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001213544

1760-818 19-527

WILLIAM PENN HOUSE 515 E CAPITOL ST SE

WASHINGTON DC 20003

CORPORATE ID:

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POLICY NUMBER 1760-818 - ARC

FIRST NAMED INSURED PRODUCER 19-527

PHONE (301) 855-9393 WILLIAM PENN HOUSE AMERICAN INS MARKETING CORP

515 E CAPITOL ST SE 301 STEEPLE CHASE DR STE 106 WASHINGTON DC 20003 PRINCE FREDERICK MD 20678

WWW.AmericanInsMarketingCorp.GuideOne.com ADMIN 14-666

POLICY PERIOD: FROM 06/01/13 TO 06/01/14

--- VALUABLE - ATTACH THIS CERTIFICATE TO YOUR POLICY.

--- THIS POLICY IS RENEWED FOR THE PERIOD SHOWN ABOVE IN RETURN FOR THE PAYMENT OF THE TOTAL PREMIUM SHOWN ON THE COMMON POLICY DECLARATIONS, SUBJECT TO ALL THE TERMS OF THIS POLICY. THE POLICY IS BEING RENEWED IN ACCORDANCE WITH RATES AND RULES IN EFFECT ON THE DATE OF RENEWAL.

ATTACHED TO AND MADE A PART OF THIS CERTIFICATE ARE COMMON POLICY DECLARATIONS AND CONDITIONS, BUSINESS AUTO COVERAGE PART DECLARATIONS AND SUPPLEMENTS, AND CURRENT EDITIONS OF FORMS IF DIFFERENT FROM THE PREVIOUS POLICY PERIOD. THIS CERTIFICATE HAS THE SAME EFFECT AS WRITING A NEW POLICY. COVERAGE OF THIS

RENEWAL WILL BE BROADENED IN ACCORDANCE WITH THE LIBERALIZATION CONDITION OF THE POLICY BEING RENEWED.

INFORMATION SUCH AS CLASSES, LIMITS OR EXPOSURES IS THE SAME FOR THIS RENEWAL PERIOD AS FOR THE PREVIOUS PERIOD UNLESS OTHERWISE SPECIFIED. CHANGES, IF ANY, ARE SHOWN ON THE COVERAGE PART DECLARATIONS OR SUPPLEMENTS.

---

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ORIGINAL COPY

B U S I N E S S A U T O

C O M M O N P O L I C Y D E C L A R A T I O N S A N N U A L R E N E W A L C E R T I F I C A T E

POLICY NUMBER 1760-818 - ARC

FIRST NAMED INSURED PRODUCER 19-527

PHONE (301) 855-9393 WILLIAM PENN HOUSE AMERICAN INS MARKETING CORP

515 E CAPITOL ST SE 301 STEEPLE CHASE DR STE 106 WASHINGTON DC 20003 PRINCE FREDERICK MD 20678

WWW.AmericanInsMarketingCorp.GuideOne.com ADMIN 14-666

POLICY PERIOD: FROM 06/01/13 TO 06/01/14

AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE.

--- IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL TERMS OF THIS

POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.

--- THIS POLICY CONSISTS OF THE FOLLOWING COVERAGES PARTS FOR WHICH A PREMIUM IS

INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT.

---

BUSINESS AUTO COVERAGE PART $1,479.00

FORMS APPLICABLE: CA0001/0310 CA0140/0994 CA0263/0697

CA2149/0309 CA2251/0994 CA2384/0106 CA2402/1293 IL0003/0908 IL0021/0908 PCA9223/0493 PIL7200/0193 PCA9227/0493

PCA9230/0493 PCA9231/0493 PCA9232/0704

ESTIMATED TOTAL PREMIUM $1,479.00

COUNTERSIGNED 04/22/13 BY _____________________________________

(DATE) (AUTHORIZED REPRESENTATIVE)

---

GuideOne Insurance GuideOne Mutual

1111 ASHWORTH ROAD Insurance Company

WEST DES MOINES, IOWA 50265-3538 (515) 267-5000

04/22/13 PJDL 91 00 04 93 PAGE 2

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--- ITEM ONE. NAMED INSURED AND GENERAL POLICY INFORMATION.

--- POLICY EFFECTIVE - 06/01/13 POLICY NUMBER 1760-818 - ARC

NAMED INSURED - WILLIAM PENN HOUSE

FORM OF NAMED INSURED"S BUSINESS - CORPORATION

--- ITEM TWO. SCHEDULE OF COVERAGES AND COVERED AUTOS.

--- THIS POLICY PROVIDES ONLY THOSE COVERAGES WHERE A CHARGE IS SHOWN IN THE PREMIUM COLUMN BELOW. EACH OF THESE COVERAGES WILL APPLY ONLY TO THOSE AUTOS SHOWN AS COVERED AUTOS. AUTOS ARE SHOWN AS COVERED AUTOS FOR A PARTICULAR COVERAGE BY THE ENTRY OF ONE OR MORE OF THE SYMBOLS FROM THE COVERED AUTOS SECTION OF THE BUSINESS AUTO COVERAGE FORM NEXT TO THE NAME OF THE COVERAGE. REFER TO SECTION I OF BUSINESS AUTO COVERAGE FORM CA 00 01 FOR DESCRIPTION OF COVERED AUTOS.

COVERAGES COVERED LIMITS PREMIUM

AUTOS (THE MOST WE WILL PAY FOR ANY ONE ACCIDENT OR LOSS)

LIABILITY --- 1 $1,000,000--CSL--- $943.00 PERSONAL INJURY PROTECTION 5 SEE PIP ENDORSEMENT--- $53.00 AUTO MEDICAL PAYMENTS INS. - NO COVERAGE PROVIDED --- NIL UNINSURED MOTORIST INS. --- 6 $1,000,000--- $108.00 UNINSURED MOTORIST INS. PD 6 INCLUDED IN UNINS. MOTORIST --- INCL UNDERINS. MOTORIST INS. --- 6 $1,000,000--- $91.00 UNDERINS. MOTORIST INS. PD- 6 INCLUDED IN UNINS. MOTORIST --- INCL COMPREHENSIVE --- 8 NO COVERAGE PROVIDED --- NIL COLLISION --- 8 NO COVERAGE PROVIDED --- NIL TOWING AND LABOR --- - NO COVERAGE PROVIDED --- NIL ________________________________________________

PREMIUM FOR OTHER COVERAGES $284.00 ESTIMATED TOTAL PREMIUM $1,479.00

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ORIGINAL COPY

B U S I N E S S A U T O

C O V E R A G E P A R T D E C L A R A T I O N S P A G E

POLICY EFFECTIVE - 06/01/13 POLICY NUMBER 1760-818 - ARC NAMED INSURED - WILLIAM PENN HOUSE

--- ITEM THREE. SCHEDULE OF COVERED AUTOS YOU OWN:

--- SCHEDULED VEHICLES ARE GARAGED IN THE CITY AND STATE SHOWN ON THE COMMON POLICY DECLARATIONS UNLESS INDICATED BY AN * BELOW. SEE SCHEDULE FOR ALTERNATE GARAGE LOCATIONS.

--- AUTO YR VEHICLE DESCRIPTION/ ORIGINAL STATE CLASS DEDUCTIBLES

VEHICLE IDENTIFICATION PS TYP COST NEW TERR COMP COLL

002 00 FORD FOCUS SE $20,000 DC-001 7391 *** ***

VIN 1FAFP3437YW257988

*PS=SEATING CAPACITY TYP=VEHICLE TYPE *** NO COVERAGE IS PROVIDED. --- PREMIUMS:

AUTO LIAB PIP MED UM UM UIM UIM COMP COLL T&L TOTAL

PAY PD PD PREMIUM

002 $943 $53 NIL $108 INCL $91 INCL NIL NIL NIL $1,195

04/22/13 PCA 92 00 04 93 PAGE 4

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POLICY EFFECTIVE - 06/01/13 POLICY NUMBER 1760-818 - ARC NAMED INSURED - WILLIAM PENN HOUSE

--- ITEM FOUR. SCHEDULE OF HIRED OR BORROWED COVERED AUTO COVERAGE AND PREMIUMS. ---

LIABILITY INSURANCE - RATING BASIS, COST OF HIRE

RATES PER MINIMUM STATE ESTIMATED COST OF HIRE EACH $100 PREMIUM APPLIES

DC INCL N/A $56

TOTAL PREMIUM $56

COST OF HIRE MEANS THE TOTAL AMOUNT YOU INCUR FOR THE HIRE OF AUTOS YOU DON"T OWN (NOT INCLUDING AUTOS YOU BORROW OR RENT FROM YOUR EMPLOYEES OR THEIR FAMILY MEMBERS). COST OF HIRE DOES NOT INCLUDE CHARGES FOR SERVICES PERFORMED BY MOTOR CARRIERS OF PROPERTY OR PASSENGERS.

--- ITEM FIVE. SCHEDULE FOR NON-OWNERSHIP LIABILITY

--- NAMED INSURED"S BUSINESS RATING BASIS NUMBER PREMIUM

OTHER THAN A SOCIAL NUMBER OF EMPLOYEES 8 $107 SERVICE AGENCY

SOCIAL SERVICE AGENCY NUMBER OF EMPLOYEES NONE NIL NUMBER OF VOLUNTEERS NONE NIL TOTAL PREMIUM $107

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ORIGINAL COPY

B U S I N E S S A U T O

C O V E R A G E P A R T D E C L A R A T I O N S P A G E

POLICY EFFECTIVE - 06/01/13 POLICY NUMBER 1760-818 - ARC NAMED INSURED - WILLIAM PENN HOUSE

--- ENDORSEMENT SCHEDULES.

--- CA2149/0309 -

DISTRICT OF COLUMBIA UNINSURED MOTORISTS COVERAGE SCHEDULE

LIMIT OF INSURANCE

$ 1,000,000 EACH "ACCIDENT"

THE DEFINITION OF "UNINSURED MOTOR VEHICLE" IN THIS ENDORSEMENT APPLIES IN ITS ENTIRETY UNLESS AN "X" IS ENTERED BELOW:

___ IF AN "X" IS ENTERED IN THIS BOX, PARAGRAPH B. OF

"UNINSURED MOTOR VEHICLE" DOES NOT APPLY.

--- CA2251/0994 -

DISTRICT OF COLUMBIA - PERSONAL INJURY PROTECTION COVERAGE

SCHEDULE

BENEFITS LIMIT PER PERSON

MEDICAL EXPENSE UP TO $50,000

FUNERAL EXPENSE UP TO $ 4,000

WORK LOSS CONSISTING OF LOSS OF

INCOME AND REPLACEMENT SERVICES UP TO $12,000 EXCLUSION OF MEDICAL EXPENSE BENEFITS:

___ IF AN "X" IS ENTERED HERE, MEDICAL EXPENSE BENEFITS DO NOT APPLY.

EXCLUSION OF FUNERAL EXPENSE BENEFITS:

___ IF AN "X" IS ENTERED HERE, FUNERAL EXPENSE BENEFITS DO NOT APPLY.

EXCLUSION OF WORK LOSS BENEFITS:

___ IF AN "X" IS ENTERED HERE, WORK LOSS BENEFITS DO NOT APPLY.

INCREASED MEDICAL EXPENSE BENEFITS:

_X_ IF AN "X" IS ENTERED HERE, THE LIMIT PER PERSON SHOWN ABOVE FOR MEDICAL EXPENSE IS CHANGED TO UP TO $100,000. INCREASED WORK LOSS BENEFITS:

_X_ IF AN "X" IS ENTERED HERE, THE LIMIT PER PERSON SHOWN ABOVE FOR WORK LOSS IS CHANGED TO UP TO $24,000.

04/22/13 PCA 92 00 04 93 PAGE 6

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POLICY EFFECTIVE - 06/01/13 POLICY NUMBER 1760-818 - ARC NAMED INSURED - WILLIAM PENN HOUSE

--- ENDORSEMENT SCHEDULES.

--- PCA9227/0493 -

INSTITUTIONS -- OTHER THAN SOCIAL SERVICE AGENCIES -- VOLUNTEERS AS INSUREDS

SCHEDULE PREMIUM: INCLUDED

--- PCA9232/0704 -

BUSINESS AUTO POLICY SCHEDULE OF HIRED AUTO COVERAGE AND PREMIUMS

SCHEDULE PHYSICAL DAMAGE COVERAGE

COVERAGES LIMIT OF INS. ESTIMATED RATE PER PREMIUM THE MOST WE COST OF EACH $100

WILL PAY HIRE COST OF

DEDUCTIBLE HIRE

__X__COM- ACTUAL CASH PREHENSIVE VALUE, COST OF

REPAIRS OR

$_40,000_ WHICHEVER IS LESS MINUS

$_500__ DED. FOR EACH COVERED AUTO. BUT NO DEDUCTIBLE APPLIES TO LOSS CAUSED BY FIRE OR LIGHTNING.

_X__COLLISION ACTUAL CASH VALUE, COST OF REPAIRS OR

$_40,000_ WHICHEVER IS LESS, MINUS

$_500__ DED. FOR EACH COVERED AUTO.

TOTAL PREMIUM $_______

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INSTITUTIONS OTHER THAN

SOCIAL SERVICE AGENCIES

VOLUNTEERS AS INSUREDS

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

The following is added to the LIABILITY COVERAGE WHO IS AN INSURED provision:

Anyone volunteering services to you is an "insured" while using a covered "auto" you do not own, lease, hire, rent or borrow in your business. Anyone else who furnishes that "auto" is also an "insured."

Includes copyrighted material of Insurance Services Office, Inc., with its permission. PCA 9227 04 93

Copyright, Insurance Services Office, Inc., 1985 Page 1 of 1

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COVERAGE FOR INSTITUTIONS

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM A. COVERAGE

We will pay reasonable expenses incurred for necessary medical and funeral services to or for an "insured" who sustains "bodily injury" caused by "accident." We will pay only those expenses incurred, for services rendered within three years from the date of the "acci- dent."

B. WHO IS AN INSURED

Anyone "occupying" an "auto" you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your employees or partners or members of their households but only while used in your business or your personal affairs.

C. EXCLUSIONS

This insurance does not apply to any of the following:

1. "Bodily injury" sustained by an "insured" while "occupying" a vehicle located for use as a premises.

2. "Bodily injury" sustained by anyone while

"occupying" any vehicle owned, leased, hired, rented or borrowed by you.

3. "Bodily injury" to your employee arising out of and in the course of employment by you. However, we will cover "bodily injury" to your domestic employees if not entitled to workers’ compensation bene- fits.

4. "Bodily injury" to an "insured" while working in a business of selling, servicing,

repairing, parking or storing "autos" unless that business is yours.

5. "Bodily injury" caused by declared or undeclared war or insurrection or any of their consequences.

6. "Bodily injury" to anyone using a vehicle without a reasonable belief that the per- son is entitled to do so.

D. LIMIT OF INSURANCE

Regardless of the number of covered

"autos," "insureds," premiums paid, claims made or vehicles involved in the "accident," the most we will pay for "bodily injury" for each "insured" injured in any one "accident" is $5,000.

E. CHANGES IN CONDITIONS

The CONDITIONS are changed for AUTO MEDICAL PAYMENTS COVERAGE as fol- lows:

1. The TRANSFER OF RIGHTS OF

RECOVERY AGAINST OTHERS TO US Condition does not apply.

2. The reference in OTHER INSURANCE to

"other collectible insurance" applies only to other collectible auto medical pay- ments insurance.

F. ADDITIONAL DEFINITIONS

The following is added to the DEFINITIONS Section:

"Occupying" means in, upon, getting in, on, out or off.

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HIRED AUTO

EXCESS MEDICAL PAYMENTS

COVERAGE FOR INSTITUTIONS

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM A. COVERAGE

We will pay reasonable expenses incurred for necessary medical and funeral services to or for an "insured" who sustains "bodily injury" caused by "accident." We will pay only those expenses incurred, for services rendered within three years from the date of the "acci- dent."

B. WHO IS AN INSURED

Anyone "occupying an auto" you lease, hire, rent or borrow, or a temporary substitute for an "auto" you lease, hire or rent which is out of service because of its breakdown, repair, servicing, loss or destruction. This does not include any "auto" you lease, hire, rent or borrow from any of your employees or part- ners or members of their households.

C. EXCLUSIONS

This insurance does not apply to any of the following:

1. "Bodily injury" sustained by an "insured" while "occupying" a vehicle located for use as a premises.

2. "Bodily injury" sustained by anyone while

"occupying" any vehicle owned by you or used in connection with your business that you do not lease, hire, rent or borrow. 3. "Bodily injury" to your employee arising out of and in the course of employment by you. However, we will cover "bodily injury" to your domestic employees if not entitled to workers’ compensation bene- fits.

4. "Bodily injury" to an "insured" while working in a business of selling, servicing,

repairing, parking or storing "autos" unless that business is yours.

5. "Bodily injury" caused by declared or undeclared war or insurrection or any of their consequences.

6. "Bodily injury" to anyone using a vehicle without a reasonable belief that the per- son is entitled to do so.

D. LIMIT OF INSURANCE

Regardless of the number of covered

"autos," "insureds," premiums paid, claims made or vehicles involved in the "accident," the most we will pay for "bodily injury" for each "insured" injured in any one "accident" is $5,000.

E. CHANGES IN CONDITIONS

The CONDITIONS are changed for AUTO MEDICAL PAYMENTS COVERAGE as fol- lows:

1. The TRANSFER OF RIGHTS OF

RECOVERY AGAINST OTHERS TO US Condition does not apply.

2. The reference in OTHER INSURANCE to

"other collectible insurance" applies only to other collectible auto medical pay- ments insurance.

F. ADDITIONAL DEFINITIONS

The following is added to the DEFINITIONS Section:

"Occupying" means in, upon, getting in, on, out or off.

Includes copyrighted material of Insurance Services Office, Inc., with its permission. PCA 9231 04 93

Copyright, Insurance Services Office, Inc., 1985 Page 1 of 1

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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM

PHYSICAL DAMAGE COVERAGE

COVERAGES

LIMIT OF INSURANCE THE MOST W E W ILL PAY

DEDUCTIBLE

ESTIMATED COS T OF

HIRE

RATE PER EACH $100 COS T OF HIRE

PREMIUM

COM PREHEN- SIVE

AC TUAL CASH VALUE, COST OF REPAIRS OR

$ W HICHEVER IS LESS MINUS

$ DED. FOR EACH COV ERED AUTO. BUT NO DEDUCTIBLE APPLIES TO LOSS CAUSED BY FIRE OR LIGHTNING. COLLISION

AC TUAL CASH VALUE, COST OF REPAIRS OR

$ W HICHEVER IS LESS, MINUS

$ DED. FOR EACH COV ERED AUTO.

TOTAL

PREMIUM $

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.)

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(Please keep one copy in your vehicle)

19-527 60 R

04/22/13

IMPORTANT

AUTO INSURANCE IDENTIFICATION CARDS

.

GuideOne Mutual Insurance Company GuideOne Mutual Insurance Company

BA1760-818 06/01/13 06/01/14 BA1760-818 06/01/13 06/01/14

00 FORD FOCUS SE 00 FORD FOCUS SE

1FAFP3437YW257988 BI PD PIP 1FAFP3437YW257988 BI PD PIP

WILLIAM PENN HOUSE WILLIAM PENN HOUSE

515 E CAPITOL ST SE 515 E CAPITOL ST SE

WASHINGTON DC 20003 WASHINGTON DC 20003

AMERICAN INS MARKETING CORP 301-855-9393 AMERICAN INS MARKETING CORP 301-855-9393

04/22/13 04/22/13

DISTRICT OF COLUMBIA AUTO INSURANCE IDENTIFICATION CARD DISTRICT OF COLUMBIA AUTO INSURANCE IDENTIFICATION CARD

1111 Ashworth Road West Des Moines, Iowa 50265-3538 1111 Ashworth Road West Des Moines, Iowa 50265-3538

POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE

TO TO

YEAR MAKE/MODEL YEAR MAKE/MODEL

VEHICLE IDENTIFICATION NUMBER COVERAGES VEHICLE IDENTIFICATION NUMBER COVERAGES

INSURED INSURED

YOUR AGENT IS: AGENT PHONE NUMBER: YOUR AGENT IS: AGENT PHONE NUMBER:

SEE REVERSE SIDE FOR IMPORTANT INFORMATION SEE REVERSE SIDE FOR IMPORTANT INFORMATION

DATE CERTIFICATE ISSUED DATE CERTIFICATE ISSUED

.

. .

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.

WHAT TO DO IN CASE OF AN ACCIDENT

1. Notify police authorities and request medical assistance if necessary.

2. Be sure to obtain the name, address, license plate num- ber and names of insurance companies of any others involved in the accident.

3. Obtain names and addresses of all witnesses.

4. Do not discuss details or fault of the accident with anyone except police or an authorized GuideOne Insurance rep- resentative.

5. Report the accident to GuideOne Insurance . . . either your agent, the nearest branch claims office or the Home Office. They will advise you further.

.

WHAT TO DO IN CASE OF AN ACCIDENT

1. Notify police authorities and request medical assistance if necessary.

2. Be sure to obtain the name, address, license plate num- ber and names of insurance companies of any others involved in the accident.

3. Obtain names and addresses of all witnesses.

4. Do not discuss details or fault of the accident with anyone except police or an authorized GuideOne Insurance rep- resentative.

5. Report the accident to GuideOne Insurance . . . either your agent, the nearest branch claims office or the Home Office. They will advise you further.

.

.

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