Policy issued by Commerce Insurance Company – [Webster, MA]

Vermont

Automobile

Manual

Vermont Automobile I TABLE OF CONTENTS Page INTRODUCTION……………………………………………………………………………………………..1

UNDERWRITING PHILOSOPHY STATEMENT 2 REQUIRED AUTOMOBILE QUESTIONNIARES AND FORMS 3 POINTS TO REMEMBER 3 ELIGIBILITY 4, 5 BASIC PROGRAM ELIGIBILITY 4 VEHICLE ELIGIBILITY 4 UNACCEPTABLE DRIVING HISTORY 4-5 UNACCEPTABLE/CONCERNED VEHICLES 6 UNACCEPTABLE VEHICLE LISTING 6 CONCERENED VEHICLE LISTING 7 DISCOUNTS 8 - 11 ACCOUNT DISCOUNT 8 AFFINITY DISCOUNT 8 ANTI-THEFT DEVICE DISCOUNT 8 CAREFUL DRIVER DISCOUNT 9 COMPANY CAR DISCOUNT 9 EFT DISCOUNT 9 HOME OWNERSHIP 9 HOUSEHOLD COMPOSITION FACTOR 9 LOSS FREE DISCOUNT 9 MORE VEHICLES THAN DRIVER CREDIT 9 MULTI-CAR DISCOUNT 10 NON-SMOKER DISCOUNT 10 PAID IN FULL DISCOUNT 10 PASSIVE RESTRAINT DISCOUNT 10 YOUTHFUL OPERATOR DISCOUNTS TEEN CONTRACT WITH MMA 10 GOOD STUDENT DISCOUNT 10 EXTENDED STUDENT DISCOUNT 11 DRIVER TRAINING DISCOUNT 11 STUDENT OVER 100 MILES FROM HOME DISCOUNT 11 OPTIONAL COVERAGES 12 – 19 ARTISAN CLASS 12 AUDIO/VISUAL AND ELECTRONIC DATA EQUIPMENT 12 CLASSIC/ANTIQUE CAR 12 - 14 CORPORATE OWNED AUTOMOBILES 14

Vermont Automobile II

TABLE OF CONTENTS Page CUSTOMIZED EQUIPMENT 14, 15 DAMAGE TO YOUR AUTO 15 EXTENDED NON-OWNED 15 EXTENDED TRANSPORTATION 16 FULL SAFETY GLASS COVERAGE 16 INCREASED DEDUCTIBLE FACTOR 16, 17 INCREASED LIMITS FOR EXCESS SOUND REPRODUCING EQUIPMENT 17 LOAN/LEASE COVERAGE 17 MEDICAL PAYMENTS 17 MOTOR HOMES 18 STATED AMOUNT 18 TOWING AND LABOR 18 TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER AUTOMOBILES 19 UNINSURED/UNDERINSURED MOTORIST COVERAGE 19 RATING RULES 20 - 40

GENERAL RATING RULES

PREMIUM DETERMINATION 20 RATE FACTOR CLASSIFICATION 20, 21 USE CLASSIFICATION – COMMERCE AUTOSURANCE PROGRAM 21 - 23 AGE, SEX AND MARITAL STATUS CLASSIFICATION 23 - 25 USE CLASSIFICATION – ALL OTHER PROGRAMS 25, 26 AGE, SEX AND MARITAL STATUS CLASSIFICATION 26 - 28 RULES FOR DETERMINING PHYSICAL DAMAGE BASE RATES FOR SYMBOLS NOT DISPLAYED ON STATE RATE PAGES 28, 29 CHANGES 29 CANCELLATION 29 SUSPENSION OF COVERAGE 29 MINIMUM PREMIUM 30 WHOLE DOLLAR PREMIUM 30 RATING TERRITORIES 31 - 37 SAFE DRIVER INSURANCE PLAN (SDIP) 38 - 42 ELIGIBILITY 38 DEFINITIONS 38 – 40 EXPERIENCE PERIOD 40 DRIVING RECORD SUB CLASSIFICATIONS 41 MULTI-CAR RISKS 41 ADMINISTRATION OF SDIP 41 PERSONAL LINES AUTO VIOLATION REFERENCE GUIDE 42

Vermont Automobile 3 TABLE OF CONTENTS Page COST NEW SYMBOL RATING 43, 44 RATES AND RATE CHARTS R1 – R53 STATISTICAL CODES AND RATING FACTORS R1 – R32 COMMERCEAUTOSURANCE PROGRAM R1 – R6 ASSURANCE R7 – R9 MASTER R10 – R12 SUPER PREFERRED R13 – R15 SUPER PREFERRED SELECT R16 – R18 PREFERRED R19 – R21 PREFERRED SELECT R22 – R24 STANDARD R25 – R27 STANDARD SELECT R28 – R30 EXTENDED STUDENT – COMMERCE AUTOSURANCE PROGRAM R31 EXTENDED STUDENT – ALL OTHER PROGRAMS R32 BASE RATES R33 – R35 COMMERCE AUTOSURANCE PROGRAM R33 ASSURANCE R33 MASTER R33 SUPER PREFERRED R34 SUPER PREFERRED SELECT R34 PREFERRED R34 PREFERRED SELECT R35 STANDARD R35 STANDARD SELECT R35 MODEL YEAR/SYMBOL FACTORS R36 –R47 COMMERCE AUTOSURANCE PROGRAM R36 – R39 ASSURANCE, MASTER R40 – R43 SUPER PREFERRED, SUPER PREFERRED SELECT, PREFERRED, PREFERRED SELECT, STANDARD, STANDARD SELECT R44 – R47 RATING FACTOR CHARTS R43 – R53 CHART #1 - CAREFUL DRIVER CREDIT R48 CHART #2 – FINANCIAL RESPONSIBILITY R49 CHART #3 - HOUSEHOLD COMPOSITION R49 CHART #4 – EXTENDED NON-OWNED R50 CHART #5 – EXCESS SOUND REPRODUCING / AUDIO / VISUAL AND ELECTRONIC DATA EQUIPMENT R50 CHART #6 – UTILITY TRAILERS R51 CHART #7 – UM LIMIT FACTORS R51 CHART #8 – BI/PD/CSL INCREASED/DECREASED LIMIT FACTORS R51 CHART #9 – COMMERCE AUTOSURANCE PROGRAM TIER RELATIVITIES R52

Vermont Automobile 4 TABLE OF CONTENTS Page CHART #10 – COMMERCE AUTOSURANCE PROGRAM LIABILITY SYMBOL RELATIVITIES.R53 APPENDIX A FAIR CREDIT AND REPORTING ACT (FCRA) NOTIFICATION LETTER A1 INEXPERIENCED OPERATOR QUESTIONNAIRE WITH TEEN CONTRACT A2, A3 HEALTH STATEMENT A4 VAN & PICKUP QUESTIONNAIRE A5

Vermont Automobile 5 INTRODUCTION

MAPFRE Insurance’s writing company, Commerce Insurance Company, offers a multivariate inte-grated Personal Automobile Program providing (1) Personal Liability protection, including Uninsured Motorist, (2) Physical Damage coverage for the insured vehicles, and (3) other Optional Coverages for the policyholder.

The eligible policyholder is considered the Named Insured when the policy is written in that person’s name. Additionally, that person’s spouse, if a member of the same household, is automatically considered a Named Insured, even if the policy is not co-written in both spouses’ names. A Corporation can be an Additional Insured using our Corporate Owned Auto Endorsement; however, can not be the Named Insured.

The multivariate Automobile Program consists of multiple rating tiers containing a variety of risk attribute elements. The traditional rating classes of age, gender, and marital status, along with the usage classes have been retained; yet expanded. There are more age and usage breaks, creating less rate differential between the various rating brackets.

For this expanded Commerce Autosurance Program, the applicant or policyholder and household members must match the Program Philosophy Statement characteristics and the Eligibility Criteria that follows.

Vermont Automobile 1 UNDERWRITING PHILOSOPHY STATEMENT

Commerce’s Personal Lines Automobile program is intended to provide the agent with an effective means to compete, on a consistent basis against direct writers and large, locally domiciled, independent agency competition for a broad segment of the personal Automobile marketplace. The intent of our program is to tie in the client’s total personal insurance package using the “account development concept” and retain the account through the household lifecycle.

The market is intended for the agent who has a strong, personal knowledge of his or her customer base. The successful Commerce agent will practice an underwriting approach, which leads to sound selection judgments, based on a combination of positive risk characteristics.

All risks should display responsibility, stability, and maturity. Risks displaying these qualities to a high degree will generally be written in this multivariate rating program. Risk characteristics such as good driving record, stable family life, employment record, stable financial history and record, responsible social attitude, conservative life style, pride and maintenance of residence, and normal driving exposures all assist in determining the presence of responsibility, stability, and maturity.

A co-operative effort is needed on the part of the agent and company if profitable results are to be expected. We practice a “preventative” underwriting approach, which begins with the agent, our front- line underwriter. We look to the agent for his/her personal knowledge and evaluation of each applicant and exposure. Most importantly our agents must convey the picture of the insured and property to us by an accurate and thoroughly completed application with supporting documents, where necessary.

Experience gained over the years has determined which book of business profiles are likely to produce a profit. We record each new business submission and continuously review the quantity and quality, contacting the agent if any adverse trends are developing. If there are adverse trends or classes of business that could lead to unprofitable results, an action plan will be developed with the agent to correct these trends. This is considered “preventative underwriting”.

The concept of constructive “inforce” underwriting is a normal extension of the “preventative” approach necessary to develop a profitable book of business. Inforce underwriting is done through the combined efforts of the Claims, Sales, and Underwriting Departments. All relevant claim and policy information is conveyed to the Underwriting Department on a regular basis so the risk can be thoroughly developed. With this emphasis on “preventative” underwriting, we are confident that we are in a good position to develop a consistently profitable book of business.

Vermont Automobile 2 REQUIRED AUTOMOBILE QUESTIONNAIRES & FORMS  ACORD Application – required with all new automobile applications signed and dated by the named insured and the licensed appointed agent of record. This is to be retained in the agency file. (see Appendix A1)  Health Statement – for all insureds age 75 and over, signed and dated by the insured. This must be sent to the company within 30 days of the effective date. (see Appendix A4)  Youthful Operator Questionnaire – front & back of form (excluding Teen Contract portion, unless applicable) must be completed by all insureds age 22 and under. If youthful driver is insured elsewhere, only front portion is required. This must be sent to the company within 30 days of the effective date. (see Appendix A2)  The Teen Contract w/CIC should be completed by youthful and parent only if insured wishes to obtain the “Contract With CIC” youthful credit, and agrees to all the terms within the contract. This option is available for youthful drivers age 18 and under. This must be sent to the company within 30 days of the effective date. (see Appendix A3)  Van & Pickup Questionnaire – for vans or pickups that have been altered or modified and have physical damage coverage. This is to be retained in the agency file. (see Appendix A5)

POINTS TO REMEMBER  We encourage you to contact your underwriter if the stability and responsibility risk profile characteristics are good, but:  you are unsure about the eligibility of the risk,  the risk characteristics exceed the Agency Binding Authority in some way, or  an insured vehicle is away at school with a youthful.  New Automobile policies will be written for a period of 1 year.  MVR and CLUE reports will be ordered for each driver in the household, even if insured elsewhere.  Credit Reports will be run on only 1 Named Insured (age 26 or over).  ADD (Additional Driver Discovery) report will be ordered for each policy.  For any vehicle driven to work, a Risk Meter, Miles one Way report will be ordered and used in the calculation of the mileage.  Coverage must be obtained separately for vehicles solely owned by named insured’s children. Parent/child co-signed vehicles are acceptable.  The underwriting experience period is 3 years prior to date policy is underwritten or thirty-nine (39) months preceding the renewal date.  Major violations do not have an experience period restriction.  If the necessary underwriting and/or processing information is not received for new business or renewal business, we have the right to issue a legal notice of termination giving the insured 45 days (plus mailing) as permitted by Title 8 V.S.A § 4223 Cancellation of Automobile Insurance

Vermont Automobile 3

BASIC PROGRAM ELIGIBILITY CRITERIA  Named Insured includes spouse if resident of household even if not written in both names.  No lapse in coverage or backdating of coverage.  No impairments that could adversely affect the safe operation of a vehicle.  Insured vehicles should not be provided for the regular use of anyone who does not reside in the household.  No undisclosed or misrepresented driving history.  3 years verifiable driving history for drivers age 20 and over. If previous residence was out of country, must have at least 1 year verifiable driving history in U.S.  No drivers age 16-24 with sporty type vehicles or vehicles with high rollover potential (refer to the Concerned Vehicle List on Page 7).  No school suspensions or apprehensions record for drivers age 16-22.  Favorable Youthful Operator Questionnaire for drivers age 16-22.  Favorable Health Statements required for drivers age 75 and older.  All household members must qualify for the Commerce Insurance Auto program, even if they are insured elsewhere.  Vehicles with an ISO symbol of 27 for model years 2010 and prior, or cost new of $80,001 or higher need prior underwriting approval.  Vehicles with an ISO symbol of 63 for model years 2011 and greater, or cost new of $85,001 or higher need prior underwriting approval.  Named Insured age 16 – 20 may have standalone policy only if parent’s policy is with Commerce Insurance, must be employed or have a recent college degree or must have grades of C or 2.5 GPA or better.  No Major Violations (license suspension and revocation are considered a major violation)  Youthful (16-20 years of age) with vehicle away at school is generally not acceptable.

Vehicle requirements:  Vehicles must be registered and regularly located in the state of the named insured’s residence as indicated on the policy.  Must be in good condition with no existing body or glass damage.  Must be individually owned (resident spouse included) or leased for a continuous period of at least 12 months in the name of the Insured or corporately owned in accordance with our guidelines. A vehicle may be co-owned/leased by a household driver and their named insured parent.  At least 1 vehicle must have physical damage coverage (Comprehensive and Collision Coverage)  Cannot be used for delivery or as public livery conveyance for passengers (car pools are acceptable).  Cannot be used by an employee.  Cannot be rented to others.  Classic or antique vehicles with physical damage coverage require an appraisal within the last 5 years. Appraisal must be done by a licensed appraiser, appraisal service and must include photos showing the front, rear and both sides of the vehicle.  Must be a private passenger automobile which is a four-wheel motor vehicle.  Eligible truck types are limited to pick-up trucks, panel trucks, or vans that meet the following criteria: o the load capacity does not exceed 1 ton and is not a dual rear wheel , o the gross vehicle weight does not exceed 10,000 lbs., o if the truck is used in business it must meet company guidelines.  Self-propelled motor homes, trailers, or antique cars which are written on a stated amount basis must be registered for public road use.

Unacceptable Driving History – past 36 months history from the effective date of application or 39 months history from the renewal effective date.

 All Drivers . No more than 6 combined accidents and violations . No single vehicle at fault accidents . No license suspensions, revocations, or major convictions in the household.

Vermont Automobile 4 . No SR22 filing . No more than 4 chargeable points per household

 Non Youthful Operators (Age 21 and older) . Per Household  No more than 3 Comprehensive claims  No more than 2 theft/vandalism claims . Per Driver  No more than 2 At fault accidents or  No more than 2 Violations  No more than 2 Not at fault accidents  No more than 2 combined at fault accidents and violations  No more than 3 combined at fault accidents, not at fault accidents, violations or comprehensive losses

 Youthful Operators (16-20 years of age) . Can not be more than 1 of the following  At fault accident  Violation  Comprehensive claim . Can not be more than 2 of the following  Not at fault accident

 Elderly Drivers (Age 75 and greater) . Per Driver 75 and older  No more than 1 . AAF  No more than 2 . NAF . Comp (excluding glass/tow)  No more than a combination of 2 per driver . AAF . MVL . NAF . Comp (excluding glass/tow)  Credit Score . < 500  No Incidents . 500-599  No more than 1 or combination thereof per household . At Fault accident . Violation  No more than 2 or combination thereof per household . Not at Fault Accident . Comp Loss (excluding glass/tow)  No more than 1 or combination thereof per driver . Not at Fault Accident . At fault accident . Violation . Comp Loss (excluding glass/tow) .  Mono-Line Policies . No more than 4 AAF/NAF/MVL/Comp (excluding glass and tow) or combination of per household.

Vermont Automobile 5 Unacceptable/Concerned Vehicle List The vehicles appearing on these lists have characteristics that result in concerns for their eligibility for Commerce Insurance Company's Automobile Program. The vehicle characteristics are defined by the following categories:  Exotic - Limited production, high value & specialized manufactured vehicles.  High Value - New car value in excess of $80,000. For model year 2010 and prior, the ISO Symbol Manual identifies these vehicles as symbol 27. For model year 2011 and later, the ISO Symbol Manual identifies these vehicles as symbol 62. In addition to price new, consideration is given to the cost of replacement parts.  High performance or older model "muscle cars" - High speed and performance capability, 0 to 60 mph in 5.9 seconds or less and/or top speed of 135 mph or more.  Sport Cars - Generally two seater/passenger vehicles with the design emphasizing handling and acceleration capabilities beyond the needs of every day driving.  High center of gravity vehicles - Higher than average rollover potential and designed for off road use.  High theft vehicles - Consistently the highest frequency rate of partial or total vehicle thefts. Another component of partial thefts is the vandalism exposure that generally is associated with the claim.

Other categories of vehicles that are considered an unacceptable class of vehicles are the "Grey Market ","kit", "homemade" and "altered" cars.

The "Grey Market" vehicles are foreign manufactured and purchased cars. By nature of these vehicles, parts are difficult to obtain. In addition, the cost of those parts as well as labor is very high and not contemplated in the ISO symbol pricing. Many of these vehicles do not comply with U.S. standards for emissions and safety requirements.

Any foreign vehicle where the Vehicle Identification Number (VIN) does not match the ISO designated number series likely to be a “Grey Market " vehicle and should be avoided.

The "kit", "homemade"' and "altered" vehicles also represent significant liability hazards and should be avoided.

Unacceptable Vehicle Listing

The vehicles identified below are considered unacceptable vehicles for the Commerce Autosurance Program

Make Model Make Model Alfa Romeo 8C Competizione Lamborghini (all models) Alfa Romeo Spider Lotus (all models) Aston Martin (all models) Maserati (all models) Bentley (all models) Mercedes McLaren Buggati Panoz Esperante Daihatsu Rocky* Rolls Royce (all models) Delorean Saleen Dodge Viper Suzuki Samari* Ferrari (all models) Suzuki Sidekick* GMC Cyclone Pickup Suzuki X90* GMC Typhoon Sport Utility Vehicle Yugo HumVee/Hummer 1 Audi R8 Jeep YJ Ford GT Jeep XJ Shelby AC Cobra

Vermont Automobile 6 Concerned Vehicle Listing

Concerned Vehicles are vehicles that require strong stable and mature household characteristics to be considered for the Commerce Autosurance Program

Make Model Acura NSX Geo Tracker* Mitsubishi Lancer Evolution AMC Javelin Honda Civic Del Sol* Mitsubishi Spyder GS Audi R series Honda Civic Si Mitsubishi Starion Turbo Audi S4 Quattro Honda CRX-Si* Neon SRT-4 Audi TT Honda Prelude V-Techs Nissan 200SX SER* BMW 850I Honda S2000 Nissan 300ZX turbos BMW Z3 Roadster Hummer H1 Nissan 350 Z BMW Z4 Hummer Hum-Vee Nissan 370Z Buick GS Hyundai Tiburon GT Oldsmobile 442 Buick Regal Gran National Jaguar XJ220 Plymouth Barracuda Chevrolet Camaro (all V-8’s)* Jaguar XJS Plymouth Galaxie Chevrolet Camaro Z Jaguar XK8 Plymouth Roadrunner Chevrolet Cavalier Z24* Jaguar XKE* Pontiac Fiero* Chevrolet Cobalt SS Jaguar XKR Pontiac Firebird Firehawk* Chevrolet Corvette (all models) Jeep CJ Pontiac GTO Chrysler Crossfire SRT Jeep Wrangler models (up to Pontiac Trans-Am and including 2004)* Dodge Challenger Lexus SC 430 Porsche (all models) Dodge Charger SRT 8 Mazda Miata* Subaru SVX Dodge Charger ST Mazda MX3* Subaru WRX turbo* Dodge Neon SRT 4 Mazda RX-7 Toyota MR2 Dodge Ram SRT – 10 Mazda RX-8 Toyota MR2 Spider Dodge Stealth Mazda Speed 3 Toyota Rav4* (up to and including 2004) Eagle Talon (Tsi, Tsi 4WD)* Mazda Speed 6 Toyota Supra (since 1994) Fiat Spider and X/19* Mercedes Benz AMG Triumph (all models)* Ford F-150 “Lightning” Mercury Cougar Volkswagen Corrado Ford Mustang MG (all)* Volkswagen GTI Ford Mustang (all V-8’s)* Mitsubishi 3000 GT Volkswagen R32 Ford Torino Mitsubishi Eclipse turbo Volkswagen Scirocco models Geo Storm GSI

If the vehicle is not listed but fits into any of the above listed categories, please contact underwriting before binding coverage.

Vermont Automobile 7 AUTOMOBILE DISCOUNTS 1. Account Discount

In all program tiers other than Autosurance, the total automobile premium will be reduced by 10% if the Named Insured is also covered by a CIC Homeowner’s (HO-3) or Condo (HO-6) and by 5% if the Named Insured has a CIC Tenant (HO-4), or Dwelling Fire (DP-1, DP-2 or DP-3) policy.

In the Autosurance tier, the total automobile premium will be reduced by 13% if the Named Insured is also covered by a CIC Homeowner’s (HO-3) or Condo (HO-6) and by 8% if the Named Insured has a CIC Tenant (HO-4), or Dwelling Fire (DP-1, DP-2 or DP-3) policy.

2. Affinity Group Discount The total automobile policy premium will be reduced by 3% for a policyholder who is an affinity group member. Eligible members qualifying for the Affinity Group Program are all the individuals who are actively employed by a specified employer, or are members of a specified association or organization, or members of a specified labor or credit union. The Affinity Group must have 20 or more active members or employees. It is not limited to a maximum number or restricted to any level of member or employee with the exception of being active in their membership or employment.

The term “specified” means the group specifically identified to the Company and has been accepted as an Affinity Group.

It would be agent’s responsibility to apply discount.

3. Anti-Theft Device Discount The Comprehensive premium will be reduced by 5% if the vehicle is equipped with: a) An “Active Alarm” - a siren alarm that must be manually activated. b) A “Disabling Device” – locks the ignition, fuel system, or steering column. c) A “Window ID” – the vehicle identification number is etched on the window. The Comprehensive premium will be reduced by 15% if the vehicle is equipped with: a) A “Passive Alarm” – a siren alarm that automatically activates when the vehicle is and/or the doors are locked. b) A “Vehicle Recovery System” – a tracking device which emits a signal to a police or monitoring station when the vehicle is reported stolen.

The maximum total Anti-Theft Device Discount for combination of all possible devices is 15%.

4. Careful Driver Discount The class code rating factor for each [rated] driver may be reduced by the appropriate amount as shown in Chart #1 in the Rating Section, based on the number of losses/violations per policy and the number of drivers on the policy who are age 20 and older. Note the first not-at-fault accident, any claim where the vehicle is hit while parked or any comprehensive claim (excluding theft or vandalism) will not be counted as a loss. Also, youthfuls age 16-19 are not counted as drivers, but any accidents or violations they have are counted as losses on the policy. For New and Renewal Business, the discount is based upon the number of losses/violations in the past three years. For New and Renewal Business, a four and five year incident-free credit is available. See example below.

Vermont Automobile 8

Example: New Business effective 11/1/09 in Preferred Program Driver 1 = age 46, Driver 2 = age 20, Driver 3 = age 17 Driver 1 has 7/20/07 violation, Driver 2 has a glass claim, and Driver 3 has 12/11/08 violation. Number of Drivers age 20 and older and have been licensed at least 3 years = 2 Number of Incidents per household = 2 (7/20/07 violation, 12/11/08 violation) Discount = -.09 5. Company Car Discount The Company Car Discount will reduce by 20% (10% for AS & MA tiers) the premiums for Liability, Medical Payments, Comprehensive and Collision Coverages on a single car policy if there is a vehicle in the household that is furnished for the regular use of the insured by his/her employer.

6. Electronic Funds Transfer (EFT) Discount (Does not apply to Commerce Autosurance Program) The total automobile premium will be reduced by 5% if the insured chooses the EFT billing option. This option is available on the 4, 8, and 12-pay Account Bill Plans and there is never a service charge with EFT.

7. Homeownership Discount (Not Available in AS & MA Tiers) The total automobile premium will be reduced by 10% if the named insured has a Commerce Insurance Personal Automobile Policy and owns a Home or a Condo (as a primary residence) which is insured with another carrier.

8. Household Composition Factor Refer to Chart #3 in the rating Section for rating factors relating the number of vehicles to the number of drivers on the policy.

9. Loss Free Discount (Applies only to AS & MA Tiers) The Total Automobile Premium will be reduced by 5% for a risk that has been accident free for 36 consecutive months (3 years). 1) A “Loss” for this credit is defined as any claim made which concluded with: a) any Bodily Injury Liability and/or Property Damage Liability in excess of $900; b) any combination of Property Damage Liability and Collision in excess of $900; c) any at Collision loss in excess of $1,000; or d) any second or subsequent Property Damage Liability or Collision loss(es) less than $900. 10. More Vehicles Than Driver Credit (Applies only to AS & MA Tiers) For each vehicle in excess of the number of operators, use the “all other/farm” class factor or the current class factor, which ever is less.

11. Multi-Car Discount Applies to policies with 2 or more vehicles and includes all vehicle types with the exception of Motor Homes and Antique cars. Refer to appropriate Classification Factors chart in Rating Section for specific rating factors.

Vermont Automobile 9

12. Non-Smoker Credit (Does not apply to AS, MA or Commerce Autosurance Program) The total automobile premium will be reduced by 5% if we receive a signed statement from the Named Insured indicating no drivers on the policy smoke.

13. Paid in Full Discount (Does not apply to AS, MA or Commerce Autosurance Program)

The total automobile premium will be reduced by 5% if the insured chooses the pay in full billing option. There is no service charge with pay in full.

14. Passive Restraint Discount

Medical Payments will be reduced by 30% on each vehicle equipped with passive restraints and/or airbag(s).

15. Youthful Operator Discounts a) Teen Contract with CIC (Does not apply to Assur Plus, Assur, Dtls)

The rating factor will be replaced by the appropriate 19-20 year old rating factor if the youthful driver, age 16-18 only, signs a contract agreeing to the following (Note the youthful class code remains unchanged):  maintain at least B or 3.0 GPA  complete approved Driver Training Course  wear seatbelts at all times (applies to driver and passengers)  never drive under influence of alcohol or drugs  obey all traffic control laws

and the parent(s) sign a similar contract agreeing to the following:

 impose reasonable curfew based on teen’s academic, social, and work schedule  limit passengers in vehicle to 1 other teen (excluding family members)  restrict driving during inclement weather

NOTE: In addition to the above requirements, the Inexperienced can have no accidents or violations.

b) Good Student Discount –

The class code rating factor will be reduced by the appropriate amount as shown in the Classification Factor charts (Rating Section) if the driver is age 16-20 and is currently enrolled in school with a “B” or better grade average. Copy of most recent grades required and must be updated each policy renewal to maintain the discount.

c) Extended Good Student Discount -

The class code rating factor can be found in the Classification Factor charts (Rating Section). This discount applies to Males age 21-29 and Females age 21-24, if they are not already rated using the “All Other” Classification. They must be either currently enrolled as a full-time student in a 4-year college or university with a “B” or better grade average or have graduated from college with a Bachelors degree and a “B” or better grade average. Copy of most recent grades required and must be updated (while still in school) at each policy renewal to maintain the discount.

Vermont Automobile 10 d) Driver Training Discount -

The class code rating factor will be reduced for each [rated] driver under the age of 21 (as shown in the Classification Factor charts in Rating Section) if the driver has successfully completed a Driver Training Course that meets the following criteria and has provided us with proof of completion: - minimum of 30 hours classroom instructions - minimum of 6 hours actual driving time (per student) - course was conducted by State Certified instructors

e) Student Over 100 Miles From Home Discount –

This discount applies to an Inexperienced Unmarried Female/Male Operator who is a rated driver on our policy, and is away without a car, at a school or college over 100 miles from the place of principal garaging of the rated vehicle. The applicable rating factor is the “married” class factor for the appropriate youthful class. If the married class factor is higher, use the otherwise applicable “unmarried” factor.

* All youthful operators are eligible for this credit whether they are on the policy at inception or added at a later date.

Vermont Automobile 11 OPTIONAL COVERAGES 1. Artisan Class (AART 01 01) An artisan is one who invests time and education, and participates in an apprenticeship to learn a specialized trade where the work is primarily done in a shop or on a job site (such as electrician, plumber, carpenter, mason, etc.). The business should not be primarily wholesale, retail delivery, or for-hire delivery. There should be no employee exposure other than resident family members. The vehicle should be registered to an individual. Gross vehicle weight should not exceed 10,000 pounds. The pulling of a utility trailer in conjunction with the business is not acceptable. If the vehicle is used in the business it will receive the business rate. 2. Audio/Visual and Electronic Data Equipment (PP 03 13) May be purchased up to a limit of $10,000 for permanently installed electronic equipment that receives or transmits audio, visual, or data signals and is not designed solely for the reproduction of sound. Coverage for the accessories used with such equipment may also be purchased. The same provisions and exclusions relating to Comprehensive and Collision coverage apply. Comprehensive and/or Collision coverage must exist for coverage to apply. The deductible does not apply to a Sound Receiving and Transmitting Equipment claim. See Chart #5 in Rating Section for premiums.

3. Classic/Antique Cars a) Definitions 1) A classic car is a stock (or restored) automobile which is well maintained, and has an unusually high value because of its age. A replica or reproduction automobile may be eligible to be insured as a classic car. The word “automobile” does NOT include: hot rods, street rods, “funny cars”, customized show cars, or similar automobiles; or any altered or modified automobile, except that minor changes necessary to restore an automobile are permitted. 2) For rating purposes, classic cars are of two kinds: (a) Antique: The automobile is over twenty (20) years old and is maintained solely for restricted use, is used only infrequently (not driven more than 3,000 miles annually). (b) Classic: The automobile is over twenty (20) years old and is used on a regular basis.

Vermont Automobile 12 b) Comprehensive and Collision Coverages These coverages are written only on a stated amount basis, which is the full actual cash value of the automobile at the time insurance is purchased. It is the insured’s responsibility to adjust (up or down) the stated amount to accurately reflect changes in a classic car’s value. NOTE: The company’s limit of liability for loss under Comprehensive and Collision insurance will be the lesser of: (a) The actual cash value of the stolen or damaged property, (b) The cost of replacing or repairing the stolen or damaged property or a part thereof, or (c) ) the stated amount. Any depreciation in the value of the automobile due to unavailability of any part of the automobile does not constitute loss.

c) Premium Determination Refer to the Territory Definitions in the Rating Section to determine the rating territory. 1) Antique Cars: (a) Antique Cars are not: (1) classification rated, or (2) eligible for classification rating discounts. The rate class is always shown as 962000 and the body style is always shown as “antique” on applications. (b) Bodily Injury Liability, Property Damage, Medical, Reparations Benefits, and UM coverages: Multiply the private passenger base premiums for the desired limits of coverage (for the appropriate rating territory) by 0.40. The results are the final premiums for the desired coverages. (c) Comprehensive and Collision coverage: Determine the stated amount (actual cash value of the automobile) to the nearest $100. Determine the annual rate per $100 of coverage from the chart below, depending upon coverage and deductible:

Comprehensive

Deductible Rate Deductible Rate $0 $1.56 $100 $2.02 $50 $1.12 $200 $1.76 $100 $0.92 $500 $1.32 $200 $0.70 $1,000 $0.96 $500 $0.52 $1,000 $0.36

Multiply the Rate per $100 by the Stated Amount in $100’s to determine the base rate. (d) The manual premiums for the Optional coverages of Towing & Labor and Extended Transportation are the full premium and not adjusted by the

Vermont Automobile 13 Classification Factors. 2) Classic Cars: (a) Classic cars are rated as private passenger automobiles (1) the symbol is determined by the automobile's stated amount, and (2) the base premiums are those for the current model year (not for the automobile's actual model year). (b) The body style is always shown as "CLASSIC" on applications. 3) In determining a classic car's Physical Damage premium, the stated amount is converted to a symbol (refer to ISO Cost New/Symbol Pages). In assigning a model year/symbol rating factor, the model year used, regardless of the actual model year of the vehicle, will be the current model year if the policy effective date is prior to Oct. 1, otherwise it will be the following model year. However, on the application for a classic car, it is necessary to show the stated amount (not the symbol) in the Purchase Information box. 4. Corporate Owned Automobile (ACOR 01 02) We offer a program for individuals who register their vehicles in the name of their small business/corporation. The Insured must be a Corporate Officer and the corporation should not own more than 4 vehicles. The corporately owned vehicle used in business will receive the business rate. There should be no livery or delivery use of the vehicles except that which is incidental and occasional to the primary business of the named insured. There should be no employee exposure except other resident family members. Vehicle modification should be pre- approved by your Underwriter.

5. Customized Equipment (PP 03 18) This is purchased for physical damage to custom furnishings or equipment that is specifically identified, such as special carpeting, furniture, television receivers, facilities for cooking, refrigeration and sleeping, high extended roofs, murals, paintings or decals. Customized Equipment coverage is only available if comprehensive and/or collision coverage exists and the claim is covered by the applicable physical damage coverage. The deductible shown in the Declarations page is applied only once if the loss results in damage to the vehicle and its customized equipment, and the cost of the equipment should not be considered when determining symbol of vehicle. Rate as follows: a) Find base rate for comprehensive and/or collision coverage from the Territory Base Rate pages. b) Multiply by the factor for the most current model year, and for Symbol 5, as displayed in the Model Year/Symbol Factors chart. c) Multiply by the appropriate deductible factor shown in the rate pages. d) To get the rate per $100 of coverage, multiply the rate determined in step c) by the following factors: Comprehensive 0.010 Collision 0.004

e) Multiply the rate per $100 determined in step d) by the stated amount of coverage in $000’s.

Vermont Automobile 14 This is the base premium for Customized Equipment coverage. 6. Damage to Your Auto – Replacement Cost (ARR 0106) This additional coverage can be purchased to provide replacement cost physical damage coverage in the event of a total loss, excluding theft losses. The vehicle must be 5 model years old or less and be carrying both comprehensive and collision coverages. We will automatically remove this coverage on vehicles older than 5 model years and send written notification to the insured that it was removed from their renewal policy. The premium will be calculated by applying the appropriate factor below to the applicable comprehensive and collision premiums.

Model Year Age of Rating Factor Vehicle Less than 1 year 0.15 1 0.25 2 0.40 3 0.55 4 0.70 5* 0.85 * Note: Last year the coverage is available

7. Domestic Partner (Dom Part 02 06) The Domestic Partner Insuring Agreement amends the definition of the named insured to include the named insured’s domestic partner. To qualify, the domestic partner must be an adult of 18 years of age or older who has chosen to:

- share his or her life in a long-term and committed relationship of mutual care - reside in the same household - be jointly responsible for basic living expenses with another person.

The signatures of both domestic partners are required. There are other special conditions that apply to this endorsement. Please refer to the special conditions section of the form.

There is no premium charge associated with this endorsement.

8. Extended Non-Owned (PP 03 06) Can be purchased for the Named Insured(s) only to extend liability coverage for the use of a non- owned vehicle. The coverage does not apply for owned vehicles, or those vehicles owned by a household member or used as a temporary substitute for such an owned vehicle. This coverage is only available when the primary insurance on the vehicle is through a commercial carrier or when the vehicle is used in the business of the U.S. Government. Chart #4 in Rating Section should be used to determine the premium for this coverage.

9. Extended Transportation (PP 03 02)

The basic policy provides for $20 per day, up to a maximum of $600 of coverage if the policyholder has purchased Comprehensive or Collision coverage, whichever is applicable to the loss. The basic premium charge vehicle is automatically included in the premium for each

Vermont Automobile 15 vehicle that has Comprehensive/ Collision coverage. These limits may be increased as shown below:

Per day/Maximum Limit Annual Premium $30/$900 $8 $40/$1,200 $16 $50/$1,500 $24 $75/$2,250 $44 $100/$3,000 $64

Coverage will apply once the vehicle has been inoperable for at least 24 hours from the time of loss. No deductible applies.

10. Full Safety Glass Coverage (PP 03 15)

May be purchased for each covered auto only when comprehensive coverage exists. Rate for Comprehensive coverage with Full Safety Glass is developed by taking the $50 deductible premium displayed in the Territory Base Rate Pages, multiply by appropriate Model Year and Symbol (shown on Model Year/Symbol Factors Chart), and then multiply result by sum of Comprehensive deductible factor and Full Safety Glass deductible factor as shown below.

Deductible Factor $50 .05 $100 .06 $250 .12 $500 .16 $1,000 .16

11. Increased Deductible Factor a. Comprehensive deductible for which no premium is shown – 1) charge the following percentages of the $50 deductible comprehensive premium (as Shown in Territory Base Rate pages):

Deductible Rate $0 140% $100 83% $200 63% $500 46% $1,000 33%

2) Use Model Year/Symbol Charts in Rating Section to determine correct Model Year/Symbol and multiply that factor by adjusted base rate as calculated in step 1).

b) Collision deductible for which no premium is shown – 1) charge the following percentages of the $200 deductible collision premium (Shown in Territory Base Rate pages):

Vermont Automobile 16

Deductible Rate $100 110% $500 75% $1,000 55%

2) Use Model Year/Symbol Charts in Rating Section to determine correct Model Year/Symbol and multiply that factor by adjusted base rate as calculated in step 1).

12. Increased Limits For Excess Sound Reproducing Equipment (PP 03 13) Coverage may be purchased up to a limit of $10,000 for permanently installed electronic equipment that receives or transmits audio, visual, sound or data signals. Coverage for the accessories used with such equipment may also be purchased. The same provisions and exclusions relating to Comprehensive and Collision coverage apply. Comprehensive and Collision coverage must exist for coverage to apply. See Chart #5 in Rating Section for premiums.

13. Loan / Lease Coverage (PP 03 35) A policy providing both comprehensive and collision coverage may be extended to provide Coverage for the difference between the outstanding indebtedness on a loan/lease agreement on a vehicle, and the actual cash value of the vehicle subject to the following: a) Auto Loan/Lease coverage may be provided only to a vehicle that is a private passenger auto, pickup or van; and b) An insured may request the Auto Loan/Lease coverage at anytime for a new or used vehicle. The premium will be calculated by applying a 9% rating factor to the applicable comprehensive and collision premiums.

14. Medical Payments May be purchased to cover medical expenses from an automobile accident. Limit is $5,000 and it will be paid as primary coverage over other insurance. If lower or higher limits are selected, apply the following factors to base rate as shown in Territory Base Rate pages (in Rating Section).

Limit Factors $1,000 0.67 $2,000 0.83 $5,000 1.00 $10,000 1.50 $25,000 2.28

15. Motor Homes Motor Homes are self-propelled motor vehicles with a living area that is an integral part of the vehicle chassis; or pick-up with a permanently attached camper body. The living area or camper body must consist of facilities for cooking and sleeping. a) Liability, Reparations Benefits, Uninsured and Underinsured Motorists Coverage Commerce Autosurance Program: charge 70% of the married male age 30 – 39/pleasure use rates for private passenger automobiles.

Vermont Automobile 17 All other Programs: charge 70% of the otherwise applicable All Other class/pleasure use rates for private passenger automobiles.

b) Physical Damage: 1) Determine the stated amount of the motor home, including the value of any custom built additions. 2) Based on the Stated Amount of coverage, assign a symbol in accordance with the ISO symbol pages. 3) Refer to the Territory Base Rate pages to find the base premium for this coverage based upon the model year and symbol of the vehicle. Multiply by any applicable deductible factors, and add-in full glass premium if applicable. 4) If the risk is pleasure use, multiply the result in 3) by the Motor Home Factor of 0.59 (59%), otherwise multiply the result in 3) by the classification factor. 5) The maximum limit for stated amount coverage will not exceed a total limit of $85,000.

16. Stated Amount For damage to the covered auto at a specific limit of value (this option is only available for specific vehicle types such as antique automobiles, motor homes, and trailers). To determine the specific limit of Physical Damage coverage for the auto, use the price new or the appraised value (Certified Appraisal). The limit of liability for the loss will be the lesser of the: a) stated amount shown in the Declarations for Comprehensive and/or Collision; b) actual cash value of the stolen or damaged property; or, c) amount necessary to repair or replace the damaged property. Stated Amount coverage does not mean that the policy provides you with a “Valued Coverage” limit. It is important for the named insured to routinely update the value of the vehicle for appropriate coverage. The deductible will apply.

17. Towing and Labor (PP 03 03) Towing or the road service of the disabled covered auto may be purchased when Comprehensive coverage exists. The road service must be done at the site of disablement.

Semi-Annual Limit Premium Annual Premium $50 $4 $8 $75 $6 $12

18. Trailers Designed for Use with Private Passenger Automobiles a) Liability - a personal automobile policy affording liability covers trailers designed for use with a private passenger automobile, pick-up, panel truck or van, without additional premium charge and without specific description of the trailer.

Exceptions: Coverage is not provided for a trailer: 1) That is used for business purposes with other than a private passenger automobile or owned pick-up, panel truck or van; or, 2) When no automobile is owned by the insured.

Vermont Automobile 18 b) Recreational trailers are defined as non-self-propelled units that are equipped with living quarters (including cooking, dining, plumbing or refrigeration facilities). To be eligible for coverage, the insured must maintain a separate and permanent residence other than the recreational trailer. - Recreational Trailers are rated like Motor Homes, refer to #14b for rating.

c) Utility trailers are defined as non-self propelled units that contain no living quarters and are used only to haul personal items. See Chart #6 in Rating Section for actual rates.

19. Uninsured/Underinsured Motorist Coverage This form of insurance shall be afforded under every automobile policy, at limits equal to the limit of liability that has been elected on the policy. See automobile contract for full definition of this coverage. Exception: The named insured(s) may, by signed written request, elect to lower limits but may not select limits less than $100,000 single limit or $50,000/100,000 split limit Uninsured/Underinsured Motorist Bodily Injury Coverage and $10,000 Uninsured Property Damage Coverage. 1) Basic Limits - Rates for $300,000 single limit uninsured/underinsured bodily injury motorist coverage and $10,000 uninsured property damage coverage are shown in the Territory Base Rate pages. 2) Increased/Decreased Limits - Rates for increased/decreased limits of single or split limit uninsured/underinsured motorist coverage, multiply the rate shown in Chart #7 in the Rating Section by base rate determined in step 1) above. The charge is applied to the first vehicle listed on the Declarations page.

Vermont Automobile 19 GENERAL RATING RULES Premium Determination Single Limit Bodily Injury Liability, or Split Limit Bodily Injury and Property Damage Liability, Medical Payments, Comprehensive and Collision premiums, referred to collectively hereafter as BASE PREMIUM, are determined as follows: 1) Refer to the classification rule to determine the applicable Primary and Secondary Classification and corresponding factors. 2) Refer to the ISO symbol pages to determine the appropriate symbol for the vehicle. In the case of a new model year vehicle where symbol years are not yet displayed in the symbol pages, use the symbol shown for the latest model year. To rate newly announced models and other models where no symbol is shown in the ISO symbol pages, determine a symbol based on original cost new from the price/symbol chart. 3) The following symbol chart will apply to model year vehicles prior to 2011 that have an ISO symbol 27 or have a cost new of $80,000 or higher. (applies to Super Preferred, Super Preferred Select, Preferred, Preferred Select, Standard, Standard Select and Commerce Autosurance Programs)

Symbol Value 27 $ 80,000 – $ 90,000 28 $ 90,001 – $100,000 29 $100,001 – $110,000 30 $110,001 – $120,000 31 $120,001 – $130,000 32 $130,001 – $140,000 33 $140,001 +

4) Pickups and vans should be rated as a private passenger vehicle whenever there is a symbol assigned. For non-symbolized pickups and vans determine the symbol based on original cost new from the price/symbol chart. When a pickup is used to transport a camper body or cover with no facilities for cooking or sleeping: a) Add the cost of the camper body or cover to the cost of the pickup and determine symbol from the price/symbol chart factor chart. b) When the pickup is used to transport a permanently attached camper body with facilities for cooking and sleeping, refer to the Motor Home section for rating. 5) Refer to the territory definitions to determine the rate table for the location where the automobile is principally garaged. 6) Refer to the appropriate territory rate page to determine the base rates for the desired coverage. 7) The premium for each coverage is determined by multiplying the base rate by the appropriate rating factors. See the applicable rating charts.

Rate Factor Classifications Automobiles owned by an individual, or owned jointly by resident relatives are classified as follows:

1. Primary Classification a) Classify the automobile according to the age, sex and marital status of the licensed operators, and b) The use of the automobile, and

Vermont Automobile 20 c) The eligibility of the licensed Inexperienced operators for driver training and/or good student classes, and d) Determine the applicable factor from the primary rating factor tables. 2. Secondary Classification a) Determine if the automobile is: 1) A single car risk or 2) Part of a multi-car risk.

b) Determine the following for each vehicle: 1) The number of SDIP points assignable. Points are generated by a driver, As described in the SDIP section of this manual. They are then assigned to the vehicle most frequently driven by the driver who generated the points. 3. Classification Changes Premium adjustments will be computed on a pro-rata basis when changes in primary and secondary rating classifications are made. This includes the addition or deletion of an operator during the policy term. Exceptions: a) A policy shall not be changed mid-term because of the attained age of an operator of the automobile. b) A policy shall not be changed mid-term to effect a change in the driving record subclassification for operators currently listed. c) A policy shall not be changed mid-term solely due to a change in symbol assignment by ISO. Use Classification – Commerce Autosurance Program 1. “Pleasure Use” means: “Pleasure Use” rating factor is broken into 3 categories: a) 0 commute  There is no business use of the automobile  The automobile is not driven to and from work/school

b) Work at home  There is no business use of the automobile  The automobile is not driven to and from work/school

c) >0 - 3 miles one way  There is no business use of the automobile  The automobile is customarily used for commuting work/school/public transportation lot (example; to a railroad, bus depot or commuter lot) less than four road miles, one way  The automobile is used for commuting to and from work/school/public transportation lot (example; to a railroad, bus depot or commuter lot) four or more, but less than eleven road miles, one way, and is used for commuting less than three days per week.

Vermont Automobile 21 2. “Short Commute” means: “Short Commute” is broken into 2 categories: a) 4 -10 miles one way  The automobile is used for work/school/public transportation lot (example; to a railroad, bus depot or commuter lot) four but less than eleven road miles, one way 3 or more days  There is no business use of the automobile,  The automobile is used for commuting work/school/public transportation lot (example: to a railroad, bus depot or commuter lot) eleven or more, but less than fifteen road miles, one way, and is used for commuting less than three days per week.

b) 11--14 miles one way  The automobile is used for work/school/public transportation lot (example; to a railroad, bus depot or commuter lot) eleven but less than fifteen road miles, one way 3 or more days  There is no business use of the automobile,  The automobile is used for commuting work/school/public transportation lot (example: to a railroad, bus depot or commuter lot) fifteen or more, but less than twenty-one road miles, one way, and is used for commuting less than three days per week.

3. “Long Commute” means: “Long Commute” is broken into 4 categories: a) 15 -20 miles one way  The automobile is used for work/school/public transportation lot (example; to a railroad, bus depot or commuter lot) fifteen but less than twenty-one road miles, one way 3 or more days  There is no business use of the automobile,  The automobile is used for commuting work/school/public transportation lot (example: to a railroad, bus depot or commuter lot) twenty-one or more, but less than thirty-one road miles, one way, and is used for commuting less than three days per week.

b) 21--30 miles one way  The automobile is used for work/school/public transportation lot (example; to a railroad, bus depot or commuter lot) twenty-one or more, but less than thirty- one road miles, one way 3 or more days  There is no business use of the automobile,  The automobile is used for commuting work/school/public transportation lot (example: to a railroad, bus depot or commuter lot) thirty-one or more, but less than fifty-one road miles, one way, and is used for commuting less than three days per week. c) 31- 50 miles one way  The automobile is used for work/school/public transportation lot (example; to a railroad, bus depot or commuter lot) thirty-one but less than fifty-one road miles, one way 3 or more days

 There is no business use of the automobile,

Vermont Automobile 22  The automobile is used for commuting work/school/public transportation lot (example: to a railroad, bus depot or commuter lot) fifty-one or more, road miles, one way, and is used for commuting less than three days per week.

d) 51 miles or more  The automobile is used for work/school/public transportation lot (example; to a railroad, bus depot or commuter lot) fifty-one or more road miles, one way 3 or more days  There is no business use of the automobile,

4. “Business Use” means:

a) The automobile is used in an occupation, profession or business, other than commuting as defined above; and, b) Vehicles such as pick-ups, panel trucks and vans are not eligible for private passenger automobile rating when used in an occupation, profession or business of the insured.

Age, Sex and Marital Status Classifications 1. “Youthful Operator” means an applicant or any other operator resident in the same household as the applicant, who customarily operates the auto, and is one of the following:

a) “Inexperienced Unmarried Female Operator” means an unmarried female less than 25 years of age who is not an owner or principal operator; b) “Inexperienced Unmarried Female Principal Operator” means an unmarried female less than 25 years of age who is a principal operator; c) “Inexperienced Married Male Operator” means a married male less than 25 years of age; d) “Inexperienced Unmarried Male Operator” means an unmarried male less than 25 years of age who is not an owner or principal operator; e) “Inexperienced Unmarried Male Principal Operator” means an unmarried male less than 25 years of age who is a principal operator. 2. “Age” means the age you attained on the last birthday. 3. “Married” means a married person living with his or her spouse and includes a person widowed, divorced or legally separated only if such person has custody of one or more resident children and civil unions as defined in Sec. 3. 15 V.S.A. Chapter 23 § 1201. 4. “Resident” means anyone residing in the same household, except: a) An individual in active military service with the armed forces of the United States of America shall not be considered a resident in the household unless such individual operates a covered automobile. However, military individual without an automobile will be considered a potential driving exposure. All driver information including driving history must be conveyed on the application or endorsement request. b) A Inexperienced Unmarried Female Operator or a Inexperienced Unmarried Male Operator who is a resident student without a car, at a school, college or educational institution over 100 road miles from the place of principal garaging of the rated automobile shall be considered a resident in the household and the automobile shall be eligible for the Student Over 100 Miles From Home Discount. The applicable rating factor is the “Married” class factor for the appropriate Inexperienced class. If the “Married” class factor is higher, then use the otherwise applicable “Unmarried” class factor.

Vermont Automobile 23 5. Inexperienced Operator Assignments a) Single Car Risks: The Inexperienced operator with the highest Primary Rating Factor shall apply. If applicable, the Driver Training and Good Student Discounts should be included. b) Multi-Car Risk: 1) Assign any Inexperienced principal operators to the autos they principally operate. 2) Assign other Inexperienced operators as follows: (a) Determine the primary rating factors to the automobile he/she operates most frequently. (b) Determine the applicable Inexperienced operator classification. These classifications shall be applied separately to the number of automobiles equal to the number of Inexperienced operators. (c) When the number of automobiles exceed the number of Inexperienced operators, the Inexperienced operator classification(s) shall be applied to the automobile most frequently driven by the operator. (d) After assigning Inexperienced operators to the applicable automobiles, each factor must be adjusted for the actual use of the automobile before determining and applying the secondary rating factor. (e) Any remaining automobiles are rated at the appropriate non-Inexperienced operator classification.

6. No Youthful Operator means: (1) A Youthful Operator classification is not applicable to the auto, and (2) The applicant or any other operator resident in the same household as the applicant who customarily operates the auto, or any other person who customarily operates the auto, is one of the following: (a) Operator Age 30-39 (b) Operator Age 40-49 (c) Operator Age 50-64 (d) Operator Age 65-74 (e) Operator Age 75-79 (f) Operator Age 80-84 (g) Operator Age 85 or Over SPECIAL NOTE: Any Inexperienced operator class shall apply in accordance with the Youthful Operator Assignments above. 7. More Vehicles than drivers Classification Assignment

When the number of vehicles exceeds the number of rated drivers on the policy, the extra vehicle (s) should be rated using the 30-39 Male Married classification. This does not apply if all rated drivers on the policy are age 50 - 69. In this case, the extra vehicle (s) should be rated using the rate classification that would apply the lowest rate factor.

NOTE: Any youthful operator class shall apply in accordance with the youthful operator rules.

Vermont Automobile 24 Use Classification – All Other Programs 1. “Pleasure Use” means:

a) The automobile is not driven to and from work/school; b) There is no business use of the automobile, and c) The automobile is customarily used for commuting less than three road miles, one way. d) The automobile is used for commuting three or more, but less than fifteen road miles, one way, and is used for commuting less than three days per week.

2. “Short Commute” means:

a) There is no business use of the automobile, b) The automobile is used for driving to and from work/school three but less than fifteen road miles, one way, and c) The automobile is used for driving part way to and from work/school (example; to a railroad, bus depot or commuter lot) three but less than fifteen road miles one way d) The automobile is used for driving part way to and from work/school fifteen or more road miles, one way, but less than three days per week.

3. “Long Commute” means:

a) There is no business use of the automobile; and, b) The automobile is used for driving to and from work/school, 15 or more road miles, one way.

4. “Business Use” means:

a) The automobile is used in an occupation, profession or business, other than commuting as defined above; and, b) Vehicles such as pick-ups, panel trucks and vans are not eligible for private passenger automobile rating when used in an occupation, profession or business of the insured.

Vermont Automobile 25 5. “Farm Use” means: a) The automobile is principally garaged on a farm or ranch; b) The automobile is customarily used in farming or ranching; and, c) The automobile is not used for commuting to or from work/school as defined by Rules c.1. through c.4.

Age, Sex, and Marital Status Classification

1. “Youthful Operator” means an applicant or any other operator of the automobile residing in the same household as the applicant who operates that automobile as follows: a) “Youthful Unmarried Female Operator” means an unmarried female under 25 years of age who is not an owner or principal operator;

b) “Youthful Unmarried Female Principal Operator” means an unmarried female under 25 years of age who is a principal operator;

c) “Youthful Married Male Operator” means married male under 25 years of age;

d) “Youthful Unmarried Male Operator” means an unmarried male under 25 years of age who is not an owner or principal operator;

e) “Youthful Unmarried Male Principal Operator” means an unmarried male under 30 years of age who is a principal operator.

2. “Age” means the age attained on the last birthday.

3. “Married” means a married person living with his or her spouse and includes a person widowed, divorced or legally separated only if such person has custody of a child resident in his/her household.

4. “Resident” means anyone residing in the same household except:

a) An individual in active military service with the armed forces of the United States of America shall not be considered a resident in the household unless such individual operates a covered automobile. However, the military individual without an automobile will be considered a potential driving exposure. All driver information including driving history must be conveyed on the application or endorsement request.

b) A Youthful Unmarried Female Operator or a Youthful Unmarried Male Operator who is a resident student without a car, at a school, college, or educational institution over 100 road miles from the place of principal garaging of the rated automobile shall be considered a resident in the household and the automobile shall be eligible for the Student Over 100 Miles From Home Discount. The applicable rating factor is the “married” class factor for the appropriate Youthful class. If the “married” class factor is higher, then use the otherwise applicable “unmarried” factor.

5. Youthful Operator Assignments

a) Single Car Risks -

Vermont Automobile 26 The youthful operator with the highest primary rating factor shall apply. If applicable, the Driver Training and Good Student Discounts should be included.

b) Multi-Car Risks - 1) Assign all youthful principal operators to the automobiles they principally operate. 2) Assign other youthful operators as follows: (a) As primary rating factor to the automobile he/she operates most frequently. (b) The applicable youthful operator classifications shall be applied separately to the number of automobiles equal to the number of youthful operators. (c) When the number of automobiles exceeds the number of youthful operators, the youthful operator classification(s) shall be applied to the automobile most frequently driven by the operator(s). (d) After assigning youthful operators to applicable automobiles, each factor must be adjusted for the actual use of the automobile before determining and applying the secondary rating factor. (e) Any remaining automobiles are rated at the appropriate no youthful operator classification.

6. Operators 50 and Over Assignments

NOTE: Any youthful operator class shall apply in accordance with the youthful operator rules.

a) The principal operator age 50-64 class shall apply if the principal operator of the automobile is age 50 to 64. b) The principal operator age 65-69 class shall apply if the principal operator of the automobile is age 65-69. c) The principal operator age 70-74 class shall apply if the principal operator of the automobile is age 70-74. d) The principal operator age 75 and over class shall apply if the principal operator of the automobile is age 75 or over.

7. “All Other” Classification Assignment

a) Vehicles principally driven by adult operators between the ages of 30-49 should be rated using the “All Other” classification. This does not apply when the female is the sole vehicle operator in the household. See Rating pages for applicable class codes.

b) When the number of vehicles exceeds the number of rated drivers on the policy, the extra vehicle (s) should be rated using the “All Other” classification. This does not apply if all rated drivers on the policy are age 50-69. In this case, use the applicable rating classification as shown in Rating pages.

NOTE: Any youthful operator class shall apply in accordance with the youthful operator rules.

Vermont Automobile 27 Rules for Determining Physical Damage Base Rates For Symbols Not Displayed on the Model Year / Symbol Pages: 1. Comprehensive and Collision - For 1989 and prior model year automobiles, take the base rate (from Territory Base Rate pages) and multiply by earliest model years shown for symbol 10 (on Model Year/Symbol Factor Chart). Then multiply it by the following factor, depending upon the actual symbol of the vehicle: a. Assurance and Master

Symbol Comp Coll Symbol Comp Coll 1 0.23 0.47 12 0.84 0.87 2 0.23 0.47 13 1.00 0.99 3 0.23 0.47 14 1.19 1.08 4 0.23 0.47 15 1.44 1.19 5 0.23 0.47 16 1.69 1.36 6 0.33 0.56 17 1.97 1.51 7 0.44 0.64 18 2.31 1.63 8 0.55 0.73 19 2.67 1.77 10 0.63 0.77 20 3.12 1.92 0.71 0.81 3.60 2.12 11 21

b. All Other

Symbol Comp Coll Symbol Comp Coll 1 0.23 0.47 12 0.84 0.87 2 0.23 0.47 13 1.00 0.99 3 0.23 0.47 14 1.19 1.08 4 0.23 0.47 15 1.44 1.19 5 0.23 0.47 16 1.69 1.36 6 0.33 0.56 17 1.93 1.49 7 0.44 0.64 18 2.24 1.59 8 0.55 0.73 19 2.57 1.70 10 0.63 0.77 20 2.99 1.83 11 0.71 0.81 21 3.44 2.01

“Original Cost” means: a) Manufacturer’s Suggested Retail Price for automobiles built in the U.S. b) Manufacturer’s Suggested Retail Price in the U.S. for specialty built automobiles. c) Manufacturer's Suggested Retail Price in the U.S. for imported automobiles. 3. Model Years Later Than Displayed On the Rate Pages Take the appropriate base rate from the column displaying the most recent model year and multiply by 1.05 for each year that the model year exceeds the latest model year displayed on the rate pages.

Vermont Automobile 28 Changes a) All changes requiring premium adjustments shall be computed pro-rata. b) If an automobile or a form of coverage that was cancelled from a policy at the request of the insured is reinstated within 30 days, the premium shall be the same amount that was returned at the time of the cancellation. Cancellation If a policy, vehicle or form of coverage is cancelled by the Company or Named Insured compute the return premium pro-rata.

Suspension of Coverage 1. Under any existing policy providing just physical damage coverage, only Collision may be suspended. 2. Liability coverages may not be suspended for risks for which a financial responsibility filing is in effect. 3. Insurance may be suspended by endorsement in accordance with the following provisions provided the period of suspension is at least thirty (30) consecutive days: a) Insurance may be reinstated upon the named insured’s written request effective not earlier than the receipt of such request by the company or any authorized representatives. b) The reinstatement of insurance endorsement shall not extend the policy beyond its original expiration date. c) Pro-rata premium credit shall be granted for the period of suspension upon reinstatement. Companies can retain a minimum of ninety days premium calculated on a pro-rata basis for the policy period. d) If the policy expires during the period of suspension, the named insured shall be entitled to pro-rata return premium in accordance with the foregoing provision of the rule with respect to the minimum period of suspension and the minimum premium retention by the company. 4. Alternatively, coverage may be deleted based on the same provisions for suspension. 5. Coverage may not be deleted or suspended for Restricted Use (such as Recreational Trailers) or Motor Home rated vehicles. The rate contemplates a lay-up period.

Minimum Premium The minimum annual premium charge is $100.00 for each policy, certificate, declaration or binder covering one or more of the following coverages: Comprehensive, Collision, Single Limit Liability, Bodily Injury Liability, or Property Damage Liability Premium for other coverages which may also be included in the policy shall be in addition to the minimum annual premium. The minimum annual premium charge is not subject to reduction except -- in the event of cancellation or short-term policy, the minimum annual premium charge shall be adjusted on a pro rata basis.

Whole Dollar Premium The premium for each exposure should be rounded to the nearest whole dollar, separately for each

Vermont Automobile 29 coverage provided by the policy. A premium involving $.50 or more should be rounded to the next higher whole number. This procedure shall apply to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by the company, the return premium may be carried to the next higher whole dollar. The phrase "each exposure" as used herein shall mean each premium developed (after the application of all applicable adjustments) for (1) each auto, if written on a per car basis, and (2) for all other auto business.

Vermont Automobile 30 RATING TERRITORIES - SP, SPS, PF, PFS, STD, STDS and Commerce Autosurance 1. The State Rate Pages display rates by territory. 2. A rating territory is a geographical area defined in terms of U.S. Postal Services (USPS) ZIP codes, as shown on the Territory Definitions pages. a) Determine the applicable rating territory based on the ZIP code of the location of principal garaging of the vehicle. If the ZIP code of the mailing address differs from the ZIP code of the location of the principal garaging, use the ZIP code of the garaging location to assign the rating territory. b) As ZIP code boundaries are changed by the USPS, a new ZIP code may be created. If this new ZIP code is not yet listed in the Territory Definitions, use the ZIP code that formerly applied to the risk before the ZIP code boundaries were changed in order to determine the rating territory for a risk located in the new ZIP code. c) Future USPS ZIP code changes will be reflected in ISO’s territory definitions in accordance with the ISO ZIP CODE Territory maintenance procedures on file with the Insurance Department. Manual pages will be updated on a regular basis to reflect future ZIP code changes.

Vermont Automobile 31

ZIP Codes/Territories in Alphabetic Order ZIP ZIP USPS ZIP Code Name Territory USPS ZIP Code Name Territory CODE CODE 05640 Adamant 32 05648 Calais 32 05820 Albany 32 05444 Cambridge 37 05440 Alburg 32 05141 Cambridgeport 31 05250 Arlington 34 05903 Canaan 32 05030 Ascutney 31 05735 Castleton 36 05901 Averill 32 05142 Cavendish 32 05441 Bakersfield 32 05736 Center Rutland 36 05031 Barnard 31 05445 Charlotte 35 05821 Barnet 32 05038 Chelsea 33 05641 Barre 33 05143 Chester 31 05822 Barton 32 05144 Chester Depot 31 05823 Beebe Plain 32 05737 Chittenden 36 05902 Beecher Falls 32 05439 Colchester 35 05101 Bellows Falls 31 05446 Colchester 35 05730 Belmont 32 05449 Colchester 35 05442 Belvidere Center 32 05824 Concord 32 05201 Bennington 34 05039 Corinth 32 05731 Benson 36 05825 Coventry 32 05032 Bethel 32 05826 Craftsbury 32 05732 Bomoseen 32 05827 Craftsbury Common 32 05340 Bondville 32 05738 Cuttingsville 32 05033 Bradford 32 05739 Danby 32 05733 Brandon 36 05828 Danville 32 05301 Brattleboro 31 05829 Derby 32 05302 Brattleboro 31 05830 Derby Line 32 05303 Brattleboro 31 05251 Dorset 34 05304 Brattleboro 31 05252 East Arlington 34 05034 Bridgewater 32 05649 East Barre 33 05035 Bridgewater Corners 32 05447 East Berkshire 32 05734 Bridport 32 05832 East Burke 32 05443 Bristol 32 05650 East Calais 32 05036 Brookfield 32 05833 East Charleston 32 05037 Brownsville 31 05040 East Corinth 32 05401 Burlington 35 05076 East Corinth 32 05402 Burlington 35 05253 East Dorset 32 05405 Burlington 35 05341 East Dover 31 05406 Burlington 35 05448 East Fairfield 32 05647 Cabot 32 05836 East Hardwick 32

Vermont Automobile 32

ZIP ZIP USPS ZIP Code Name Territory USPS ZIP Code Name Territory CODE CODE 05837 East Haven 32 05048 Hartland 31 05740 East Middlebury 32 05049 Hartland Four Corners 31 05651 East Montpelier 33 05459 Highgate Center 32 05741 East Poultney 32 05460 Highgate Springs 32 05041 East Randolph 32 05461 Hinesburg 35 05042 East Ryegate 32 05462 Huntington 32 05838 East Saint Johnsbury 32 05655 Hyde Park 32 05043 East Thetford 31 05750 Hydeville 32 05742 East Wallingford 32 05845 Irasburg 32 05652 Eden 32 05846 Island Pond 32 05653 Eden Mills 32 05463 Isle La Motte 32 05450 Enosburg Falls 32 05342 Jacksonville 34 05451 Essex 35 05343 Jamaica 32 05452 Essex Junction 35 05464 Jeffersonville 37 05453 Essex Junction 35 05464 Jeffersonville 37 05743 Fair Haven 36 05465 Jericho 32 05454 Fairfax 37 05656 Johnson 37 05455 Fairfield 32 05466 Jonesville 32 05045 Fairlee 32 05751 Killington 32 05456 Ferrisburg 32 05657 Lake Elmore 32 05744 Florence 36 05148 Londonderry 32 05745 Forest Dale 36 05847 Lowell 32 05457 Franklin 32 05848 Lower Waterford 32 05746 Gaysville 32 05149 Ludlow 32 05904 Gilman 32 05906 Lunenburg 32 05839 Glover 32 05849 Lyndon 32 05146 Grafton 31 05850 Lyndon Center 32 05840 Granby 32 05851 Lyndonville 32 05458 Grand Isle 32 05254 Manchester 32 05654 Graniteville 33 05255 Manchester Center 32 05747 Granville 32 05344 Marlboro 31 05841 Greensboro 32 05658 Marshfield 32 05842 Greensboro Bend 32 05050 Mc Indoe Falls 32 05046 Groton 32 05753 Middlebury 32 05905 Guildhall 32 05757 Middletown Springs 32 05748 Hancock 32 05468 Milton 32 05843 Hardwick 32 05469 Monkton 32 05047 Hartford 31 05470 Montgomery 32

Vermont Automobile 33

ZIP ZIP USPS ZIP Code Name Territory USPS ZIP Code Name Territory CODE CODE 05471 Montgomery Center 32 05761 Pawlet 32 05601 Montpelier 33 05862 Peacham 32 05602 Montpelier 33 05151 Perkinsville 31 05603 Montpelier 33 05152 Peru 32 05604 Montpelier 33 05762 Pittsfield 36 05609 Montpelier 33 05763 Pittsford 36 05620 Montpelier 33 05667 Plainfield 32 05633 Montpelier 33 05056 Plymouth 32 05660 Moretown 32 05058 Post Mills 32 05853 Morgan 32 05764 Poultney 32 05661 Morrisville 32 05261 Pownal 34 05662 Moscow 37 05765 Proctor 36 05758 Mount Holly 32 05153 Proctorsville 32 05472 New Haven 32 05346 Putney 31 05051 Newbury 32 05059 Quechee 31 05345 Newfane 31 05060 Randolph 32 05855 Newport 32 05061 Randolph Center 32 05857 Newport Center 32 05062 Reading 31 05257 North Bennington 34 05350 Readsboro 34 05759 North Clarendon 36 05352 Readsboro 34 05858 North Concord 32 05476 Richford 32 05473 North Ferrisburg 32 05477 Richmond 32 05052 North Hartland 31 05766 Ripton 32 05474 North Hero 32 05767 Rochester 32 05665 North Hyde Park 32 05669 Roxbury 32 05666 North Montpelier 33 05768 Rupert 34 05053 North Pomfret 32 05701 Rutland 36 05260 North Pownal 34 05702 Rutland 36 05150 North Springfield 31 05478 Saint Albans 32 05054 North Thetford 32 05479 Saint Albans 32 05859 North Troy 32 05481 Saint Albans Bay 32 05663 Northfield 32 05819 Saint Johnsbury 32 05664 Northfield Falls 32 05863 Saint Johnsbury Center 32 05907 Norton 32 05769 Salisbury 32 05055 Norwich 31 05154 Saxtons River 31 05860 Orleans 32 05262 Shaftsbury 34 05760 Orwell 36 05065 Sharon 32 05861 Passumpsic 32 05866 Sheffield 32

Vermont Automobile 34

ZIP ZIP USPS ZIP Code Name Territory USPS ZIP Code Name Territory CODE CODE 05482 Shelburne 35 05675 Washington 33 05483 Sheldon 32 05671 Waterbury 32 05485 Sheldon Springs 32 05676 Waterbury 32 05770 Shoreham 32 05677 Waterbury Center 32 05670 South Barre 33 05492 Waterville 37 05403 South Burlington 35 05678 Websterville 33 05407 South Burlington 35 05774 Wells 32 05486 South Hero 32 05081 Wells River 32 05155 South Londonderry 32 05871 West Burke 32 05351 South Newfane 31 05872 West Charleston 32 05067 South Pomfret 32 05873 West Danville 32 05068 South Royalton 32 05356 West Dover 32 05069 South Ryegate 32 05357 West Dummerston 31 05070 South Strafford 32 05083 West Fairlee 32 05071 South Woodstock 32 05875 West Glover 32 05156 Springfield 31 05358 West Halifax 34 05487 Starksboro 32 05084 West Hartford 32 05772 Stockbridge 32 05085 West Newbury 32 05672 Stowe 37 05775 West Pawlet 32 05072 Strafford 32 05776 West Rupert 34 05867 Sutton 32 05777 West Rutland 36 05488 Swanton 32 05086 West Topsham 32 05073 Taftsville 32 05359 West Townshend 31 05074 Thetford 32 05360 West Wardsboro 32 05075 Thetford Center 32 05874 Westfield 32 05353 Townshend 31 05494 Westford 32 05868 Troy 32 05158 Westminster 31 05077 Tunbridge 32 05159 Westminster Station 31 05489 Underhill 32 05161 Weston 32 05490 Underhill Center 32 05491 Vergennes 32 05354 Vernon 31 05079 Vershire 32 05673 Waitsfield 32 05773 Wallingford 32 05355 Wardsboro 32 05674 Warren 32

Vermont Automobile 35 TERRITORIES - AS and MA

Vermont Automobile 36

Vermont Automobile 37 SAFE DRIVER INSURANCE PLAN (SDIP) The SDIP applies to all policies written with Commerce Insurance Company. 1. Eligibility An auto is eligible for rating under this plan if it is: a) Owned by an individual or jointly by two or more relatives residing in the same household. b) Owned by a family partnership or Family Corporation, provided the vehicle is: 1) garaged on a farm or ranch; and 2) not rated as part of a fleet; and 3) not used in any occupation other than farming, ranching or permitted business use. 2. Definitions a) Driving Record Points 1) Convictions Points shall be assigned for convictions during the experience period for motor vehicle violations of the applicant or any other current resident operator as follows: (a) Six points shall be assigned for each of the following convictions: (1) driving a motor vehicle while under the influence of an intoxicating liquor or narcotic drug, or refusal to submit to a sobriety test; or (2) driving a motor vehicle in a reckless manner; or (3) eluding a law enforcement officer after being requested or signaled to stop; or (4) passing or attempting to pass a police roadblock without authorization. (b) Four points shall be assigned for each of the following convictions: (1) failing to stop and report when involved in an accident; or (2) homicide or assault arising out of the operation of a motor vehicle; or (3) driving a motor vehicle at an excessive rate of speed where injury to person or damage to property results there from; or (4) operating during period of revocation or suspension of registration or license; or (5) operating a motor vehicle without state or owner's authority; or (6) loaning operators license to an unlicensed driver; or (7) permitting an unlicensed person to drive; or (8) the making of false statement in the application for license or registration; or (9) impersonating an applicant for license or registration, or procuring a license or registration through the impersonation whether for himself or another, or (10) passing a stopped school bus with warning signals in operation; or (11) suspension or revocation of an operators license. (c) Two points shall be assigned for the accumulation of points requiring the Filing of

Vermont Automobile 38 evidence of financial responsibility under any Financial Responsibility law. (d) One point shall be assigned upon the second conviction of any moving violation not otherwise listed above, and one additional point shall be assigned for each moving violation conviction thereafter, unless the conviction resulted from an accident for which points are assignable, in which case only the points for the accident shall be assigned. Exception: Convictions for the following shall not be regarded as moving violations: (1) any motor vehicle "equipment" requirement of the motor vehicle and traffic laws, except brakes; (2) failure to display proper number plates provided such plates are in existence; (3) failure to have in possession operator's or chauffeurs license provided there is one in existence; (4) failure to renew registration or failure to have vehicle inspected within six months of expiration of last registration or inspection. b) Accidents Points shall be assigned for each accident that occurred during the experience period involving the applicant or any current resident operator, while operating an auto. (1) One point shall be assigned for each accident that results in: (a) Bodily injury, net payment in excess of $900, or (b) Death, or (c) Property Damage, where the net payment for any accident exceeds $1,000. Exceptions: 1) No points are assigned for accidents incurred by an operator demonstrated to be a named insured or a principal operator of an auto insured under separate policy; and 2) No points are assigned for accidents occurring under the following circumstances: (a) auto lawfully parked (if the parked vehicle rolls from the parked position then any such accident is charged to the person who parked the auto); or (b) the applicant owner or other resident operator reimbursed by, or on behalf of, a person who is responsible for the accident or has a judgment against such person; or (c) auto is struck in the rear by another vehicle and the applicant or other resident operator has not been convicted of a moving traffic violation in connection with this accident; or (d) operator of the other auto involved in the accident was convicted of a moving traffic violation and the applicant or resident operator was not convicted of a moving traffic violation in connection with the accident; or

Vermont Automobile 39 (e) auto operated by the applicant or any resident operator is struck by a "hit and run" vehicle, if the accident is reported to the proper authority within 24 hours by the applicant or resident operator; or (f) accidents involving damage by contact with animals or fowl; or (g) accidents involving Physical Damage, limited to and caused by flying gravel, missiles or falling objects; or (h) accidents occurring when using auto in response to an emergency if the operator of the auto at the time of accident was a paid or volunteer member of any Police or Fire Department, First Aid Squad, or any law enforcement agency. This exception does not include an accident occurring after the auto ceases to be used in response to such emergency; or (i) accidents involving an operator who is a public works employee or a law enforcement officer if: (1) the operator was using a motor vehicle in the course and scope of employment at the time of the accident, and (2) there is a policy of insurance other than the operator’s personal insurance policy providing motor vehicle liability or collision coverage for the accident. Note: For the purpose of this Exception, the term “public works employee” also includes an individual who is an independent contractor under contract to the governmental entity. c) Inexperienced Operator One point shall be assigned for each principal operator that has been licensed less than two years. d) Refund of Surcharged Premium If a point has been assigned for an accident and it is later determined that the accident falls under one of the exceptions in this rule, the company shall refund the increased portion of the premium generated by the accident. 3. Experience Period The experience period shall be the three years immediately preceding the date of application or the thirty-nine (39) months preceding the renewal date of the policy.

Vermont Automobile 40 4. Driving Record Sub-Classifications The driving record sub-classification shall be determined from the number of Driving Record Points accumulated during the experience period as follows:

Number of Driving Record Driving Record Points Sub-Classification 0 0 1* 1 2 2 3 3 4 4 5 5 6 6 7 7 8 or more 8

* Inexperienced Operator points will be indicated with a Sub-Classification of '9'. 5. Multi-Car Risk a) Any points developed under the SDIP are charged per incident by driver and assigned to the one vehicle driven most frequently by that driver. For risks with more drivers than vehicles, the driver who generates the most accumulated SDIP points must be an assigned rated operator. b) All remaining vehicles are rated as if this incident had not occurred. Administration of SDIP a) New Business 1) Initial information necessary to assign the proper Driving Record Sub-Classification shall be obtained from an application signed personally by the applicant, motor vehicle records (MVR) and Comprehensive Loss Underwriting Exchange report (CLUE). 2) The signature of the applicant on all applications received from an agent shall be certified by such an agent. b) Renewal Business Information necessary to assign proper renewal Driving Record Sub-Classifications shall be determined from any one or combination of the following: 1) Company's own records; or 2) Motor Vehicle records (MVR); or 3) Comprehensive Loss Underwriting Exchange report (CLUE); or 4) Renewal questionnaire signed by the applicant; or 5) An application signed by the applicant and producer.

Vermont Automobile 41 Personal lines Auto Violation Reference Guide

Major Minor Non-Moving Violation Conviction of a felony in connection with At-Fault accident Emissions violation the operation of a motor vehicle Criminal negligence resulting in death, Driving over a fire hose Failure to provide proof of insurance homicide or assault Drag racing Driving upon sidewalk Not-at-fault accident (exception NH) * Driving a motor vehicle while under the influence of an intoxicating liquor or Excessive noise Parking violation narcotic drug, or refusal to submit to a sobriety test. Failure to display valid inspection sticker if Eluding a law enforcement officer after over 60 days from the annual required Seat belt violation being requested or signaled to stop inspection Unregistered vehicle if less than 60 days Failing to report an accident Failure to give proper signal from annual expiration Failure to yield right-of-way to an emergency vehicle with warning signals in Failure to obey a school crossing guard operation Fraud or false statements of documents Failure to obey traffic signal Failure to yield right-of-way to a Hit & Run pedestrian in a marked cross walk Illegal attachment of plates Following too closely Open container of alcoholic beverage or Improper backing possession of drugs in car Operating after suspension of a drivers Improper passing license Passing a school bus with warning signals Improper turn in operation Passing or attempting to pass a police road Riding in trailers block without authorization Riding in trunk or outside of passenger Permitting unlawful use of motor vehicle compartment Reckless driving Speed less than 19 mph Traveling in the wrong lane, including Speeding in excess of 20 mph wrong way in a one-way Suspension or revocation of an operators Unregistered vehicle if over 60 days from license the annual expiration Transportation of alcohol by a minor U-turn Unlawful use of license

*Not-at-fault accident is: 1.) Accident in which the other party is convicted 2.) Accident for which an insured has been fully reimbursed by the other party 3.) Accident where the insured is struck in the rear and not convicted 4.) Accident where the insured is struck by a hit and run driver – if reported to the police within 24 hours and the fact that a hit and run driver did exist is established 5.) Accident where the auto was lawfully parked 6.) Accident caused by a collision with an animal or fowl

NOTE: The above list is intended as a guide and it is not all inclusive.

Vermont Automobile 42 COMMERCE INSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT SYMBOL FACTORS' VALUE All Programs 1989 and Prior 1990 to 2010 Symbol From To Symbol From To 1 $ - $ 1,600 1 $ - $ 6,500 2 $ 1,601 $ 2,100 2 $ 6,501 $ 8,000 3 $ 2,101 $ 2,750 3 $ 8,001 $ 9,000 4 $ 2,751 $ 3,700 4 $ 9,001 $ 10,000 5 $ 3,701 $ 5,000 5 $ 10,001 $ 11,250 6 $ 5,001 $ 6,500 6 $ 11,251 $ 12,500 7 $ 6,501 $ 8,000 7 $ 12,501 $ 13,750 8 $ 8,001 $ 10,000 8 $ 13,751 $ 15,000 10 $ 10,001 $ 12,500 10 $ 15,001 $ 16,250 11 $ 12,501 $ 15,000 11 $ 16,251 $ 17,500 12 $ 15,001 $ 17,500 12 $ 17,501 $ 18,750 13 $ 17,501 $ 20,000 13 $ 18,751 $ 20,000 14 $ 20,001 $ 24,000 14 $ 20,001 $ 22,000 15 $ 24,001 $ 28,000 15 $ 22,001 $ 24,000 16 $ 28,001 $ 33,000 16 $ 24,001 $ 26,000 17 $ 33,001 $ 39,000 17 $ 26,001 $ 28,000 18 $ 39,001 $ 46,000 18 $ 28,001 $ 30,000 19 $ 46,001 $ 55,000 19 $ 30,001 $ 33,000 20 $ 55,001 $ 65,000 20 $ 33,001 $ 36,000 21 $ 65,001 $ 9,999,999 21 $ 36,001 $ 40,000 22 $ 40,001 $ 45,000 23 $ 45,001 $ 50,000 24 $ 50,001 $ 60,000 25 $ 60,001 $ 70,000 26 $ 70,001 $ 80,000 27 $ 80,001 $ 90,000 28 $ 90,001 $ 100,000 29 $ 100,001 $ 110,000 30 $ 110,001 $ 120,000 31 $ 120,001 $ 130,000 32 $ 130,001 $ 140,000 33 $ 140,001 $ 9,999,999

The Price New Symbol assigned to each vehicle applies to both Comprehensive and Collision coverages

Vermont Automobile 43 COMMERCE INSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT SYMBOL FACTORS' VALUE All Programs 2011 and greater Symbol From T o Symbol From To 1 $ - $ 3,000 37 $ 31,001 $ 32,000 2 $ 3,001 $ 5,500 38 $ 32,001 $ 33,000 3 $ 5,501 $ 8,000 39 $ 33,001 $ 34,000

4 $ 8,001 $ 9,000 40 $ 34,001 $ 35,000

5 $ 9,001 $ 10,000 41 $ 35,001 $ 36,000 6 $ 10,001 $ 11,000 42 $ 36,001 $ 37,000 7 $ 11,001 $ 12,000 43 $ 37,001 $ 38,000 8 $ 12,001 $ 13,000 44 $ 38,001 $ 39,000 10 $ 13,001 $ 14,000 45 $ 39,001 $ 40,000 11 $ 14,001 $ 15,000 46 $ 40,001 $ 41,250 12 $ 15,001 $ 15,625 47 $ 41,251 $ 42,500

13 $ 15,626 $ 16,250 48 $ 42,501 $ 43,750

$ 16,251 $ 16,875 $ 43,751 $ 45,000 14 49 15 $ 16,876 $ 17,500 50 $ 45,001 $ 46,250 16 $ 17,501 $ 18,125 51 $ 46,251 $ 47,500 17 $ 18,126 $ 18,750 52 $ 47,501 $ 48,750 18 $ 18,751 $ 19,375 53 $ 48,751 $ 50,000 19 $ 19,376 $ 20,000 54 $ 50,001 $ 52,500 20 $ 20,001 $ 20,625 55 $ 52,501 $ 55,000 21 $ 20,626 $ 21,250 56 $ 55,001 $ 57,500

22 $ 21,251 $ 21,875 57 $ 57,501 $ 60,000

23 $ 21,876 $ 22,500 58 $ 60,001 $ 65,000 24 $ 22,501 $ 23,125 59 $ 65,001 $ 70,000 25 $ 23,126 $ 23,750 60 $ 70,001 $ 75,000 26 $ 23,751 $ 24,375 61 $ 75,001 $ 80,000 27 $ 24,376 $ 25,000 62 $ 80,001 $ 85,000 28 $ 25,001 $ 25,625 63 $ 85,001 $ 90,000 29 $ 25,626 $ 26,250 64 $ 90,001 $ 95,000

30 $ 26,251 $ 26,875 65 $ 95,001 $ 100,000

31 $ 26,876 $ 27,500 66 $ 100,001 $ 110,000

32 $ 27,501 $ 28,125 67 $ 110,001 $ 120,000 33 $ 28,126 $ 28,750 68 $ 120,001 $ 130,000 34 $ 28,751 $ 29,375 69 $ 130,001 $ 140,000 35 $ 29,376 $ 30,000 70 $ 140,001 $ 150,000 36 $ 30,001 $ 31,000 98 $ 150,001 $ 9,999,999 The Price New Symbol assigned to each vehicle applies to both Comprehensive and Collision coverages

Vermont Automobile 44 STATISTICAL CODES AND RATING FACTORS/RATES Commerce Autosurance Program 1. No Youthful Operator - Primary Classification

Age Sex Marital Princ. Op. Pleasure Short Comm Status Occas. Pleasure Work 0-3 miles Work 4-10 miles Work 11-15 miles Code Factor Code Factor Code Factor Code Factor 21 - 22 Male Single O 8401 1.30 8404 1.30 8402 1.40 8405 1.44 P 8411 1.90 8414 1.90 8412 2.00 8415 2.04 Married O 8421 1.20 8424 1.20 8422 1.30 8425 1.34 P 8431 1.20 8434 1.20 8432 1.30 8435 1.34 Female Single O 8701 1.20 8704 1.20 8702 1.30 8705 1.34 P 8711 1.30 8714 1.30 8712 1.40 8715 1.44 Married All 8741 1.00 8744 1.00 8742 1.00 8745 1.04 23 - 24 Male Single O 8301 1.25 8304 1.25 8302 1.35 8305 1.39 P 8311 1.80 8314 1.80 8312 1.90 8315 1.94 Married O 8321 1.25 8324 1.25 8322 1.35 8325 1.39 P 8331 1.25 8334 1.25 8332 1.35 8335 1.39 Female Single O 8721 1.25 8724 1.25 8722 1.35 8725 1.39 P 8731 1.10 8734 1.10 8732 1.20 8735 1.24 Married All 8751 1.00 8754 1.00 8752 1.00 8755 1.04 25 - 27 Male Single O 8201 1.60 8204 1.60 8202 1.70 8205 1.74 P 8221 1.25 8224 1.25 8222 1.35 8225 1.39 Married All 8241 1.00 8244 1.00 8242 1.00 8245 1.04 Female Single All 8251 1.00 8254 1.00 8252 1.00 8255 1.04 Married All 8261 1.00 8264 1.00 8262 1.00 8265 1.04 28 - 29 Male Single O 8211 1.50 8214 1.50 8212 1.60 8215 1.64 P 8231 1.20 8234 1.20 8232 1.30 8235 1.34 Married All 8271 1.00 8274 1.00 8272 1.00 8275 1.04 Female Single All 8281 1.00 8284 1.00 8282 1.00 8285 1.04 Married All 8291 1.00 8294 1.00 8292 1.00 8295 1.04 30 - 39 Male Married All 8111 1.00 8114 1.00 8112 1.00 8115 1.04 Single All 8161 1.00 8164 1.00 8162 1.00 8165 1.04 30 - 39 Female Married All 8121 1.00 8124 1.00 8122 1.00 8125 1.04 Single All 8131 1.00 8134 1.00 8132 1.00 8135 1.04 40 - 49 Male Married All 8171 1.00 8174 1.00 8172 1.00 8175 1.04 Single All 8181 1.00 8184 1.00 8182 1.00 8185 1.04 40 - 49 Female Married All 8141 1.00 8144 1.00 8142 1.00 8145 1.04 Single All 8151 1.00 8154 1.00 8152 1.00 8155 1.04 50 - 59 Male Married All 8011 0.82 8014 0.82 8012 0.82 8015 0.86 Single All 8051 0.82 8054 0.82 8052 0.82 8055 0.86 Female Married All 8061 0.82 8064 0.82 8062 0.82 8065 0.86 Single All 8071 0.82 8074 0.82 8072 0.82 8075 0.86 60 - 62 Male Married All 8081 0.80 8084 0.80 8082 0.80 8085 0.84 Single All 8091 0.80 8094 0.80 8092 0.80 8095 0.84 Female Married All 8001 0.80 8004 0.80 8002 0.80 8005 0.84 Single All 8191 0.80 8194 0.80 8192 0.80 8195 0.84

Vermont Automobile R-1

STATISTICAL CODES AND RATING FACTORS/RATES Commerce Autosurance Program 1. No Youthful Operator - Primary Classification

Age Sex Marital Princ. Op. Pleasure Short Comm Status Occas. Pleasure Work 0-3 miles Work 4-10 miles Work 11-15 miles Code Factor Code Factor Code Factor Code Factor 63 - 64 Male Married All 8101 0.81 8104 0.81 8102 0.81 8105 0.86 Single All 8341 0.81 8344 0.81 8342 0.81 8345 0.86 Female Married All 8351 0.81 8354 0.81 8352 0.81 8355 0.86 Single All 8361 0.81 8364 0.81 8362 0.81 8365 0.86 65 - 67 Male Married All 8021 0.80 8024 0.80 8022 0.80 8025 0.84 Single All 8371 0.80 8374 0.80 8372 0.80 8375 0.84 Female Married All 8381 0.80 8384 0.80 8382 0.80 8385 0.84 Single All 8391 0.80 8394 0.80 8392 0.80 8395 0.84 68 - 69 Male Married All 8441 0.83 8444 0.83 8442 0.83 8445 0.88 Single All 8451 0.83 8454 0.83 8452 0.83 8455 0.88 Female Married All 8461 0.83 8464 0.83 8462 0.83 8465 0.88 Single All 8471 0.83 8474 0.83 8472 0.83 8475 0.88 70 - 72 Male Married All 8031 0.80 8034 0.80 8032 0.80 8035 0.84 Single All 8481 0.80 8484 0.80 8482 0.80 8485 0.84 Female Married All 8491 0.80 8494 0.80 8492 0.80 8495 0.84 Single All 8761 0.80 8764 0.80 8762 0.80 8765 0.84 73 - 74 Male Married All 8771 0.85 8774 0.85 8772 0.85 8775 0.89 Single All 8781 0.85 8784 0.85 8782 0.85 8785 0.89 Female Married All 8791 0.85 8794 0.85 8792 0.85 8795 0.89 Single All 8661 0.85 8664 0.85 8662 0.85 8665 0.89 75 - 77 Male Married All 8041 0.90 8044 0.90 8042 0.90 8045 0.94 Single All 8671 0.90 8674 0.90 8672 0.90 8675 0.94 Female Married All 8681 0.90 8684 0.90 8682 0.90 8685 0.94 Single All 8691 0.90 8694 0.90 8692 0.90 8695 0.94 78 - 79 Male Married All 8941 0.99 8944 0.99 8942 0.99 8945 1.03 Single All 8951 0.99 8954 0.99 8952 0.99 8955 1.03 Female Married All 8961 0.99 8964 0.99 8962 0.99 8965 1.03 Single All 8971 0.99 8974 0.99 8972 0.99 8975 1.03 80 - 82 Male Married All 8981 1.04 8984 1.04 8982 1.04 8985 1.08 Single All 8991 1.04 8994 1.04 8992 1.04 8995 1.08 Female Married All 8561 1.04 8564 1.04 8562 1.04 8565 1.08 Single All 8571 1.04 8574 1.04 8572 1.04 8575 1.08 83 - 85 Male Married All 8581 1.13 8584 1.13 8582 1.13 8585 1.17 Single All 8591 1.13 8594 1.13 8592 1.13 8595 1.17 Female Married All 8841 1.13 8844 1.13 8842 1.13 8845 1.17 Single All 8851 1.13 8854 1.13 8852 1.13 8855 1.17 86 & Over Male Married All 8861 1.22 8864 1.22 8862 1.22 8865 1.26 Single All 8871 1.22 8874 1.22 8872 1.22 8875 1.26 Female Married All 8881 1.22 8884 1.22 8882 1.22 8885 1.26 Single All 8891 1.22 8894 1.22 8892 1.22 8895 1.26

Vermont Automobile

R-2 STATISTICAL CODES AND RATING FACTORS/RATES Commerce Autosurance Program 1. No Youthful Operator - Primary Classification

Princ. Age Sex Marital Op. Long Comm Work 31-50 Status Occas. Work 15-20 miles Work 21-30 miles miles Work 50+ miles Business Code Factor Code Factor Code Factor Code Factor Code Factor 21 - 22 Male Single O 8403 1.50 8406 1.57 8407 1.61 8400 1.66 8408 1.70 P 8413 2.10 8416 2.17 8417 2.21 8410 2.26 8418 2.30 Married O 8423 1.40 8426 1.47 8427 1.51 8420 1.56 8428 1.60 P 8433 1.40 8436 1.47 8437 1.51 8430 1.56 8438 1.60 Female Single O 8703 1.40 8706 1.47 8707 1.51 8700 1.56 8708 1.60 P 8713 1.50 8716 1.57 8717 1.61 8710 1.66 8718 1.70 Married All 8743 1.10 8746 1.17 8747 1.21 8740 1.26 8748 1.30 23 - 24 Male Single O 8303 1.45 8306 1.52 8307 1.56 8300 1.61 8308 1.65 P 8313 2.00 8316 2.07 8317 2.11 8310 2.16 8318 2.20 Married O 8323 1.45 8326 1.52 8327 1.56 8320 1.61 8328 1.65 P 8333 1.45 8336 1.52 8337 1.56 8330 1.61 8338 1.65 Female Single O 8723 1.45 8726 1.52 8727 1.56 8720 1.61 8728 1.65 P 8733 1.30 8736 1.37 8737 1.41 8730 1.46 8738 1.50 Married All 8753 1.10 8756 1.17 8757 1.21 8750 1.26 8758 1.30 25 - 27 Male Single O 8203 1.80 8206 1.87 8207 1.91 8200 1.96 8208 2.00 P 8223 1.45 8226 1.52 8227 1.56 8220 1.61 8228 1.65 Married All 8243 1.10 8246 1.17 8247 1.21 8240 1.26 8248 1.30 Female Single All 8253 1.10 8256 1.17 8257 1.21 8250 1.26 8258 1.30 Married All 8263 1.10 8266 1.17 8267 1.21 8260 1.26 8268 1.30 28 - 29 Male Single O 8213 1.70 8216 1.77 8217 1.81 8210 1.86 8218 1.90 P 8233 1.40 8236 1.47 8237 1.51 8230 1.56 8238 1.60 Married All 8273 1.10 8276 1.17 8277 1.21 8270 1.26 8278 1.30 Female Single All 8283 1.10 8286 1.17 8287 1.21 8280 1.26 8288 1.30 Married All 8293 1.10 8296 1.17 8297 1.21 8290 1.26 8298 1.30 30 - 39 Male Married All 8113 1.10 8116 1.17 8117 1.21 8110 1.26 8118 1.30 Single All 8163 1.10 8166 1.17 8167 1.21 8160 1.26 8168 1.30 30 - 39 Female Married All 8123 1.10 8126 1.17 8127 1.21 8120 1.26 8128 1.30 Single All 8133 1.10 8136 1.17 8137 1.21 8130 1.26 8138 1.30 40 - 49 Male Married All 8173 1.10 8176 1.17 8177 1.21 8170 1.26 8178 1.30 Single All 8183 1.10 8186 1.17 8187 1.21 8180 1.26 8188 1.30 40 - 49 Female Married All 8143 1.10 8146 1.17 8147 1.21 8140 1.26 8148 1.30 Single All 8153 1.10 8156 1.17 8157 1.21 8150 1.26 8158 1.30 50 - 59 Male Married All 8013 0.92 8016 0.99 8017 1.03 8010 1.08 8018 1.12 Single All 8053 0.92 8056 0.99 8057 1.03 8050 1.08 8058 1.12 Female Married All 8063 0.92 8066 0.99 8067 1.03 8060 1.08 8068 1.12 Single All 8073 0.92 8076 0.99 8077 1.03 8070 1.08 8078 1.12 60 - 62 Male Married All 8083 0.89 8086 0.96 8087 1.00 8080 1.06 8088 1.09 Single All 8093 0.89 8096 0.96 8097 1.00 8090 1.06 8098 1.09 Female Married All 8003 0.89 8006 0.96 8007 1.00 8000 1.06 8008 1.09 Single All 8193 0.89 8196 0.96 8197 1.00 8190 1.06 8198 1.09

Vermont Automobile

R-3 STATISTICAL CODES AND RATING FACTORS/RATES Commerce Autosurance Program 1. No Youthful Operator - Primary Classification

Princ. Age Sex Marital Op. Long Comm Work 31-50 Status Occas. Work 15-20 miles Work 21-30 miles miles Work 50+ miles Business Code Factor Code Factor Code Factor Code Factor Code Factor 63 - 64 Male Married All 8103 0.91 8106 0.98 8107 1.02 8100 1.07 8108 1.11 Single All 8343 0.91 8346 0.98 8347 1.02 8340 1.07 8348 1.11 Female Married All 8353 0.91 8356 0.98 8357 1.02 8350 1.07 8358 1.11 Single All 8363 0.91 8366 0.98 8367 1.02 8360 1.07 8368 1.11 65 - 67 Male Married All 8023 0.90 8026 0.97 8027 1.01 8020 1.06 8028 1.10 Single All 8373 0.90 8376 0.97 8377 1.01 8370 1.06 8378 1.10 Female Married All 8383 0.90 8386 0.97 8387 1.01 8380 1.06 8388 1.10 Single All 8393 0.90 8396 0.97 8397 1.01 8390 1.06 8398 1.10 68 - 69 Male Married All 8443 0.94 8446 1.00 8447 1.04 8440 1.10 8448 1.14 Single All 8453 0.94 8456 1.00 8457 1.04 8450 1.10 8458 1.14 Female Married All 8463 0.94 8466 1.00 8467 1.04 8460 1.10 8468 1.14 Single All 8473 0.94 8476 1.00 8477 1.04 8470 1.10 8478 1.14 70 - 72 Male Married All 8033 0.90 8036 0.97 8037 1.01 8030 1.06 8038 1.10 Single All 8483 0.90 8486 0.97 8487 1.01 8480 1.06 8488 1.10 Female Married All 8493 0.90 8496 0.97 8497 1.01 8490 1.06 8498 1.10 Single All 8763 0.90 8766 0.97 8767 1.01 8760 1.06 8768 1.10 73 - 74 Male Married All 8773 0.95 8776 1.02 8777 1.06 8770 1.12 8778 1.17 Single All 8783 0.95 8786 1.02 8787 1.06 8780 1.12 8788 1.17 Female Married All 8793 0.95 8796 1.02 8797 1.06 8790 1.12 8798 1.17 Single All 8663 0.95 8666 1.02 8667 1.06 8660 1.12 8668 1.17 75 - 77 Male Married All 8043 1.00 8046 1.07 8047 1.11 8040 1.16 8048 1.20 Single All 8673 1.00 8676 1.07 8677 1.11 8670 1.16 8678 1.20 Female Married All 8683 1.00 8686 1.07 8687 1.11 8680 1.16 8688 1.20 Single All 8693 1.00 8696 1.07 8697 1.11 8690 1.16 8698 1.20 78 - 79 Male Married All 8943 1.10 8946 1.17 8947 1.21 8940 1.26 8948 1.32 Single All 8953 1.10 8956 1.17 8957 1.21 8950 1.26 8958 1.32 Female Married All 8963 1.10 8966 1.17 8967 1.21 8960 1.26 8968 1.32 Single All 8973 1.10 8976 1.17 8977 1.21 8970 1.26 8978 1.32 80 - 82 Male Married All 8983 1.15 8986 1.22 8987 1.26 8980 1.31 8988 1.38 Single All 8993 1.15 8996 1.22 8997 1.26 8990 1.31 8998 1.38 Female Married All 8563 1.15 8566 1.22 8567 1.26 8560 1.31 8568 1.38 Single All 8573 1.15 8576 1.22 8577 1.26 8570 1.31 8578 1.38 83 - 85 Male Married All 8583 1.25 8586 1.32 8587 1.36 8580 1.41 8588 1.50 Single All 8593 1.25 8596 1.32 8597 1.36 8590 1.41 8598 1.50 Female Married All 8843 1.25 8846 1.32 8847 1.36 8840 1.41 8848 1.50 Single All 8853 1.25 8856 1.32 8857 1.36 8850 1.41 8858 1.50 86 & Over Male Married All 8863 1.35 8866 1.42 8867 1.46 8860 1.51 8868 1.62 Single All 8873 1.35 8876 1.42 8877 1.46 8870 1.51 8878 1.62 Female Married All 8883 1.35 8886 1.42 8887 1.46 8880 1.51 8888 1.62 Single All 8893 1.35 8896 1.42 8897 1.46 8890 1.51 8898 1.62

Vermont Automobile

R-4 COMMERCE INSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT Youthful Program - Primary Classifications Good Student No Good Student Princ Age Sex Marital Oper. Driver Pleasure DR/WK Pleasure DR/WK Status Occas. Training Business Business 17 or Less Male Single O Y 8604 2.10 8605 2.30 8606 2.45 8607 2.65 N 8614 2.35 8615 8616 2.70 8617 2.80 P Y 8624 3.05 8625 3.25 8626 3.55 8627 3.75 N 8634 3.30 8635 3.50 8636 3.80 8637 4.00 Married All Y 8644 1.65 8645 1.65 8646 2.00 8647 2.10 N 8654 1.90 8655 2.00 8656 2.25 8657 2.35 Female Single O Y 8904 1.70 8905 1.80 8906 1.95 8907 2.05 N 8914 1.95 8915 2.05 8916 2.20 8917 2.30 P Y 8924 2.00 8925 2.20 8926 2.25 8927 2.45 N 8934 2.25 8935 2.45 8936 2.50 8937 2.70 18 Male Single O Y 8602 2.10 8603 2.30 8608 2.45 8609 2.65 N 8612 2.35 8613 2.45 8618 2.70 8619 2.80 P Y 8622 3.05 8623 3.25 8628 3.55 8629 3.75 N 8632 3.30 8633 3.50 8638 3.80 8639 4.00 Married All Y 8642 1.65 8643 1.65 8648 2.00 8649 2.10 N 8652 1.90 8653 2.00 8658 2.25 8659 2.35 Female Single O Y 8902 1.70 8903 1.80 8908 1.95 8909 2.05 N 8912 1.95 8913 2.05 8918 2.20 8919 2.30 P Y 8922 2.00 8923 2.20 8928 2.25 8929 2.45 N 8932 2.25 8933 2.45 8938 2.50 8939 2.70 19 Male Single O Y 8504 1.95 8505 2.15 8506 2.30 8507 2.50 N 8514 2.20 8515 2.30 8516 2.55 8517 2.65 P Y 8524 2.90 8525 3.10 8526 3.40 8527 3.60 N 8534 3.15 8535 3.35 8536 3.65 8537 3.85 Married All Y 8544 1.50 8545 1.50 8546 1.85 8547 1.95 N 8554 1.75 8555 1.85 8556 2.10 8557 2.20 Female Single O Y 8804 1.55 8805 1.65 8806 1.80 8807 1.90 N 8814 1.80 8815 1.90 8816 2.05 8817 2.15 P Y 8824 1.85 8825 2.05 8826 2.10 8827 2.30 N 8834 2.10 8835 2.30 8836 2.35 8837 2.55 20 Male Single O Y 8502 1.95 8503 2.15 8508 2.30 8509 2.50 N 8512 2.20 8513 2.30 8518 2.55 8519 2.65 P Y 8522 2.90 8523 3.10 8528 3.40 8529 3.60 N 8532 3.15 8533 3.35 8538 3.65 8539 3.85 Married All Y 8542 1.50 8543 1.50 8548 1.85 8549 1.95 N 8552 1.75 8553 1.85 8558 2.10 8559 2.20 Female Single O Y 8802 1.55 8803 1.65 8808 1.80 8809 1.90 N 8812 1.80 8813 1.90 8818 2.05 8819 2.15 P Y 8822 1.85 8823 2.05 8828 2.10 8829 2.30 N 8832 2.10 8833 2.30 8838 2.35 8839 2.55 16 - 20 Female Married All All Refer To 21 - 22 Married Female Codes

Vermont Automobile

R-5 COMMERCE INSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT b. Secondary Classification - Safe Driver Insurance Plan The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

Sub SINGLE Class 0 1 2 3 4 5 6 7 8 Standard Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82 Code 10 11 12 13 14 15 16 17 18 Intermediate Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82 Code 30 31 32 33 34 35 36 37 38 High Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82 Code 50 51 52 53 54 55 56 57 58 Sports Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82 Code 70 71 72 73 74 75 76 77 78 Sports Prem. Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82 Code 90 91 92 93 94 95 96 97 98 Sub MULTI Class 0 1 2 3 4 5 6 7 8 Standard Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80 Code 20 21 22 23 24 25 26 27 28 Intermediate Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80 Code 40 41 42 43 44 45 46 47 48 High Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80 Code 60 61 62 63 64 65 66 67 68 Sports Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80 Code 80 81 82 83 84 85 86 87 88 Sports Prem. Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80 Code 00 01 02 03 04 05 06 07 08 Table Applicable to 1970 and and Prior Model Autos Sub SINGLE Class 0 1 2 3 4 5 6 7 8 Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82 Non High Code 10 11 12 13 14 15 16 17 18 Performance High Code 50 51 52 53 54 55 56 57 58 Performance Sub MULTI Class 0 1 2 3 4 5 6 7 8 Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80 Non High Code 20 21 22 23 24 25 26 27 28 Performance High Code 60 61 62 63 64 65 66 67 68 Performance

Vermont Automobile R-6 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Assurance Program

1. No Youthful Operator - Primary Classification

Marital Principal Oper. Drive to Work Age Sex Status Occasional Pleasure Short Comm Long Comm Business Farm 21 - 22 Male Single O 8401/ 1.30 8402/ 1.40 8403/ 1.55 8408/ 1.70 8409/ 1.15 P 8411/ 1.90 8412/ 2.00 8413/ 2.15 8418/ 2.30 8419/ 1.85 Married O 8421/ 1.20 8422/ 1.30 8423/ 1.45 8428/ 1.60 8429/ 1.05 P 8431/ 1.20 8432/ 1.30 8433/ 1.45 8438/ 1.60 8439/ 1.05 Female Single O 8701/ 1.20 8702/ 1.30 8703/ 1.45 8708/ 1.60 8709/ 1.05 P 8711/ 1.30 8712/ 1.40 8713/ 1.55 8718/ 1.70 8719/ 1.15 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.50 8308/ 1.65 8309/ 1.10 P 8311/ 1.80 8312/ 1.90 8313/ 2.05 8318/ 2.20 8319/ 1.65 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.50 8328/ 1.65 8329/ 1.10 P 8331/ 1.25 8332/ 1.35 8333/ 1.50 8338/ 1.65 8339/ 1.10 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.50 8728/ 1.65 8729/ 1.10 P 8731/ 1.10 8732/ 1.20 8733/ 1.35 8738/ 1.50 8739/ 0.95 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.85 8208/ 2.00 8209/ 1.45 P 8221/ 1.25 8222/ 1.35 8223/ 1.50 8228/ 1.65 8229/ 1.10 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.75 8218/ 1.90 8219/ 1.35 P 8231/ 1.20 8232/ 1.30 8233/ 1.45 8238/ 1.60 8239/ 1.05 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.15 8128/ 1.30 8129/ 0.85 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.95 8018/ 1.10 8019/ 0.60 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.95 8028/ 1.10 8029/ 0.60 70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.95 8038/ 1.10 8039/ 0.60 75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.05 8048/ 1.20 8049/ 0.70 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.15 8118/ 1.30 8119/ 0.85

Vermont Automobile R-7 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Assurance Program

2. Youthful Program - Primary Classifications Good Student No Good Student Age Sex Marital Princ Oper Driver Pleasure DR/WK Pleasure DR/WK Status Occasional Training Farm Business Farm Business 17 or Less Male Single O Y 8604/ 1.95 8605/ 2.15 8606/ 2.30 8607/ 2.50 N 8614/ 2.20 8615/ 2.30 8616/ 2.55 8617/ 2.65 P Y 8624/ 2.90 8625/ 3.10 8626/ 3.40 8627/ 3.60 N 8634/ 3.15 8635/ 3.35 8636/ 3.65 8637/ 3.85 Married All Y 8644/ 1.50 8645/ 1.50 8646/ 1.85 8647/ 1.95 N 8654/ 1.75 8655/ 1.85 8656/ 2.10 8657/ 2.20 Female Single O Y 8904/ 1.55 8905/ 1.65 8906/ 1.80 8907/ 1.90 N 8914/ 1.80 8915/ 1.90 8916/ 2.05 8917/ 2.15 P Y 8924/ 1.90 8925/ 2.10 8926/ 2.15 8927/ 2.35 N 8934/ 2.15 8935/ 2.35 8936/ 2.40 8937/ 2.60 18 Male Single O Y 8602/ 1.95 8603/ 2.15 8608/ 2.30 8609/ 2.50 N 8612/ 2.20 8613/ 2.30 8618/ 2.55 8619/ 2.65 P Y 8622/ 2.90 8623/ 3.10 8628/ 3.40 8629/ 3.60 N 8632/ 3.15 8633/ 3.35 8638/ 3.65 8639/ 3.85 Married All Y 8642/ 1.50 8643/ 1.50 8648/ 1.85 8649/ 1.95 N 8652/ 1.75 8653/ 1.85 8658/ 2.10 8659/ 2.20 Female Single O Y 8902/ 1.55 8903/ 1.65 8908/ 1.80 8909/ 1.90 N 8912/ 1.80 8913/ 1.90 8918/ 2.05 8919/ 2.15 P Y 8922/ 1.90 8923/ 2.10 8928/ 2.15 8929/ 2.35 N 8932/ 2.15 8933/ 2.35 8938/ 2.40 8939/ 2.60 19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50 N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65 P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60 N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85 Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95 N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20 Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90 N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15 P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30 N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55 20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50 N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65 P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60 N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85 Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95 N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20 Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90 N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15 P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30 N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

Vermont Automobile R-8 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Assurance Program

b. Secondary Classification - Safe Driver Insurance Plan

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

SINGLE CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Code 10 11 12 13 14 15 16 17 18 Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Intermediate Code 30 31 32 33 34 35 36 37 38 Intermediate Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78 Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98 Sports Prem. Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Factor 20 21 22 23 24 25 26 27 28 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Intermediate Factor 40 41 42 43 44 45 46 47 48 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Sports Prem. Factor 00 01 02 03 04 05 06 07 08 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

SINGLE CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 10 11 12 13 14 15 16 17 18 Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 20 21 22 23 24 25 26 27 28 Performance -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68 Performance -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Vermont Automobile R-9 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Master Program

1. No Youthful Operator - Primary Classification

Marital Principal Oper. Drive to Work Age Sex Status Occasional Pleasure Short Comm Long Comm Business Farm 21 - 22 Male Single O 8401/ 1.30 8402/ 1.40 8403/ 1.55 8408/ 1.70 8409/ 1.15 P 8411/ 1.90 8412/ 2.00 8413/ 2.15 8418/ 2.30 8419/ 1.85 Married O 8421/ 1.20 8422/ 1.30 8423/ 1.45 8428/ 1.60 8429/ 1.05 P 8431/ 1.20 8432/ 1.30 8433/ 1.45 8438/ 1.60 8439/ 1.05 Female Single O 8701/ 1.20 8702/ 1.30 8703/ 1.45 8708/ 1.60 8709/ 1.05 P 8711/ 1.30 8712/ 1.40 8713/ 1.55 8718/ 1.70 8719/ 1.15 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.50 8308/ 1.65 8309/ 1.10 P 8311/ 1.80 8312/ 1.90 8313/ 2.05 8318/ 2.20 8319/ 1.65 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.50 8328/ 1.65 8329/ 1.10 P 8331/ 1.25 8332/ 1.35 8333/ 1.50 8338/ 1.65 8339/ 1.10 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.50 8728/ 1.65 8729/ 1.10 P 8731/ 1.10 8732/ 1.20 8733/ 1.35 8738/ 1.50 8739/ 0.95 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.85 8208/ 2.00 8209/ 1.45 P 8221/ 1.25 8222/ 1.35 8223/ 1.50 8228/ 1.65 8229/ 1.10 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.75 8218/ 1.90 8219/ 1.35 P 8231/ 1.20 8232/ 1.30 8233/ 1.45 8238/ 1.60 8239/ 1.05 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.15 8128/ 1.30 8129/ 0.85 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.95 8018/ 1.10 8019/ 0.60 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.95 8028/ 1.10 8029/ 0.60 70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.95 8038/ 1.10 8039/ 0.60 75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.05 8048/ 1.20 8049/ 0.70 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.15 8118/ 1.30 8119/ 0.85

Vermont Automobile R-10 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Master Program

2. Youthful Program - Primary Classifications Good Student No Good Student Age Sex Marital Princ Oper Driver Pleasure DR/WK Pleasure DR/WK Status Occasional Training Farm Business Farm Business 17 or Less Male Single O Y 8604/ 1.95 8605/ 2.15 8606/ 2.30 8607/ 2.50 N 8614/ 2.20 8615/ 2.30 8616/ 2.55 8617/ 2.65 P Y 8624/ 2.90 8625/ 3.10 8626/ 3.40 8627/ 3.60 N 8634/ 3.15 8635/ 3.35 8636/ 3.65 8637/ 3.85 Married All Y 8644/ 1.50 8645/ 1.50 8646/ 1.85 8647/ 1.95 N 8654/ 1.75 8655/ 1.85 8656/ 2.10 8657/ 2.20 Female Single O Y 8904/ 1.55 8905/ 1.65 8906/ 1.80 8907/ 1.90 N 8914/ 1.80 8915/ 1.90 8916/ 2.05 8917/ 2.15 P Y 8924/ 1.90 8925/ 2.10 8926/ 2.15 8927/ 2.35 N 8934/ 2.15 8935/ 2.35 8936/ 2.40 8937/ 2.60 18 Male Single O Y 8602/ 1.95 8603/ 2.15 8608/ 2.30 8609/ 2.50 N 8612/ 2.20 8613/ 2.30 8618/ 2.55 8619/ 2.65 P Y 8622/ 2.90 8623/ 3.10 8628/ 3.40 8629/ 3.60 N 8632/ 3.15 8633/ 3.35 8638/ 3.65 8639/ 3.85 Married All Y 8642/ 1.50 8643/ 1.50 8648/ 1.85 8649/ 1.95 N 8652/ 1.75 8653/ 1.85 8658/ 2.10 8659/ 2.20 Female Single O Y 8902/ 1.55 8903/ 1.65 8908/ 1.80 8909/ 1.90 N 8912/ 1.80 8913/ 1.90 8918/ 2.05 8919/ 2.15 P Y 8922/ 1.90 8923/ 2.10 8928/ 2.15 8929/ 2.35 N 8932/ 2.15 8933/ 2.35 8938/ 2.40 8939/ 2.60 19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50 N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65 P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60 N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85 Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95 N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20 Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90 N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15 P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30 N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55 20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50 N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65 P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60 N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85 Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95 N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20 Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90 N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15 P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30 N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

Vermont Automobile R-11 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Master Program

b. Secondary Classification - Safe Driver Insurance Plan

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

SINGLE CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Code 10 11 12 13 14 15 16 17 18 Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Intermediate Code 30 31 32 33 34 35 36 37 38 Intermediate Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78 Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98 Sports Prem. Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Factor 20 21 22 23 24 25 26 27 28 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Intermediate Factor 40 41 42 43 44 45 46 47 48 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Sports Prem. Factor 00 01 02 03 04 05 06 07 08 Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

SINGLE CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 10 11 12 13 14 15 16 17 18 Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 20 21 22 23 24 25 26 27 28 Performance -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68 Performance -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Vermont Automobile R-12 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Super Preferred Program

1. No Youthful Operator - Primary Classification

Marital Principal Oper. Drive to Work Age Sex Status Occasional Pleasure Short Comm Long Comm Business Farm 21 - 22 Male Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15 P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85 Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05 P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05 Female Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05 P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10 P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10 P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10 P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45 P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35 P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.10 8128/ 1.30 8129/ 0.85 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60 70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60 75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.10 8118/ 1.30 8119/ 0.85

Vermont Automobile R-13 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Super Preferred Program

2. Youthful Program - Primary Classifications Good Student No Good Student Age Sex Marital Princ Oper Driver Pleasure DR/WK Pleasure DR/WK Status Occasional Training Farm Business Farm Business 17 or Less Male Single O Y 8604/ 2.10 8605/ 2.30 8606/ 2.45 8607/ 2.65 N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80 P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75 N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00 Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10 N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35 Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05 N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30 P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45 N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70 18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65 N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80 P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75 N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00 Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10 N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35 Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05 N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30 P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45 N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70 19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50 N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65 P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60 N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85 Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95 N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20 Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90 N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15 P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30 N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55 20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50 N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65 P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60 N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85 Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95 N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20 Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90 N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15 P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30 N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

Vermont Automobile R-14 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Super Preferred Program

b. Secondary Classification - Safe Driver Insurance Plan

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

SINGLE CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Code 10 11 12 13 14 15 16 17 18 Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Intermediate Code 30 31 32 33 34 35 36 37 38 Intermediate Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78 Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98 Sports Prem. Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Factor 20 21 22 23 24 25 26 27 28 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Intermediate Factor 40 41 42 43 44 45 46 47 48 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Prem. Factor 00 01 02 03 04 05 06 07 08 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

SINGLE CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 10 11 12 13 14 15 16 17 18 Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 20 21 22 23 24 25 26 27 28 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile R-15 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Super Preferred Select Program

1. No Youthful Operator - Primary Classification

Marital Principal Oper. Drive to Work Age Sex Status Occasional Pleasure Short Comm Long Comm Business Farm 21 - 22 Male Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15 P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85 Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05 P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05 Female Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05 P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10 P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10 P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10 P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45 P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35 P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.10 8128/ 1.30 8129/ 0.85 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60 70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60 75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.10 8118/ 1.30 8119/ 0.85

Vermont Automobile R-16 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Super Preferred Select Program

2. Youthful Program - Primary Classifications Good Student No Good Student Age Sex Marital Princ Oper Driver Pleasure DR/WK Pleasure DR/WK Status Occasional Training Farm Business Farm Business 17 or Less Male Single O Y 8604/ 2.10 8605/ 2.30 8606/ 2.45 8607/ 2.65 N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80 P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75 N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00 Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10 N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35 Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05 N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30 P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45 N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70 18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65 N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80 P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75 N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00 Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10 N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35 Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05 N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30 P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45 N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70 19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50 N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65 P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60 N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85 Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95 N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20 Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90 N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15 P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30 N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55 20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50 N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65 P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60 N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85 Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95 N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20 Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90 N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15 P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30 N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

Vermont Automobile R-17 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Super Preferred Select Program

b. Secondary Classification - Safe Driver Insurance Plan

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

SINGLE CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Code 10 11 12 13 14 15 16 17 18 Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Intermediate Code 30 31 32 33 34 35 36 37 38 Intermediate Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78 Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98 Sports Prem. Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Factor 20 21 22 23 24 25 26 27 28 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Intermediate Factor 40 41 42 43 44 45 46 47 48 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Prem. Factor 00 01 02 03 04 05 06 07 08 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

SINGLE CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 10 11 12 13 14 15 16 17 18 Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 20 21 22 23 24 25 26 27 28 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile R-18 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Preferred Program

1. No Youthful Operator - Primary Classification

Marital Principal Oper. Drive to Work Age Sex Status Occasional Pleasure Short Comm Long Comm Business Farm 21 - 22 Male Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15 P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85 Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05 P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05 Female Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05 P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10 P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10 P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10 P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45 P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35 P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.10 8128/ 1.30 8129/ 0.85 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60 70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60 75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.10 8118/ 1.30 8119/ 0.85

Vermont Automobile R-19 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Preferred Program

2. Youthful Program - Primary Classifications Good Student No Good Student Age Sex Marital Princ Oper Driver Pleasure DR/WK Pleasure DR/WK Status Occasional Training Farm Business Farm Business 17 or Less Male Single O Y 8604/ 2.10 8605/ 2.30 8606/ 2.45 8607/ 2.65 N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80 P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75 N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00 Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10 N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35 Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05 N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30 P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45 N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70 18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65 N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80 P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75 N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00 Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10 N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35 Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05 N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30 P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45 N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70 19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50 N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65 P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60 N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85 Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95 N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20 Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90 N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15 P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30 N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55 20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50 N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65 P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60 N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85 Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95 N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20 Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90 N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15 P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30 N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

Vermont Automobile R-20 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Preferred Program

b. Secondary Classification - Safe Driver Insurance Plan

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

SINGLE CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Code 10 11 12 13 14 15 16 17 18 Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Intermediate Code 30 31 32 33 34 35 36 37 38 Intermediate Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78 Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98 Sports Prem. Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Factor 20 21 22 23 24 25 26 27 28 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Intermediate Factor 40 41 42 43 44 45 46 47 48 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Prem. Factor 00 01 02 03 04 05 06 07 08 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

SINGLE CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 10 11 12 13 14 15 16 17 18 Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 20 21 22 23 24 25 26 27 28 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile R-21 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Preferred Select Program

1. No Youthful Operator - Primary Classification

Marital Principal Oper. Drive to Work Age Sex Status Occasional Pleasure Short Comm Long Comm Business Farm 21 - 22 Male Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15 P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85 Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05 P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05 Female Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05 P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10 P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10 P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10 P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45 P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35 P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.10 8128/ 1.30 8129/ 0.85 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60 70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60 75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.10 8118/ 1.30 8119/ 0.85

Vermont Automobile R-22 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Preferred Select Program

2. Youthful Program - Primary Classifications Good Student No Good Student Age Sex Marital Princ Oper Driver Pleasure DR/WK Pleasure DR/WK Status Occasional Training Farm Business Farm Business 17 or Less Male Single O Y 8604/ 2.10 8605/ 2.30 8606/ 2.45 8607/ 2.65 N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80 P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75 N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00 Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10 N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35 Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05 N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30 P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45 N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70 18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65 N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80 P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75 N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00 Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10 N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35 Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05 N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30 P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45 N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70 19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50 N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65 P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60 N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85 Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95 N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20 Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90 N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15 P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30 N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55 20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50 N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65 P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60 N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85 Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95 N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20 Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90 N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15 P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30 N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

Vermont Automobile R-23 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Preferred Select Program

b. Secondary Classification - Safe Driver Insurance Plan

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

SINGLE CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Code 10 11 12 13 14 15 16 17 18 Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Intermediate Code 30 31 32 33 34 35 36 37 38 Intermediate Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78 Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98 Sports Prem. Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Factor 20 21 22 23 24 25 26 27 28 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Intermediate Factor 40 41 42 43 44 45 46 47 48 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Prem. Factor 00 01 02 03 04 05 06 07 08 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

SINGLE CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 10 11 12 13 14 15 16 17 18 Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 20 21 22 23 24 25 26 27 28 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile R-24 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Standard Program

1. No Youthful Operator - Primary Classification

Marital Principal Oper. Drive to Work Age Sex Status Occasional Pleasure Short Comm Long Comm Business Farm 21 - 22 Male Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15 P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85 Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05 P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05 Female Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05 P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10 P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10 P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10 P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45 P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35 P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.10 8128/ 1.30 8129/ 0.90 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.75 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.80 70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.90 75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 1.00 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.10 8118/ 1.30 8119/ 0.90

Vermont Automobile R-25 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Standard Program

2. Youthful Program - Primary Classifications Good Student No Good Student Age Sex Marital Princ Oper Driver Pleasure DR/WK Pleasure DR/WK Status Occasional Training Farm Business Farm Business 17 or Less Male Single O Y 8604/ 2.10 8605/ 2.30 8606/ 2.45 8607/ 2.65 N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80 P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75 N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00 Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10 N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35 Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05 N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30 P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45 N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70 18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65 N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80 P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75 N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00 Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10 N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35 Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05 N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30 P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45 N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70 19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50 N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65 P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60 N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85 Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95 N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20 Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90 N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15 P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30 N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55 20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50 N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65 P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60 N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85 Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95 N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20 Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90 N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15 P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30 N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

Vermont Automobile R-26 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Standard Program

b. Secondary Classification - Safe Driver Insurance Plan

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

SINGLE CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Code 10 11 12 13 14 15 16 17 18 Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Intermediate Code 30 31 32 33 34 35 36 37 38 Intermediate Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78 Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98 Sports Prem. Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Factor 20 21 22 23 24 25 26 27 28 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Intermediate Factor 40 41 42 43 44 45 46 47 48 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Prem. Factor 00 01 02 03 04 05 06 07 08 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

SINGLE CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 10 11 12 13 14 15 16 17 18 Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 20 21 22 23 24 25 26 27 28 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile R-27 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Standard Select Program

1. No Youthful Operator - Primary Classification

Marital Principal Oper. Drive to Work Age Sex Status Occasional Pleasure Short Comm Long Comm Business Farm 21 - 22 Male Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15 P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85 Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05 P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05 Female Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05 P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10 P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10 P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10 P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45 P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35 P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.10 8128/ 1.30 8129/ 0.85 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60 70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60 75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.10 8118/ 1.30 8119/ 0.85

Vermont Automobile R-28 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Standard Select Program

2. Youthful Program - Primary Classifications Good Student No Good Student Age Sex Marital Princ Oper Driver Pleasure DR/WK Pleasure DR/WK Status Occasional Training Farm Business Farm Business 17 or Less Male Single O Y 8604/ 2.10 8605/ 2.30 8606/ 2.45 8607/ 2.65 N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80 P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75 N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00 Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10 N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35 Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05 N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30 P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45 N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70 18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65 N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80 P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75 N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00 Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10 N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35 Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05 N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30 P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45 N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70 19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50 N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65 P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60 N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85 Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95 N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20 Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90 N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15 P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30 N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55 20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50 N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65 P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60 N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85 Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95 N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20 Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90 N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15 P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30 N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

Vermont Automobile R-29 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

A. Standard Select Program

b. Secondary Classification - Safe Driver Insurance Plan

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

SINGLE CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Code 10 11 12 13 14 15 16 17 18 Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Intermediate Code 30 31 32 33 34 35 36 37 38 Intermediate Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78 Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98 Sports Prem. Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Standard Factor 20 21 22 23 24 25 26 27 28 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Intermediate Factor 40 41 42 43 44 45 46 47 48 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Prem. Factor 00 01 02 03 04 05 06 07 08 Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

SINGLE CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 10 11 12 13 14 15 16 17 18 Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58 High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS Number of Points 0 1 2 3 4 5 6 7 8 Non High Code 20 21 22 23 24 25 26 27 28 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68 Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile R-30 MIDDLESEX MUTUAL ASSURANCE COMPANY - PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

IX. EXTENDED GOOD STUDENT CREDIT Predictive Model Program 1. No Youthful Operator - Primary Classification

Age Sex Marital Principal O Pleasure Short Comm Status Occasional Pleasure Work 0-3 miles Work 4-10 miles Work 11-15 miles Code Factor Code Factor Code Factor Code Factor 21 - 22 Male Single O 8401 -0.18 8404 -0.18 8402 -0.24 8405 -0.24 P 8411 -0.40 8414 -0.40 8412 -0.40 8415 -0.40 Married O 8421 -0.12 8424 -0.12 8422 -0.18 8425 -0.18 P 8431 -0.12 8434 -0.12 8432 -0.18 8435 -0.18 Female Single O 8701 -0.12 8704 -0.12 8702 -0.18 8705 -0.18 P 8711 -0.18 8714 -0.18 8712 -0.24 8715 -0.24 Married All 8741 0.00 8744 0.00 8742 0.00 8745 0.00 23 - 24 Male Single O 8301 -0.15 8304 -0.15 8302 -0.21 8305 -0.21 P 8311 -0.40 8314 -0.40 8312 -0.40 8315 -0.40 Married O 8321 -0.15 8324 -0.15 8322 -0.21 8325 -0.21 P 8331 -0.15 8334 -0.15 8332 -0.21 8335 -0.21 Female Single O 8721 -0.15 8724 -0.15 8722 -0.21 8725 -0.21 P 8731 -0.06 8734 -0.06 8732 -0.12 8735 -0.12 Married All 8751 0.00 8754 0.00 8752 0.00 8755 0.00 25 - 27 Male Single O 8201 -0.36 8204 -0.36 8202 -0.40 8205 -0.40 P 8221 -0.15 8224 -0.15 8222 -0.21 8225 -0.21 Married All 8241 0.00 8244 0.00 8242 0.00 8245 0.00 Female Single All 8251 0.00 8254 0.00 8252 0.00 8255 0.00 Married All 8261 0.00 8264 0.00 8262 0.00 8265 0.00 28 - 29 Male Single O 8211 -0.30 8214 -0.30 8212 -0.36 8215 -0.36 P 8231 -0.12 8234 -0.12 8232 -0.18 8235 -0.18 Married All 8271 0.00 8274 0.00 8272 0.00 8275 0.00 Female Single All 8281 0.00 8284 0.00 8282 0.00 8285 0.00 Married All 8291 0.00 8294 0.00 8292 0.00 8295 0.00

Age Sex Marital Principal O Long Comm Status Occasional Work 15-20 miles Work 21-30 miles Work 31-50 miles Work 50+ miles Business Code Factor Code Factor Code Factor Code Factor Code Factor 21 - 22 Male Single O 8403 -0.24 8406 -0.24 8407 -0.24 8400 -0.24 8408 -0.24 P 8413 -0.40 8416 -0.40 8417 -0.40 8410 -0.40 8418 -0.40 Married O 8423 -0.18 8426 -0.18 8427 -0.18 8420 -0.18 8428 -0.18 P 8433 -0.18 8436 -0.18 8437 -0.18 8430 -0.18 8438 -0.18 Female Single O 8703 -0.18 8706 -0.18 8707 -0.18 8700 -0.18 8708 -0.18 P 8713 -0.24 8716 -0.24 8717 -0.24 8710 -0.24 8718 -0.24 Married All 8743 0.00 8746 0.00 8747 0.00 8740 0.00 8748 0.00 23 - 24 Male Single O 8303 -0.21 8306 -0.21 8307 -0.21 8300 -0.21 8308 -0.21 P 8313 -0.40 8316 -0.40 8317 -0.40 8310 -0.40 8318 -0.40 Married O 8323 -0.21 8326 -0.21 8327 -0.21 8320 -0.21 8328 -0.21 P 8333 -0.21 8336 -0.21 8337 -0.21 8330 -0.21 8338 -0.21 Female Single O 8723 -0.21 8726 -0.21 8727 -0.21 8720 -0.21 8728 -0.21 P 8733 -0.12 8736 -0.12 8737 -0.12 8730 -0.12 8738 -0.12 Married All 8753 0.00 8756 0.00 8757 0.00 8750 0.00 8758 0.00 25 - 27 Male Single O 8203 -0.40 8206 -0.40 8207 -0.40 8200 -0.40 8208 -0.40 P 8223 -0.21 8226 -0.21 8227 -0.21 8220 -0.21 8228 -0.21 Married All 8243 0.00 8246 0.00 8247 0.00 8240 0.00 8248 0.00 Female Single All 8253 0.00 8256 0.00 8257 0.00 8250 0.00 8258 0.00 Married All 8263 0.00 8266 0.00 8267 0.00 8260 0.00 8268 0.00 28 - 29 Male Single O 8213 -0.36 8216 -0.36 8217 -0.36 8210 -0.36 8218 -0.36 P 8233 -0.18 8236 -0.18 8237 -0.18 8230 -0.18 8238 -0.18 Married All 8273 0.00 8276 0.00 8277 0.00 8270 0.00 8278 0.00 Female Single All 8283 0.00 8286 0.00 8287 0.00 8280 0.00 8288 0.00 Married All 8293 0.00 8296 0.00 8297 0.00 8290 0.00 8298 0.00

Vermont Automobile R-31 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

IX. EXTENDED GOOD STUDENT CREDIT

Super Preferred, Super Preferred Slelect, Preferred, Preferred Select, Standard, and Standard Select Programs

1. No Youthful Operator - Primary Classification

Age Sex Marital Principal Oper. Drive to Work Status Occasional Pleasure Short Comm Long Comm Business Farm

21 - 22 Male Single O 8401/ -0.18 8402/ -0.24 8403/ -0.24 8408/ -0.24 8409/ -0.18 P 8411/ -0.40 8412/ -0.40 8413/ -0.40 8418/ -0.40 8419/ -0.40 Married O 8421/ -0.12 8422/ -0.18 8423/ -0.18 8428/ -0.18 8429/ -0.12 P 8431/ -0.12 8432/ -0.18 8433/ -0.18 8438/ -0.18 8439/ -0.12 Female Single O 8701/ -0.12 8702/ -0.18 8703/ -0.18 8708/ -0.18 8709/ -0.12 P 8711/ -0.18 8712/ -0.24 8713/ -0.24 8718/ -0.24 8719/ -0.18 Married All Refer To All Other 23 - 24 Male Single O 8301/ -0.15 8302/ -0.21 8303/ -0.21 8308/ -0.21 8309/ -0.15 P 8311/ -0.40 8312/ -0.40 8313/ -0.40 8318/ -0.40 8319/ -0.40 Married O 8321/ -0.15 8322/ -0.21 8323/ -0.21 8328/ -0.21 8329/ -0.15 P 8331/ -0.15 8332/ -0.21 8333/ -0.21 8338/ -0.21 8339/ -0.15 Female Single O 8721/ -0.15 8722/ -0.21 8723/ -0.21 8728/ -0.21 8729/ -0.15 P 8731/ -0.06 8732/ -0.12 8733/ -0.12 8738/ -0.12 8739/ -0.06 Married All Refer To All Other 25 - 27 Male Single O 8201/ -0.36 8202/ -0.40 8203/ -0.40 8208/ -0.40 8209/ -0.36 P 8221/ -0.15 8222/ -0.21 8223/ -0.21 8228/ -0.21 8229/ -0.15 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ -0.30 8212/ -0.36 8213/ -0.36 8218/ -0.36 8219/ -0.30 P 8231/ -0.12 8232/ -0.18 8233/ -0.18 8238/ -0.18 8239/ -0.12 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 0.00 8122/ 0.00 8123/ 0.00 8128/ 0.00 8129/ 0.00 50 - 64 All All All 8011/ 0.00 8012/ 0.00 8013/ 0.00 8018/ 0.00 8019/ 0.00 65 - 69 All All All 8021/ 0.00 8022/ 0.00 8023/ 0.00 8028/ 0.00 8029/ 0.00 70 - 74 All All All 8031/ 0.00 8032/ 0.00 8033/ 0.00 8038/ 0.00 8039/ 0.00 75 & Over All All All 8041/ 0.00 8042/ 0.00 8043/ 0.00 8048/ 0.00 8049/ 0.00 All Other All All All 8111/ 0.00 8112/ 0.00 8113/ 0.00 8118/ 0.00 8119/ 0.00

Vermont Automobile R-32 ANNUAL BASE RATES

AUTOSURANCE

000's Omitted Bodily Property Combined Medical Collision Rating Injury Damage Single Payments Comp $200 UM/UIM Territory $100/$300 $100 Limit $300 $5 $50 Ded Ded $300K 31 210 106 368 57 91 262 67 32 210 109 374 48 129 297 67 33 231 120 408 57 103 305 67 34 231 120 408 57 117 285 67 35 231 135 432 57 95 250 67 36 246 121 421 57 103 259 67 37 223 116 395 57 145 324 67

ANNUAL BASE RATES

ASSURANCE 000's Omitted Bodily Property Combined Medical Collision Rating Injury Damage Single Payments Comp $200 UM/UIM

Territory $100/$300 $100 Limit $300 $5 $50 Ded Ded $300K

1 284 144 506 48 136 264 70

2 196 168 436 48 114 238 70 20 230 152 438 52 130 284 70 21 202 122 390 48 118 270 70 22 230 112 390 48 118 286 70 23 228 112 394 48 126 302 70

MASTER ANNUAL BASE RATES

000's Omitted Bodily Property Combined Medical Rating Injury Damage Single Payments Comp $50 Collision UM/UIM Territory $100/$300 $100 Limit $300 $5 Ded $250 Ded $300K 1 386 198 690 60 186 358 70 2 264 232 588 60 154 324 70 20 314 202 594 70 178 390 70 21 284 160 532 60 160 368 70 22 314 154 532 62 160 392 70 23 308 154 536 60 172 410 70

Vermont Automobile R-33 SUPER PREFERRED ANNUAL BASE RATES 000's Omitted Bodily Property Combined Medical Collision Rating Injury Damage Single Payments Comp $200 UM/UIM Territory $100/$300 $100 Limit $300 $5 $50 Ded Ded $300K 31 250 124 426 62 82 232 72 32 248 126 430 52 120 264 72 33 274 144 488 62 96 270 72 34 274 144 480 62 106 252 72 35 264 150 496 62 90 222 72 36 290 140 488 62 96 230 72 37 264 134 464 62 132 288 72

SUPER PREFERRED SELECT ANNUAL BASE RATES 000's Omitted Bodily Property Combined Medical Rating Injury Damage Single Payments Comp $50 Collision UM/UIM Territory $100/$300 $100 Limit $300 $5 Ded $250 Ded $300K 31 240 118 410 62 78 224 70 32 234 124 412 52 116 254 70 33 264 138 468 62 92 256 70 34 264 138 464 62 100 244 70 35 254 144 474 62 86 212 70 36 274 134 468 62 92 220 70 37 254 128 442 62 128 278 70

PREFERRED ANNUAL BASE RATES

000's Omitted Bodily Property Combined Medical Collision Rating Injury Damage Single Payments Comp $200 UM/UIM Territory $100/$300 $100 Limit $300 $5 $50 Ded Ded $300K 31 302 144 512 70 98 276 92 32 298 146 520 60 142 312 92 33 330 170 574 70 114 318 92 34 330 170 572 70 128 300 92 35 316 176 588 70 108 262 92 36 342 168 574 78 114 272 92 37 316 154 552 70 158 342 92

Vermont Automobile R-34 PREFERRED SELECT ANNUAL BASE RATES

000's Omitted Bodily Property Combined Medical Rating Injury Damage Single Payments Comp $50 Collision UM/UIM Territory $100/$300 $100 Limit $300 $5 Ded $250 Ded $300K 31 284 136 484 62 92 256 82 32 280 138 486 56 132 294 82 33 308 154 538 62 106 300 82 34 308 154 536 62 120 282 82 35 298 170 552 62 98 246 82 36 318 152 538 70 106 254 82 37 298 146 520 62 152 318 82

STANDARD ANNUAL BASE RATES 000's Omitted Bodily Property Combined Medical Collision Rating Injury Damage Single Payments Comp $200 UM/UIM Territory $100/$300 $100 Limit $300 $5 $50 Ded Ded $300K 31 374 180 640 86 124 344 112 32 366 182 644 78 178 392 112 33 410 204 718 86 142 398 112 34 410 204 716 86 158 374 112 35 392 218 734 86 134 330 112 36 424 202 718 96 142 340 112 37 392 196 686 86 196 426 112

STANDARD SELECT ANNUAL BASE RATES 000's Omitted Bodily Property Combined Medical Rating Injury Damage Single Payments Comp $50 Collision UM/UIM Territory $100/$300 $100 Limit $300 $5 Ded $250 Ded $300K 31 360 174 620 86 120 336 110 32 354 176 628 78 172 382 110 33 400 200 698 86 138 388 110 34 400 200 690 86 156 362 110 35 386 214 716 86 130 318 110 36 416 196 698 96 138 332 110 37 386 188 670 86 190 416 110

Vermont Automobile R-35 PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT

MODEL YEAR/SYMBOL FACTORS MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT

MODEL YEAR / SYMBOL FACTORS

MiddleOak Autosurance Program

Model Year 1990 to Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 COMPREHENSIVE 1 0.83 0.79 0.75 0.71 0.68 0.65 0.62 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63 2 1.02 0.97 0.92 0.88 0.84 0.80 0.76 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63 3 1.26 1.20 1.14 1.09 1.04 0.99 0.94 1.12 1.07 1.02 0.97 0.92 0.88 0.84 0.80 0.76 4 1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.29 1.23 1.17 1.11 1.06 1.01 0.96 0.91 0.87 5 1.77 1.69 1.61 1.53 1.46 1.39 1.32 1.42 1.35 1.29 1.23 1.17 1.11 1.06 1.01 0.96 6 1.95 1.86 1.77 1.69 1.61 1.53 1.46 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 7 2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.72 1.64 1.56 1.49 1.42 1.35 1.29 1.23 1.17 8 2.34 2.23 2.12 2.02 1.92 1.83 1.74 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35 1.29 10 2.51 2.39 2.28 2.17 2.07 1.97 1.88 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41 11 2.69 2.56 2.44 2.32 2.21 2.10 2.00 2.26 2.15 2.05 1.95 1.86 1.77 1.69 1.61 1.53 12 2.84 2.70 2.57 2.45 2.33 2.22 2.11 2.49 2.37 2.26 2.15 2.05 1.95 1.86 1.77 1.69 13 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84 14 3.10 2.95 2.81 2.68 2.55 2.43 2.31 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.00 15 3.26 3.10 2.95 2.81 2.68 2.55 2.43 3.27 3.11 2.96 2.82 2.69 2.56 2.44 2.32 2.21 16 3.39 3.23 3.08 2.93 2.79 2.66 2.53 3.55 3.38 3.22 3.07 2.92 2.78 2.65 2.52 2.40 17 3.55 3.38 3.22 3.07 2.92 2.78 2.65 3.78 3.60 3.43 3.27 3.11 2.96 2.82 2.69 2.56 18 3.72 3.54 3.37 3.21 3.06 2.91 2.77 4.01 3.82 3.64 3.47 3.30 3.14 2.99 2.85 2.71 19 3.84 3.66 3.49 3.32 3.16 3.01 2.87 4.32 4.11 3.91 3.72 3.54 3.37 3.21 3.06 2.91 20 3.98 3.79 3.61 3.44 3.28 3.12 2.97 4.62 4.40 4.19 3.99 3.80 3.62 3.45 3.29 3.13 21 4.12 3.92 3.73 3.55 3.38 3.22 3.07 5.03 4.79 4.56 4.34 4.13 3.93 3.74 3.56 3.39 22 4.25 4.05 3.86 3.68 3.50 3.33 3.17 5.54 5.28 5.03 4.79 4.56 4.34 4.13 3.93 3.74 23 4.38 4.17 3.97 3.78 3.60 3.43 3.27 6.08 5.79 5.51 5.25 5.00 4.76 4.53 4.31 4.10 24 4.54 4.32 4.11 3.91 3.72 3.54 3.37 6.90 6.57 6.26 5.96 5.68 5.41 5.15 4.90 4.67 25 4.64 4.42 4.21 4.01 3.82 3.64 3.47 8.09 7.70 7.33 6.98 6.65 6.33 6.03 5.74 5.47 26 4.78 4.55 4.33 4.12 3.92 3.73 3.55 9.33 8.89 8.47 8.07 7.69 7.32 6.97 6.64 6.32 27 4.88 4.65 4.43 4.22 4.02 3.83 3.65 10.64 10.13 9.65 9.19 8.75 8.33 7.93 7.55 7.19 28 5.04 4.80 4.57 4.35 4.14 3.94 3.75 11.97 11.40 10.86 10.34 9.85 9.38 8.93 8.50 8.10 29 5.12 4.88 4.65 4.43 4.22 4.02 3.83 12.41 11.82 11.26 10.72 10.21 9.72 9.26 8.82 8.40 30 5.28 5.03 4.79 4.56 4.34 4.13 3.93 12.85 12.24 11.66 11.10 10.57 10.07 9.59 9.13 8.70 31 5.39 5.13 4.89 4.66 4.44 4.23 4.03 13.28 12.65 12.05 11.48 10.93 10.41 9.91 9.44 8.99 32 5.52 5.26 5.01 4.77 4.54 4.32 4.11 13.73 13.08 12.46 11.87 11.30 10.76 10.25 9.76 9.30 33 5.61 5.34 5.09 4.85 4.62 4.40 4.19 14.16 13.49 12.85 12.24 11.66 11.10 10.57 10.07 9.59 34 5.75 5.48 5.22 4.97 4.73 4.50 4.29 35 5.86 5.58 5.31 5.06 4.82 4.59 4.37 36 6.02 5.73 5.46 5.20 4.95 4.71 4.49 37 6.21 5.91 5.63 5.36 5.10 4.86 4.63 38 6.39 6.09 5.80 5.52 5.26 5.01 4.77

Vermont Automobile R-36

PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT

MODEL YEAR/SYMBOL FACTORS MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT MODEL YEAR / SYMBOL FACTORS

MiddleOak Autosurance Program

Model Year

1990 to Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 COMPREHENSIVE 39 6.55 6.24 5.94 5.66 5.39 5.13 4.89 40 6.74 6.42 6.11 5.82 5.54 5.28 5.03 41 6.90 6.57 6.26 5.96 5.68 5.41 5.15 42 7.09 6.75 6.43 6.12 5.83 5.55 5.29 43 7.25 6.90 6.57 6.26 5.96 5.68 5.41 44 7.44 7.09 6.75 6.43 6.12 5.83 5.55 45 7.59 7.23 6.89 6.56 6.25 5.95 5.67 46 7.79 7.42 7.07 6.73 6.41 6.10 5.81 47 8.00 7.62 7.26 6.91 6.58 6.27 5.97 48 8.20 7.81 7.44 7.09 6.75 6.43 6.12 49 8.41 8.01 7.63 7.27 6.92 6.59 6.28 50 8.60 8.19 7.80 7.43 7.08 6.74 6.42 51 8.82 8.40 8.00 7.62 7.26 6.91 6.58 52 9.03 8.60 8.19 7.80 7.43 7.08 6.74 53 9.22 8.78 8.36 7.96 7.58 7.22 6.88 54 9.53 9.08 8.65 8.24 7.85 7.48 7.12 55 9.94 9.47 9.02 8.59 8.18 7.79 7.42 56 10.38 9.89 9.42 8.97 8.54 8.13 7.74 57 10.79 10.28 9.79 9.32 8.88 8.46 8.06 58 11.48 10.93 10.41 9.91 9.44 8.99 8.56 59 12.35 11.76 11.20 10.67 10.16 9.68 9.22 60 13.27 12.64 12.04 11.47 10.92 10.40 9.90 61 14.19 13.51 12.87 12.26 11.68 11.12 10.59 62 15.15 14.43 13.74 13.09 12.47 11.88 11.31 63 16.14 15.37 14.64 13.94 13.28 12.65 12.05 64 17.15 16.33 15.55 14.81 14.10 13.43 12.79 65 18.11 17.25 16.43 15.65 14.90 14.19 13.51 66 19.58 18.65 17.76 16.91 16.10 15.33 14.60 67 21.55 20.52 19.54 18.61 17.72 16.88 16.08 68 23.52 22.40 21.33 20.31 19.34 18.42 17.54 69 25.45 24.24 23.09 21.99 20.94 19.94 18.99 70 27.42 26.11 24.87 23.69 22.56 21.49 20.47 71 29.41 28.01 26.68 25.41 24.20 23.05 21.95 72 31.40 29.90 28.48 27.12 25.83 24.60 23.43 73 33.38 31.79 30.28 28.84 27.47 26.16 24.91 74 35.37 33.69 32.09 30.56 29.10 27.71 26.39 75 37.34 35.56 33.87 32.26 30.72 29.26 27.87 98 27.42 26.11 24.87 23.69 22.56 21.49 20.47

Vermont Automobile R-37

PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT MODEL YEAR/SYMBOL FACTORS Model Year 1990 to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 COLLISION 1.24 1.18 1.12 1.07 1.02 0.97 0.92 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95 1 1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95 2 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 1.03 3 2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 4 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22 1.16 5 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22 6 2.48 2.36 2.25 2.14 2.04 1.94 1.85 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28 7 2.59 2.47 2.35 2.24 2.13 2.03 1.93 2.00 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35 8 2.71 2.58 2.46 2.34 2.23 2.12 2.02 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41 10 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.18 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 11 2.90 2.76 2.63 2.50 2.38 2.27 2.16 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.64 1.56 12 2.99 2.85 2.71 2.58 2.46 2.34 2.23 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.70 1.62 13 3.05 2.90 2.76 2.63 2.50 2.38 2.27 2.52 2.40 2.29 2.18 2.08 1.98 1.89 1.80 1.71 14 3.13 2.98 2.84 2.70 2.57 2.45 2.33 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84 15 3.17 3.02 2.88 2.74 2.61 2.49 2.37 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04 1.94 16 17 3.27 3.11 2.96 2.82 2.69 2.56 2.44 2.99 2.85 2.71 2.58 2.46 2.34 2.23 2.12 2.02 3.36 3.20 3.05 2.90 2.76 2.63 2.50 3.11 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.10 18 3.43 3.27 3.11 2.96 2.82 2.69 2.56 3.22 3.07 2.92 2.78 2.65 2.52 2.40 2.29 2.18 19 3.49 3.32 3.16 3.01 2.87 2.73 2.60 3.36 3.20 3.05 2.90 2.76 2.63 2.50 2.38 2.27 20 3.57 3.40 3.24 3.09 2.94 2.80 2.67 3.49 3.32 3.16 3.01 2.87 2.73 2.60 2.48 2.36 21 22 3.66 3.49 3.32 3.16 3.01 2.87 2.73 3.66 3.49 3.32 3.16 3.01 2.87 2.73 2.60 2.48 3.74 3.56 3.39 3.23 3.08 2.93 2.79 3.83 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59 23 3.80 3.62 3.45 3.29 3.13 2.98 2.84 3.99 3.80 3.62 3.45 3.29 3.13 2.98 2.84 2.70 24 25 3.90 3.71 3.53 3.36 3.20 3.05 2.90 4.21 4.01 3.82 3.64 3.47 3.30 3.14 2.99 2.85 3.94 3.75 3.57 3.40 3.24 3.09 2.94 4.43 4.22 4.02 3.83 3.65 3.48 3.31 3.15 3.00 26 27 3.99 3.80 3.62 3.45 3.29 3.13 2.98 4.65 4.43 4.22 4.02 3.83 3.65 3.48 3.31 3.15 4.10 3.90 3.71 3.53 3.36 3.20 3.05 4.87 4.64 4.42 4.21 4.01 3.82 3.64 3.47 3.30 28 4.14 3.94 3.75 3.57 3.40 3.24 3.09 5.09 4.85 4.62 4.40 4.19 3.99 3.80 3.62 3.45 29 4.22 4.02 3.83 3.65 3.48 3.31 3.15 5.31 5.06 4.82 4.59 4.37 4.16 3.96 3.77 3.59 30 4.28 4.08 3.89 3.70 3.52 3.35 3.19 5.53 5.27 5.02 4.78 4.55 4.33 4.12 3.92 3.73 31 32 4.34 4.13 3.93 3.74 3.56 3.39 3.23 5.75 5.48 5.22 4.97 4.73 4.50 4.29 4.09 3.90 4.42 4.21 4.01 3.82 3.64 3.47 3.30 5.97 5.69 5.42 5.16 4.91 4.68 4.46 4.25 4.05 33

34 4.47 4.26 4.06 3.87 3.69 3.51 3.34 4.55 4.33 4.12 3.92 3.73 3.55 3.38 35 4.61 4.39 4.18 3.98 3.79 3.61 3.44 36 37 4.69 4.47 4.26 4.06 3.87 3.69 3.51 38 4.80 4.57 4.35 4.14 3.94 3.75 3.57

Vermont Automobile R-38 PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT MODEL YEAR/SYMBOL FACTORS

Model Year 1990 to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 COLLISION

39 4.84 4.61 4.39 4.18 3.98 3.79 3.61 40 4.91 4.68 4.46 4.25 4.05 3.86 3.68 41 5.01 4.77 4.54 4.32 4.11 3.91 3.72 42 5.07 4.83 4.60 4.38 4.17 3.97 3.78 43 5.11 4.87 4.64 4.42 4.21 4.01 3.82 44 5.16 4.91 4.68 4.46 4.25 4.05 3.86 45 5.26 5.01 4.77 4.54 4.32 4.11 3.91 46 5.32 5.07 4.83 4.60 4.38 4.17 3.97 47 5.39 5.13 4.89 4.66 4.44 4.23 4.03 48 5.45 5.19 4.94 4.70 4.48 4.27 4.07 49 5.55 5.29 5.04 4.80 4.57 4.35 4.14 50 5.63 5.36 5.10 4.86 4.63 4.41 4.20 51 5.70 5.43 5.17 4.92 4.69 4.47 4.26 52 5.79 5.51 5.25 5.00 4.76 4.53 4.31 53 5.86 5.58 5.31 5.06 4.82 4.59 4.37 54 5.96 5.68 5.41 5.15 4.90 4.67 4.45 55 6.11 5.82 5.54 5.28 5.03 4.79 4.56 56 6.27 5.97 5.69 5.42 5.16 4.91 4.68 57 6.45 6.14 5.85 5.57 5.30 5.05 4.81 58 6.73 6.41 6.10 5.81 5.53 5.27 5.02 59 7.07 6.73 6.41 6.10 5.81 5.53 5.27 60 7.40 7.05 6.71 6.39 6.09 5.80 5.52 61 7.83 7.46 7.10 6.76 6.44 6.13 5.84 62 8.34 7.94 7.56 7.20 6.86 6.53 6.22 63 8.81 8.39 7.99 7.61 7.25 6.90 6.57 64 9.31 8.87 8.45 8.05 7.67 7.30 6.95 65 9.79 9.32 8.88 8.46 8.06 7.68 7.31 66 10.51 10.01 9.53 9.08 8.65 8.24 7.85 67 11.51 10.96 10.44 9.94 9.47 9.02 8.59 68 12.50 11.90 11.33 10.79 10.28 9.79 9.32 69 13.47 12.83 12.22 11.64 11.09 10.56 10.06 70 14.43 13.74 13.09 12.47 11.88 11.31 10.77 71 15.42 14.69 13.99 13.32 12.69 12.09 11.51 72 16.41 15.63 14.89 14.18 13.50 12.86 12.25 73 17.41 16.58 15.79 15.04 14.32 13.64 12.99 74 18.42 17.54 16.70 15.90 15.14 14.42 13.73 75 19.39 18.47 17.59 16.75 15.95 15.19 14.47 98 14.43 13.74 13.09 12.47 11.88 11.31 10.77

Vermont Automobile R-39 PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT

MODEL YEAR/SYMBOL FACTORS Assurance, Master Model Year

1990 to Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 COMPREHENSIVE 1 0.83 0.79 0.75 0.71 0.68 0.65 0.62 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63 2 1.02 0.97 0.92 0.88 0.84 0.80 0.76 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63 3 1.26 1.20 1.14 1.09 1.04 0.99 0.94 1.12 1.07 1.02 0.97 0.92 0.88 0.84 0.80 0.76 4 1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.29 1.23 1.17 1.11 1.06 1.01 0.96 0.91 0.87 5 1.77 1.69 1.61 1.53 1.46 1.39 1.32 1.42 1.35 1.29 1.23 1.17 1.11 1.06 1.01 0.96

6 1.95 1.86 1.77 1.69 1.61 1.53 1.46 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 7 2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.72 1.64 1.56 1.49 1.42 1.35 1.29 1.23 1.17 8 2.34 2.23 2.12 2.02 1.92 1.83 1.74 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35 1.29 10 2.51 2.39 2.28 2.17 2.07 1.97 1.88 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41 11 2.69 2.56 2.44 2.32 2.21 2.10 2.00 2.26 2.15 2.05 1.95 1.86 1.77 1.69 1.61 1.53 12 2.84 2.70 2.57 2.45 2.33 2.22 2.11 2.49 2.37 2.26 2.15 2.05 1.95 1.86 1.77 1.69 13 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84 14 3.10 2.95 2.81 2.68 2.55 2.43 2.31 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.00 15 3.26 3.10 2.95 2.81 2.68 2.55 2.43 3.27 3.11 2.96 2.82 2.69 2.56 2.44 2.32 2.21 16 3.39 3.23 3.08 2.93 2.79 2.66 2.53 3.55 3.38 3.22 3.07 2.92 2.78 2.65 2.52 2.40 17 3.55 3.38 3.22 3.07 2.92 2.78 2.65 3.83 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59 18 3.72 3.54 3.37 3.21 3.06 2.91 2.77 4.11 3.91 3.72 3.54 3.37 3.21 3.06 2.91 2.77 19 3.84 3.66 3.49 3.32 3.16 3.01 2.87 4.43 4.22 4.02 3.83 3.65 3.48 3.31 3.15 3.00 20 3.98 3.79 3.61 3.44 3.28 3.12 2.97 4.82 4.59 4.37 4.16 3.96 3.77 3.59 3.42 3.26 21 4.12 3.92 3.73 3.55 3.38 3.22 3.07 5.27 5.02 4.78 4.55 4.33 4.12 3.92 3.73 3.55 22 4.25 4.05 3.86 3.68 3.50 3.33 3.17 5.82 5.54 5.28 5.03 4.79 4.56 4.34 4.13 3.93 23 4.38 4.17 3.97 3.78 3.60 3.43 3.27 6.39 6.09 5.80 5.52 5.26 5.01 4.77 4.54 4.33 24 4.54 4.32 4.11 3.91 3.72 3.54 3.37 7.30 6.95 6.62 6.30 6.00 5.71 5.44 5.18 4.94 25 4.64 4.42 4.21 4.01 3.82 3.64 3.47 8.52 8.11 7.72 7.35 7.00 6.67 6.35 6.05 5.77 26 4.78 4.55 4.33 4.12 3.92 3.73 3.55 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 27 4.88 4.65 4.43 4.22 4.02 3.83 3.65 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 28 5.04 4.80 4.57 4.35 4.14 3.94 3.75 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 29 5.12 4.88 4.65 4.43 4.22 4.02 3.83 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 30 5.28 5.03 4.79 4.56 4.34 4.13 3.93 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 31 5.39 5.13 4.89 4.66 4.44 4.23 4.03 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 32 5.52 5.26 5.01 4.77 4.54 4.32 4.11 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 33 5.61 5.34 5.09 4.85 4.62 4.40 4.19 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 34 5.75 5.48 5.22 4.97 4.73 4.50 4.29 35 5.86 5.58 5.31 5.06 4.82 4.59 4.37 36 6.02 5.73 5.46 5.20 4.95 4.71 4.49 37 6.21 5.91 5.63 5.36 5.10 4.86 4.63 38 6.39 6.09 5.80 5.52 5.26 5.01 4.77

Vermont Automobile R-40

PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT MODEL YEAR/SYMBOL FACTORS Assurance, Master

Model Year 1990 to Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 COMPREHENSIVE

39 6.55 6.24 5.94 5.66 5.39 5.13 4.89 40 6.74 6.42 6.11 5.82 5.54 5.28 5.03 41 6.90 6.57 6.26 5.96 5.68 5.41 5.15 42 7.09 6.75 6.43 6.12 5.83 5.55 5.29 43 7.25 6.90 6.57 6.26 5.96 5.68 5.41 44 7.44 7.09 6.75 6.43 6.12 5.83 5.55 45 7.59 7.23 6.89 6.56 6.25 5.95 5.67 46 7.79 7.42 7.07 6.73 6.41 6.10 5.81 47 8.00 7.62 7.26 6.91 6.58 6.27 5.97 48 8.20 7.81 7.44 7.09 6.75 6.43 6.12 49 8.41 8.01 7.63 7.27 6.92 6.59 6.28 50 8.60 8.19 7.80 7.43 7.08 6.74 6.42 51 8.82 8.40 8.00 7.62 7.26 6.91 6.58 52 9.03 8.60 8.19 7.80 7.43 7.08 6.74 53 9.22 8.78 8.36 7.96 7.58 7.22 6.88 54 9.53 9.08 8.65 8.24 7.85 7.48 7.12 55 9.94 9.47 9.02 8.59 8.18 7.79 7.42 56 10.38 9.89 9.42 8.97 8.54 8.13 7.74 57 10.79 10.28 9.79 9.32 8.88 8.46 8.06 58 11.48 10.93 10.41 9.91 9.44 8.99 8.56 59 12.35 11.76 11.20 10.67 10.16 9.68 9.22 60 13.27 12.64 12.04 11.47 10.92 10.40 9.90 61 14.19 13.51 12.87 12.26 11.68 11.12 10.59 62 15.15 14.43 13.74 13.09 12.47 11.88 11.31 63 16.14 15.37 14.64 13.94 13.28 12.65 12.05 64 17.15 16.33 15.55 14.81 14.10 13.43 12.79 65 18.11 17.25 16.43 15.65 14.90 14.19 13.51 66 19.58 18.65 17.76 16.91 16.10 15.33 14.60 67 21.55 20.52 19.54 18.61 17.72 16.88 16.08 68 23.52 22.40 21.33 20.31 19.34 18.42 17.54 69 25.45 24.24 23.09 21.99 20.94 19.94 18.99 70 27.42 26.11 24.87 23.69 22.56 21.49 20.47 71 29.41 28.01 26.68 25.41 24.20 23.05 21.95 72 31.40 29.90 28.48 27.12 25.83 24.60 23.43 73 33.38 31.79 30.28 28.84 27.47 26.16 24.91 74 35.37 33.69 32.09 30.56 29.10 27.71 26.39 75 37.34 35.56 33.87 32.26 30.72 29.26 27.87 98 27.42 26.11 24.87 23.69 22.56 21.49 20.47

Vermont Automobile R-41

PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT MODEL YEAR/SYMBOL FACTORS Assurance, Master

Model Year

1990 to Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

Collision 1 1.24 1.18 1.12 1.07 1.02 0.97 0.92 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95 2 1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95 3 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 1.03 4 2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 5 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22 1.16 6 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22 7 2.48 2.36 2.25 2.14 2.04 1.94 1.85 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28 8 2.59 2.47 2.35 2.24 2.13 2.03 1.93 2.00 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35 10 2.71 2.58 2.46 2.34 2.23 2.12 2.02 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41 11 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.18 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 12 2.90 2.76 2.63 2.50 2.38 2.27 2.16 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.64 1.56 13 2.99 2.85 2.71 2.58 2.46 2.34 2.23 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.70 1.62 14 3.05 2.90 2.76 2.63 2.50 2.38 2.27 2.52 2.40 2.29 2.18 2.08 1.98 1.89 1.80 1.71 15 3.13 2.98 2.84 2.70 2.57 2.45 2.33 2.72 2.59 2.47 2.35 2.25 2.13 2.03 1.93 1.84 16 3.17 3.02 2.88 2.74 2.61 2.49 2.37 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04 1.94 17 3.27 3.11 2.96 2.82 2.69 2.56 2.44 3.01 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04 18 3.36 3.20 3.05 2.90 2.76 2.63 2.50 3.16 3.01 2.87 2.73 2.60 2.48 2.36 2.25 2.14 19 3.43 3.27 3.11 2.96 2.82 2.69 2.56 3.32 3.16 3.01 2.87 2.73 2.60 2.48 2.36 2.25 20 3.49 3.32 3.16 3.01 2.87 2.73 2.60 3.48 3.31 3.15 3.00 2.86 2.72 2.59 2.47 2.35 21 3.57 3.40 3.24 3.09 2.94 2.80 2.67 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59 2.47 22 3.66 3.49 3.32 3.16 3.01 2.87 2.73 3.86 3.68 3.50 3.33 3.17 3.02 2.88 2.74 2.61 23 3.74 3.56 3.39 3.23 3.08 2.93 2.79 4.06 3.87 3.69 3.51 3.34 3.18 3.03 2.89 2.75 24 3.80 3.62 3.45 3.29 3.13 2.98 2.84 4.39 4.18 3.98 3.79 3.61 3.44 3.28 3.12 2.98 25 3.90 3.71 3.53 3.36 3.20 3.05 2.90 4.88 4.65 4.43 4.22 4.02 3.83 3.65 3.48 3.31 26 3.94 3.75 3.57 3.40 3.24 3.09 2.94 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 27 3.99 3.80 3.62 3.45 3.29 3.13 2.98 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 28 4.10 3.90 3.71 3.53 3.36 3.20 3.05 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 29 4.14 3.94 3.75 3.57 3.40 3.24 3.09 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 30 4.22 4.02 3.83 3.65 3.48 3.31 3.15 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 31 4.28 4.08 3.89 3.70 3.52 3.35 3.19 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 32 4.34 4.13 3.93 3.74 3.56 3.39 3.23 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 33 4.42 4.21 4.01 3.82 3.64 3.47 3.30 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 34 4.47 4.26 4.06 3.87 3.69 3.51 3.34 35 4.55 4.33 4.12 3.92 3.73 3.55 3.38 36 4.61 4.39 4.18 3.98 3.79 3.61 3.44 37 4.69 4.47 4.26 4.06 3.87 3.69 3.51 38 4.80 4.57 4.35 4.14 3.94 3.75 3.57

Vermont Automobile R-42 PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT MODEL YEAR/SYMBOL FACTORS Assurance, Master

Model Year

1990 to Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 Collision 39 4.84 4.61 4.39 4.18 3.98 3.79 3.61 40 4.91 4.68 4.46 4.25 4.05 3.86 3.68 41 5.01 4.77 4.54 4.32 4.11 3.91 3.72 42 5.07 4.83 4.60 4.38 4.17 3.97 3.78 43 5.11 4.87 4.64 4.42 4.21 4.01 3.82 44 5.16 4.91 4.68 4.46 4.25 4.05 3.86 45 5.26 5.01 4.77 4.54 4.32 4.11 3.91 46 5.32 5.07 4.83 4.60 4.38 4.17 3.97 47 5.39 5.13 4.89 4.66 4.44 4.23 4.03 48 5.45 5.19 4.94 4.70 4.48 4.27 4.07 49 5.55 5.29 5.04 4.80 4.57 4.35 4.14 50 5.63 5.36 5.10 4.86 4.63 4.41 4.20 51 5.70 5.43 5.17 4.92 4.69 4.47 4.26 52 5.79 5.51 5.25 5.00 4.76 4.53 4.31 53 5.86 5.58 5.31 5.06 4.82 4.59 4.37 54 5.96 5.68 5.41 5.15 4.90 4.67 4.45 55 6.11 5.82 5.54 5.28 5.03 4.79 4.56 56 6.27 5.97 5.69 5.42 5.16 4.91 4.68 57 6.45 6.14 5.85 5.57 5.30 5.05 4.81 58 6.73 6.41 6.10 5.81 5.53 5.27 5.02 59 7.07 6.73 6.41 6.10 5.81 5.53 5.27 60 7.40 7.05 6.71 6.39 6.09 5.80 5.52 61 7.83 7.46 7.10 6.76 6.44 6.13 5.84 62 8.34 7.94 7.56 7.20 6.86 6.53 6.22 63 8.81 8.39 7.99 7.61 7.25 6.90 6.57 64 9.31 8.87 8.45 8.05 7.67 7.30 6.95 65 9.79 9.32 8.88 8.46 8.06 7.68 7.31 66 10.51 10.01 9.53 9.08 8.65 8.24 7.85 67 11.51 10.96 10.44 9.94 9.47 9.02 8.59 68 12.50 11.90 11.33 10.79 10.28 9.79 9.32 69 13.47 12.83 12.22 11.64 11.09 10.56 10.06 70 14.43 13.74 13.09 12.47 11.88 11.31 10.77 71 15.42 14.69 13.99 13.32 12.69 12.09 11.51 72 16.41 15.63 14.89 14.18 13.50 12.86 12.25 73 17.41 16.58 15.79 15.04 14.32 13.64 12.99 74 18.42 17.54 16.70 15.90 15.14 14.42 13.73 19.39 18.47 17.59 16.75 15.95 15.19 75 14.47 98 14.43 13.74 13.09 12.47 11.88 11.31 10.77

Vermont Automobile R-43

PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT MODEL YEAR/SYMBOL FACTORS Super Preferred, Super Preferred Select, Preferred, Preferred Select, Standard, Standard Select

Model Year 1990 to Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 Comprehensive 1 0.83 0.79 0.75 0.71 0.68 0.65 0.62 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63 2 1.02 0.97 0.92 0.88 0.84 0.80 0.76 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63 3 1.26 1.20 1.14 1.09 1.04 0.99 0.94 1.12 1.07 1.02 0.97 0.92 0.88 0.84 0.80 0.76 4 1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.29 1.23 1.17 1.11 1.06 1.01 0.96 0.91 0.87 1.77 1.69 1.61 1.53 1.46 1.39 5 1.32 1.42 1.35 1.29 1.23 1.17 1.11 1.06 1.01 0.96 1.95 1.86 1.77 1.69 1.61 1.53 6 1.46 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 2.17 2.07 1.97 1.88 1.79 1.70 7 1.62 1.72 1.64 1.56 1.49 1.42 1.35 1.29 1.23 1.17 2.34 2.23 2.12 2.02 1.92 1.83 8 1.74 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35 1.29 2.51 2.39 2.28 2.17 2.07 1.97 10 1.88 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41 2.69 2.56 2.44 2.32 2.21 2.10 11 2.00 2.26 2.15 2.05 1.95 1.86 1.77 1.69 1.61 1.53 2.84 2.70 2.57 2.45 2.33 2.22 12 2.11 2.49 2.37 2.26 2.15 2.05 1.95 1.86 1.77 1.69 2.96 2.82 2.69 2.56 2.44 2.32 13 2.21 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84 3.10 2.95 2.81 2.68 2.55 2.43 14 2.31 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.00 3.26 3.10 2.95 2.81 2.68 2.55 15 2.43 3.27 3.11 2.96 2.82 2.69 2.56 2.44 2.32 2.21 3.39 3.23 3.08 2.93 2.79 2.66 16 2.53 3.55 3.38 3.22 3.07 2.92 2.78 2.65 2.52 2.40 3.55 3.38 3.22 3.07 2.92 2.78 17 2.65 3.83 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59 3.72 3.54 3.37 3.21 3.06 2.91 18 2.77 4.11 3.91 3.72 3.54 3.37 3.21 3.06 2.91 2.77 3.84 3.66 3.49 3.32 3.16 3.01 19 2.87 4.43 4.22 4.02 3.83 3.65 3.48 3.31 3.15 3.00 3.98 3.79 3.61 3.44 3.28 3.12 20 2.97 4.82 4.59 4.37 4.16 3.96 3.77 3.59 3.42 3.26 4.12 3.92 3.73 3.55 3.38 3.22 21 3.07 5.27 5.02 4.78 4.55 4.33 4.12 3.92 3.73 3.55 4.25 4.05 3.86 3.68 3.50 3.33 22 3.17 5.82 5.54 5.28 5.03 4.79 4.56 4.34 4.13 3.93 23 4.38 4.17 3.97 3.78 3.60 3.43 3.27 6.39 6.09 5.80 5.52 5.26 5.01 4.77 4.54 4.33 4.54 4.32 4.11 3.91 3.72 3.54 24 3.37 7.30 6.95 6.62 6.30 6.00 5.71 5.44 5.18 4.94 25 4.64 4.42 4.21 4.01 3.82 3.64 3.47 8.52 8.11 7.72 7.35 7.00 6.67 6.35 6.05 5.77 26 4.78 4.55 4.33 4.12 3.92 3.73 3.55 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 4.88 4.65 4.43 4.22 4.02 3.83 27 3.65 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 5.04 4.80 4.57 4.35 4.14 3.94 28 3.75 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 5.12 4.88 4.65 4.43 4.22 4.02 29 3.83 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 5.28 5.03 4.79 4.56 4.34 4.13 30 3.93 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 5.39 5.13 4.89 4.66 4.44 4.23 31 4.03 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 5.52 5.26 5.01 4.77 4.54 4.32 32 4.11 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 5.61 5.34 5.09 4.85 4.62 4.40 33 4.19 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66 5.75 5.48 5.22 4.97 4.73 4.50 34 4.29 5.86 5.58 5.31 5.06 4.82 4.59 35 4.37 6.02 5.73 5.46 5.20 4.95 4.71 36 4.49 6.21 5.91 5.63 5.36 5.10 4.86 37 4.63 38 6.39 6.09 5.80 5.52 5.26 5.01 4.77

Vermont Automobile R-44

PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT MODEL YEAR/SYMBOL FACTORS Super Preferred, Super Preferred Select, Preferred, Preferred Select, Standard, Standard Select

Model Year 1990 to Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 Comprehensive 39 6.55 6.24 5.94 5.66 5.39 5.13 4.89 40 6.74 6.42 6.11 5.82 5.54 5.28 5.03 41 6.90 6.57 6.26 5.96 5.68 5.41 5.15 7.09 6.75 6.43 6.12 5.83 5.55 42 5.29 7.25 6.90 6.57 6.26 5.96 5.68 5.41 43 7.44 7.09 6.75 6.43 6.12 5.83 5.55 44 7.59 7.23 6.89 6.56 6.25 5.95 5.67 45 7.79 7.42 7.07 6.73 6.41 6.10 5.81 46 8.00 7.62 7.26 6.91 6.58 6.27 47 5.97 8.20 7.81 7.44 7.09 6.75 6.43 6.12 48 8.41 8.01 7.63 7.27 6.92 6.59 6.28 49 8.60 8.19 7.80 7.43 7.08 6.74 6.42 50 8.82 8.40 8.00 7.62 7.26 6.91 6.58 51 9.03 8.60 8.19 7.80 7.43 7.08 52 6.74 9.22 8.78 8.36 7.96 7.58 7.22 6.88 53 9.53 9.08 8.65 8.24 7.85 7.48 7.12 54 9.94 9.47 9.02 8.59 8.18 7.79 7.42 55 10.38 9.89 9.42 8.97 8.54 8.13 7.74 56 10.79 10.28 9.79 9.32 8.88 8.46 57 8.06 11.48 10.93 10.41 9.91 9.44 8.99 8.56 58 12.35 11.76 11.20 10.67 10.16 9.68 9.22 59 13.27 12.64 12.04 11.47 10.92 10.40 9.90 60 14.19 13.51 12.87 12.26 11.68 11.12 10.59 61 15.15 14.43 13.74 13.09 12.47 11.88 62 11.31 16.14 15.37 14.64 13.94 13.28 12.65 12.05 63 17.15 16.33 15.55 14.81 14.10 13.43 12.79 64 18.11 17.25 16.43 15.65 14.90 14.19 13.51 65 19.58 18.56 17.76 16.91 16.10 15.33 14.60 66 21.55 20.52 19.54 18.61 17.72 16.88 67 16.08 23.52 22.40 21.33 20.31 19.34 18.42 17.54 68 25.45 24.24 23.09 21.99 20.94 19.94 18.99 69 27.42 26.11 24.87 23.69 22.56 21.49 20.47 70 29.41 28.01 26.68 25.41 24.20 23.05 21.95 71 31.40 29.90 28.48 27.12 25.83 24.60 72 23.43 33.38 31.79 30.28 28.84 27.47 26.16 24.91 73 35.37 33.69 32.09 30.56 29.10 27.71 26.39 74 37.34 35.56 33.87 32.26 30.72 29.26 27.87 75 27.42 26.11 24.87 23.69 22.56 21.49 20.47 98

Vermont Automobile R-45 MODEL YEAR/SYMBOL FACTORS Super Preferred, Super Preferred Select, Preferred, Preferred Select, Standard, Standard Select

Model Year

1990 to Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 Collision 1 1.24 1.18 1.12 1.07 1.02 0.97 0.92 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95 2 1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95 3 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 1.03 4 2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 5 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22 1.16 6 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22 7 2.48 2.36 2.25 2.14 2.04 1.94 1.85 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28 8 2.59 2.47 2.35 2.24 2.13 2.03 1.93 2.00 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35 10 2.71 2.58 2.46 2.34 2.23 2.12 2.02 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41 11 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.18 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 12 2.90 2.76 2.63 2.50 2.38 2.27 2.16 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.64 1.56 13 2.99 2.85 2.71 2.58 2.46 2.34 2.23 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.70 1.62 14 3.05 2.90 2.76 2.63 2.50 2.38 2.27 2.52 2.40 2.29 2.18 2.08 1.98 1.89 1.80 1.71 15 3.13 2.98 2.84 2.70 2.57 2.45 2.33 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84 16 3.17 3.02 2.88 2.74 2.61 2.49 2.37 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04 1.94 17 3.27 3.11 2.96 2.82 2.69 2.56 2.44 3.01 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04 18 3.36 3.20 3.05 2.90 2.76 2.63 2.50 3.16 3.01 2.87 2.73 2.60 2.48 2.36 2.25 2.14 19 3.43 3.27 3.11 2.96 2.82 2.69 2.56 3.32 3.16 3.01 2.87 2.73 2.60 2.48 2.36 2.25 20 3.49 3.32 3.16 3.01 2.87 2.73 2.60 3.48 3.31 3.15 3.00 2.86 2.72 2.59 2.47 2.35 21 3.57 3.40 3.24 3.09 2.94 2.80 2.67 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59 2.47 22 3.66 3.49 3.32 3.16 3.01 2.87 2.73 3.86 3.68 3.50 3.33 3.17 3.02 2.88 2.74 2.61 23 3.74 3.56 3.39 3.23 3.08 2.93 2.79 4.06 3.87 3.69 3.51 3.34 3.18 3.03 2.89 2.75 24 3.80 3.62 3.45 3.29 3.13 2.98 2.84 4.39 4.18 3.98 3.79 3.61 3.44 3.28 3.12 2.98 25 3.90 3.71 3.53 3.36 3.20 3.05 2.90 4.88 4.65 4.43 4.22 4.02 3.83 3.65 3.48 3.31 26 3.94 3.75 3.57 3.40 3.24 3.09 2.94 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 27 3.99 3.80 3.62 3.45 3.29 3.13 2.98 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 28 4.10 3.90 3.71 3.53 3.36 3.20 3.05 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 29 4.14 3.94 3.75 3.57 3.40 3.24 3.09 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 30 4.22 4.02 3.83 3.65 3.48 3.31 3.15 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 31 4.28 4.08 3.89 3.70 3.52 3.35 3.19 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 32 4.34 4.13 3.93 3.74 3.56 3.39 3.23 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 33 4.42 4.21 4.01 3.82 3.64 3.47 3.30 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65 34 4.47 4.26 4.06 3.87 3.69 3.51 3.34 35 4.55 4.33 4.12 3.92 3.73 3.55 3.38 36 4.61 4.39 4.18 3.98 3.79 3.61 3.44 37 4.69 4.47 4.26 4.06 3.87 3.69 3.51 38 4.80 4.57 4.35 4.14 3.94 3.75 3.57

Vermont Automobile R-46

PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT YEAR/SYMBOL FACTORS Super Preferred, Super Preferred Select, Preferred, Preferred Select, Standard, Standard Select

Model Year

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 Collision 39 4.84 4.61 4.39 4.18 3.98 3.79 3.61 40 4.91 4.68 4.46 4.25 4.05 3.86 3.68 41 5.01 4.77 4.54 4.32 4.11 3.91 3.72 42 5.07 4.83 4.60 4.38 4.17 3.97 3.78 43 5.11 4.87 4.64 4.42 4.21 4.01 3.82 44 5.16 4.91 4.68 4.46 4.25 4.05 3.86 45 5.26 5.01 4.77 4.54 4.32 4.11 3.91 46 5.32 5.07 4.83 4.60 4.38 4.17 3.97 47 5.39 5.13 4.89 4.66 4.44 4.23 4.03 48 5.45 5.19 4.94 4.70 4.48 4.27 4.07 49 5.55 5.29 5.04 4.80 4.57 4.35 4.14 50 5.63 5.36 5.10 4.86 4.63 4.41 4.20 51 5.70 5.43 5.17 4.92 4.69 4.47 4.26 52 5.79 5.51 5.25 5.00 4.76 4.53 4.31 53 5.86 5.58 5.31 5.06 4.82 4.59 4.37 54 5.96 5.68 5.41 5.15 4.90 4.67 4.45 55 6.11 5.82 5.54 5.28 5.03 4.79 4.56 56 6.27 5.97 5.69 5.42 5.16 4.91 4.68 57 6.45 6.14 5.85 5.57 5.30 5.05 4.81 58 6.73 6.41 6.10 5.81 5.53 5.27 5.02 59 7.07 6.73 6.41 6.10 5.81 5.53 5.27 7.40 7.05 6.71 6.39 6.09 5.80 5.52 60 7.83 7.46 7.10 6.76 6.44 6.13 5.84 61 62 8.34 7.94 7.56 7.20 6.86 6.53 6.22 8.81 8.39 7.99 7.61 7.25 6.90 6.57 63 9.31 8.87 8.45 8.05 7.67 7.30 6.95 64 9.79 9.32 8.88 8.46 8.06 7.68 7.31 65 10.51 10.01 9.53 9.08 8.65 8.24 7.85 66 67 11.51 10.96 10.44 9.94 9.47 9.02 8.59 12.50 11.90 11.33 10.79 10.28 9.79 9.32 68 13.47 12.83 12.22 11.64 11.09 10.56 10.06 69 14.43 13.74 13.09 12.47 11.88 11.31 10.77 70 15.42 14.69 13.99 13.32 12.69 12.09 11.51 71 72 16.41 15.63 14.89 14.18 13.50 12.86 12.25 73 17.41 16.58 15.79 15.04 14.32 13.64 12.99 74 18.42 17.54 16.70 15.90 15.14 14.42 13.73 75 19.39 18.47 17.59 16.75 15.95 15.19 14.47 98 14.43 13.74 13.09 12.47 11.88 11.31 10.77

Vermont Automobile R-47

MISCELLANEOUS RATING FACTOR CHARTS CHART 1 Careful Driver Credit – Commerce Autosurance Program

# Drivers on Policy # Incidents / # Years 1 2 3 4 0 in 5 years -0.17 -0.19 -0.20 -0.22 0 in 4 years -0.13 -0.15 -0.17 -0.19 0 in 3 years -0.11 -0.13 -0.15 -0.17 1 in 3 years -0.08 -0.11 -0.13 -0.15 2 in 3 years -0.04 -0.08 -0.11 -0.13 3 in 3 years 0 -0.04 -0.08 -0.11 4 in 3 years 0 0 -0.04 -0.08 5 in 3 years 0 0 0 -0.04 6 in 3 years 0 0 0 0 7+ in 3 years 0 0 0 0

Careful Driver Credit - Super Preferred/Super Preferred Select Programs

# Drivers on Policy # Incidents / # Years 1 2 3 4 0 in 5 years -0.08 -0.09 -0.10 -0.11 0 in 4 years -0.06 -0.07 -0.08 -0.09 0 in 3 years -0.05 -0.06 -0.07 -0.08 1 in 3 years 0.00 -0.01 -0.02 -0.03 2 in 3 years 0.00 0.00 -0.01 -0.02 3 in 3 years 0.00 0.00 0.00 -0.01 4 in 3 years 0.00 0.00 0.00 0.00 5 in 3 years 0.00 0.00 0.00 0.00 6 in 3 years 0.00 0.00 0.00 0.00 7 in 3 years 0.00 0.00 0.00 0.00

Careful Driver Credit - Preferred/Preferred Select, Standard/ Standard Select Programs

# Drivers on Policy # Incidents / # Years 1 2 3 4 0 in 5 years -0.17 -0.19 -0.20 -0.22 0 in 4 years -0.13 -0.15 -0.17 -0.19 0 in 3 years -0.11 -0.13 -0.15 -0.17 1 in 3 years -0.04 -0.07 -0.09 -0.11 2 in 3 years 0.00 -0.04 -0.07 -0.09 3 in 3 years 0.00 0.00 -0.04 -0.07 4 in 3 years 0.00 0.00 0.00 -0.04 5 in 3 years 0.00 0.00 0.00 0.00 6 in 3 years 0.00 0.00 0.00 0.00 7 in 3 years 0.00 0.00 0.00 0.00

The class code rating factor for each [rated] driver will be adjusted by the appropriate amount as shown in the above charts based on the number of incidents per household and the number of drivers in the household who have been licensed at least 3 years (Refer to page 8 for example).

Vermont Automobile R-48

Chart #2

Financial Responsibility - Super Preferred/Super Preferred Select, Preferred/Preferred Select; Standard/Standard Select, Commerce Autosurance Programs

Insurance Credit Super, Pref, Score Range Std. Autosurance No Hit 1.00 1.00 Under 299 1.97 2.10 300 TO 360 1.84 1.97 361 TO 400 1.70 1.82 401 TO 440 1.64 1.76 441 TO 480 1.59 1.69 481 TO 520 1.55 1.66 521 TO 560 1.47 1.57 561 TO 590 1.39 1.49 591 TO 620 1.23 1.27 621 TO 650 1.10 1.13 651 TO 680 1.08 1.11 681 TO 705 1.07 1.09 706 TO 730 1.00 0.98 731 TO 770 0.95 0.93 771 TO 810 0.92 0.90 811 TO 850 0.89 0.87 851 TO 890 0.87 0.84 Over 890 0.83 0.82

The premium for each [rated] driver will be adjusted by the appropriate factor as shown in the above chart based on the range of credit score. When there is more than one driver on the policy, the credit report should only be run on one of them.

Chart #3

Household Composition – Super Preferred/Super Preferred Select, Preferred/Preferred Select, Standard/Standard Select, Commerce Autosurance All Other Programs CA Program Driver vs. Vehicles Youthful Driver on Policy Yes No Yes No More Drivers Than Vehicles 1.20 1.05 1.15 1.05 Same Number 1.15 1.00 1.10 1.00 More Vehicles Than Drivers 1.10 0.95 1.05 0.95

The premium for each rated driver will be adjusted by the appropriate factor as shown in the chart above based on the combination of drivers and the number of vehicles on the policy.

Vermont Automobile R-49

Chart #4

Extended Non-Owned – Annual Rates

(000's) Bodily Property Property (000's) Combined (000's) Medical Bodily Injury Damage Damage Combined Single Limit Medical Payments Injury Rate Limit Rate Single Rate Payments Rate Limit Limit Limit 25/50 $12.00 All $4.00 60 $16.00 1 $16.00 50/100 $14.00 100 $18.00 2 $20.00 100/300 $16.00 300 $20.00 5 $24.00 250/500 $18.00 500 $22.00 10 $34.00 300/300 $16.00 20 $48.00 500/500 $18.00

These charges apply to each non-owned vehicle covered by this endorsement. The above rates are annualized. To obtain semi- annual rates, divide the above by 2.

Chart #5

Audio / Visual, Electronic Data & Excess Sound Equipment

Assurance & Master CAP A/V Annual XS Sound A/V Annual XS Sound

Premium Annual Premium Limit Premium Annual Premium $20 N/A Up to $1500 $40 $40

$40 N/A $1,501 to $2,000 $68 $68 $68 N/A $2,001 to $2,500 $80 $80

$122 $122 $2,501 to $10,000 $150 $150 $190 $190

These charges apply based on the coverage selected. For Semi-Annual premiums, divide the above by 2 Refer to pg. 11 and 15 for definition and rules

Vermont Automobile R-50

Chart #6

Utility Trailers – Rate per $100 of coverage

Comprehensive 12 – Month Collision 12 – Month Deductible Policy Deductible Policy $0 (Full) $0.84 $100 $0.70 $50 $0.60 $200 $0.60 $100 $0.50 $500 $0.46 $200 $0.46 $1,000 $0.34 $500 $0.38 $1,000 $0.30

Rates in above chart are per $100 of coverage. Refer to pg. 17 for trailer definitions and rules.

Chart #7

UM Limit Factors

Combined Rate Factor (000’s) Rate (00 0’s) (0 00’s) Single Limit AS, MA All Other Split Limit Fa ctor PD L imit Premium

$100,000 0.61 0.48 50/100 0. 54 10, 000 $8.00 $300,000 1.00 1.00 100/300 0. 82 $500,000 1.21 1.21 250/500 1. 11 300/300 1.00 500/500 1. 25

Refer to pg. 17 for definitions and rules.

Chart #8

BI/PD/CSL Increased / Decreased Limit Factors Apply the appropriate factor from the chart above to the BI or PD base rate found in Territory Base Rate pages. Bodily Injury Property Damage Combined Single Limit (000’s) Limit Factor Limit Factor Limit Factor 25/50 0.72 $25,000 0.92 $60,000 0.85 50/100 0.86 $50,000 0.96 $100,000 0.89 100/300 1.00 $100,000 1.00 $300,000 1.00 250/500 1.10 $250,000 1.08 $500,000 1.06 300/300 1.06 500/500 1.17

Vermont Automobile R-51

Chart #9

Commerce Autosurance Program Tier relativities – apply to base coverages except UM/UIM

Tier Factor Tier Factor 1 0.687 26 1.070 2 0.703 27 1.086 3 0.718 28 1.101 4 0.733 29 1.116 5 0.749 30 1.132 6 0.764 31 1.147 7 0.779 32 1.162 8 0.795 33 1.178 9 0.810 34 1.193 10 0.825 35 1.208 11 0.841 36 1.224 12 0.856 37 1.239 13 0.871 38 1.254 14 0.887 39 1.270 15 0.902 40 1.285 16 0.917 41 1.300 17 0.933 42 1.316 18 0.948 43 1.331 19 0.963 44 1.346 20 0.979 45 1.362 21 0.994 46 1.377 22 1.009 47 1.392 23 1.025 48 1.408 24 1.040 49 1.423 25 1.055 50 1.438

Vermont Automobile R-52

Chart #10

Commerce Autosurance Program Liability Symbol Relativities

BI Symbol BI Relativity ORB/Med ORB/Med Symbol Relativity 250 0.80 450 0.80 255 0.80 455 0.80 260 0.80 460 0.80 265 0.80 465 0.80 270 0.80 470 0.80 275 0.80 475 0.80 280 0.80 480 0.80 285 0.85 485 0.85 290 0.90 490 0.90 295 0.95 495 0.95 300 1.00 500 1.00 305 1.05 505 1.05 310 1.10 510 1.10 315 1.15 515 1.15 320 1.20 520 1.20 325 1.25 525 1.25 330 1.25 530 1.25 335 1.25 535 1.25 340 1.25 540 1.25 345 1.25 545 1.25 350 1.25 550 1.25 355 1.25 555 1.25 360 1.25 560 1.25 365 1.25 565 1.25 370 1.25 570 1.25 375 1.25 575 1.25 380 1.25 580 1.25 385 1.25 585 1.25 390 1.25 590 1.25 Miscellaneous vehicles, vehicles with model years prior to 1998, and vehicles that do not get assigned a Liability symbol will have a rating factor 1.00 assigned

Vermont Automobile R-53

Notification for the Fair Credit Reporting Act

Our pricing and eligibility decisions are based in part on a consumer report(s) from a consumer reporting agency. You are entitled to request a free copy of your report within 60 days of receipt of this notice in order to review accuracy of the reports. To obtain your reports, please contact [Lexis Nexis Consumer Center, PO Box 105108, Atlanta, GA 30348-5108. Or call 1-800-456-6004, Monday through Friday, 8:00 A.M. to 6:00 P.M. Eastern Time].

Please note that the consumer reporting agency did not make any decisions regarding Commerce Insurance’s eligibility and pricing and will be unable to provide you with specific reasons for the decisions. However, they will be able to review the content of your report. (Please contact your insurance agent to explain reason(s) behind any company decision(s).) In addition, incorrect information in a consumer report can have an adverse effect on your eligibility or premium. If you believe the information in the consumer report is incorrect, you do have the right to dispute the accuracy and/or completeness of the information in your consumer report directly with the consumer- reporting agency.

Commerce Insurance Company Report Ordering

This is to reiterate that as part of our underwriting procedures, consumer reports are ordered relating to credit, driving record, and loss history.

Vermont Automobile Appendix A - 1 YOUTHFUL OPERATOR QUESTIONNAIRE

YOUTHFUL OPERATOR Commerce Insurance Assurance Company QUESTIONNAIRE INSURED’S NAME: POLICY NO.

TO BE COMPLETED IN FULL BY EACH LICENSED DRIVER, AGE 16 THROUGH 22, IN HIS OR HER OWN HANDWRITING PART WHENEVER: 1. The young driver is a member of the insured’s household (includes students away from home at school; with or without a car) rated as principal I. operator, non-principal operator, or separately rated on their car policy. 2. The young river changes status from a non-principal to principal operator. NOTE: For operators insured elsewhere, only Part I is required. NAME OF YOUNG DRIVER DATE OF BIRTH DRIVERS LICENSE NO.

1. WHERE DO YOU RESIDE? INDICATE GRADE AVERAGE USING THE A, B, C, D, F SCALE FOR EACH SCHOOL YEAR LISTED:

2. WHAT SCHOOL DO YOU, OR WILL YOU ATTEND? HIGH GRADE AVE GRADE AVE GRADE AVE SCHOOL 10 11 12 LOCATION OF SCHOOL. YEAR YEAR YEAR YEAR COLLEGE 1 2 3 4 3. HAVE YOU EVER BEEN EXPELLED, SUSPENDED, OR PLACED ON PROBATION BY ANY SCHOOL AUTHORITY?

YES NO IF YES, EXPLAIN 4. DESCRIBE EMPLOYMENT STATUS AND JOB DUTIES:

5. HOW MANY DAYS A WEEK DISTANCE TO 6. HOW MANY DAYS A WEEK DISTANCE WILL YOU DRIVE A CAR SCHOOL WILL YOU DRIVE A CAR TO WORK? TO SCHOOL? (ONE WAY) TO WORK? (ONE WAY): 7. DO YOU OR WILL YOU HAVE 8. WHICH CAR DO YOU DRIVE MOST OFTEN? A VEHICLE FOR YOUR USE AWAY AT SCHOOL? YES NO 9. HAVE YOU EVER BEEN CONVICTED OF OR PAID A FINE FOR ANY VIOLATION OF A TRAFFIC LAW? YES NO IF YES, GIVE DATES & DETAILS 10. HAVE YOU EVER BEEN INVOLVED IN AN ACCIDENT AS A DRIVER?

YES NO IF YES, GIVE DATES & DETAILS 11. IS THE VEHICLE YOU OPERATE MODIFIED IN ANY WAY?

YES NO IF YES, DESCRIBE MODIFICATIONS:

12. ARE ANY OF THE VEHICLES ON THIS POLICY OWNED BY OR REGISTERED TO YOU? YES NO IF YES, WHICH VEHICLE(S): 13. PLEASE COMPLETE IF YOU COMPANY POLICY NO. EFFECTIVE DATE HAVE COVERAGE FOR YOUR VEHICLE WITH ANOTHER COMPANY: 14. HAVE YOU EVER BEEN ARRESTED OR DETAINED BY A LEGAL AUTHORITY FOR ANY REASON OTHER THAN A TRAFFIC IF YES, VIOLATION? YES NO GIVE DATES & DETAILS: 15. HOW LONG HAVE YOU 16. DESCRIBE YOUR USE OF ALCOHOLIC BEVERAGES. BEEN DRIVING AUTOMOBILES?

DATE: APPLICANTS SIGNATURE:

PART II: Reverse Side 1101(7/01)

Vermont Automobile Appendix A - 2 TEEN CONTRACT

TEEN CONTRACT WITH C OMMERCE INSRUANCE PART (AGE 16 THROUGH 18 ONLY) II.

1. TEEN DRIVER

I promise to:

 Complete a Driver Training Course  Maintain a B or higher GPA  Wear seat belts at all times and make passengers wear seat belts at all times  Not drive under the influence of alcohol or drugs  Obey all traffic controls and observe the posted speed limits

TEEN DRIVER SIGNATURE: DATE:

2. PARENT(S)

I promise to:

 Impose a reasonable curfew based on teen’s academic, social and work schedules.  Limit passengers to one other teen other than family members.  Restrict driving during inclement weather.

PARENT SIGNATURE: DATE:

IF ANY OF THE TERMS OF THIS CONTRACT ARE NOT MET, THE CONTRACT AND DISCOUNTED RATE ARE VOIDED UPON THE NEXT RENEWAL.

TO BE COMPLETED BY THE AGENT

HAVE YOU SEEN AND INTERVIEWED THE YOUNG DRIVER PERSONALLY? YES NO

DESCRIBE THE YOUNG DRIVER’S ATTITUDE AS BEST YOU CAN DETERMINE.

DO YOU FEEL THIS INDIVIDUAL WILL BE A RESPONSIBLE DRIVER?

SIGNATURE OF D ATE: AGENT/INTERVIEWER:

Vermont Automobile Appendix A - 3 HEALTH STATEMENT

Commerce Insurance Assurance Company HEALTH STATEMENT INSURED’S NAME: POLICY NO.

PART I – TO BE COMPLETED BY INSURED 1. 2. DO YOU WEAR GLASSES OR CONTACT LENSES? HEIGHT WEIGHT YES NO IF YES, WHAT IS YOUR CORRECTED VISION? 3. DO YOU HAVE ANY HEARING

IMPAIRMENTS? IF YES, EXPLAIN HOW NO YES CORRECTED? 4. DO YOU HAVE HIGH BLOOD

PRESSURE? IF YES, HOW IS IT BEING NO YES TREATED? 5. HAVE YOU BEEN TREATED FOR A HEART CONDITION? IF YES, PLEASE NO YES EXPLAIN. 6. ARE YOU CURRENTLY UNDER TREATMENT FOR ANY SERIOUS ILLNESS? IF YES, PLEASE NO YES EXPLAIN. 7. HAVE YOU HAD ANY BLACKOUTS, STROKES IF YES, GIVE DATES OR FAINTING PERIODS IN THE LAST 5 AND THE DESCRIPTION YEARS? OF PROBLEM: NO YES 8. DO YOU HAVE ANY PHYSICAL/ IS A CAR ALTERED OR MODIFIED TO COMPENSATE MENTAL IMPAIRMENTS THAT FOR THE IMPAIRMENT? IF YES, SUBMIT FULL DETAILS YEAR EFFECT YOUR ABILITY TO AND DESCRIBE WHAT SPECIAL EQUIPMENT, IF ANY, IS NO SAFELY OPERATE AN INSTALLED IN THE VEHICLE TO COMPENSATE FOR MAKE AUTOMOBILE? THE DISABILITY. YES LICENSE RESTRICTION NO YES

IF YES, DESCRIBE THE TYPE AND LENGTH OF TIME WITH THE IMPAIRMENT: 9. DO YOU HAVE A REGULAR PRESCRIPTION(S) a. c. FOR MEDICATION? d. IF YES, GIVE b. NO YES DETAILS: 10. DO YOU HAVE YOUR DOCTOR’S PERMISSION TO DRIVE? NO YES IF NO, PLEASE EXPLAIN: 11. DATE OF YOUR LAST PHYSICAL EXAM: 12. INSURED’S SIGNATURE: DATE: PART 11 – TO BE COMPLETED BY AGENT 1. WHEN DID YOU LAST SEE THE INSURED?

2. BASED ON YOUR PERSONAL KNOWLEDGE, WHAT IS YOUR RECOMMENDATION REGARDING THE INSURED’S PHYSICAL DRIVING CAPABILITY SIGNATURE OF AGENT/INTERVIEWER: DATE:

1103 (1/89)

Vermont Automobile Appendix A - 4 VAN & PICKUP QUESTIONNAIRE

Commerce Insurance Assurance Company VAN & PICKUP QUESTIONNAIRE INSURED’S NAME POLICY NO.

TO BE COMPLETED IF THE VAN OR PICK-UP HAS PHYSICAL DAMAGE COVERAGE, AND IS MODIFIED OR ALTERED IN ANY WAY.

VEHICLE NO YEAR MAKE MODEL

HOW WILL THE VAN OR PICKUP BE USED?

WHO WILL OPERATE THE VAN OR PICKUP?

WHAT ALTERATIONS OR MODIFICATIONS HAVE BEEN MADE (INCLUDE ALL CHANGES TO CHASSIS, EXTERIOR AND INTERIOR)?

IS THERE A PLOW? YES NO

IF YES, DESCRIBE USE AND DO YOU RECEIVE PAYMENT FOR PLOWING?

IS THERE A CAP ON THIS VEHICLE? YES NO IF YES, PROVIDE VALUE $

WHAT IS THE CURRENT ODOMETER READING?

DO YOU PLAN TO ADD TO OR FURTHER MODIFY THIS VEHICLE? YES NO

IF YES, PLEASE EXPLAIN.

WHAT IS THE LOAD CAPACITY?

DATE APPLICANTS SIGNATURE

TO BE COMPLETED BY THE AGENT

HAVE YOU PERSONALLY INSPECTED THE VEHICLE? YES NO WHAT IS THE COST NEW OF THE BASIC VEHICLE? WHAT IS THE TOTAL COST OF THE ALTERATIONS & MODIFICATIONS?

**THIS AMOUNT SHOULD BE STATED AS CUSTOMIZED EQUIPMENT ON THE DECLARATIONS. DATE AGENT’S SIGNATURE

1102 (02/00)

Vermont Automobile Appendix A - 5