New Hampshire Automobile Manual

Policy issued by Middlesex Mutual Assurance Company – Middletown, CT

New Hampshire

Automobile

Manual

New Hampshire Automobile I MiddleOak Autosurance Program - New Business 05/03/2010 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010

Important Notice to Agents, Producers and Customer Service Representatives.

The Predictive Model Program rating plan applies to all New Business effective 05/03/2010 and Renewal Business effective 06/01/2011. Rate changes on all other programs are effective 6/2/2010.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 II MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 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 5 UNACCEPTABLE/CONCERNED VEHICLE LIST 5 - 7 UNACCEPTABLE VEHICLE LISTING 6 CONCERNED VEHICLE LISTING 7 DISCOUNTS 8 - 10 ACCOUNT DISCOUNT 8 AFFINITY DISCOUNT 8 ANTI-THEFT DEVICE DISCOUNT 8 COMPANY CAR DISCOUNT 8 EFT DISCOUNT 8 HOMEOWNERSHIP DISCOUNT 8, 9 HOUSEHOLD COMPOSITION FACTOR 9 MORE VEHICLES THAN DRIVERS CREDIT 9 MULTI-CAR DISCOUNT 9 NON-SMOKER DISCOUNT 9 PAID IN FULL DISCOUNT 9 PASSIVE RESTRAINT DISCOUNT 9 YOUTHFUL OPERATOR DISCOUNTS TEEN CONTRACT WITH MMA 9 GOOD STUDENT DISCOUNT 10 EXTENDED GOOD STUDENT DISCOUNT 10 DRIVER TRAINING DISCOUNT 10 STUDENT OVER 100 MILES FROM HOME DISCOUNT 10 OPTIONAL COVERAGES 11 – 21 ARTISAN CLASS 11 AUDIO/VISUAL AND ELECTRONIC DATA EQUIPMENT 11 CLASSIC/ANTIQUE CAR 11, 12 CORPORATE OWNED AUTOMOBILES 13 CUSTOMIZED EQUIPMENT 13 DAMAGE TO YOUR AUTO 13 DOMESTIC PARTNER 14 EXTENDED NON-OWNED 14

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TABLE OF CONTENTS Page EXTENDED TRANSPORTATION 14 FULL SAFETY GLASS COVERAGE 14 INCREASED DEDUCTIBLE FACTOR 15 INCREASED LIMITS FOR EXCESS SOUND REPRODUCING EQUIPMENT 15 LOAN/LEASE COVERAGE 15 MEDICAL PAYMENTS 16 MOTOR HOMES 16 STATED AMOUNT 16 TOWING AND LABOR 17 TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER AUTOMOBILES 17 UNINSURED/UNDERINSURED MOTORIST COVERAGE 17 MOTORCYCLES, MOPEDS, MOTOR SCOOTERS, MOTORBIKES, GO-CARTS, AND ANY OTHER SIMILAR MOTOR VEHICLES 18, 19 SNOWMOBILES AND ALL TERRAIN VEHICLES 19, 20 DUNE BUGGIES 20 GOLF CARTS 21 RATING RULES 22 - 43 GENERAL RATING RULES PREMIUM DETERMINATION 22 RATE FACTOR CLASSIFICATION 22, 23 USE CLASSIFICATION – MIDDLEOAK AUTOSURANCE PROGRAM 23 - 26 AGE, SEX AND MARITAL STATUS CLASSIFICATION 25, 26 USE CLASSIFICATION – ALL OTHER PROGRAMS 26 - 29 AGE, SEX AND MARITAL STATUS CLASSIFICATION 27 - 29 RULES FOR DETERMINING PHYSICAL DAMAGE BASE RATES FOR SYMBOLS NOT DISPLAYED ON STATE RATE PAGES 29, 30 CHANGES 30 CANCELLATION 30 SUSPENSION OF COVERAGE 30 MINIMUM PREMIUM 31 WHOLE DOLLAR PREMIUM 31 RATING TERRITORIES 32 - 35 SAFE DRIVER INSURANCE PLAN (SDIP) 36 - 40 ELIGIBILITY 36 DEFINITIONS 36 – 39 INEXPERIENCED OPERATOR 39 DRIVING RECORD SURCHARGES 40 ADMINISTRATION OF SDIP 40 PERSONAL LINES AUTO VIOLATION GUIDE 41

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TABLE OF CONTENTS Page NEW SYMBOL RATING 42, 43 RATES AND RATE CHARTS R1 – R52 STATISTICAL CODES AND RATING FACTORS R1 – R35 MIDDLEOAK AUTOSURANCE PROGRAM R1 – R6 ASSURANCE R7 – R9 MASTER R10 – R12 DAUNTLESS R13 – R15 SUPER PREFERRED R16 – R18 SUPER PREFERRED SELECT R19 – R21 PREFERRED R22 – R24 PREFERRED SELECT R25 – R27 STANDARD R28 – R30 STANDARD SELECT R31 – R33 EXTENDED GOOD STUDENT – MIDDLEOAK AUTOSURANCE PROGRAM R34 EXTENDED GOOD STUDENT – ALL OTHER PROGRAMS R35 BASE RATES R36 – R40 MIDDLEOAK AUTOSURANCE PROGRAM R36 ASSURANCE R36 MASTER R37 DAUNTLESS R37 SUPER PREFERRED R38 SUPER PREFERRED SELECT R38 PREFERRED R39 PREFERRED SELECT R39 STANDARD R40 STANDARD SELECT R40 MODEL YEAR/SYMBOL FACTORS R41 –R52 MIDDLEOAK AUTOSURANCE PROGRAM R41 – R44 ASSURANCE, MASTER, DAUNTLESS R45 – R48 SUPER PREFERRED, SUPER PREFERRED SELECT, PREFERRED, PREFERRED SELECT, STANDARD, STANDARD SELECT R49 – R52 RATING FACTOR CHARTS R53 – R57 CHART #1 – FINANCIAL RESPONSIBILITY R53 CHART #2 - HOUSEHOLD COMPOSITION R53 CHART #3 – EXTENDED NON-OWNED R54 CHART #4 – EXCESS SOUND REPRODUCING / AUDIO / VISUAL AND ELECTRONIC DATA EQUIPMENT R54 CHART #5 – UTILITY TRAILERS R55

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TABLE OF CONTENTS Page CHART #6 – UM LIMIT FACTORS R55 CHART #7 – BI/PD/CSL INCREASED/DECREASED LIMIT FACTORS R55 CHART #8 – MIDDLEOAK AUTOSURANCE PROGRAM TIER RELATIVITIES R56 CHART #9 – MIDDLEOAK AUTOSURANCE PROGRAM LIABILITY SYMBOL RELATIVITIES R57 APPENDIX A FAIR CREDIT AND REPORTING ACT (FCRA) NOTIFICATION LETTER A1 INEXPERIENCED OPERATOR QUESTIONNAIRE WITH TEEN CONTRACT A2, A3 STATEMENT OF RESIDENCY A4 VAN & PICKUP QUESTIONNAIRE A5

New Hampshire Automobile VI MiddleOak Autosurance Program - New Business 05/03/2010 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010

INTRODUCTION

MiddleOak’s writing company, Middlesex Mutual Assurance Company offers a multivariate integrated 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.

Effective May 03, 2010 for New Business and June 1, 2011 for Renewal Business, 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 MiddleOak Autosurance Program, the applicant or policyholder and household members must match the Program Philosophy Statement characteristics and the Eligibility Criteria that follows.

Remember, if the applicant, policyholder and household members and/or vehicles do not meet the eligibility criteria for this program, they can be quoted in our Dauntless Tier.

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UNDERWRITING PHILOSOPHY STATEMENT

MiddleOak’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 MiddleOak 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.

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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)  New Hampshire Residency Form – required with all new automobile applications, signed and dated byt the named insured. This is to be retained in the agency file. (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 and a Driver Exclusion form must be completed and signed. This must be sent to the company within 30 days of the effective date. (see Appendix A2)  The Teen Contract w/MMA should be completed by youthful and parent only if insured wishes to obtain the “Contract With MMA” 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: a) you are unsure about the eligibility of the risk, b) the risk characteristics exceed the Agency Binding Authority in some way, or c) 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 5 years prior to the policy effective date, unless noted otherwise.  Major violations do not have an experience period restriction.  If the required 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) of coverage after which time the policy may cancel per NH ST § 417-A:5 or be placed in our Dauntless Program.

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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 Middlesex Mutual 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 Middlesex Mutual, 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 Operator (16-20 years of age) with vehicle away at school is generally not acceptable.

Insureds that do not meet the above criteria must be written in the Dauntless Tier.

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.

Vehicles that do not meet the above criteria must be written in the Dauntless Tier

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Unacceptable Driving History – past 36 months history from the effective date of application or 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. . No SR22 filing  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 combined at fault accidents and violations  No more than 3 combined 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  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

Insureds with driving history that does not meet the above criteria must be written in the Dauntless Tier.

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Unacceptable/Concerned Vehicle List The vehicles appearing on these lists have characteristics that result in concerns for their eligibility for Middlesex Mutual'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

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

The vehicles identified above are considered unacceptable vehicles for the Predictive Model Program.

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Concerned Vehicle Listing

Make Model Make Model 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 and including Pontiac Trans-Am 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 models Volkswagen Scirocco Geo Storm GSI

Concerned Vehicles are vehicles that require strong stable and mature household characteristics to be considered for the Predictive Model Program.

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

Unacceptable Vehicles and Concerned Vehicles that do not meet Predictive Model eligibility criteria must be written in the Dauntless Tier

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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 has a MMAC Homeowner’s (HO-3) or Condo (HO-6) and by 5% if the named insured also has a MMAC Tenant (HO-4), or Dwelling Fire (DP-1, DP-2 or DP-3) policy.

In the Autosurance program tier, the total automobile premium will be reduced by 13% if the named insured is also has a MMAC Homeowner’s (HO-3) or Condo (HO-6) and by 8% if the named insured also has a MMAC 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. Company Car Discount The Company Car Discount will reduce by 20% (10% for AS, MA & DT 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.

5. Electronic Funds Transfer (EFT) Discount (Does not apply to Predictive Model 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.

6. Homeownership Discount (Not Available in AS, MA, & DT tiers)

The total automobile premium will be reduced by 10% if the named insured has a Middlesex Mutual auto policy and owns a Home or Condo (as a primary residence) which is insured with another carrier. This discount is applicable for the life of the auto policy and applies if the following criteria are met:

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a) minimum Coverage A of $150,000 on home b) home/condo must meet all MMA underwriting criteria c) minimum credit score of 720 d) if a multi-car policy, one auto must be 6 years old or newer (excluding antiques or stored vehicles) e) if a single-car policy, the auto must be less than 6 years old f) all vehicles less than 6 years old must have Comp & Collision coverage

7. Household Composition Factor (Not Available in AS, MA, DT tiers) Refer to Chart #2 in the rating Section for rating factors relating the number of vehicles to the number of drivers on the policy.

8. More Vehicles Than Driver Credit (Applies only to AS, MA, & DT 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

9. 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.

10. Non-Smoker Credit (Does not apply to AS, MA, DT or MiddleOak 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.

11. Paid in Full (Does not apply to AS, MA, DT or MiddleOak 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.

12. Passive Restraint Discount

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

13. Youthful Operator Discounts a) Teen Contract with MMA (Not Available in AS, MA & DT Tiers)

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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 9 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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 - (Not Available in AS, MA & DT Tiers)

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.

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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 10 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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 primarilywholesale, 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 $2,500 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 #4 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: 1. Predictive Model Program - 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). 2. All Other Tiers - The automobile is over ten (10) years old and is maintained solely for restricted use, is used only infrequently (not driven more than 3,000 miles annually).

3) Classic: 1. Predictive Model Program - The automobile is over twenty (20) years old and is used on a regular basis. 2. All Other Tiers - The automobile is over ten (10) years old and is used on a regular basis. 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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 11 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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 rate per $100 of coverage from the chart below, depending upon coverage and deductible:

Comprehensive Collision Deductible Rate Deductible Rate $50 $1.12 $100 $3.08 $100 $0.92 $200 $2.46 $200 $0.70 $500 $2.16 $500 $0.52 $1,000 $1.84 $1,000 $0.36 $0 $0.78

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 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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 12 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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. 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

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 13 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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 #3 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 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 0.05 $100 0.06 $250 0.12 $500 0.16 $1,000 0.16

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 14 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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 $50 1.00 $100 0.83 $200 0.63 $500 0.46 $1,000 0.33 $0 1.40

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):

Deductible Rate $100 1.15 $200 1.00 $500 0.75 $1,000 0.55

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 #4 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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 15 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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 FACTOR $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 MotoristsCoverage Predictive Model Program: charge 70% of the married male age 30 – 39/pleasure use rates for private passenger automobiles. 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.

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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. 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 #14. b) 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 #5 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. 1) Basic Limits - Rates for $300,000 single limit uninsured/underinsured bodily injury motorist 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 #6 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.

20. Motorcycles, Mopeds, Motor scooters, Motorbikes, Go-Carts, and Any Other Similar Motor Vehicles Not Used for Commercial Purposes – DAUNTLESS PROGRAM ONLY Attach the miscellaneous vehicle endorsement.

Premium Determination

1) Bodily Injury Liability, Property Damage Liability, and Combined Single Limit. Multiply the private passenger base premiums for the desired coverage limit (for the appropriate rating territory) by:

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 17 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 Liability Factor Applicable Class Code

Engine Size (cc) Under 25 All Other Under 25 All Other up to 50 60% 40% over 50 & less than 100 80% 50% 922100 923100 over 100 & less than 200 100% 60% 922200 923200 over 200 & less than 360 120% 75% 922400 923400 over 360 & less than 500 140% 90% 922500 923500 over 500 & less than 800 160% 105% 922600 923600 over 800 & less than 1000 180% 120% 922600 923600 over 1000 & less than 9999 200% 135% 922600 923600

Note: The liability and physical damage percentages displayed in this rule for “Operator Under Age 25” may be used only when the youthful operator’s age has not been used to classify a private passenger automobile insured by the same company. Use the “All Other Operators” percentages when the youthful operator’s age has been used to classify a private passenger automobile insured by the same company. 2) Uninsured/Underinsured Motorists: Multiply the private passenger base premiums for the desired coverage limit by 200%. 3) Medical Payment: Multiply the private passenger base premiums for the desired coverage limit by 100%. 4) Comprehensive and Collision Coverage: a. 1990 and subsequent Model Years - charge the applicable percentage (below) of the Symbol 2 rate for the model year of the vehicle. b. 1989 and Prior Model Years - charge the applicable percentage (below) of the Symbol 7 rate for the model year of the vehicle.

COMPREHENSIVE Original Cost New Under 25 All Other up to 400 45% 30% over 400 & less than 600 45% 30% over 600 & less than 900 55% 35% over 900 & less than 1200 85% 55% over 1200 & less than 1500 110% 75% over 1500 & less than 1800 140% 95% over 1800 & less than 2100 170% 110% over 2100 & less than 2400 200% 130% over 2400 & less than 2700 225% 150%

$2701 and over - Under 25 - +10% of Symbol * rate for each $100 over $2,700 $2701 and over - Under 25 - +6% of Symbol * rate for each $100 over $2,700 COLLISION Original Cost New Under 25 All Other up to 400 35% 20% over 400 & less than 600 50% 35% over 600 & less than 900 75% 50% over 900 & less than 1200 90% 60% over 1200 & less than 1500 105% 70% over 1500 & less than 1800 120% 80% over 1800 & less than 2100 135% 90% over 2100 & less than 2400 160% 105% over 2400 & less than 2700 180% 120% $2701 and over - Under 25 - +10% of Symbol * rate for each $100 over $2,700 $2701 and over - Under 25 - +6% of Symbol * rate for each $100 over $2,700 * Refer to 4.a. and 4.b.

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21. Snowmobiles and All-Terrain Vehicles – Class codes 95900 – DAUNTLESS PROGRAM ONLY.

A snowmobile is a motor vehicle designed for use principally on snow or ice, using wheels or crawler-type treads or belts for locomotion across land, ice, or snow. This does not include a vehicle using air-plane type propellers or fans. Attach the snowmobile endorsement.

An all-terrain vehicle is a four or six-wheel motor vehicle equipped with balloon tires or crawler treads, designed for use on rugged terrain or rugged terrain and water. Attach the miscellaneous type vehicle endorsement.

Premium Determination

2) Medical Payments - $1,000 limit only – Charge 200% of Private Passenger Base rate

3) Uninsured / Underinsured Motorists – Charge the Private Passenger Base rate

4) Physical Damage – See below. Deductible Comprehensive Rate Per $100 $0 1.68 $50 1.20 $100 1.00 $200 0.92 $500 0.76 $1,000 0.60

Deductible Collision Rate Per $100 $100 1.57 $200 1.34 $500 1.03 $1,000 0.76

Multiply the Rate per $100 by the Stated Amount in $000's to determine the base rate. Then multiply by any of the following that are applicable: Multi-Policy Discount, Loss Free Credit, Anti-Theft Device discount (Comp only), and/or Company Car credit.

22. Dune Buggies – DAUNTLESS PROGRAM ONLY A dune buggy is a motor vehicle of the private passenger type designed or modified for use principally off public roads. Attach miscellaneous type vehicle endorsement. Registered Dune Buggies classify and rate as private passenger autos. Non-registered Dune Buggies – Class Code 943200 (including Passenger Hazard).

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2) Medical Payments - Charge the Private Passenger Base rate

3) Uninsured / Underinsured Motorists – Charge the Private Passenger Base rate

4) Physical Damage – See below.

Deductible Comprehensive Rate Per $100 $0 1.77 $50 1.26 $100 1.05 $200 0.97 $500 0.80 $1,000 0.63

Deductible Collision Rate Per $100 $100 5.65 $200 4.84 $500 3.71 $1,000 2.74

23. Golf Carts – Class code 943500 – DAUNTLESS PROGRAM ONLY A golf cart is a three or four wheel motor vehicle with limited speed capabilities designed to carry golfers and their equipment around a golf course. Attach the miscellaneous type vehicle endorsement.

Premium Determination 1) Liability - Multiply the private passenger base premiums for the desired coverage limit (for the appropriate rating territory) by 0.25.

2) Physical Damage – See below. Deductible Comprehensive Rate Per $100 $0 0.60 $50 0.43 $100 0.36 $200 0.33 $500 0.27 $1,000 0.21

Deductible Collision Rate Per $100 $100 0.76 $200 0.65 $500 0.50 $1,000 0.37

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 20 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 Multiply the Rate per $100 by the Stated Amount in $000's to determine the base rate. Then multiply by any of the following that are applicable: Multi-Policy Discount, Loss Free Credit, Anti-Theft Device discount (Comp only), and/or Company Car credit

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 21 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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 Predictive Model 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 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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 22 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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 according to the SDIP Pan 4. Driving Surcharges rule.

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 – MiddleOak Autosurance Program 1. “Pleasure Use” means: “Pleasure Use” rating factor is broken into 4 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) Farm Use  The automobile would be classified as “Farm Use” as defined below. 1) The automobile is principally garaged on a farm or ranch; 2) The automobile is customarily used in farming or ranching; and, 3) The automobile is not used for commuting to or from work/school as defined by the classification rules 1 through 4.

2. “Short Commute” means: “Short Commute” is broken into 2 categories: a) >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 and  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. b) 4 -10 miles one way

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 23 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010  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.

c) 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,  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,

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 24 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 4. “Business Use” means:

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.

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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 25 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 (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 exceeds 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.

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

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 26 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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. 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

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 27 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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 - 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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 28 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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.

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, Master and Dauntless

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 11 0.71 0.81 21 3.60 2.12

b. All Other Programs

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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 29 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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.

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 coverage provided by the policy. A premium involving $.50 or more should be rounded to the next higher whole number.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 30 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 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.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 31 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 RATING TERRITORIES 1. The State Rate Pages display rates by territory.

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New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 33 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 34 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 35 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010

SAFE DRIVER INSURANCE PLAN (SDIP)

The SDIP applies to all policies written with Middlesex Mutual Assurance 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: a. garaged on a farm or ranch; and b. not rated as part of a fleet; and c. not used in any occupation other than farming, ranching or permitted business use. 2. Definitions a) Experience Period - The Experience Period shall be the three (3) years immediately preceding the effective date of the policy; except the experience period for assignment of points for speeding convictions shall be the two (2) years immediately preceding the effective date of the coverage. b) Total Policy Premium - Total Policy Premium means the sum of all premiums for single limit liability (or bodily injury and property damage liability), medical payments, comprehensive and collision coverages that apply to the automobile after the application of any increased limits factor or rating factor that may apply. c) Safe Driver Discounts - Safe Driver Discounts shall be applied to reduce the Total Policy Premium prior to the application of any Driving Record Surcharge that may apply. Safe Driver Discounts shall be assigned in accordance with the following combined experience of the applicant and all other operators currently resident in the same household, unless they are specifically insured under a separate policy. 1) Four Year Safe Driver Discount A Safe Driver Discount of 20% shall apply provided that during the most recent four year period there have been no convictions or accidents resulting in the assignment of Driving Record Points under Section 2.d) of this rule. 2) Three Year Safe Driver Discount A Safe Driver Discount of 15% shall apply provided that during the three year experience period there have been no convictions or accidents resulting In the assignment of Driving Record Points under Section 2.d) of this rule. 3) Two Year Safe Driver Discount A Safe Driver Discount of 10% shall apply provided that during the MOST RECENT TWO years of the three year experience period there have been no convictions or accidents resulting in the assignment of Driving Record Points under Section 2.d) of this rule. Note: The Two Year Safe Driver Discount shall apply along with any Driving Record Points assigned for convictions or accidents that occurred during the OLDEST year of the three year experience period. New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 36 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 4) One Year Safe Driver Discount A Safe Driver Discount of 5% shall apply provided that during the MOST RECENT year of the three year experience period there have been no convictions or accidents resulting in the assignment of Driving Record Points under Section 2.d) of this rule. Note: The One Year Safe Driver Discount shall apply along with any Driving Record Points assigned for convictions or accidents that occurred during the OLDEST TWO years of the three year experience period. d) Driving Record Points 1) Convictions Points shall be assigned per licensed operator in accordance with the following for motor vehicle violations for which the applicant or any other operator of the vehicle, currently resident in the same household, has been convicted during the experience period. Conviction points shall be assigned in addition to any points for accidents. No points are assigned for the convictions of an operator demonstrated to be a named insured or a principal operator of an auto insured under a separate policy. (a) Four points shall be assigned for conviction of: (i) Homicide or assault arising out of the operation of a motor vehicle; or (ii) Failure to stop and report when involved in an accident; or (iii) Driving a motor vehicle while under the influence of intoxicating liquor or narcotic drugs. (b) Three points shall be assigned for conviction of: (i) Driving a motor vehicle in a careless or reckless manner; or (ii) Driving while license is suspended or revoked; or (iii) Operating a motor vehicle without the owners permission or consent; or (iv) Highway racing; or (v) Driving to endanger. (c) Two points shall be assigned for conviction of improper passing of a school bus. (d) One point shall be assigned for the second conviction and one point shall be assigned for each additional conviction of any moving traffic violation, other than those listed above. Note:This applies on a per operator basis. (e) One point shall be assigned for the second conviction of the following violations: (i) Any violation of motor vehicle equipment requirements of the motor vehicle or traffic laws. (ii) Failure to display current license plates, registration stickers or diesel fuel permits. (iii) Failure to have a valid operator's license or registration certificate. (iv) Non-inspection of a motor vehicle.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 37 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 Note: An operator must be convicted of two or more violations of the same offense within the three years immediately preceding the effective date of the policy to be assigned points under this paragraph. 2) Accidents (a) “Chargeable accident” means, an at-fault occurrence that results in bodily injury in excess of $750.00, death or property damage in excess of $1,500.00.

(b) Points shall be assigned for chargeable accidents that occurred during the experience period, if the accident meets or exceeds the applicable surcharge thresholds described below, and if the accident involved the applicant or any other operator of the vehicle, currently a resident of the same household. Accident points shall be assigned in addition to any points assigned for convictions. The applicable threshold is determined by the accident date, as follows:  $751 to $7,499 in bodily Assign one point if accident injury to any person. resulted in:  $1,501 to $14,999 in damage to any property including his/her own  Death Assign two points if accident resulted in:  $7,500 or more in bodily injury to any person.  $15,000 or more in damage to any property including his/her own.

* Accident surcharge points shall only be based on paid losses. (c) Three points shall be assigned for each accident in excess of two accidents occurring within the experience period. This applies on a per operator basis. (d) If points are applicable under more than one provision of Section 2.d), assign points based on the one provision which develops the greatest number of points.

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 a separate policy. 2. NO POINT shall be assigned for an accident if the insured demonstrates that the accident occurred under the Following circumstances: a. Automobile lawfully parked (an automobile rolling from a parked position shall not be considered as lawfully parked, but shall be considered as the operation of the last operator); or b. Applicant or other operator residing in the same household, or owner, reimbursed by, or on behalf of, a person responsible for the accident or has judgment against such person; or

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 38 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 c. Automobile of an applicant or other operator resident in the same household, struck in rear by another vehicle, and the applicant or other resident operator has not been convicted of a moving traffic violation in connection with the accident; or d. Operator of the other automobile involved in such accident was convicted of a moving traffic violation and the applicant or other resident in the same household was not convicted of a moving traffic violation in connection therewith; or e. Automobile operated by applicant or other operator resident in the same household is damaged as a result of contact with a 'hit-and-run" driver, if applicant or other operator so reports the accident to proper authority within 24 hours; 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 as a result of the operation of an automobile in response to an emergency if the operator at the time of the accident was responding to a call to duty as a paid or volunteer member of any Police or Fire Department, First Aid Squad, or of any law enforcement agency; or Note: This exception does not include an accident occurring after the emergency situation ceases or after the private passenger automobile ceases to be used in response to such emergency. i. Automobile accident involving only personal injury or property damage to the applicant or any other operator of the automobile currently a resident in the same household, unless the said applicant or operator is convicted of a moving traffic violation in connection with the occurrence. j. Accidents occurring as a result of the operation of a vehicle by a municipal public works or highway department employee while on official duty, but not an accident occurring once the municipal public works or highway department employee is no longer on official duty.

3. Inexperienced operator If the principal operator of the automobile has no surcharge for an accident, but has been licensed less than two years, one point is assigned. A point assigned for an inexperienced operator shall not void the application of a Safe Driver Discount which would apply as a result of the driving records of other operators insured under the policy.

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4. Driving Record Surcharges The Driving Record Points of the applicant and all other operators currently resident in the household shall be added to determine the Total Driving Record Points. Use the table below to convert the Total Driving Record Points to the Total Driving Record Surcharge to be added to the Total Policy Premium after the application of any Safe Driver Discount that may apply.

Total Driving Total Driving Record Points* Record Surcharges 1 $90 2 200 3 330 4 480 5 650 6 840 7 1040 8 1240 Each Additional Point $200 *For applicable statistical codes, refer to the Secondary Classification Statistical Code table in the New Hampshire Class Plan Pages. Note: Inexperienced Operator points will be indicated with a Sub-Classification of '9'. 5. 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 1) Comprehensive Loss Underwriting Exchange report (CLUE); or 2) An application signed by the applicant and producer.

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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 Failing to report an accident Failure to give proper signal days 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 pedestrian Hit & Run 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 in Improper turn 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 18 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.

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MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - CONNECTICUT

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

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 42 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - CONNECTICUT

SYMBOL FACTORS' VALUE

All Programs

2011 and greater

Symbol From To 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 14 $ 16,251 $ 16,875 49 $ 43,751 $ 45,000 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

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 43 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All Other Programs –Renewal Business 06/02/2010 STATISTICAL CODES AND RATING FACTORS A. Predictive Model Program 2. No Inexperienced Operator - Primary Classifications

Age Sex Marital Principal Oper. 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 1.45 8404 1.45 8402 1.55 8405 1.59 P 8411 2.25 8414 2.25 8412 2.35 8415 2.39 Married O 8421 1.35 8424 1.35 8422 1.45 8425 1.49 P 8431 1.35 8434 1.35 8432 1.45 8435 1.49 Female Single O 8701 1.35 8704 1.35 8702 1.45 8705 1.49 P 8711 1.65 8714 1.65 8712 1.75 8715 1.79 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 2.15 8314 2.15 8312 2.25 8315 2.29 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 1.45 8734 1.45 8732 1.55 8735 1.59 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 1.60 8224 1.60 8222 1.70 8225 1.74 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 1.50 8234 1.50 8232 1.60 8235 1.64 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 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 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

New Hampshire Automobile MiddleOak Autosurance Program - New Business 06/18/2013 R-1 MiddleOak Autosurance Program - Renewal Business 08/18/2013

STATISTICAL CODES AND RATING FACTORS A. Predictive Model Program 2. No Inexperienced Operator - Primary Classifications

Principal Age Sex Marital Oper. 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 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 0.85 8034 0.85 8032 0.85 8035 0.89 Single All 8481 0.85 8484 0.85 8482 0.85 8485 0.89 Female Married All 8491 0.85 8494 0.85 8492 0.85 8495 0.89 Single All 8761 0.85 8764 0.85 8762 0.85 8765 0.89 73 - 74 Male Married All 8771 0.90 8774 0.90 8772 0.90 8775 0.95 Single All 8781 0.90 8784 0.90 8782 0.90 8785 0.95 Female Married All 8791 0.90 8794 0.90 8792 0.90 8795 0.95 Single All 8661 0.90 8664 0.90 8662 0.90 8665 0.95 75 - 77 Male Married All 8041 1.00 8044 1.00 8042 1.00 8045 1.04 Single All 8671 1.00 8674 1.00 8672 1.00 8675 1.04 Female Married All 8681 1.00 8684 1.00 8682 1.00 8685 1.04 Single All 8691 1.00 8694 1.00 8692 1.00 8695 1.04 78 - 79 Male Married All 8941 1.10 8944 1.10 8942 1.10 8945 1.14 Single All 8951 1.10 8954 1.10 8952 1.10 8955 1.14 Female Married All 8961 1.10 8964 1.10 8962 1.10 8965 1.14 Single All 8971 1.10 8974 1.10 8972 1.10 8975 1.14 80 - 82 Male Married All 8981 1.15 8984 1.15 8982 1.15 8985 1.19 Single All 8991 1.15 8994 1.15 8992 1.15 8995 1.19 Female Married All 8561 1.15 8564 1.15 8562 1.15 8565 1.19 Single All 8571 1.15 8574 1.15 8572 1.15 8575 1.19 83 - 85 Male Married All 8581 1.25 8584 1.25 8582 1.25 8585 1.29 Single All 8591 1.25 8594 1.25 8592 1.25 8595 1.29 Female Married All 8841 1.25 8844 1.25 8842 1.25 8845 1.29 Single All 8851 1.25 8854 1.25 8852 1.25 8855 1.29 86 & Over Male Married All 8861 1.35 8864 1.35 8862 1.35 8865 1.39 Single All 8871 1.35 8874 1.35 8872 1.35 8875 1.39 Female Married All 8881 1.35 8884 1.35 8882 1.35 8885 1.39 Single All 8891 1.35 8894 1.35 8892 1.35 8895 1.39

New Hampshire Automobile MiddleOak Autosurance Program - New Business 06/18/2013 R-2 MiddleOak Autosurance Program - Renewal Business 08/18/2013

STATISTICAL CODES AND RATING FACTORS A. Predictive Model Program 2. No Inexperienced Operator - Primary Classifications

Prin. Age Sex Marital Op. Long Comm Work 15-20 Work 21-30 Work 31-50 Status Occas. miles miles miles Work 50+ miles Business Code Factor Code Factor Code Factor Code Factor Code Factor 21 - 22 Male Single O 8403 1.65 8406 1.72 8407 1.76 8400 1.81 8408 1.85 P 8413 2.45 8416 2.52 8417 2.56 8410 2.61 8418 2.65 Married O 8423 1.55 8426 1.62 8427 1.66 8420 1.71 8428 1.75 P 8433 1.55 8436 1.62 8437 1.66 8430 1.71 8438 1.75 Female Single O 8703 1.55 8706 1.62 8707 1.66 8700 1.71 8708 1.75 P 8713 1.85 8716 1.92 8717 1.96 8710 2.01 8718 2.05 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 2.35 8316 2.42 8317 2.46 8310 2.51 8318 2.55 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 1.65 8736 1.72 8737 1.76 8730 1.81 8738 1.85 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 1.80 8226 1.87 8227 1.91 8220 1.96 8228 2.00 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 1.70 8236 1.77 8237 1.81 8230 1.86 8238 1.90 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 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 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 1.07 Single All 8053 0.92 8056 0.99 8057 1.03 8050 1.08 8058 1.07 Female Married All 8063 0.92 8066 0.99 8067 1.03 8060 1.08 8068 1.07 Single All 8073 0.92 8076 0.99 8077 1.03 8070 1.08 8078 1.07 60 - 62 Male Married All 8083 0.89 8086 0.96 8087 1.00 8080 1.06 8088 1.04 Single All 8093 0.89 8096 0.96 8097 1.00 8090 1.06 8098 1.04 Female Married All 8003 0.89 8006 0.96 8007 1.00 8000 1.06 8008 1.04 Single All 8193 0.89 8196 0.96 8197 1.00 8190 1.06 8198 1.04

New Hampshire Automobile MiddleOak Autosurance Program - New Business 06/18/2013 R-3 MiddleOak Autosurance Program - Renewal Business 08/18/2013

STATISTICAL CODES AND RATING FACTORS A. Predictive Model Program 2. No Inexperienced Operator - Primary Classifications

Prin. Age Sex Marital Op. Long Comm Work 15-20 Work 21-30 Work 31-50 Work 50+ Status Occas. miles miles miles 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 1.06 Single All 8343 0.91 8346 0.98 8347 1.02 8340 1.07 8348 1.06 Female Married All 8353 0.91 8356 0.98 8357 1.02 8350 1.07 8358 1.06 Single All 8363 0.91 8366 0.98 8367 1.02 8360 1.07 8368 1.06 65 - 67 Male Married All 8023 0.90 8026 0.97 8027 1.01 8020 1.06 8028 1.05 Single All 8373 0.90 8376 0.97 8377 1.01 8370 1.06 8378 1.05 Female Married All 8383 0.90 8386 0.97 8387 1.01 8380 1.06 8388 1.05 Single All 8393 0.90 8396 0.97 8397 1.01 8390 1.06 8398 1.05 68 - 69 Male Married All 8443 0.94 8446 1.00 8447 1.04 8440 1.10 8448 1.09 Single All 8453 0.94 8456 1.00 8457 1.04 8450 1.10 8458 1.09 Female Married All 8463 0.94 8466 1.00 8467 1.04 8460 1.10 8468 1.09 Single All 8473 0.94 8476 1.00 8477 1.04 8470 1.10 8478 1.09 70 - 72 Male Married All 8033 0.95 8036 1.02 8037 1.06 8030 1.11 8038 1.10 Single All 8483 0.95 8486 1.02 8487 1.06 8480 1.11 8488 1.10 Female Married All 8493 0.95 8496 1.02 8497 1.06 8490 1.11 8498 1.10 Single All 8763 0.95 8766 1.02 8767 1.06 8760 1.11 8768 1.10 73 - 74 Male Married All 8773 1.01 8776 1.07 8777 1.12 8770 1.17 8778 1.17 Single All 8783 1.01 8786 1.07 8787 1.12 8780 1.17 8788 1.17 Female Married All 8793 1.01 8796 1.07 8797 1.12 8790 1.17 8798 1.17 Single All 8663 1.01 8666 1.07 8667 1.12 8660 1.17 8668 1.17 75 - 77 Male Married All 8043 1.10 8046 1.17 8047 1.21 8040 1.26 8048 1.30 Single All 8673 1.10 8676 1.17 8677 1.21 8670 1.26 8678 1.30 Female Married All 8683 1.10 8686 1.17 8687 1.21 8680 1.26 8688 1.30 Single All 8693 1.10 8696 1.17 8697 1.21 8690 1.26 8698 1.30 78 - 79 Male Married All 8943 1.21 8946 1.28 8947 1.32 8940 1.37 8948 1.43 Single All 8953 1.21 8956 1.28 8957 1.32 8950 1.37 8958 1.43 Female Married All 8963 1.21 8966 1.28 8967 1.32 8960 1.37 8968 1.43 Single All 8973 1.21 8976 1.28 8977 1.32 8970 1.37 8978 1.43 80 - 82 Male Married All 8983 1.27 8986 1.33 8987 1.37 8980 1.43 8988 1.50 Single All 8993 1.27 8996 1.33 8997 1.37 8990 1.43 8998 1.50 Female Married All 8563 1.27 8566 1.33 8567 1.37 8560 1.43 8568 1.50 Single All 8573 1.27 8576 1.33 8577 1.37 8570 1.43 8578 1.50 83 - 85 Male Married All 8583 1.38 8586 1.44 8587 1.48 8580 1.54 8588 1.63 Single All 8593 1.38 8596 1.44 8597 1.48 8590 1.54 8598 1.63 Female Married All 8843 1.38 8846 1.44 8847 1.48 8840 1.54 8848 1.63 Single All 8853 1.38 8856 1.44 8857 1.48 8850 1.54 8858 1.63 86 & Over Male Married All 8863 1.49 8866 1.55 8867 1.59 8860 1.65 8868 1.76 Single All 8873 1.49 8876 1.55 8877 1.59 8870 1.65 8878 1.76 Female Married All 8883 1.49 8886 1.55 8887 1.59 8880 1.65 8888 1.76 Single All 8893 1.49 8896 1.55 8897 1.59 8890 1.65 8898 1.76

New Hampshire Automobile MiddleOak Autosurance Program - New Business 06/18/2013 R-4 MiddleOak Autosurance Program - Renewal Business 08/18/2013

STATISTICAL CODES AND RATING FACTORS A. Predicitive Model Program 1. Youthful Program - Primary Classifications

Good Student No Good Student Princ Age Sex Marital Oper Driver Pleasure DR/WK Pleasure DR/WK Status Occasional Training Business Business 17 or Less Male Single O Y 8604 2.05 8605 2.25 8606 2.40 8607 2.60 N 8614 2.30 8615 2.40 8616 2.65 8617 2.75 P Y 8624 3.00 8625 3.20 8626 3.50 8627 3.70 N 8634 3.25 8635 3.45 8636 3.75 8637 3.95 Married All Y 8644 1.70 8645 1.90 8646 1.95 8647 2.05 N 8654 1.85 8655 1.95 8656 2.20 8657 2.30 Female Single O Y 8904 1.65 8905 1.75 8906 1.90 8907 2.00 N 8914 1.90 8915 2.00 8916 2.15 8917 2.25 P Y 8924 2.05 8925 2.36 8926 2.30 8927 2.50 N 8934 2.30 8935 2.50 8936 2.55 8937 2.75 18 Male Single O Y 8602 2.05 8603 2.25 8608 2.40 8609 2.60 N 8612 2.30 8613 2.40 8618 2.65 8619 2.75 P Y 8622 3.00 8623 3.20 8628 3.50 8629 3.70 N 8632 3.25 8633 3.45 8638 3.75 8639 3.95 Married All Y 8642 1.70 8643 1.90 8648 1.95 8649 2.15 N 8652 1.95 8653 2.15 8658 2.20 8659 2.40 Female Single O Y 8902 1.65 8903 1.75 8908 1.90 8909 2.00 N 8912 1.90 8913 2.00 8918 2.15 8919 2.25 P Y 8922 2.05 8923 2.36 8928 2.30 8929 2.50 N 8932 2.30 8933 2.50 8938 2.55 8939 2.75 19 Male Single O Y 8504 2.00 8505 2.10 8506 2.35 8507 2.45 N 8514 2.15 8515 2.25 8516 2.50 8517 2.60 P Y 8524 2.80 8525 3.00 8526 3.25 8527 3.35 N 8534 3.05 8535 3.25 8536 3.60 8537 3.70 Married All Y 8544 1.65 8545 1.85 8546 1.90 8547 2.10 N 8554 1.90 8555 2.10 8556 2.15 8557 2.35 Female Single O Y 8804 1.60 8805 1.70 8806 1.65 8807 1.95 N 8814 1.85 8815 1.95 8816 2.10 8817 2.20 P Y 8824 1.90 8825 2.31 8826 2.15 8827 2.35 N 8834 2.15 8835 2.35 8836 2.40 8837 2.60 20 Male Single O Y 8502 2.00 8503 2.10 8508 2.35 8509 2.45 N 8512 2.15 8513 2.25 8518 2.50 8519 2.60 P Y 8522 2.80 8523 3.00 8528 3.25 8529 3.35 N 8532 3.05 8533 3.25 8538 3.60 8539 3.70 Married All Y 8542 1.65 8543 1.85 8548 1.90 8549 2.10 N 8552 1.90 8553 2.10 8558 2.15 8559 2.35 Female Single O Y 8802 1.60 8803 1.70 8808 1.65 8809 1.95 N 8812 1.85 8813 1.95 8818 2.10 8819 2.20 P Y 8822 1.90 8823 2.31 8828 2.15 8829 2.35 N 8832 2.15 8833 2.35 8838 2.40 8839 2.60 16 - 20 Female Married All All Refer To 21 - 22 Married Female Codes

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-5 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010

B. MiddleOak Autosurance Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk * 0.02 Multi-Car Risk * -0.15 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 0 1 2 3 4 5 6 7 8 Years Accident or Conviction Free Codes* No Discount - 01 02 03 04 05 06 07 08 1 Year Discount - 11 12 13 14 15 16 17 18 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 30 31 ------4 Year Discount 40 41 ------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 51 52 53 54 55 56 57 58 1 Year Discount - 61 62 63 64 65 66 67 68 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car 89 Multi-Car 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

+ Statistical code 29 is assigned to the second and subsequent vehicles on a multi-car risk. This code is needed because, for statistical reporting purposes only, all Driving Record Points are assigned to a single vehicle.

New Hampshire Automobile MiddleOak Autosurance Program - New Business 06/18/2013 R-6 MiddleOak Autosurance Program - Renewal Business 08/18/2013

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

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/ 1.45 8402/ 1.55 8403/ 1.75 8408/ 1.85 8409/ 1.35 P 8411/ 2.25 8412/ 2.35 8413/ 2.55 8418/ 2.65 8419/ 2.25 Married O 8421/ 1.35 8422/ 1.45 8423/ 1.65 8428/ 1.75 8429/ 1.25 P 8431/ 1.35 8432/ 1.45 8433/ 1.65 8438/ 1.75 8439/ 1.25 Female Single O 8701/ 1.35 8702/ 1.45 8703/ 1.65 8708/ 1.75 8709/ 1.25 P 8711/ 1.65 8712/ 1.75 8713/ 1.95 8718/ 2.05 8719/ 1.55 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.55 8308/ 1.65 8309/ 1.20 P 8311/ 2.15 8312/ 2.25 8313/ 2.45 8318/ 2.55 8319/ 1.90 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.55 8328/ 1.65 8329/ 1.00 P 8331/ 1.25 8332/ 1.35 8333/ 1.55 8338/ 1.65 8339/ 1.00 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.55 8728/ 1.65 8729/ 1.00 P 8731/ 1.45 8732/ 1.55 8733/ 1.75 8738/ 1.85 8739/ 1.20 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.90 8208/ 2.00 8209/ 1.50 P 8221/ 1.60 8222/ 1.70 8223/ 1.90 8228/ 2.00 8229/ 1.50 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.80 8218/ 1.90 8219/ 1.40 P 8231/ 1.50 8232/ 1.60 8233/ 1.80 8238/ 1.90 8239/ 1.40 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.20 8128/ 1.30 8129/ 0.90 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 1.00 8018/ 1.05 8019/ 0.75 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 1.00 8028/ 1.05 8029/ 0.75 70 - 74 All All All 8031/ 0.85 8032/ 0.85 8033/ 1.05 8038/ 1.10 8039/ 0.75 75 & Over All All All 8041/ 1.00 8042/ 1.00 8043/ 1.20 8048/ 1.30 8049/ 0.85 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.20 8118/ 1.30 8119/ 0.90

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-7 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

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/ 2.05 8605/ 2.25 8606/ 2.40 8607/ 2.60 N 8614/ 2.30 8615/ 2.40 8616/ 2.65 8617/ 2.75 P Y 8624/ 3.00 8625/ 3.20 8626/ 3.50 8627/ 3.70 N 8634/ 3.25 8635/ 3.45 8636/ 3.75 8637/ 3.95 Married All Y 8644/ 1.70 8645/ 1.90 8646/ 1.95 8647/ 2.05 N 8654/ 1.85 8655/ 1.95 8656/ 2.20 8657/ 2.30 Female Single O Y 8904/ 1.65 8905/ 1.75 8906/ 1.90 8907/ 2.00 N 8914/ 1.90 8915/ 2.00 8916/ 2.15 8917/ 2.25 P Y 8924/ 2.05 8925/ 2.36 8926/ 2.30 8927/ 2.50 N 8934/ 2.30 8935/ 2.50 8936/ 2.55 8937/ 2.75 18 Male Single O Y 8602/ 2.05 8603/ 2.25 8608/ 2.40 8609/ 2.60 N 8612/ 2.30 8613/ 2.40 8618/ 2.65 8619/ 2.75 P Y 8622/ 3.00 8623/ 3.20 8628/ 3.50 8629/ 3.70 N 8632/ 3.25 8633/ 3.45 8638/ 3.75 8639/ 3.95 Married All Y 8642/ 1.70 8643/ 1.90 8648/ 1.95 8649/ 2.15 N 8652/ 1.95 8653/ 2.15 8658/ 2.20 8659/ 2.40 Female Single O Y 8902/ 1.65 8903/ 1.75 8908/ 1.90 8909/ 2.00 N 8912/ 1.90 8913/ 2.00 8918/ 2.15 8919/ 2.25 P Y 8922/ 2.05 8923/ 2.36 8928/ 2.30 8929/ 2.50 N 8932/ 2.30 8933/ 2.50 8938/ 2.55 8939/ 2.75 19 Male Single O Y 8504/ 2.00 8505/ 2.10 8506/ 2.35 8507/ 2.45 N 8514/ 2.15 8515/ 2.25 8516/ 2.50 8517/ 2.60 P Y 8524/ 2.80 8525/ 3.00 8526/ 3.25 8527/ 3.35 N 8534/ 3.05 8535/ 3.25 8536/ 3.60 8537/ 3.70 Married All Y 8544/ 1.65 8545/ 1.85 8546/ 1.90 8547/ 2.10 N 8554/ 1.90 8555/ 2.10 8556/ 2.15 8557/ 2.35 Female Single O Y 8804/ 1.60 8805/ 1.70 8806/ 1.65 8807/ 1.95 N 8814/ 1.85 8815/ 1.95 8816/ 2.10 8817/ 2.20 P Y 8824/ 1.90 8825/ 2.31 8826/ 2.15 8827/ 2.35 N 8834/ 2.15 8835/ 2.35 8836/ 2.40 8837/ 2.60 20 Male Single O Y 8502/ 2.00 8503/ 2.10 8508/ 2.35 8509/ 2.45 N 8512/ 2.15 8513/ 2.25 8518/ 2.50 8519/ 2.60 P Y 8522/ 2.80 8523/ 3.00 8528/ 3.25 8529/ 3.35 N 8532/ 3.05 8533/ 3.25 8538/ 3.60 8539/ 3.70 Married All Y 8542/ 1.65 8543/ 1.85 8548/ 1.90 8549/ 2.10 N 8552/ 1.90 8553/ 2.10 8558/ 2.15 8559/ 2.35 Female Single O Y 8802/ 1.60 8803/ 1.70 8808/ 1.65 8809/ 1.95 N 8812/ 1.85 8813/ 1.95 8818/ 2.10 8819/ 2.20 P Y 8822/ 1.90 8823/ 2.31 8828/ 2.15 8829/ 2.35 N 8832/ 2.15 8833/ 2.35 8838/ 2.40 8839/ 2.60 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-8 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

B. Assurance Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk *0.00 Multi-Car Risk *-0.2 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 012345678 Years Accident or Conviction Free Codes* No Discount - 0102030405060708 1 Year Discount - 1112131415161718 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 3031------4 Year Discount 4041------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 5152535455565758 1 Year Discount - 6162636465666768 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car Factor 89 Multi-Car Code 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-9 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

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/ 1.45 8402/ 1.55 8403/ 1.75 8408/ 1.85 8409/ 1.35 P 8411/ 2.25 8412/ 2.35 8413/ 2.55 8418/ 2.65 8419/ 2.25 Married O 8421/ 1.35 8422/ 1.45 8423/ 1.65 8428/ 1.75 8429/ 1.25 P 8431/ 1.35 8432/ 1.45 8433/ 1.65 8438/ 1.75 8439/ 1.25 Female Single O 8701/ 1.35 8702/ 1.45 8703/ 1.65 8708/ 1.75 8709/ 1.25 P 8711/ 1.65 8712/ 1.75 8713/ 1.95 8718/ 2.05 8719/ 1.55 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.55 8308/ 1.65 8309/ 1.15 P 8311/ 2.15 8312/ 2.25 8313/ 2.45 8318/ 2.55 8319/ 2.05 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.55 8328/ 1.65 8329/ 1.15 P 8331/ 1.25 8332/ 1.35 8333/ 1.55 8338/ 1.65 8339/ 1.15 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.55 8728/ 1.65 8729/ 1.15 P 8731/ 1.45 8732/ 1.55 8733/ 1.75 8738/ 1.85 8739/ 1.35 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.90 8208/ 2.00 8209/ 1.50 P 8221/ 1.60 8222/ 1.70 8223/ 1.90 8228/ 2.00 8229/ 1.50 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.80 8218/ 1.90 8219/ 1.40 P 8231/ 1.50 8232/ 1.60 8233/ 1.80 8238/ 1.90 8239/ 1.40 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.20 8128/ 1.30 8129/ 0.90 50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 1.00 8018/ 1.05 8019/ 0.75 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 1.00 8028/ 1.05 8029/ 0.75 70 - 74 All All All 8031/ 0.85 8032/ 0.85 8033/ 1.05 8038/ 1.10 8039/ 0.75 75 & Over All All All 8041/ 1.00 8042/ 1.00 8043/ 1.20 8048/ 1.30 8049/ 0.85 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.20 8118/ 1.30 8119/ 0.90

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-10 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

A. Master Program

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-11 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

B. Master Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk *0.00 Multi-Car Risk *-0.2 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 012345678 Years Accident or Conviction Free Codes* No Discount - 0102030405060708 1 Year Discount - 1112131415161718 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 3031------4 Year Discount 4041------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 5152535455565758 1 Year Discount - 6162636465666768 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car 89 Multi-Car 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-12 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Dauntless 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/ 1.76 8402/ 1.76 8403/ 1.76 8408/ 1.76 8409/ 1.64 P 8411/ 1.76 8412/ 1.76 8413/ 1.76 8418/ 1.76 8419/ 1.64 Married O 8421/ 1.68 8422/ 1.68 8423/ 1.68 8428/ 1.68 8429/ 1.58 P 8431/ 1.68 8432/ 1.68 8433/ 1.68 8438/ 1.68 8439/ 1.58 Female Single O 8701/ 1.00 8702/ 1.01 8703/ 1.07 8708/ 1.20 8709/ 0.93 P 8711/ 1.00 8712/ 1.01 8713/ 1.07 8718/ 1.20 8719/ 0.93 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.76 8302/ 1.76 8303/ 1.76 8308/ 1.76 8309/ 1.64 P 8311/ 1.76 8312/ 1.76 8313/ 1.76 8318/ 1.76 8319/ 1.64 Married O 8321/ 1.68 8322/ 1.68 8323/ 1.68 8328/ 1.68 8329/ 1.58 P 8331/ 1.68 8332/ 1.68 8333/ 1.68 8338/ 1.68 8339/ 1.58 Female Single O 8721/ 1.00 8722/ 1.01 8723/ 1.07 8728/ 1.20 8729/ 0.93 P 8731/ 1.00 8732/ 1.01 8733/ 1.07 8738/ 1.20 8739/ 0.93 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.00 8202/ 1.01 8203/ 1.07 8208/ 1.20 8209/ 0.93 P 8221/ 1.76 8222/ 1.76 8223/ 1.76 8228/ 1.76 8229/ 1.64 Married All Female Single All Refer To All Other Married All 28 - 29 Male Single O 8211/ 1.00 8212/ 1.01 8213/ 1.07 8218/ 1.20 8219/ 0.93 P 8231/ 1.76 8232/ 1.76 8233/ 1.76 8238/ 1.76 8239/ 1.64 Married All Female Single All Refer To All Other Married All 30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.01 8123/ 1.07 8128/ 1.20 8129/ 0.93 50 - 64 All All All 8011/ 1.00 8012/ 1.01 8013/ 1.07 8018/ 1.20 8019/ 0.93 65 - 69 All All All 8021/ 1.00 8022/ 1.01 8023/ 1.07 8028/ 1.20 8029/ 0.93 70 - 74 All All All 8031/ 1.00 8032/ 1.01 8033/ 1.07 8038/ 1.20 8039/ 0.93 75 & Over All All All 8041/ 1.00 8042/ 1.01 8043/ 1.07 8048/ 1.20 8049/ 0.93 All Other All All All 8111/ 1.00 8112/ 1.01 8113/ 1.07 8118/ 1.20 8119/ 0.93

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-13 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

A. Dauntless 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/ 1.83 8605/ 1.83 8606/ 1.83 8607/ 1.83 N 8614/ 1.83 8615/ 1.83 8616/ 1.83 8617/ 1.83 P Y 8624/ 2.95 8625/ 2.95 8626/ 2.95 8627/ 2.95 N 8634/ 2.95 8635/ 2.95 8636/ 2.95 8637/ 2.95 Married All Y 8644/ 1.68 8645/ 1.68 8646/ 1.68 8647/ 1.68 N 8654/ 1.68 8655/ 1.68 8656/ 1.68 8657/ 1.68 Female Single O Y 8904/ 1.31 8905/ 1.31 8906/ 1.31 8907/ 1.31 N 8914/ 1.31 8915/ 1.31 8916/ 1.31 8917/ 1.31 P Y 8924/ 1.31 8925/ 1.31 8926/ 1.31 8927/ 1.31 N 8934/ 1.31 8935/ 1.31 8936/ 1.31 8937/ 1.31 18 Male Single O Y 8602/ 1.83 8603/ 1.83 8608/ 1.83 8609/ 1.83 N 8612/ 1.83 8613/ 1.83 8618/ 1.83 8619/ 1.83 P Y 8622/ 2.95 8623/ 2.95 8628/ 2.95 8629/ 2.95 N 8632/ 2.95 8633/ 2.95 8638/ 2.95 8639/ 2.95 Married All Y 8642/ 1.68 8643/ 1.68 8648/ 1.68 8649/ 1.68 N 8652/ 1.68 8653/ 1.68 8658/ 1.68 8659/ 1.68 Female Single O Y 8902/ 1.31 8903/ 1.31 8908/ 1.31 8909/ 1.31 N 8912/ 1.31 8913/ 1.31 8918/ 1.31 8919/ 1.31 P Y 8922/ 1.31 8923/ 1.31 8928/ 1.31 8929/ 1.31 N 8932/ 1.31 8933/ 1.31 8938/ 1.31 8939/ 1.31 19 Male Single O Y 8504/ 1.83 8505/ 1.83 8506/ 1.83 8507/ 1.83 N 8514/ 1.83 8515/ 1.83 8516/ 1.83 8517/ 1.83 P Y 8524/ 2.95 8525/ 2.95 8526/ 2.95 8527/ 2.95 N 8534/ 2.95 8535/ 2.95 8536/ 2.95 8537/ 2.95 Married All Y 8544/ 1.68 8545/ 1.68 8546/ 1.68 8547/ 1.68 N 8554/ 1.68 8555/ 1.68 8556/ 1.68 8557/ 1.68 Female Single O Y 8804/ 1.31 8805/ 1.31 8806/ 1.31 8807/ 1.31 N 8814/ 1.31 8815/ 1.31 8816/ 1.31 8817/ 1.31 P Y 8824/ 1.31 8825/ 1.31 8826/ 1.31 8827/ 1.31 N 8834/ 1.31 8835/ 1.31 8836/ 1.31 8837/ 1.31 20 Male Single O Y 8502/ 1.83 8503/ 1.83 8508/ 1.83 8509/ 1.83 N 8512/ 1.83 8513/ 1.83 8518/ 1.83 8519/ 1.83 P Y 8522/ 2.95 8523/ 2.95 8528/ 2.95 8529/ 2.95 N 8532/ 2.95 8533/ 2.95 8538/ 2.95 8539/ 2.95 Married All Y 8542/ 1.68 8543/ 1.68 8548/ 1.68 8549/ 1.68 N 8552/ 1.68 8553/ 1.68 8558/ 1.68 8559/ 1.68 Female Single O Y 8802/ 1.31 8803/ 1.31 8808/ 1.31 8809/ 1.31 N 8812/ 1.31 8813/ 1.31 8818/ 1.31 8819/ 1.31 P Y 8822/ 1.31 8823/ 1.31 8828/ 1.31 8829/ 1.31 N 8832/ 1.31 8833/ 1.31 8838/ 1.31 8839/ 1.31 16 - 20 Female Married All All Refer To No Youthful Codes - All Other

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-14 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

B. Dauntless Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk *0.00 Multi-Car Risk *-0.1 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 012345678 Years Accident or Conviction Free Codes* No Discount - 0102030405060708 1 Year Discount - 1112131415161718 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 3031------4 Year Discount 4041------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 5152535455565758 1 Year Discount - 6162636465666768 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car 89 Multi-Car 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-15 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

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/ 1.45 8402/ 1.55 8403/ 1.65 8408/ 1.85 8409/ 1.35 P 8411/ 2.25 8412/ 2.35 8413/ 2.45 8418/ 2.65 8419/ 2.25 Married O 8421/ 1.35 8422/ 1.45 8423/ 1.55 8428/ 1.75 8429/ 1.25 P 8431/ 1.35 8432/ 1.45 8433/ 1.55 8438/ 1.75 8439/ 1.25 Female Single O 8701/ 1.35 8702/ 1.45 8703/ 1.55 8708/ 1.75 8709/ 1.25 P 8711/ 1.65 8712/ 1.75 8713/ 1.85 8718/ 2.05 8719/ 1.55 Married All Refer To All Other 23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.15 P 8311/ 2.15 8312/ 2.25 8313/ 2.35 8318/ 2.55 8319/ 2.05 Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.15 P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.15 Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.15 P 8731/ 1.45 8732/ 1.55 8733/ 1.65 8738/ 1.85 8739/ 1.35 Married All Refer To All Other 25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.50 P 8221/ 1.60 8222/ 1.70 8223/ 1.80 8228/ 2.00 8229/ 1.50 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/ 1.40 P 8231/ 1.50 8232/ 1.60 8233/ 1.70 8238/ 1.90 8239/ 1.40 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/ 1.05 8019/ 0.75 65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.05 8029/ 0.75 70 - 74 All All All 8031/ 0.85 8032/ 0.85 8033/ 0.95 8038/ 1.10 8039/ 0.75 75 & Over All All All 8041/ 1.00 8042/ 1.00 8043/ 1.10 8048/ 1.30 8049/ 0.85 All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.10 8118/ 1.30 8119/ 0.90

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-16 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

A. Super Preferred Program

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-17 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

B. Super Preferred Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk *0.00 Multi-Car Risk * -0.15 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 012345678 Years Accident or Conviction Free Codes* No Discount - 0102030405060708 1 Year Discount - 1112131415161718 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 3031------4 Year Discount 4041------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 5152535455565758 1 Year Discount - 6162636465666768 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car 89 Multi-Car 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-18 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Super Preferred Select Program

1. No Youthful Operator - Primary Classification

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-19 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

A. Super Preferred Select Program

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-20 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

B. Super Preferred Select Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk *0.00 Multi-Car Risk * -0.15 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 012345678 Years Accident or Conviction Free Codes* No Discount - 0102030405060708 1 Year Discount - 1112131415161718 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 3031------4 Year Discount 4041------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 5152535455565758 1 Year Discount - 6162636465666768 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car 89 Multi-Car 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-21 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Preferred Program

1. No Youthful Operator - Primary Classification

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-22 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

A. Preferred Program

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-23 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

B. Preferred Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk *0.00 Multi-Car Risk * -0.15 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 012345678 Years Accident or Conviction Free Codes* No Discount - 0102030405060708 1 Year Discount - 1112131415161718 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 3031------4 Year Discount 4041------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 5152535455565758 1 Year Discount - 6162636465666768 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car 89 Multi-Car 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-24 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Preferred Select Program

1. No Youthful Operator - Primary Classification

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-25 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

A. Preferred Select Program

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-26 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

B. Preferred Select Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk *0.00 Multi-Car Risk * -0.15 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 012345678 Years Accident or Conviction Free Codes* No Discount - 0102030405060708 1 Year Discount - 1112131415161718 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 3031------4 Year Discount 4041------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 5152535455565758 1 Year Discount - 6162636465666768 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car 89 Multi-Car 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-27 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Standard Program

1. No Youthful Operator - Primary Classification

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-28 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

A. Standard Program

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-29 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

B. Standard Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk *0.00 Multi-Car Risk * -0.15 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 012345678 Years Accident or Conviction Free Codes* No Discount - 0102030405060708 1 Year Discount - 1112131415161718 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 3031------4 Year Discount 4041------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 5152535455565758 1 Year Discount - 6162636465666768 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car 89 Multi-Car 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-30 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Standard Select Program

1. No Youthful Operator - Primary Classification

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-31 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

A. Standard Select Program

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-32 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

B. Standard Select Program

1. Secondary Classification

The Rating Factors applicable to Single or Multi-Car Risks shall be determined by the addition or subtraction of the appropriate factor from the table below to the Primary Rating Factor.

Code Program Single Car Risk *0.00 Multi-Car Risk * -0.15 * Refer to Secondary Statistical Code to determine the appropriate two-digit code.

2. Secondary Statistical Codes

For statistical purposes all charges are to be added to the Bodily Injury Premiums. For Physical damage only policies add charges to the Comprehensive Premiums.

SAFE DRIVER DISCOUNT DRIVER RECORD POINTS SINGLE CAR 012345678 Years Accident or Conviction Free Codes* No Discount - 0102030405060708 1 Year Discount - 1112131415161718 2 Year Discount 20 21 22 23 24 25 26 27 28 3 Year Discount 3031------4 Year Discount 4041------NON-ISO SDIP 09 MULTI-CAR Years Accident or Conviction Free No Discount - 5152535455565758 1 Year Discount - 6162636465666768 2 Year Discount 70 71 72 73 74 75 76 77 78 3 Year Discount 80 81 82 83 84 85 86 87 88 4 Year Discount 90 91 92 93 94 95 96 97 98 Realigned Penalty Points+ 29 NON-ISO SDIP 49 PRIVATE PASSENGER AUTOS NOT ELIGIBLE FOR MERIT RATING CODES* Single Car 89 Multi-Car 99 * The two-digits are to be appended to the four-digit corresponding Primary Rating Factor

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-33 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010 MIDDLESEX MUTUAL ASSURANCE COMPANY - PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

IX. EXTENDED GOOD STUDENT

MiddleOak Autosurance 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 -0.27 8404 -0.27 8402 -0.33 8405 -0.33 P 8411 -0.40 8414 -0.40 8412 -0.40 8415 -0.40 Married O 8421 -0.21 8424 -0.21 8422 -0.27 8425 -0.27 P 8431 -0.21 8434 -0.21 8432 -0.27 8435 -0.27 Female Single O 8701 -0.21 8704 -0.21 8702 -0.27 8705 -0.27 P 8711 -0.39 8714 -0.39 8712 -0.40 8715 -0.40 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 -0.27 8734 -0.27 8732 -0.33 8735 -0.33 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 -0.36 8224 -0.36 8222 -0.40 8225 -0.40 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 -0.30 8234 -0.30 8232 -0.36 8235 -0.36 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 -0.33 8406 -0.33 8407 -0.33 8400 -0.33 8408 -0.33 P 8413 -0.40 8416 -0.40 8417 -0.40 8410 -0.40 8418 -0.40 Married O 8423 -0.27 8426 -0.27 8427 -0.27 8420 -0.27 8428 -0.27 P 8433 -0.27 8436 -0.27 8437 -0.27 8430 -0.27 8438 -0.27 Female Single O 8703 -0.27 8706 -0.27 8707 -0.27 8700 -0.27 8708 -0.27 P 8713 -0.40 8716 -0.40 8717 -0.40 8710 -0.40 8718 -0.40 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 -0.33 8736 -0.33 8737 -0.33 8730 -0.33 8738 -0.33 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 -0.40 8226 -0.40 8227 -0.40 8220 -0.40 8228 -0.40 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 -0.36 8236 -0.36 8237 -0.36 8230 -0.36 8238 -0.36 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

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-34 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

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/ -0.27 8402/ -0.33 8403/ -0.33 8408/ -0.33 8409/ -0.27 P 8411/ -0.40 8412/ -0.40 8413/ -0.40 8418/ -0.40 8419/ -0.40 Married O 8421/ -0.21 8422/ -0.27 8423/ -0.27 8428/ -0.27 8429/ -0.21 P 8431/ -0.21 8432/ -0.27 8433/ -0.27 8438/ -0.27 8439/ -0.21 Female Single O 8701/ -0.21 8702/ -0.27 8703/ -0.27 8708/ -0.27 8709/ -0.21 P 8711/ -0.39 8712/ -0.40 8713/ -0.40 8718/ -0.40 8719/ -0.39 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/ -0.27 8732/ -0.33 8733/ -0.33 8738/ -0.33 8739/ -0.27 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/ -0.36 8222/ -0.40 8223/ -0.40 8228/ -0.40 8229/ -0.36 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/ -0.30 8232/ -0.36 8233/ -0.36 8238/ -0.36 8239/ -0.30 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

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-35 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010

ANNUAL BASE RATES MiddleOak Autosurance Program

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 1 553 259 841 35 78 353 74 2 403 185 612 24 100 346 74 5 307 150 462 22 63 277 74 16 418 209 634 26 100 368 74 17 381 185 579 26 100 359 74 18 329 163 497 22 85 283 74 19 342 168 510 22 63 270 74 20 298 163 468 22 63 268 74 21 285 144 431 17 52 255 74 23 348 170 521 22 61 259 74 24 242 120 366 17 50 233 74 25 283 137 425 17 54 257 74 26 296 135 451 17 63 290 74 27 279 135 418 22 61 270 74 28 277 133 407 17 61 283 74

Assurance

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 1 - Manchester 472 220 716 30 100 452 64 2 - Nashua 344 158 522 22 130 444 64 5 - Laconia 262 126 392 18 80 354 64 16 - Salem 356 180 540 24 130 470 64 17 - Kingston 326 158 492 24 130 460 64 18 - Bedford 280 142 424 18 108 362 64 19 - Portsmouth 294 144 436 18 80 348 64 20 - Exeter 254 140 402 18 80 346 64 21 - Concord 244 120 368 16 66 326 64 23 - Dover 298 146 446 18 76 330 64 24 - Keene 206 102 314 16 64 300 64 25 - Claremont 242 118 362 16 70 328 64 26 - Berlin 252 116 384 16 80 370 64 27 - Deerfield 236 116 356 18 76 348 64 28 - Ashland 234 114 348 16 78 362 64

New Hampshire Automobile MiddleOak Autosurance Program - New Business 06/18/2013 R-36 MiddleOak Autosurance Program - Renewal Business 08/18/2013

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

Master

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 1 - Manchester 580 270 876 36 120 552 64 2 - Nashua 432 200 650 26 164 556 64 5 - Laconia 326 156 488 24 100 442 64 16 - Salem 428 214 648 28 156 566 64 17 - Kingston 408 200 614 28 164 572 64 18 - Bedford 348 178 530 24 136 448 64 19 - Portsmouth 364 182 548 24 100 436 64 20 - Exeter 318 176 502 24 100 432 64 21 - Concord 306 150 460 22 82 408 64 23 - Dover 370 184 556 24 96 412 64 24 - Keene 258 126 394 22 78 376 64 25 - Claremont 306 148 456 22 86 410 64 26 - Berlin 316 146 476 22 100 462 64 27 - Deerfield 296 146 448 24 96 434 64 28 - Ashland 294 144 434 22 98 452 64

Dauntless

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 1 - Manchester 1134 528 1708 72 236 1080 66 2 - Nashua 734 336 1104 44 274 946 66 5 - Laconia 654 318 982 48 200 892 66 16 - Salem 846 422 1278 52 308 1114 66 17 - Kingston 726 354 1088 50 288 1014 66 18 - Bedford 696 350 1058 46 270 898 66 19 - Portsmouth 712 350 1070 46 194 850 66 20 - Exeter 610 332 960 44 192 826 66 21 - Concord 622 304 938 44 166 828 66 23 - Dover 710 350 1064 46 182 790 66 24 - Keene 506 248 766 42 150 734 66 25 - Claremont 606 294 906 42 174 816 66 26 - Berlin 662 304 998 46 206 962 66 27 - Deerfield 592 292 894 44 188 874 66 28 - Ashland 584 286 878 44 194 906 66

New Hampshire Automobile MiddleOak Autosurance Program - New Business 05/03/2010 R-37 MiddleOak Autosurance Program - Renewal Business 06/01/2011 All other Programs –Renewal Business 06/02/2010

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 1 308 145 465 20 42 187 41 2 224 103 341 14 53 184 41 5 169 84 255 12 34 147 41 16 231 117 353 15 53 195 41 17 211 103 319 15 53 190 41 18 180 91 275 12 44 149 41 19 192 92 286 12 34 144 41 20 167 90 263 12 34 144 41 21 160 78 241 8 28 135 41 23 194 95 289 12 32 138 41 24 133 66 205 8 27 125 41 25 159 77 236 8 29 136 41 26 166 75 248 8 34 153 41 27 154 75 231 12 32 144 41 28 153 75 226 8 33 149 41

SUPER PREFERRED SELECT 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 1 296 137 449 19 40 180 40 2 213 100 328 14 52 178 40 5 164 79 244 12 34 141 40 16 224 110 339 15 52 187 40 17 204 100 306 15 52 182 40 18 173 89 267 12 43 144 40 19 184 90 273 12 34 139 40 20 162 88 251 12 34 139 40 21 153 76 230 8 27 130 40 23 188 90 276 12 31 132 40 24 128 64 198 8 26 120 40 25 152 75 226 8 28 131 40 26 161 71 237 8 34 147 40 27 148 71 224 12 31 139 40 28 147 71 219 8 32 144 40

New Hampshire Automobile New Business 02/15/2014 R-38 Renewal Business 04/16/2014

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 1 344 161 519 21 46 208 45 2 250 117 377 15 60 205 45 5 191 91 284 13 37 163 45 16 257 129 390 18 60 216 45 17 236 117 357 18 60 212 45 18 203 102 306 13 49 167 45 19 211 103 315 13 37 160 45 20 186 101 290 13 37 159 45 21 175 88 268 11 31 149 45 23 213 104 320 13 35 152 45 24 148 75 226 11 30 139 45 25 174 87 264 11 33 150 45 26 184 84 275 11 37 170 45 27 169 84 257 13 35 160 45 28 168 81 252 11 36 167 45

PREFERRED SELECT 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 1 324 152 491 20 43 197 43 2 236 108 358 14 56 193 43 5 179 88 269 13 36 155 43 16 244 122 370 15 56 205 43 17 223 108 338 15 56 201 43 18 192 96 290 13 47 158 43 19 200 98 297 13 36 151 43 20 174 95 274 13 36 150 43 21 167 84 252 11 29 142 43 23 204 100 303 13 34 144 43 24 141 70 213 11 28 131 43 25 166 81 248 11 31 143 43 26 173 78 263 11 36 161 43 27 162 78 244 13 34 151 43 28 161 77 238 11 34 158 43

New Hampshire Automobile New Business 02/15/2014 R-39 Renewal Business 04/16/2014

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 1 393 184 596 25 53 240 56 2 288 133 436 19 69 235 56 5 219 104 327 14 43 187 56 16 296 148 450 20 69 249 56 17 271 133 410 20 69 245 56 18 231 119 354 14 57 192 56 19 244 121 364 14 43 185 56 20 212 117 335 14 43 184 56 21 204 101 306 12 35 173 56 23 248 122 371 14 40 176 56 24 169 87 263 12 34 159 56 25 203 100 302 12 36 174 56 26 211 96 316 12 43 196 56 27 196 96 296 14 40 185 56 28 194 92 290 12 41 192 56

STANDARD SELECT 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 1 383 178 578 25 51 233 55 2 278 129 424 19 67 228 55 5 211 102 316 14 42 182 55 16 288 145 436 20 67 241 55 17 265 129 398 20 67 237 55 18 225 115 344 14 55 187 55 19 237 119 354 14 42 180 55 20 207 111 325 14 42 179 55 21 198 98 297 12 34 168 55 23 241 120 360 14 39 170 55 24 166 84 254 12 34 156 55 25 196 96 294 12 36 168 55 26 206 92 308 12 42 190 55 27 191 92 288 14 39 180 55 28 190 90 283 12 40 187 55

New Hampshire Automobile New Business 02/15/2014 R-40 Renewal Business 04/16/2014

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL - NEW HAMPSHIRE

MODEL YEAR / SYMBOL FACTORS

MiddleOak Autosurance Program