HERITAGE PROPERTY & CASUALTY INSURANCE COMPANY

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12/1/2012 Voluntary HO3 Program

HERITAGE PROPERTY & CASUALTY

INSURANCE COMPANY

Homeowners Preferred HO3 Program

Underwriting Guidelines and Rating Manual

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9/1/2012 Voluntary HO3 Program TOC-1 TABLE OF CONTENTS

I. ELIGIBILITY/UNDERWRITING

A. Ineligible Risks ...UW-1

B. Occupancy/Use ...UW-1

C. Roof ...UW-2

D. Plumbing System ...UW-2

E. Age of Home at New Business – Water Damage Coverage ...UW-2

F. Townhouse/Rowhouse ...UW-2

G. Unusual or Excessive Liability Exposure ...UW-2

II. BINDING AUTHORITY

A. General ...BA-1

B. Prior Insurance ...BA-1

C. Binding Suspension Due to Catastrophes ...BA-1

D. Previous Cancellations/Non-Renewals ...BA-1

E. Binding Authority Limits ...BA-1

III. GENERAL RULES

A. Policy Term ...GR-1

B. Renewal Plan ...GR-1

C. Cancellation or Reductions in Limits ...GR-1

D. Multiple Company Insurance ...GR-1

E. Transfer or Assignment ...GR-1

F. Single Building Definition ...GR-1

G. Protection Class Information ...GR-1

H. Construction Definitions ...GR-2

I. Mandatory Endorsements ...GR-2

J. Waiver of Premium ...GR-3

K. Premium Rounding ...GR-3

L. Annual Dwelling and Other Structures Coverage Adjustment ...GR-3

IV. PREMIUM CALCULATION

A. General ...PC-1

B. Amount of Insurance ...PC-1

C. Age of Dwelling ...PC-1

D. Total Renovations ...PC-2

E. Protection Class/Construction ...PC-2

F. Building Code Effectiveness Grading ...PC-2

G. Premium Factors / Non-Hurricane Base Rate ...PC-3

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9/1/2012 Voluntary HO3 Program TOC-2 PREMIUM CALCULATION (cont)

V. COVERAGE OPTIONS

A. Deductibles ...CO-1

B. Windstorm or Hail Exclusion ...CO-1

C. Water Damage Exclusion ...CO-1

D. Hurricane Screen Enclosure and Carport Coverage ...CO-2

E. Coverage B Limit ...CO-2

F. Coverage C Limit ...CO-2

G. Increased Section II Liability and Medical Payments Limits ...CO-3

H. Personal Injury Coverage ...CO-3

I. Ordinance or Law Coverage ...CO-3

J. Increased Replacement Cost on Dwelling ...CO-3

K. Personal Property Replacement Cost Coverage ...CO-4

L. Special Personal Property Coverage ...CO-4

M. Coverage C Increased Special Limits of Liability ...CO-4

N. Personal Property- Scheduled ...CO-5

O. Loss Assessment Coverage ...CO-5

P. Limited Fungi (Mold), Wet or Dry Rot, or Bacteria Increased Coverage ...CO-5

Q. Limited Water Damage Coverage ...CO-6

R. Home Computer Coverage ...CO-6

S. Sinkhole Coverage ...CO-6

T. Golf Cart Physical Damage & Liability Coverage ...CO-7

U. Dog Liability Coverage...CO-7

V. Water Back Up and Sump Overflow ...CO-8

W. Additional Insured ...CO-8

X. Additional Interest ...CO-8

Y. Identity Theft or Identity Fraud Expense and Monitoring ...CO-8

VI. PAYMENT OPTIONS

A. Full Pay ...PO-1

B. Semi-Annual Payment Plan ...PO-1

C. Quarterly Payment Plan ...PO-1

D. Credit Cards ...PO-1

E. Additional Fees ...PO-1

F. NSF Checks ...PO-1

VII.TERRITORY BASE RATES………...BR-1 to 3

VIII. TERRITORY DEFINITIONS BY ZIP CODE………...TDZ-1 to 4

IX. PREMIUM CALCULATION WORKSHEET……….PCW-1 to 2

X. APPENDIX A – WLM CREDITS FOR EXISTING CONSTRUCTION…………...APX A

XI. APPENDIX B – WLM CREDITS FOR NEW CONSTRUCTION………...….APX B

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9/1/2012 Voluntary HO3 Program UW-1

I. ELIGIBILITY – UNDERWRITING

A. INELIGIBLE RISKS

1. Porches or decks more than 2 ft. off the ground or with 3 or more steps leading to them must be protected with properly installed handrails.

2. Homes with open foundations.

3. Factory fabricated, transportable housing units built on a chassis (mobile or manufactured homes). Note: Homes with components constructed off-site and assembled on-site which are subject to local and state building codes are acceptable.

4. Properties located entirely over water.

5. Risks with any prior or current Sinkhole activity on the premises whether or not it results in a loss to the dwelling.

6. Homes of unconventional construction including but not limited to Log Homes.

7. Homes with wood shingled roofs.

8. Homes without permanently installed heat source or with wood burning stoves, space heater or fireplaces as primary source of heat.

9. Properties in a state of disrepair or properties with existing damage.

10. Risks with Knob & Tube electrical wiring, or aluminum electrical wiring, or fuses.

11. Risks with rental exposure. Note: A duplex, wherein one side is owner-occupied and the other side is rented is acceptable.

12. Risks insured for less than 100% replacement cost.

13. Homes used for any purpose other than residential.

14. Vacant or unoccupied homes.

15. Swimming pools that are not protected by a locking fence at least 4 ft. high or screened enclosure.

16. Spas that are not covered and locked.

17. Risks with a previous property loss (whether or not paid by insurance) in the past 3 years at this or any other location - other than 1 water, fire or theft loss occurring in the past 3 years provided the amount of loss is less than $10,000.

18. Risks with a previous liability loss (whether or not paid by insurance) in the past 3 years at this or another location.

19. Risks with vicious or exotic animals. Vicious animal is defined as any animal, regardless of breed, that has a negative history including, but not limited to, biting, snapping, or causing or attempting to cause injury to an individual or other animal. Saddle animals are permitted when there is no business use.

B. OCCUPANCY/USE

1. The residence must be occupied by the owner or by owner’s immediate family only (no roomers or boarders). Immediate family is defined as named insured’s parents or children.

a. Primary – occupied on a primary basis.

b. Secondary/Seasonal – occupied on an intermittent basis.

2. Properties with Home Day Care exposure are eligible for this program with evidence of commercial liability coverage and a copy of the State or County Home Day Care license. These documents must be provided each year prior to renewal.

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9/1/2012 Voluntary HO3 Program UW-2 C. ROOF

Roof must be in good condition. Composition shingle roofs must have been replaced within 15 years.

D. PLUMBING SYSTEM

Risks with polybutylene and/or galvanized steel pipes may only be written with the water damage exclusion. In order to be eligible for limited water damage coverage, homes with polybutylene and/or galvanized steel pipes will require an inspection including the following:

1. Age of pipes and remaining useful life (must be at least 2 years);

2. Condition of pipes (must be above average or better);

3. Date of inspection (must be within the past 3 months); and

4. Inspector’s license information, including license type (either a Floridageneral contractor’s or plumbing contractor) and number.

E. AGE OF HOME AT NEW BUSINESS / WATER DAMAGE COVERAGE

Homes over 40 years of age may be written with either limited water damage coverage or excluding water damage coverage.

F. TOWNHOUSE / ROWHOUSE

1. Each unit must be separated by parapet walls or adequate masonry firewalls.

2. There may be a maximum of 8 units per building.

G. UNUSUAL OR EXCESSIVE LIABILITY EXPOSURES

Risks with the following items are acceptable for coverage, however, bodily injury and property damage liability will be excluded for injuries or damage resulting from their use:

1. Trampolines;

2. Skateboard Ramps;

3. Bicycle Ramps;

4. Swimming pool slides; and

5. Swimming pool diving boards.

Endorsement HPCHO 09 ELE – Unusual or Excessive Liability Exposure applies and is attached to all policies.

Additional underwriting guidelines apply to specific endorsements or optional coverages and are contained in the Coverage Options section of this manual.

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9/1/2012 Voluntary HO3 Program BA-1

II. BINDING AUTHORITY

A. GENERAL

1. Application must be maintained in Agent’s office and is subject to audit at request of the Company.

2. Risk must meet the Eligibility/Underwriting guidelines.

3. Risk must fall within our binding authority limits.

4. Risks may be written up to 60 days future effective.

B. PRIOR INSURANCE

Risks with a lapse in coverage of more than 30 days require Underwriting approval prior to binding.

C. BINDING SUSPENSION DUE TO CATASTROPHES

1. No applications for new business or endorsements for increased coverage may be bound, written or issued when binding is suspended. Exceptions for previously scheduled closings may be submitted to Underwriting for binding approval. Agents will be notified by bulletin and via our website when binding has been suspended and when the suspension is lifted.

2. Binding may be suspended for the following reasons: Tropical Storm, Hurricane, Wildfire and Other Catastrophe.

D. PREVIOUS CANCELLATIONS / NON-RENEWALS

Risks previously canceled for reasons other than reduction of hurricane exposure must be referred to the Company before binding.

E. BINDING AUTHORITY LIMITS / PROGRAM DESCRIPTION

Coverage HO-3

A - Dwelling $100,000* to $1,000,000**

B - Other structures 2% to 70% of Coverage A

C - Contents Up to 75% of Coverage A

D - Loss of Use 10% of Coverage A

E - Personal Liability $100,000 to $500,000

F - Medical Payments $1,000 to $5,000

* $125,000 minimum Coverage A in coastal counties.

** Risks exceeding binding limits may be submitted to Underwriting for approval. Please contact the Underwriting Department after you have fully completed an application in our processing system. Additional documentation such as an appraisal may be required. Please allow at least 10 days for the high value process.

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9/1/2012 Voluntary HO3 Program GR-1

III. GENERAL RULES

A. POLICY TERM

The standard policy term is one year and may be extended for successive policy periods by renewal.

B. RENEWAL PLAN

If the company elects to offer renewal, policy may be renewed by the policyholder by paying the renewal premium prior to the expiration of the current policy. Renewal policy will be issued based on the premiums, forms and endorsements in effect at time of renewal. A new declaration page will be issued.

C. CANCELLATION OR REDUCTIONS IN LIMITS OF LIABILITY OR COVERAGE

1. Mandatory coverages may not be canceled unless the entire policy is canceled.

2. If insurance is increased or reduced, the additional or return premium shall be computed on a pro-rata basis.

3. The insured may cancel the policy at any time for any reason. We will refund any unearned premium pro rata.

4. A partial sinkhole loss, 1 water damage loss or property losses that are a result of an Act of God will not be used as a cause for cancellation or non-renewal unless the insured has failed to take action reasonably necessary to prevent recurrence of damage to the insured property.

D. MULTIPLE COMPANY INSURANCE

We will not provide coverage for a dwelling that is also covered by another insurance policy.

E. TRANSFER OR ASSIGNMENT

No transfers or assignments are permitted. Each insured and/or property will require submission of a new application.

F. SINGLE BUILDING DEFINITION

All buildings or sections of buildings that communicate through unprotected openings shall be considered as a single building. Buildings that are separated by space shall be considered as separate buildings.

Buildings or sections of buildings, which are separated by a 6-inch reinforced concrete or 8-inch masonry party wall that pierces or rises to the underside of the roof and pierces or extends to the inner side of the exterior wall, shall be considered a separate building. 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.

G. PROTECTION CLASS INFORMATION

The Protection Class listings in the Public Protection Classification Manual apply. Use PC 10 for unclassified areas. In a classified area where two or more classifications are shown (e.g. 6/9), the classification is determined as follows:

Miles to Fire Station Feet to Hydrant Class

Less than 5 Less than 1,000 first PC

Less than 5 More than 1,000 9

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12/1/2012 Voluntary HO3 Program GR-2 Protected Subdivision Rule: A dwelling located in a qualifying restricted subdivision will receive the rating of the responding fire department if ALL OF THE FOLLOWING APPLY:

1. The subdivision is under development with recorded plat and paved roads where dwellings are built by licensed contractors subject to building restrictions as to type and square footage.

2. The subdivision contains at least 10 houses.

3. The subdivision is within 5 miles travel distance of a responding fire department.

4. The home is located within 1,000 feet of fire hydrant, or responding fire department is equipped to transport water or pump water from swimming pools or other sources within 1,000 feet of the home.

Exceptions to the Protection Class listings in the Public Protection Classification Manual will be considered upon review by Underwriting.

H. CONSTRUCTION DEFINITIONS

1. Frame - exterior wall of wood or other combustible construction, including wood-iron clad, stucco on wood or plaster on combustible supports, and aluminum or plastic siding over frame.

2. Masonry Veneer - exterior walls of frame construction veneered with more than 75% brick or stone.

3. Masonry - 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. Superior Construction - exterior walls, floors, and roof constructed of masonry or other non-combustible materials.

Note: Mixed (Masonry/Frame) - a combination of both frame and masonry construction shall be classified as Frame when the exterior walls of frame construction {including gables) exceed 25% of total exterior wall area; otherwise classify as Masonry.

5. Hardiplank Siding – Frame homes with Hardiplank Siding shall be classified as Frame but will be given a 5% discount.

I. MANDATORY ENDORSEMENTS

1. HO 00 03 – Homeowners 3 Special Form.

2. HPCHO3 09 SP – Special Provisions for Florida / HO-3.

3. HPCHO 23 70 – Windstorm Exterior Paint or Waterproofing Exclusion– Seacoast – Florida is attached to all policies that include wind coverage in the following territories: 50, 70, 120, 121, 122, 123, 124, 125, 126, 127, 128, 129, 130, 131, 132, 133, 134, 143, 144, 145, 146, 147, 180, 181, 182, 310, 360, 361, 410, 420.

4. HO 04 96 – No Section II – Liability Coverages for Home Day Care Business / Limited Section I – Property Coverages for Home Day Care Business.

5. HPCHP 06 CLP – Collapse Coverage.

6. HPCHO 09 DN – Deductible Notification.

7. HPCHO 09 ED – Existing Damage Exclusion.

8. HPCHO 08 ELE – Unusual or Excessive Liability Exposures.

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12/1/2012 Voluntary HO3 Program GR-3 10.HO 03 51 – Calendar Year Hurricane Deductible (%) with Supplemental Reporting Requirement-FL or HO 03 52 – Calendar Year Hurricane Deductible (Fixed $) with Supplemental Reporting Requirement-FL.

11.HPCHO REJ OLR – Ordinance or Law Coverage Rejection Form.

12.HPC PRI – Privacy Notice.

13.OIR B1 1655 – Notice of Premium Discounts for Hurricane Loss Mitigation.

14.OIR B1 1670 – Checklist of Coverage.

15.HPCHO 09 OTL – Outline of Coverage.

16.HPCHO 09 SDE – Secondary/Seasonal Dwelling Endorsement when occupancy is seasonal/secondary.

17.HPCHO3 IDX - Special Form Index.

18.HPCHO 09 WD – Water Damage Exclusion (for homes over 40 years of age at new business and homes with polybutylene and/or galvanized steel plumbing pipes).

J. WAIVER OF PREMIUM

When a policy is first issued or endorsed after the inception date, additional or return premium of less than $5 is waived. However, we will return unearned premium upon request

K. PREMIUM ROUNDING

When calculating premium, adjusted base rates and premiums for each optional coverage are rounded to the nearest whole dollar before summing.

L. ANNUAL DWELLING AND OTHER STRUCTURES COVERAGES ADJUSTMENT

Dwelling and Other Structures coverage will be reviewed annually and amended for changes in replacement cost based on changes in underlying construction costs.

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1/1/2013 Voluntary HO3 Program PC-1

IV. PREMIUM CALCULATION

A. GENERAL

1. This section provides explanation of how premiums are determined and what adjustments are applied to price each risk. Rates for optional coverages follow premium adjustments.

2. Two base rates apply to each territory: "Hurricane" and "Non Hurricane". Premium adjustments apply to the Hurricane Base Rate (HUR), the Non Hurricane Base Rate (NHR), or both Base Rates.

3. Premium adjustments are calculated by multiplying the factors provided below by the appropriate base rate (HUR, NHR, or both) to calculate adjusted base rates.

4. Optional coverages that result in additional premium are presented beginning on page OC-1. Additional premiums are presented as a dollar amount, or a percentage of the unadjusted base rates.

B. AMOUNT OF INSURANCE

Coverage A Factor

$75,000 1.00

The factor for Coverage amounts greater than $75,000 for HO-3 is determined by dividing the desired coverage amount by $75,000.

For example: The factor for $125,000 (HO-3) equals 125/75 or 1.67.

C. AGE OF DWELLING

Non-Hurricane Hurricane

Age Factor Age Factor Year Built Factor

0 0.85 26 1.13 2005+Newer* 1.00 1 0.86 27 1.14 2004* 1.00 2 0.87 28 1.15 2003* 1.00 3 0.88 29 1.16 2002* 1.00 4 0.89 30 1.17 2001 0.82 5 0.90 31 1.18 2000 0.82 6 0.91 32 1.19 1999 0.82 7 0.93 33 1.20 1998 0.82 8 0.94 34 1.21 1997 0.82 9 0.95 35 1.22 1996 0.82 10 0.96 36 1.23 1995 0.86 11 0.97 37 1.24 1994 1.00 12 0.98 38 1.26 1993 1.00 13 0.99 39 1.27 1992 1.00 14 1.00 40 1.28 1991 1.00 15 1.01 41 1.29 1990 1.00 16 1.02 42 1.30 1989 1.00 17 1.03 43 1.31 1987-88 1.00 18 1.04 44 1.32 1982-86 1.00 19 1.05 45 1.33 1977-81 1.00 20 1.06 46 1.34 1972-76 1.00 21 1.07 47 1.35 1962-71 1.00 22 1.09 48 1.36 1952-61 1.00 23 1.10 49 1.37 1951 & + 1.00 24 1.11 50 1.38 25 1.12 51& + 1.38

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Age is determined by subtracting the year in which construction of the residence was completed from the year in which the policy is effective.

*All condominiums built in 2002 or later receive the minimum 68% Windstorm Loss Mitigation Credit on the hurricane premium. New homes built to wind speed designs of 110 mph plus receive a higher discounts.

D. TOTAL RENOVATIONS

If acceptable documentation demonstrates that a residence has been totally* renovated, the year in which the total renovation began may be used as the date of construction. Total renovation will require a totally new electrical, plumbing (above the slab), heating and A/C, roof and window systems, and must be verified by a certified inspector based on an on site inspection.

*Complete documentation should be submitted to Underwriting prior to binding.

E. PROTECTION CLASS / CONSTRUCTION

Apply to Non Hurricane Base Rate (NHR):

Frame Masonry Superior

1-6 7 8 9 10 1.00 1.30 1.40 2.30 2.50 0.87 1.00 1.00 1.45 1.50 0.75 0.80 0.90 1.00 1.25 Apply to Hurricane Base Rate (HUR):

Construction Factor Frame Masonry Superior 1.00 .80 .75

F. BUILDING CODE EFFECTIVENESS GRADING

1. The Building Code Effectiveness Grading Schedule develops a grade of 1 to 10 for a community based on the adequacy of its building code and the effectiveness of its enforcement of that code. Policies may be eligible for special rating adjustments subject to the criteria in this section.

2. In some communities, two Building Code Effectiveness Grades may be assigned. One grade will apply to 1 and 2 family dwellings and the other to multiple unit dwellings. The Public Protection Classification Manual will indicate the application of each grade.

3. The Building Code Effectiveness Grades for a community, and their effective dates, are provided in the Public Protection Classification Manual published by ISO Commercial Risk Services, Inc.

4. Community Grading

a. The Building Code Effectiveness Grade applies to any building that has an original certificate of occupancy dated in the year of the effective date of the community grading, or later.

b. If a community is regraded subsequent to its initial grading, the factor for the revised grade applies to buildings that have an original certificate of occupancy dated the year of the effective date of the revised grading, or later.

c. Where certificates of occupancy are not issued, reasonable evidence of year of construction will be accepted.

d. If, due to an addition or alteration, the original building is changed to comply with the latest building code, the factor for the community applicable at the time the reconstruction is completed will apply.

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1/1/2013 Voluntary HO3 Program PC-3 5. Individual Grading

a. Where buildings have been built in full conformance with the natural hazard mitigation elements of one of the nationally recognized building codes even though the community grade is greater than 1, or the community is not participating in the program, exception rating procedures may apply.

b. Any building may be classified as Grade 1 for Windstorm/Hail upon certification by a registered or licensed design professional based on an on-site inspection, that such building is in compliance with one of the three nationally recognized building codes with respect to mitigation of the windstorm and/or hail hazard. This classification is effective only from the date of the certification.

6. Ungraded and Nonparticipating Risks

Buildings that do not meet the criteria above for community or individual grading should be coded as "Ungraded" or "Non-Participating" if the community has chosen not to participate.

Grade Factor HUR NHR 11 2 3 4 5 6 7 8 9 10 or Ungraded Non-Participating 0.88 0.91 0.92 0.94 0.95 0.97 0.98 0.98 0.99 1.00 1.01 0.97 0.97 0.97 0.98 0.98 0.98 0.99 0.99 0.99 1.00 1.01

G. PREMIUM FACTORS - NON HURRICANE BASE RATE

Product of applicable premium factors in this section is applied to the Non Hurricane Base Rate (NHR).

Factor

1. Secured Community/Building Credit: (Seasonal/Secondary residences are not eligible for this discount.)

a. A single entry leads into the sub-division or

community is protected by 24-hour security patrol. .90

b. 24 hour-manned gates protect all entrances to community or

passkey gates protect all entrances to the community. .85

2. Protective Devices

a. Fire alarm reporting to fire or central station. .90

or Complete home sprinkler system. .85

b. Complete local burglar alarm (covers all exterior doors & windows). .95 or Complete burglar alarm reporting to police or central station. .90

Note: Burglar alarm credits are not available when coverage C limit is less than 40% of Coverage A. Use Endorsement HO 04 16 – Premise Alarm or Fire Protection System.

3. Miscellaneous Credit/Debits

Senior/retiree discount. .90

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Hardiplank Siding discount. .95

H. PREMIUM FACTORS - HURRICANE BASE RATE 1. Windstorm Loss Mitigation Features

When a policy covers the peril of Windstorm or Hail, the risk may be eligible for a premium credit up to a maximum of 90%, including the BCEG credit, if one or more loss mitigation features or construction techniques exist. Supporting documentation that substantiates the existence of loss mitigation features is required in order to receive the credits. Note that when the windstorm protective devices credit applies, Endorsement HO 04 21 – Windstorm Protective Devices will be attached.

For homes built prior to 2002, certification by a registered or licensed design professional is required for the Roof Coverage, Roof Deck Attachment and Roof Wall Connection. Sale and/or installation documentation is required for all Opening Protection.

Existing Construction Credits (Homes built prior to 2002)

Obtain credit from Appendix A. Subtract credit from one to obtain premium factor Windstorm Loss Mitigation Features.

New Construction Credits (Homes built in 2002 or newer)

Obtain credit from Appendix B. Subtract credit from one to obtain premium factor for Windstorm Loss Mitigation Features.

The Wind Premium Credits apply to all wind premium. The credits will apply to the entire calculated hurricane premium. Five percent (5%) of the hurricane premium is for non-hurricane wind coverage.

Therefore, the Windstorm Premium Credits apply to five percent (5%) of the non-hurricane premium.

The credit discount factor is calculated as follows: 0.95 + .05 * (1-Wind Premium Credit)

Example: If the WPC in the table is .60, the factor is 0.95 + .05*(1-.60) = 0.97

2. Additional Risk Exposure Factors:

Flat Tile Roof (flat masonry or clay) .98

Hip Roof

If the roof slopes down to meet all walls (like a pyramid), it is considered a Hip Roof. This design has superior ability to withstand high winds and will result in a premium credit.

Other factors negate the value of this design. Hip Roof Design Credit is not applicable when the roof has a gable end that exceeds 50% of a major wall length. Hip Roof must be verified by photographic documentation.

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1/1/2013 Voluntary HO3 Program CO-1

V. COVERAGE OPTIONS

A. DEDUCTIBLES

1. All policies are subject to a deductible that applies to loss from all Section I perils. The Hurricane deductible applies to a calendar year basis subject to either Endorsement HO 03 51 – Calendar Year Hurricane Deductible (%) with Supplemental Reporting Requirement-FL or HO 03 52 – Calendar Year Hurricane Deductible (Fixed $) with Supplemental Reporting Requirement-FL. In the event of the first windstorm loss caused by a single hurricane occurrence during a calendar year, we will pay only that part of the total of all loss payable under Section I – Property Coverages that exceeds the calendar year hurricane deductible. With respect to a windstorm loss caused by the second, and each subsequent, hurricane occurrence during the same calendar year, we will pay only that part of the total of all loss payable under Section I – Property Coverages that exceeds the greater of the remaining dollar amount of the calendar year hurricane deductible; or the deductible that applies to fire that is in effect at the time of the loss.

2. For all perils except hurricane (apply to NHR)

3. For losses due to Hurricane (apply to HUR) Deductible

$500 2% Cov. A 5% Cov. A 10% Cov. A

$75,000 – 100,000 1.00 0.78 0.73 0.58 $100,001 - 200,000 1.00 0.76 0.70 0.55 >$200,000 1.00 0.75 0.70 0.55

4. Deductibles may be increased at any time during the policy period. Deductibles may only be decreased at time of renewal.

B. WINDSTORM OR HAIL EXCLUSION / HO 04 94

1. The perils of Windstorm and Hail may be excluded in areas where coverage is available from Citizens Property Insurance Corporation. We will require this endorsement in some territories based on capacity. In addition, windstorm coverage can be excluded if all named insureds, mortgagees and other insurable interests complete and sign the Option to Exclude Windstorm Coverage form HPC 09 WE. The original form must be sent to the Company and a copy provided to the insured.

2. When wind and hail are excluded, apply the following premium factors:

NHR: .95 HUR: .00 3. Use Endorsement HO 04 94 – Windstorm or Hail Exclusion.

C. WATER DAMAGE EXCLUSION / HPCHO 09 WD

1. Water damage will be excluded for the following risks:

a. Homes over 40 years of age;

b. Homes with polybutylene and/or galvanized steel plumbing.

2. The peril of Water Damage may also be excluded from any risk and results in a lower premium. In addition to what is automatically excluded in the policy, this endorsement will exclude discharge or

Amount Factor $500 1,000 2,500 5,000 1.00 0.85 0.80 0.77

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1/1/2013 Voluntary HO3 Program CO-2

overflow of water or steam from within a plumbing, heating, A/C, automatic sprinkler system or from within a household appliance; as well as water penetrating through the roof or exterior walls or windows unless water penetration is a direct result of damage caused by a Peril Insured Against other than water. When water damage is excluded, apply the following factors:

NHR: .90 HUR: 1.00

3. Use Endorsement HPCHO 09 WD – Water Damage Exclusion.

D. HURRICANE-SCREEN ENCLOSURES AND CARPORTS COVERAGE / HPCHO 09 WSE

1. Provides coverage for loss caused by hurricane to aluminum framing for screened enclosures and carports permanently attached to the dwelling on a replacement cost basis. This endorsement does not provide coverage for screen material or costs associated with removing or replacing screens. This endorsement does not increase the limit of liability for Coverage A. This coverage is available in increments of $5,000 up to a maximum of $75,000.

2. Additional premium:

(Selected Limit / $50,000) x 0.32 x HUR Base x Lesser of (Amount of Insurance Factor, 4.0) 3. Use Endorsement HPCHO 09 WSE – Limited Screened Enclosure and Carport Coverage.

E. COVERAGE B – OTHER STRUCTURES / HO 04 48

1. Insured may select desired coverage limit for other structures located on the residence premises. Other structures may not be rented to others, or used by non-related persons for residence purposes.

2. Minimum coverage equal to 2% of Coverage A is included in the basic policy. The following additional coverages are available (apply to NHR and HUR):

% of Cov. A Factor

5% 1.025

10% 1.06

15% 1.10

20% 1.14

3. If additional Coverage B is required beyond the maximum available, 20% of Coverage A blanket limit, specific Other Structures may be added to this policy using endorsement HO 04 48. Note that specific coverage on Other Structures cannot be added unless the 20% blanket coverage has been selected. Sum of coverage provided by blanket and specific Coverage B cannot exceed 70% of Coverage A.

4. Additional Premium:

NHR - $1.33 per $1,000, HUR - $2.67 per $1,000. F. COVERAGE C - CONTENTS

1. Insured must select desired coverage limit for personal property. Coverage C is available in 5% (of Coverage A) increments from a minimum 25% to maximum 75%, or may be excluded entirely. Base rates include contents coverage equal to 50% of Coverage A.

% of Cov A Factor HUR NHR 0% .70 .80 25% .85 .925 50% 1.00 1.00 75% 1.15 1.125

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1/1/2013 Voluntary HO3 Program CO-3 3. Note: If the named insured(s) chooses to exclude contents coverage entirely, form HPC 09 CE – Option to Exclude Contents Coverage or the Option to Exclude Coverage section of the application must be completed and signed by all named insureds. The original form or signed application must be sent to the Company and a copy provided to the insured.

G. INCREASED SECTION II LIMITS

1. All policy forms provide basic limits of $100,000 per occurrence for Coverage E, and $1,000 per person for Coverage F.

2. Additional premium for increased limits in Broward, Dade, Indian River, Martin, Palm Beach and St. Lucie:

3. Additional premium for increased limits in all other counties not listed above:

Coverage E - Liability

Limit Additional Premium

Coverage F - Medical Payments Limit Additional Premium

$200,000 $10 $2,500 $6

$300,000 $15 $5,000 $10

$500,000 $30

H. PERSONAL INJURY COVERAGE / HO 24 82

1. Provides liability coverage for personal injury to others for offenses such as false arrest, detention or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or wrongful entry.

2. Additional premium: $15

3. Use Endorsement HO 24 82 – Personal Injury Coverage.

I. ORDINANCE OR LAW COVERAGE

1. Provides coverage for increases in cost of reconstruction, repair, or demolition of property that result from local laws or ordinances regulating such. Additional coverage provided by this endorsement is limited to 10% (HPCHO 09 OL3), 25% (HPCHO 09 OL1) or 50% (HPCHO 09 OL2) of the Coverage A policy limit. Per 627.7011 (b), Florida Statute, the 25% endorsement will automatically be provided to any HO-3 policy issued unless the insured signs a rejection form (HPCHO REJ OLR).

2. Additional premium: 10% Limit:

(5% of NH Base X Amt of Ins Factor X PC Factor X Age Factor) +

(5% of HUR Base X Amt of Ins Factor X Const Factor X Year Built (YB*) factor)

(10% of NH Base X Amt of Ins Factor X PC Factor X Age Factor) +

(10% of HUR Base X Amt of Ins Factor X Const Factor X Year Built (YB*) factor)

(15% of NH Base X Amt of Ins Factor X PC Factor X Age Factor) + (15% of HUR Base X Amt of Ins Factor X Const Factor X YB factor)

5. *For Years Built 2002 and newer, the Year Built Factor = .50 in the hurricane calculation. This applies to the calculations of OL, IRC, PPRC, and SPPC.

Coverage E - Liability

Limit Additional Premium

Coverage F - Medical Payments Limit Additional Premium

$200,000 $20 $2,500 $6

$300,000 $30 $5,000 $10

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1/1/2013 Voluntary HO3 Program CO-4 J. INCREASED REPLACEMENT COST ON DWELLING / HPCHO 09 IRC

1. This endorsement is intended to cover additional costs of construction that are incurred due to increases in the cost of construction that occur during the policy period. Increased construction cost is normally the result of increased demand relative to supply of labor and materials that can occur subsequent to a catastrophic loss that impacts a substantial number of properties in a region. Additional coverage provided by this endorsement is limited to a maximum of 20% of Coverage A. This endorsement does not cover increased construction costs attributable to laws or ordinances governing construction.

(5% of NH Base X Amt of Ins Factor X PC Factor X Age Fac)+ (5% of HUR Base X Amt of Ins Factor X Const Fac X YB Fac)

3. Use Endorsement HPCHO 09 IRC – Increased Replacement Cost on Dwelling.

K. PERSONAL PROPERTY REPLACEMENT COST COVERAGE / HPCHO 04 90

1. Provides for settlement of losses for contents coverage {Coverage C) on a replacement cost Basis.

(15% of NH Base X Amt of Ins Factor X PC Factor X Age Factor)+ (15% of HUR Base X Amt of Ins Factor X Const Factor X YB Factor)

3. Use Endorsement HPCHO 04 09 – Personal Property Replacement Cost Coverage.

L. SPECIAL PERSONAL PROPERTY COVERAGE / HO 00 15

1. Modifies loss settlement from named to open perils for contents.

(10% of NH Base X Amt of Ins Factor X PC Factor X Age Factor)+ (10% of HUR Base X Amt of Ins Factor X Const Factor X YB Factor)

3. Use Endorsement HO 00 15 – Special Personal Property Coverage.

M. COVERAGE C INCREASED SPECIAL LIMITS OF LIABILITY / HO 04 65

1. The special limits of liability in the policy for jewelry, watches, furs ($1,000) and silverware, goldware, pewterware ($2,500) may be increased as follows:

a. Jewelry, Watches and Furs: The special limit of liability of $1,000 may be increased to a maximum of $5,000, but not to exceed $1,000 for any one article. The additional premium shall be $18 for each $1,000 of increased coverage.

b. Silverware, Goldware and Pewterware: The special limit of liability of $2,500 may be increased to a maximum of $10,000. The additional premium shall be $6.50 for each $1,000 of increased coverage.

2. This coverage is available for primary occupancy only.

3. Use Endorsement HO 04 65 – Coverage C Increased Special Limits of Liability.

4. Endorsement HO 04 66 – Coverage C Increased Special Limits of Liability will be attached if policy included Endorsement HO 00 15 – Special Personal Property Coverage.

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12/1/2012 Voluntary HO3 Program CO-5 N. PERSONAL PROPERTY – SCHEDULED/ HPCHO 09 SPP

1. Additional risks coverage may be purchased for the following classes of property.

Property Rate per $100

Antiques $.90

Bicycles $9.35

Cameras & Projection Equipment

(non professional) $1.52 Coins $1.80 Fine Arts No breakage $.50 Breakage $1.00 Furs $.40 Golfer’s Equipment $1.40 Guns : Collectible $1.50 Fired $3.00 Jewelry $2.00

Miscellaneous Personal Property $1.00

Musical Instruments

(non professional) $.60

Other Sports Equipment $2.00

Silverware $.45

Stamps $.80

2. Underwriting Guidelines:

a. Appraisals or bills of sale – with photo included - less than 3 years old must accompany single items worth $2,500 or more. (Copy is acceptable)

b. Schedules, which total over $35,000 or include individual items worth more than $10,000 should be submitted for approval prior to binding.

c. This coverage is available for primary occupancy only.

3. Use Endorsement HPCHO 09 SPP – Scheduled Personal Property.

O. LOSS ASSESSMENT COVERAGE – INCREASED LIMITS / HO 04 35

1. Provides increased coverage for assessments relating to the residence premises. The basic policy includes $1,000 coverage.

3. Use Endorsement HO 04 35 – Loss Assessment Coverage.

P. LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA INCREASED COVERAGE / HPCHO 09 FCE

1. The basic policy includes $10,000 coverage for Fungi (Mold), Wet or Dry Rot or Bacteria. Coverage can be increased, at renewal, as shown below.

Limit Premium

$ 5,000 $15

10,000 25

Optional Increased Limit Premium

$25,000 Each covered loss/ $50,000 Policy Aggregate $50,000 Each covered loss/ $50,000 Policy Aggregate

$60 $90

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12/1/2012 Voluntary HO3 Program CO-6 3. Any request to increase the coverage limit to $25,000 or $50,000, must be submitted to underwriting for prior approval. An interior inspection may be required to detect the presence of moisture, fungi, mold, wet/dry rot or bacteria within the dwelling. Unacceptable levels or failure to allow the inspection will result in policy cancellation.

4. Use Endorsement HPCHO 09 FCE – Limited Fungi (Mold), Wet or Dry Rot, or Bacteria Increased Coverage.

Q. LIMITED WATER DAMAGE COVERAGE / HPCHO 09 LWD

1. Under certain conditions, homes are written with the Water Damage Exclusion. For an additional premium, the policy may be endorsed to provide coverage for sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, A/C, automatic sprinkler system or from within a household appliance. The limit of liability for all covered property under this option is $10,000.

2. Additional Premium: NHR: 8% surcharge (1.08 factor).

3. This coverage is not available for risks with polybutylene and/or galvanized steel pipes without an accepted inspection.

4. Use Endorsement HPCHO 09 LWD – Limited Water Damage.

R. HOME COMPUTER COVERAGE / HPCHO 09 HC

1. Provides coverage for computers and related equipment against additional risks of physical loss subject to certain exclusions. In addition, this endorsement permits business use of a personal computer. This coverage is available to a maximum limit of $20,000.

2. Additional premium: $6 for each $1,000.

3. Use Endorsement HPCHO 09 HC – Home Computer Coverage. S. SINKHOLE COVERAGE / HPCHO 09 SLC

The base policy covers Catastrophic Ground Cover Collapse as defined by Florida Statute 627.706. Sinkhole Coverage is excluded in the base policy, but may be purchased for an additional premium. For both new and renewal business, the insured may elect an optional 10% deductible for this coverage.

10% Sinkhole Deductible Sinkhole Deductible Factor

Yes 0.90

No 1.00

New policies may be bound only with the Catastrophic Ground Cover Collapse. If the policyholder elects the option for Sinkhole Coverage, an approved structural inspection of the home must be completed prior to adding the coverage. The inspection will document existing damage, evaluate the structural integrity of the dwelling, and verify that there is no current or proximate sinkhole activity that has not been disclosed. Optional Sinkhole Loss Coverage will be approved for those homes that do not display characteristics associated with sinkhole damage. The Optional Sinkhole Loss Disclosure Form must be completed and signed by all named insureds.

An “Approved” inspection service is one that has been designated by us as competent to perform the evaluation, and whose report format meets our informational requirements. The insured will contract directly with the Approved inspection service, and pay an arranged fee, which will be one half of the amount we have negotiated with the inspection service. We will pay the other half and both parties will receive a copy of the inspection. The policyholder will be advised separately of the underwriting decision to accept or decline coverage. When coverage is accepted it will become effective the date of the inspection. The fee will not be refundable no matter how the underwriting decision is reached.

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9/1/2012 Voluntary HO3 Program CO-7 Additional Premium:

(NH Base X Amt. of Ins. Factor X Territory Surcharge in chart below X Sinkhole Deductible Factor from table above)

Territory Surcharge Territory Surcharge Territory Surcharge Territory Surcharge Territory Surcharge

126 1.60% 390 1.50% 470 35.00% 500 12.00% 525 3.00% 127 10.00% 391 1.40% 471 30.50% 511 7.50% 528 3.00% 128 90.00% 410 1.90% 472 35.00% 520 7.50% 529 1.60% 129 100.00% 456 4.00% 473 28.90% 521 25.00% Other 2.00% 145 4.00% 457 4.00% 480 32.10% 522 22.00% 146 3.00% 458 80.00% 481 28.00% 523 1.40% 147 1.60% 459 66.00% 490 7.50% 524 15.90%

Use Endorsement HPCHO 09 SLC – Optional Sinkhole Loss – Section I Property Coverage.

T. GOLFCART PHYSICAL DAMAGE AND LIABILITY COVERAGE / HPCHO 09 CG1 and HPCHO 09 CG2

1. Extends Section I and II coverages to losses arising from the ownership and operation of a golf cart. Coverage does not apply when golf cart is:

a. Used to carry persons for a charge;

b. Used for business purposes;

c. Rented to others; or

d. Being used outside the boundaries of a retirement community or limited access community unless being used for golfing purposes or traveling to or from a golf course.

2. Option 1: For an additional premium of $75, Endorsement HPCHO 09 CG1 includes special limits of liability as follows:

a. Coverage C - Personal Property: $ 5,000

b. Coverage E - Personal Liability: $ 50,000*

c. Coverage F - Medical Payment to Others: $ 5,000

* Option 1 limits are available for risks with a $100,000 Coverage E limit.

3. Option 2: For an additional premium of $100, Endorsement HPCHO 09 CG2 includes special limits of liability as follows:

a. Coverage C - Personal Property: $ 5,000

b. Coverage E - Personal Liability: $ 100,000/300,000/100,000*

c. Coverage F - Medical Payment to Others: $ 5,000

* Option 2 limits are available only for risks which carry increased Coverage E limits.

4. The limits of liability shown above replace the limits of liability shown on the declarations page for any and all covered losses resulting from the operation of your golf cart.

U. DOG LIABILITY COVERAGE / HPCHO 09 DL

1. Extends Section II coverage to losses arising from dogs you own or keep subject to the limits, exclusions and conditions listed in your policy.

2. The following breeds are not eligible for dog liability coverage and this endorsement does not cover losses caused by the following breeds: Akita, American Bulldog, Beauceron, Caucasian Mountain Dog, Chow, Doberman-Pincher, German Shepherd, Great Dane, Keeshond, Pit Bull, Presa Canario, Rottweiler, Staffordshire Terrier or any mix of these breeds.

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9/1/2012 Voluntary HO3 Program CO-8 3. Dogs weighing more than 20 pounds must be individually listed including age county rabies tag

number and a photo taken within the past 3 months.

4. Dogs with a bite history are not eligible for coverage.

5. For an additional premium of $25, Endorsement HPCHO 09 DL – Dog Liability includes special limits of liability as follows:

a. Coverage E – Personal Liability: $50,000

b. The limits of liability shown above replace the limits of liability shown on the declaration page for any and all covered losses resulting from dogs.

V. WATER BACK UP AND SUMP OVERFLOW / HPCHO 09 WBU

1. The policy may be endorsed to provide coverage for loss resulting from water which backs up through sewers or drains or which overflows from the sump. The limit of liability under this option is $5,000. The policy deductible or $1,000, whichever is greater, applies. This endorsement is only available at inception or upon renewal.

2. Additional premium: $25

3. Note: This endorsement is not available on risks where the Water Damage Exclusion applies.

4. Use Endorsement HPCHO 09 WBU – Water Back Up and Sump Overflow.

W. ADDITIONAL INSURED RESIDENCE PREMISES / HO 04 41

1. This endorsement extends the definition of “insured” to include those named with respect to Coverages A – Dwelling, B – Other Structures, E – Personal Liability (premises only) and F – Medical Payments to Others (premises only). Additional Insureds will be notified of any policy cancellations or non-renewals.

2. Trusts may be added as additional insured when either the trust grantor or beneficiary is the named insured and resides in the home.

3. Use Endorsement HO 04 41 – Additional Insured – Residence Premises.

X. ADDITIONAL INTERESTS RESIDENCE PREMISES / HO 04 10

1. Additional interests are added for informational purposes only and will be notified of any policy cancellations or non-renewals, but do not have any coverage under the policy.

2. Use Endorsement HO 04 10 – Additional Interests – Residence Premises.

Y. IDENTITY THEFT OR IDENTITY FRAUD EXPENSE AND MONITORING / HPCHO 09 IDT

1. The policy may be endorsed, for an additional premium, to provide coverage for loss that results from the act of Identity Theft or Identity Fraud. The endorsement provides coverage for:

a. Identity Theft Expenses: Pays up to $25,000 for expenses incurred by an insured as the direct result of identity theft.

b. Monitoring and Support: Identity monitoring services such as internet scanning, public and private record monitoring, postal junk mail reduction service, security freeze assistance, and fraud alert.

c. Restoration: Includes an assigned restoration specialist to provide research and assistance, in the event of an identity theft, to review credit reports, notify reporting agencies, and prepare and manage disputed fraudulent items.

2. By endorsement, coverage is extended to the policyholder, spouse, domestic partner, children living at home (up to age 21 or full time student up to age 26), and grandparents living at the insured premises.

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9/1/2012 Voluntary HO3 Program CO-9 3. Additional Premium: $25

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9/2012 Voluntary HO3 Program PO-1

VI. PAYMENT OPTIONS

A. FULL PAY: 100% of the total policy premium is due by the effective date or the issue date of the policy, whichever is earlier. (Mortgage companies are eligible for full pay only.)

B. SEMI-ANNUAL PAYMENT PLAN: 60% down plus $3 installment fee and a $10 one time service fee due by the effective date of the policy or the date of issuance, whichever is earlier. 40% plus $3 installment fee due on the 180th day.

C. QUARTERLY PAYMENT PLAN: 40% down plus $3 installment fee and a $10 one time service fee due by the effective date of the policy or the date of issuance, whichever is earlier. 20% plus $3 installment fee due on the 90th, 180th and the 270th day.

D. CREDIT CARDS

Credit card payments are accepted for insured full pay or payment plan options.

E. ADDITIONAL FEES

1. Emergency Management Preparedness and Assistance Trust Fund Surcharge

A fully earned annual surcharge of $2.00 will be imposed on every homeowners policy.

2. MGA Fee

A fully earned MGA fee of $25.00 is to be charged on each policy subject to section 626.7451(11), Florida Statutes.

3. State Mandated Fees and Surcharges

Upon approval by the Florida Office of Insurance Regulation, various fees may be charged in accordance with Florida State mandated requirements.

F. NSF CHECKS

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9/1/2012 Voluntary HO3 Program BR-1

VII. TERRITORY BASE RATES

County Description

Territory Code

Base Rate HO-3

NHR HURR Alachua 524 224 154 Baker 525 404 139 Bay Coastal 124 296 998 Bay Inland 454 298 604 Bradford 525 404 139

Brevard Coastal – South 143 365 1,818

Brevard Coastal – North 144 279 1,070

Brevard Inland – South 440 242 890

Brevard Inland – North 441 368 690

Broward Remainder of County 350 389 2,071

Broward Coastal 360 405 2,663

Broward Inland – West Broward 370 365 1,619

Calhoun 527 440 262 Charlotte Coastal 132 210 1,112 Charlotte Inland 462 248 918 Citrus Coastal 128 381 623 Citrus Inland 458 308 460 Clay 523 225 169 Collier Coastal 134 220 1,884 Collier Inland 464 281 988 Columbia 525 404 139 Dade Coastal 310 565 3,362

Dade Remainder of County 320 484 2,539

Dade Inland – West Dade 340 542 2,591

DeSoto 465 273 645

Dixie Coastal 127 357 609

Dixie Inland 457 243 298

Duval Remainder 390 265 210

Duval Inland – West Duval 391 253 164

Duval Coastal 410 243 530 Escambia Coastal 120 478 1,515 Escambia Inland 430 350 805 Flagler Coastal 146 198 583 Flagler Inland 450 202 282 Franklin 125 314 1,126 Gadsden 526 317 181 Gilchrist 527 440 262 Glades 150 315 1,154 Gulf Coastal 125 314 1,126 Gulf Inland 455 300 479 Hamilton 525 404 139 Hardee 465 273 645 Hendry 150 315 1,154 Hernando Coastal 128 381 623 Hernando Inland 458 308 460

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Base Rate HO-3

NHR HURR

Highlands 466 282 582

Hillsborough Tampa/Hillsborough Metro 470 401 722

Hillsborough Tampa Suburban 471 383 596

Hillsborough Southwest Hillsborough 472 397 1,162

Hillsborough East 473 289 486

Holmes 526 317 181

Indian River Inland 142 262 1,440

Indian River Coastal 182 284 1,699

Jackson 526 317 181 Jefferson Coastal 126 286 312 Jefferson Inland 525 404 139 Lafayette 527 440 262 Lake 521 159 415 Lee Coastal 133 282 1,251 Lee Inland 463 312 886 Leon 528 320 158 Levy Coastal 127 357 609 Levy Inland 457 243 298 Liberty 527 440 262 Madison 525 404 139 Manatee Coastal 130 258 1,205 Manatee Inland 460 228 732 Marion 522 250 345 Martin Inland 100 280 1,534 Martin Coastal 180 317 3,154

Monroe Remainder of County 50 212 3,502

Monroe Key West 70 236 3,497

Nassau Coastal 147 230 404 Nassau Inland 529 236 153 Okaloosa Coastal 122 317 1,543 Okaloosa Inland 452 491 501 Okeechobee 150 315 1,154 Orange Orlando 490 247 371

Orange Remainder of County 520 248 436

Osceola 510 297 532

Palm Beach Coastal 361 342 3,262

Palm Beach Remainder 380 275 2,084

Palm Beach Inland – W. Palm Beach City 381 325 1,811

Pasco Coastal 129 348 878

Pasco Inland 459 370 504

Pinellas Coastal 420 283 1,931

Pinellas Exterior zip codes 480 304 1,240

Pinellas Inland 481 345 1,110

Polk 500 464 482

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Base Rate HO-3

NHR HURR

Santa Rosa Coastal 121 321 1,222

Santa Rosa Inland 451 445 600

Sarasota Coastal 131 219 1,578 Sarasota Inland 461 232 662 Seminole 511 292 391 St. Johns Coastal 146 198 583 St. Johns Inland 450 202 282 St. Lucie Inland 141 275 1,454 St. Lucie Coastal 181 298 1,606 Sumter 521 159 415 Suwannee 525 404 139 Taylor Coastal 126 286 312 Taylor Inland 456 238 306 Union 525 404 139 Volusia Coastal 145 322 1,280 Volusia Inland 442 262 667 Wakulla Coastal 125 314 1,126 Wakulla Inland 456 238 306 Walton Coastal 123 292 1,105 Walton Inland 453 247 388 Washington 527 440 262

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9/1/2012 Voluntary HO3 Program TDZ-1

VIII. TERRITORY DEFINITIONS BY ZIP CODE

Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr #

32003 523 32118 145 32222 391 32356 456 32507 120 32008 525 32119 442 32223 390 32358 456 32508 120 32009 529 32124 442 32224 390 32359 127 32011 529 32127 442 32225 390 32024 525 32128 442 32226 390 32401 124 32025 525 32129 442 32227 410 32403 124 32514 120 32033 450 32130 442 32233 410 32404 454 32526 430 32034 147 32131 523 32234 391 32405 124 32531 452 32038 525 32132 442 32244 391 32407 124 32533 430 32040 525 32134 522 32246 390 32408 124 32534 430 32043 523 32136 146 32250 410 32409 454 32535 430 32044 525 32137 146 32254 391 32413 124 32536 452 32046 529 32139 523 32256 390 32420 526 32539 452 32052 525 32140 523 32257 390 32421 527 32541 122 32053 525 32141 442 32258 390 32423 526 32542 122 32054 525 32145 450 32259 450 32424 527 32544 122 32055 525 32148 523 32266 410 32425 526 32547 122 32058 525 32159 521 32277 390 32426 526 32548 122 32059 525 32162 521 32301 528 32427 526 32550 123 32060 525 32163 521 32303 528 32428 527 32561 121 32061 525 32164 146 32304 528 32430 527 32563 121 32062 525 32168 442 32305 528 32431 526 32564 452 32063 525 32169 145 32433 453 32565 451 32064 525 32174 442 32308 528 32435 123 32566 121 32065 523 32176 145 32309 528 32437 527 32567 452 32066 527 32177 523 32310 528 32438 454 32568 430 32068 523 32179 522 32311 528 32439 123 32569 122 32071 525 32180 442 32312 528 32440 526 32570 451 32073 523 32181 523 32317 528 32442 526 32571 451 32080 146 32187 523 32320 125 32443 526 32577 430 32081 146 32189 523 32321 527 32444 124 32578 123 32082 146 32190 442 32322 125 32445 526 32579 122 32193 523 32324 526 32083 525 32195 522 32327 456 32446 526 32580 122 32084 146 32202 390 32328 125 32448 526 32583 121 32086 146 32204 390 32331 525 32449 527 32601 524 32087 525 32205 391 32332 526 32455 526 32603 524 32091 525 32206 390 32333 526 32456 125 32605 524 32092 450 32207 390 32334 527 32459 123 32606 524 32094 525 32208 390 32336 525 32460 526 32607 524 32095 146 32209 390 32337 525 32462 527 32608 524 32096 525 32210 391 32340 525 32464 526 32609 524 32097 147 32211 390 32343 526 32465 455 32099 391 32212 390 32344 525 32466 527 32615 524 32102 521 32216 390 32346 125 32501 120 32617 522 32110 450 32217 390 32347 456 32502 120 32618 524 32112 523 32218 390 32348 126 32503 120 32619 527 32113 522 32219 391 32350 525 32504 120 32621 457 32114 442 32220 391 32351 526 32505 120 32622 525 32117 442 32221 391 32352 526 32506 120 32625 127

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9/1/2012 Voluntary HO3 Program TDZ-2 TERRITORY DEFINITIONS BY ZIP CODE - continued

32626 457 32773 511 32920 143 33035 310 33150 310 32628 457 32776 521 32922 144 33036 50 33154 310 32631 524 32778 521 32925 143 33037 50 33155 310 32640 524 32779 511 32926 440 33040 70 33156 310 32641 524 32780 441 32927 441 33042 50 33157 310 32643 524 32784 521 32931 143 33043 50 33158 310 32648 127 32789 490 32934 144 33050 50 33160 310 32653 524 32792 511 32935 143 33054 320 33161 310 32656 523 32796 441 32937 143 33055 340 33162 310 32666 524 32798 520 32940 143 33056 320 33165 320 32667 524 32801 490 32948 142 33060 360 33166 320 32668 457 32803 490 32949 143 33062 360 33167 310 32669 524 32804 490 32950 143 33063 350 33168 310 32680 457 32805 490 32951 143 33064 360 33169 320 32686 522 32806 490 32952 143 33065 370 33170 310 32693 527 32807 520 32953 144 33066 350 33172 320 32694 524 32808 490 32955 144 33067 350 33173 310 32696 457 32809 520 32958 182 33068 350 33174 320 32701 511 32810 520 32960 182 33069 360 33175 320 32702 521 32811 490 32962 182 33070 50 33176 310 32703 520 32812 490 32963 182 33071 370 33177 310 32707 511 32814 490 32966 142 33073 350 33178 320 32708 511 32817 520 32967 182 33076 350 33179 310 32709 520 32818 520 32968 142 33109 310 33180 310 32712 520 32819 520 32976 143 33122 320 33181 310 32713 442 32820 520 33004 360 33125 310 33182 320 32714 511 32821 520 33009 360 33126 310 33183 320 32720 442 32822 520 33010 320 33127 310 33184 340 32724 442 32824 520 33012 340 33128 310 33185 320 32725 442 32825 520 33013 320 33129 310 33186 320 32726 521 32826 520 33014 320 33130 310 33187 320 32730 511 32827 520 33015 340 33131 310 33189 310 32732 511 32828 520 33016 340 33132 310 33190 310 32735 521 32829 520 33018 340 33133 310 33193 320 32736 521 32831 520 33019 360 33134 310 33194 340 32738 442 32832 520 33020 360 33135 310 33196 320 32744 442 32833 520 33021 360 33136 310 33301 360 32746 511 32834 520 33023 360 33137 310 33304 360 32750 511 32835 520 33024 350 33138 310 33305 360 32751 511 32836 520 33025 350 33139 310 33306 360 32754 441 32837 520 33026 350 33140 310 33308 360 32757 521 32839 490 33027 370 33141 310 33309 360 32759 145 32901 143 33028 350 33142 310 33311 360 32763 442 32903 143 33029 370 33143 310 33312 360 32764 442 32904 144 33030 310 33144 310 33313 350 32765 511 32905 143 33031 320 33145 310 33314 350 32766 511 32907 144 33032 310 33146 310 33315 360 32767 521 32908 440 33033 310 33147 310 33316 360 32771 511 32909 440 33034 310 33149 310 33317 350

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33319 350 33446 380 33567 473 33709 480 33843 500 33321 370 33449 380 33569 471 33710 480 33844 500 33322 370 33455 180 33570 472 33711 420 33849 500 33323 370 33458 380 33572 472 33712 420 33850 500 33324 350 33460 361 33573 471 33713 481 33852 466 33325 370 33461 361 33576 459 33714 481 33853 500 33326 370 33462 361 33578 471 33715 420 33857 466 33327 370 33463 380 33579 471 33716 480 33859 500 33328 350 33467 380 33584 473 33730 480 33860 500 33330 370 33469 180 33585 521 33755 480 33865 465 33331 370 33470 381 33592 473 33756 480 33867 500 33332 370 33471 150 33594 473 33759 480 33868 500 33334 360 33472 380 33596 473 33760 480 33870 466 33351 370 33473 380 33597 521 33761 480 33872 466 33388 370 33476 381 33598 471 33762 480 33873 465 33394 360 33477 361 33602 470 33763 480 33875 466 33401 361 33478 381 33603 470 33764 480 33876 466 33403 361 33480 361 33604 470 33765 480 33880 500 33404 361 33483 361 33605 470 33767 420 33881 500 33405 361 33484 361 33606 472 33770 480 33884 500 33406 361 33486 361 33607 470 33771 480 33890 465 33407 361 33487 361 33609 472 33772 480 33896 500 33408 361 33493 381 33610 470 33773 480 33897 500 33409 361 33496 380 33611 472 33774 480 33898 500 33410 361 33498 380 33612 470 33776 480 33901 463 33411 380 33510 473 33613 470 33777 480 33903 463 33412 381 33511 473 33614 470 33778 480 33904 133 33413 380 33513 521 33615 470 33781 480 33905 463 33414 381 33514 521 33616 472 33782 480 33907 463 33415 380 33523 459 33617 470 33785 420 33908 133 33417 380 33525 459 33618 470 33786 420 33909 463 33418 380 33527 473 33619 472 33801 500 33912 463 33426 361 33534 472 33621 472 33803 500 33913 463 33428 380 33538 521 33624 470 33805 500 33914 133 33430 381 33540 459 33625 471 33809 500 33916 463 33431 361 33541 459 33626 471 33810 500 33917 463 33432 361 33542 459 33629 472 33811 500 33919 133 33433 380 33543 459 33634 470 33812 500 33920 463 33434 380 33544 459 33635 470 33813 500 33922 133 33435 361 33545 459 33637 471 33815 500 33928 133 33436 361 33547 473 33647 473 33823 500 33931 133 33437 380 33548 471 33701 420 33825 466 33935 150 33438 381 33549 471 33702 480 33827 500 33936 463 33439 381 33556 471 33703 480 33830 500 33946 132 33440 150 33558 471 33704 480 33834 500 33947 132 33441 360 33559 471 33705 420 33837 500 33948 132 33442 360 33563 473 33706 420 33838 500 33950 132 33444 361 33565 473 33707 420 33839 500 33952 132 33445 361 33566 473 33708 420 33841 500 33953 132

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Zip Code Terr # Zip Code Terr # Zip Code Terr # Zip Code Terr #

33954 462 34217 130 34465 458 34715 521 33955 132 34219 460 34470 522 34731 521 33956 133 34221 130 34471 522 34734 520 33957 133 34222 460 34472 522 34736 521 33960 466 34223 131 34473 522 34737 521 33966 463 34224 131 34474 522 34739 510 33967 463 34228 130 34475 522 34741 510 33971 463 34229 131 34476 522 34743 510 33972 463 34231 131 34479 522 34744 510 33973 463 34232 131 34480 522 34746 510 33974 463 34233 131 34481 522 34747 510 33976 463 34234 131 34482 522 34748 521 33980 132 34235 131 34484 521 34753 521 33981 132 34236 131 34488 522 34756 521 33982 462 34237 131 34491 522 34758 510 33983 462 34238 131 34498 127 34759 500 33990 463 34239 131 34601 458 34761 520 33991 133 34240 461 34602 458 34762 521 33993 133 34241 461 34604 458 34769 510 34102 134 34242 131 34606 128 34771 510 34103 134 34243 130 34607 128 34772 510 34104 134 34251 460 34608 128 34773 510 34105 134 34266 465 34609 458 34785 521 34108 134 34269 465 34610 459 34786 520 34109 134 34275 131 34613 458 34787 520 34110 134 34285 131 34614 128 34788 521 34112 134 34286 461 34637 459 34797 521 34113 134 34287 461 34638 459 34945 141 34114 134 34288 461 34639 459 34946 181 34116 464 34289 461 34652 129 34947 181 34117 464 34291 461 34653 129 34949 181 34119 464 34292 131 34654 459 34950 181 34120 464 34293 131 34655 459 34951 181 34134 133 34420 522 34667 129 34952 181 34135 133 34428 458 34668 129 34953 181 34141 464 34429 128 34669 459 34956 100 34142 464 34431 522 34677 481 34957 180 34145 134 34432 522 34683 480 34972 150 34201 460 34433 458 34684 481 34974 150 34202 460 34434 458 34685 481 34981 181 34203 130 34436 458 34688 480 34982 181 34205 130 34442 458 34689 480 34983 181 34207 130 34446 458 34690 129 34984 181 34208 460 34448 128 34691 129 34986 181 34209 130 34449 127 34695 480 34987 141 34210 130 34450 458 34698 480 34990 100 34211 460 34452 458 34705 521 34994 180 34212 460 34453 458 34711 521 34996 180 34215 130 34461 458 34714 521 34997 180