A $100 deductible applies. Singlewide $ 50.00 Doublewide $100.00 LENDER'S INTEREST PROTECTION COVERAGE: $ 15.00 This coverage is only available on Mobile Homes with Lienholders. NATURAL DISASTER PROTECTION COVERAGE: $ 5.00 This coverage is only available on Mobile Homes with Lienholders. SCHEDULED PERSONAL PROPERTY COVERAGE, per $100 of coverage: $ 2.50 SATELLITE SYSTEM COVERAGE, per $100 of coverage: $ 5.00 Includes Satellite dishes and all interior and exterior auxiliary equipment. Maximum coverage allowed is $5,000. FLOOD COVERAGE: To delete flood coverage (not available in territory 1), subtract $ 35.00 ENHANCEMENT COVERAGE: $ 20.00 Limited Personal Effects categories are increased by purchasing this endorsement. In addition limits for Add'l Living Expense, Debris Removal, Emergency Removal, Fire Department Service Charge, Radio and Television Antenna, Tree, Shrubs, Plants and Lawns, Tie Downs, Claim Expenses, and Damage to Property to Others are increased. ADDITIONAL RESIDENCE PREMISES LIABILITY: Limits must match Personal Liability limits. Premium is per each additional insured premises. Limit of Liability Secondary Rented to Others $ 25,000 $15 $28 $ 50,000 $20 $32 $100,000 $25 $35 $300,000 $35 $45 Medical Payments To Others: $ 500 (When Additional Residence Premises coverage is purchased) Included $1,000 $ 5 GOLF CART COVERAGE: $100 Deductible $35 CREDITS/SURCHARGES DEDUCTIBLE OPTIONS: Deductible Territory 1* Territory 2 Territory 3 Territory 4 Territory 5** Territory 6** Territory 7 Territory 8 $500 All Perils Credit: $15 N/A $15 $15 $15 $15 $15 $15 $500 AOP, $1,000 Wind, Hail & Flood Credit: N/A $20 $25 $25 $25 $25 $25 $25 $1,000 All Perils Credit: $25 $25 $30 $30 $30 $30 $35 $30 * Wind, Hurricane and Hail coverage is excluded ** Dallas, Johnson, Parker and Tarrant Counties: Credit $15 for $1,000 All Peril Deductible Option Only AGE OF HOME SURCHARGE: 10% This surcharge will apply to homes manufactured 1976 or older. SUPPLEMENTAL HEATING SURCHARGE: $40 This surcharge applies to mobile homes with wood, coal or pellet heating units, or any heating unit not installed by the manufacturer. 10

ALL PURPOSE PROGRAM L.O.B. 48 (Rental and Commercial Units) PROPERTY COVERAGE COMPREHENSIVE MOBILE HOME COVERAGE: The rates per $100: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 $2.65 $2.10 $1.85 $2.10 $1.85 $1.85 $1.85 $1.85 NAMED PERILS MOBILE HOME COVERAGE: The rates per $100: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 $2.40 $1.90 $1.65 $1.90 $1.65 $1.65 $1.65 $1.65 COMPREHENSIVE UNATTACHED ADJACENT STRUCTURES COVERAGE: The rates per $100: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 $2.65 $2.10 $1.85 $2.10 $1.85 $1.85 $1.85 $1.85 NAMED PERILS UNATTACHED ADJACENT STRUCTURES COVERAGE: The rates per $100: Territory 1 Territory 2 Territory 3 Territory 4 Territory 5 Territory 6 Territory 7 Territory 8 $2.40 $1.90 $1.65 $1.90 $1.65 $1.65 $1.65 $1.65 NAMED PERILS PERSONAL EFFECTS COVERAGE, per $100 of coverage: $1.00 APPLICABLE DEDUCTIBLES: Territory Deductible Territory Deductible 1 $250 All Perils (Wind, Hurricane and Hail Excluded) 5* $250 All Other Perils / $500 Wind, Hail & Flood 2 $250 All Other Perils / $1,000 Wind, Hail & Flood 6* $250 All Other Perils / $500 Wind, Hail & Flood 3 $250 All Other Perils / $500 Wind, Hail & Flood 7 $250 All Other Perils / $500 Hail 4 $250 All Other Perils / $500 Wind, Hail & Flood 8 $250 All Other Perils / $500 Wind, Hail & Flood *Deductible in counties of Dallas, Johnson, Parker and Tarrant will be $250 All Other Perils / $500 Wind & Flood / $1,000 Hail PROPERTY COVERAGE (Continued) LENDER'S INTEREST PROTECTION COVERAGE: $15 This coverage is only available on Mobile Homes with Lienholders. The premium is fully earned. NATURAL DISASTER PROTECTION COVERAGE: $5 This coverage is only available on Mobile Homes with Lienholders. The premium is fully earned. TRIP COVERAGE: This coverage is available for 30 days and is fully earned. Singlewide $50 Doublewide $100 FLOOD COVERAGE: This coverage is not available in Territory 1. $35 GOLF CART COVERAGE: $100 Deductible $35 LIABILITY COVERAGE OWNER/LANDLORD LIABILITY: Includes $500 Medical Payments Coverage. Limit of Liability $ 25,000 $25 $ 50,000 $28 $100,000 $31 CREDITS/SURCHARGES AGE OF HOME SURCHARGE: 10% This surcharge will apply to homes manufactured 1976 or older. SUPPLEMENTAL HEATING SURCHARGE: $40 This surcharge applies to mobile homes with wood, coal or pellet heating units, or any heating unit not installed by the manufacturer. 11