SecurityDepositWaiverProperty Protect designs and sells insurancefor short term rentals properties.

1773 S. 8th Street, Suite 200Colorado Springs, CO 80905510.255.2799info@mypropertyprotect.com

Security Deposit WaiverInsurance is offered through Property Protect,

a DBA, of Commercial Insurance Group,

What are the payments and coverages?

You have paid $99, per stay. The policy covers up to $3,000 for any damage or theft during a gueststay. $0 for claims up to $1,000. For claims over $1,000 a $100 deductible applies.

What are my obligations?

When does the coverage start and end ?

You are responsible as the Owner or Property Manager to vet potential guests, not allow commercialevents or parties. Should you have to file a claim you are required to submit photos of damage or theft, documentationof receipts or repair invoices and a short summary of what happened and share guest contactinformation. For claims over $1,000 a police report may be required.

Coverage begins the day and time the guest checks in and ends the day and time of guest checkout.

Does this replace my homeowners' policy?

No, Security Deposit Waivers are "damage or theft" only policies. It's best used to preserve yourprimary homeowners' policy so you don't submit a lot of small claims, later affecting your CLUE reportand the the annual premium. Security Deposit Waivers do not include any sort of Liability coverage.

The Damage Protection plan provides coveragefor 'unintentional' damage to the vacation homeduring your stay. Damage to the following items:Furniture, Appliances, Decor, Flooring, Windowsand other interior items. For example: brokenlamps, windows and glass, electronics, damageddoors, walls and furniture, stained bedding orlinens, lost keys, and re-keying costs. Theft:There is coverage under the plan for theft whichis caused by any person other than the guest and their traveling companions if a police report isprovided. Property Protect does not cover intentional actsand coverage would not be afforded if the guestintentionally took something from the home. Pets:This policy can cover pet damage as long ashaving pets in the property is not considered abreach of the lease agreement. Pet damage is notcovered if the pet's presence in the rental violatesthe rental agreement.

Insurance is offered through Property Protect, a DBA, of Commercial Insurance Group,

What type of insurance is this?The Security Deposit Waiver is a Tenant Legal Liability product. Owners and Property Managers usethis policy in case of guest damage or theft during a short term rental stay.

What's covered What's NOT covered

Our policies are designed to cover damage andtheft. For catastrophic damage or liability pleaserefer to your primary homeowner's policy. Excessive cleaning: Regular cleaning fees nor excessive cleaning feesare not covered. Smoking Deodorization:Remediation of smoking or vaping smells are notcovered. Intentional Acts:This policy does not cover intentional acts, e.g.gunshot windows. Adverse Weather:You should contact the carrier for yourprimary homeowner's insurance policy for such asituation. Loss of Income:This policy does not cover loss of income.

Security Deposit Waiver

Surplus Lines Broker:Commercial Insurance Group, LLC303-900-2960POLICY NUMBER: CH-CIG-TL-1000000-2019

RESIDENCE PREMISES:

TENANT LEGAL LIMIT OF LIABILITY:

DEDUCTIBLE:

PREMIUM:

By:

CERTAIN UNDERWRITERS AT LLOYDS OF LONDONWRITTEN AND SIGNED LINES: 100% SYNDICATE #2488Policy Form: Tenant Legal Liability

YOUR PRODUCER’S NAME AND ADDRESS IS:Commercial Insurance Group, LLC1773 S. 8th StreetSuite 200Colorado Springs, CO 80905Phone #: 7204894403

POLICY TERM: Effective Date:06/01/2019 Expiration Date: 06/01/20120 Effective 12:01 a.m. Standard Time at Location of Property Described.

PERIOD: 12 Months (as reported) Form: Tenant Legal Liability Named Insured & Mailing Address:

The Residence Premises is Located at:See Named Insured & Mailing Address

This policy does not provide coverage for liability rising from bodily injury or property damage to property ofothers except as may be specifically designated above.

(Only those residence premises reported below are insured under this policy)

Each “residence premise” reported for coverage on per stay endoresement

(Per Occurrence unless indicated otherwise)

Property Damage Legal Liability to Landlord: $3,000 Per Residence. Premises Any One Occurrence (RCV)

$0 for claims up to $1,000. For claims over $1,000 a $100 deductible applies.

$99.00 Per Stay, Per Residence Premises Reported to Us – Tenant Legal Liability

(Unless indicated, premiums may be subject to adjustment)

This policy is comprised of the following Forms and Endorsements, which together form the policy identified by the above-listed policy number:

POLICY FORMS AND ENDORSEMENTS - See Schedule of Forms and Endorsements

SERVICE OF SUIT: Mendes & Mount, 750 Seventh Avenue, New York, NY 10019IF YOU WISH TO MAKE A COMPLAINT PLEASE CONTACT YOUR LOCAL DIVISION OF INSURANCECLAIMS: Affirmative Risk Management, PO Box 24407, Little Rock, AR 72221-4407 – 501-228-0900 or claims@cig-llc.bizDated in Colorado Springs, CO this day: Thursday, April 25, 2019

NEW BUSINESS POLICY DECLARATIONS PAGEUNIQUE MARKET REFERENCE:B1136700002019

Lloyd’s CertificateThis Insurance is effected with certain Underwriters at Lloyd’s, London. This Certificate is issued in accordance with the limited authorization granted to theCorrespondent by certain Underwriters at Lloyd's, London whose syndicate numbers andthe proportions underwritten by them can be ascertained from the office of the saidCorrespondent (such Underwriters being hereinafter called "Underwriters") and inconsideration of the premium specified herein, Underwriters hereby bind themselvesseverally and not jointly, each for his own part and not one for another, their Executorsand Administrators.

The Assured is requested to read this Certificate, and if it is not correct, return itimmediately to the Correspondent for appropriate alteration. All inquiries regarding this Certificate should be addressed to the following Correspondent:Commercial Insurance Group, LLC

In California:  Bigfoot Specialty Insurance AgencyLicense # 0H38597PO Box 60190Colorado Springs, CO 80960Tel: +1 303-900-2960

SLC-3 (USA) NMA2868 (24/08/00)  Form approved by Lloyd’s Market Association

LANDLORD REQUIRED TENANT LEGAL LIABILITY INSURANCE

PLEASE READ CAREFULLY: This policy provides limited liability coverage for “property damage” to the“in-sured location” by the “tenant”. It has been purchased by a property owner property manager (“NamedInsured”) to meet the minimum “tenant” liability insurance requirements of a residential lease agreement.Coverage may be narrower than a personal liability insurance policy or the liability coverage afforded to the“tenant” by a renter’s insurance policy. The “tenant” is only an Additional Insured and not a Named Insuredunder this policy.

AGREEMENT

A. In the policy, "we", "us" and "our" refer to theCompany providing the insurance.B. In addition, certain words and phrases are definedas follows:

We will provide the insurance described in the policyin return for the payment of the premium by theNamed Insured and compliance with all provisions ofthe policy applicable to the Named Insured and the“tenant” respectively.

DEFINITIONS

1. "Bodily injury" means bodily harm, sicknessor disease, including required care, loss ofservices and death that result.2. "Business" means:a. A trade, profession or occupation engagedin on a full-time, part-time or occasionalbasis; orb. Any other activity engaged in for money orother compensation, except the following:(1) One or more activities, not described in(2) through (4) below, for which no theperson receives more than $600 in totalcompensation for the 12 months beforethe date of loss;(2) Volunteer activities for which no moneyis received other than payment for expensesincurred to perform the activity;(3) Providing home daycare services forwhich no compensation is received,other than the mutual exchange ofsuch services; or(4) The rendering of home daycare servicesto a relative of the "tenant".

3. "Tenant" means:a. the “tenant” and residents of the “tenant’s”the household who are:(1) the “tenant’s” relatives; or(2) Other persons under the age of 21 andin the care of any person namedabove; orb. “residence employee” in the course oftheir employment while on the “insured location”.When the word “the” or “a” immediately precedesthe word "tenant", the words the "tenant"or a “tenant” together means one or more"tenants".4. "Insured location" means:a. The "residence premises"; andb. The part of other premises, structures andgrounds contained within continuouscommon grounds owned or operated bythe Named Insured and used by the “tenant”as a residence.5. "Occurrence" means an accident on the “insuredlocation”, including continuous or repeatedexposure to substantially the samegeneral harmful conditions, which results,during the Coverage Period, in "propertydamage" to the “insured location”.6. "Property damage" means physical injury to,destruction of, or loss of use of any part ofthe “insured location” caused by fire,smoke, explosion, water damage, backupor overflow of sewer, drain or sump, fallingobjects, riot or civil commotion.

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7. "Residence employee" means an employeeof the "tenant", or an employee leased to the"tenant" by a labor leasing firm, under anagreement between the "tenant" and the laborleasing firm, whose duties are related tothe maintenance or use of the "residencepremises", including household or domesticservices. A "residence employee" does notinclude a temporary employee who is furnishedto the "tenant" to substitute for a permanent"residence employee" on leave or tomeet seasonal or short-term workload conditions.8. "Residence premises" means the residentialdwelling unit where the “tenant” resides, andwhich is specifically scheduled to this policyas a "residence premises".9. “Fungi” means any type or form of fungus,including mold or mildew and any mycotoxins,spores, scents or byproducts producedor released by fungi.

LIABILITY COVERAGESProperty Damage Liability to Landlord’s PropertyIf a claim is made or a suit is brought against the"tenant" for damages because of "property damage"caused by an "occurrence" to the “insured location”to which this coverage applies, we will:1. Pay up to our Limit of Liability for the damages forwhich the "tenant" is legally liable subject to theself-insured retention. Damages include prejudgmentinterest awarded against the "tenant"; and2. Provide a defense at our expense by counsel ofour choice, even if the suit is groundless, false orfraudulent.We may investigate and settle any claim or suit thatwe decide is appropriate. Our duty to settle or defendends when our Limit of Liability for the "occurrence"has been exhausted by payment of a judgmentor settlement.

B. Expected Or Intended Damage“Property damage" which is expected or intendedby a "tenant" who is 13 years of age or oldereven if the resulting "property damage" is of a differentkind, quality or degree than initially expectedor intended.C. “Business”“Property damage” arising out of or in connectionwith a "business" conducted or engaged in by the"tenant", whether or not the "business" is ownedor operated by the "tenant" or employs the"tenant".This Exclusion C. applies, but is not limited to, anact or omission, regardless of its nature orcircumstance, involving a service or dutyrendered, promised, owed, or implied to beprovided because of the nature of the "business".D. “Bodily Injury”“Bodily Injury” liability or medical expense paymentsto any person.E. War“Property damage” caused directly or indirectlyby war, including the following and anyconsequence of any of the following:a. Undeclared war, civil war, insurrection, rebellionor revolution;b. Warlike act by a military force or militarypersonnel; orc. Destruction, seizure or use for a militarypurpose.Discharge of any nuclear, biological or chemicalagent or weapon will be deemed a warlike acteven if accidental.F. Controlled Substances“Property damage” arising out of the use, sale,manufacture, delivery, transfer or possession byany person of a Controlled Substance as definedby the Federal Food and Drug Law at 21U.S.C.A. Sections 811 and 812.Controlled Substances include but are not limitedto methamphetamine, cocaine, LSD, marijuanaand all narcotic drugs. However, this exclusiondoes not apply to the legitimate use of prescriptiondrugs by a person following the orders of alicensed physician.

EXCLUSIONS

A. "Vehicle Liability"“Property damage” arising from the ownership,maintenance, occupancy, operation, use, loadingor unloading of aircraft, hovercraft, watercraftor motor vehicles.

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G. “Pollutants”, Asbestos, Lead and Silicon“Property damage” arising out of the presence,dispersal, release, ingestion, inhalation,absorption, contact with, exposure to, or failure towarn of the presence of: “pollutants”, lead,asbestos, silicon or anything containing suchmaterial or substance. In addition, we will notpay cost or expense to abate, mitigate,remediate, contain, remove or dispose of any ofthese substances.H. “Fungi” and Bacteriaa. "Property damage" which would not haveoccurred, in whole or in part, but for the actual,alleged or threatened inhalation of, ingestionof, contact with, exposure to, existenceof, presence of, growth or spread of,any "fungi" or bacteria on or within a buildingor structure, including its contents, regardlessof whether any other cause, event, materialor product contributed concurrently orin any sequence to such damage.b. Any loss, cost or expenses arising out of theabating, testing for, monitoring, cleaning up,removing, containing, treating, detoxifying,neutralizing, remediating or disposing of, orin any way responding to, or assessing theeffects of, "fungi" or bacteria, by any insuredor by any other person or entity.I. “Property Damage” LiabilityThis policy does not apply to:1. Liability:a. For any loss assessment charged againstthe “tenant” as a member of an association,corporation or community of propertyowners;b. Under any contract or agreement enteredinto by the "tenant". However, this exclusiondoes not apply to written contracts:(1) That exclusively relate to the ownership,maintenance or use of the "residencepremises"; and(2) Where the contract or agreement wasexecuted by the “tenant” prior to an"occurrence";unless excluded in a. above or elsewherein the policy;

2. "Property damage" to property owned by any"tenant". This includes costs or expenses incurredby the "tenant" or others to repair, replace,enhance, restore or maintain suchproperty to prevent injury to a person or damageto property of others, whether on or awayfrom an "insured location";3. "Property damage" to property rented to, occupiedor used by or in the care of the "tenant"other than the “insured location”.4. Loss of rental income, rental value or businessincome.ADDITIONAL COVERAGES

We cover the following in addition to the Limits ofLiability:A. Claim ExpensesWe pay:1. Expenses we incur and costs taxed againstthe "tenant" in any suit we defend;2. Premiums on bonds required in a suit wedefend, but not for bond amounts more thanthe Limit of Liability. We need not apply for orfurnish any bond;3. Reasonable expenses incurred by the "tenant"at our request, including actual loss ofearnings (but not loss of other income) up to$250 per day, for assisting us in the investigationor defense of a claim or suit; and4. Interest on the entire judgment which accruesafter entry of the judgment and before we payor tender, or deposit in court that part of thejudgment which does not exceed the Limit ofLiability that applies.B. Replacement Cost Damage To PropertyUnless “Replacement Cost” is specifically indicatedin the Declarations, we will only pay, at replacementcost, up to $1,000 per "occurrence" for"property damage".

LIABILITY CONDITIONSA. Limit Of LiabilityOur total liability for all damages resulting fromany one "occurrence" will not be more than theLimit of Liability shown in the policy.

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This limit is the same regardless of the number ofclaims made. All "property damage" resultingfrom any one accident or from continuous or repeatedexposure to substantially the same generalharmful conditions shall be considered to bethe result of one "occurrence".B. Severability Of InsuranceCoverage applies separately to each "residencepremises" tenant household. This condition willnot increase our Limit of Liability for any one "occurrence".C. Duties After "Occurrence"In case of an "occurrence", the "tenant" will performthe following duties that apply. We have noduty to provide coverage under the policy if the“tenant’s” failure to comply with the following dutiesis prejudicial to us. The “tenant” will help usby seeing that these duties are performed:1. Give written notice to us or our agent as soonas is practical, which sets forth:a. The identity of the policy and the "namedinsured" shown in the policy;b. Reasonably available information on thetime, place and circumstances of the "occurrence";andc. Names and addresses of any claimantsand witnesses;2. Cooperate with us in the investigation, settlementor defense of any claim or suit;3. Promptly forward to us every notice, demand,summons or other process relating to the"occurrence";4. At our request, help us:a. To make settlement;b. To enforce any right of contribution orindemnity against any person or organizationwho may be liable to the "tenant";c. With the conduct of suits and attend hearingsand trials; andd. To secure and give evidence and obtainthe attendance of witnesses;5. No "tenant" shall, except at their own cost,voluntarily make payment, assume obligationor incur any expense.D. Suit Against Us1. No action can be brought against us unlessthere has been full compliance with all of theterms of this policy.

2. No one will have the right to join us as a partyto any action against either the Named Insuredor the "tenant".3. No action can be brought against us until theobligation of the "tenant" has been determinedby final judgment or agreement signedby us.E. BankruptcyBankruptcy or insolvency of the Named Insuredor the "tenant" will not relieve us of our obligationsunder the policy.F. Other InsuranceCoverage under this policy is excess over othervalid and collectible “tenant” insurance exceptinsurancewritten specifically to cover as excessover the Limit of Liability that applies in the policy.G. Coverage PeriodCoverage under the policy applies only to "propertydamage" which occurs during a valid CoveragePeriod. The Coverage Period for each eligible“residence premises” shall commence uponthe later of:1. the policy Effective Date; or2. the inception date of the lease agreementbetween the “tenant” and the Named Insuredfor utilizing the “residence premises”; or3. such later Coverage Effective Date as reportedby the Named Insured.The Coverage Period shall cease upon the earlierof:1. the policy cancellation or Expiration Date; or2. the termination or expiration date of thelease agreement between the “tenant” andthe Named Insured for utilizing the “residencepremises”; or3. such earlier Coverage Expiration Date as reportedby the Named Insured; or4. such other cancellation date as precipitatedby non-payment of premium or other validreasons.H. Concealment Or FraudWe do not provide coverage to a "tenant" who,whether before or after a loss, has:1. Intentionally concealed or misrepresentedany material fact or circumstance;2. Engaged in fraudulent conduct; or3. Made false statements;relating to any claim or the insurance coverageprovided under the policy.

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GENERAL CONDITIONSA. Tenant is not a Named InsuredThe “tenant” is not a Named Insured under thepolicy. The “tenant” is only an Additional Insured.Further, to qualify as an Additional Insured, allpremiums must have been paid for the CoveragePeriod for such “tenant” and “residence premises”.B. Cancellation / Nonrenewal1. The Named Insured may cancel the policy atany time by returning it to us or by letting usknow in writing of the date cancellation is totake effect.2. We may cancel the policy at any time. Wemay do so by delivering to the Named Insured,or mailing to the Named Insured at themailing address shown on the policy Declarations,written notice at least 10 days beforethe date cancellation is to take effect for materialmisrepresentation or non-payment ofpremium and 30 days for any other reason.Proof of mailing will be sufficient proof of notice.3. We may elect not to renew the policy. Wemay do so by delivering to the Named Insured,or mailing to the Named Insured at themailing address shown on the policy Declarations,written notice at least 30 days beforethe expiration date of the policy. Proof of mailingwill be sufficient proof of notice.4. Unless agreed otherwise by us, upon cancellationor non-renewal of the policy for anyreason, all coverage shall immediately ceasefor all “tenants”. The cancellation or expirationdate of the policy shall be the end of thePolicy Period for all “tenants”.5. Upon termination or expiration of the leaseagreement between the Named Insured andthe “tenant” for use of the “residence premises”,all coverage under the policy shall immediatelycease for such “tenant” without noticeto the “tenant”.6. When this policy is canceled, any unearnedpremium remitted for the period from the dateof cancellation to the expiration or anniversarydates of the annual lease agreementswill be refunded to the Named Insured in accordancewith our short rate methodology.

7. Upon cancellation or nonrenewal, no additional”residence premises” or Coverage Periodsmay be reported after such date. Asthis policy allows for additional “residencepremises” to be added during the Policy Periodby reporting to us, we may at any timedecline to accept such additional “residencepremises” under this policy. This declinationshall not be considered to be a cancellationof this policy and shall not be subject to provisionsthat apply to cancellation of this policy.8. In the event of nonpayment of premium forany individual “residence premises” or nonpaymentof a monthly installment premium,we may, at our option, deny coverage forsuch “residence premises” and/or monthlyreporting period and the same shall not constitutecancellation of this policy.D. Named Insured’s Duty to Notify TenantsWe have no duty to notify the “tenant” of cancellationor non-renewal of the policy. The NamedInsured shall notify all “tenants” of cancellation ornon-renewal of the policy.E. AssignmentAssignment of the policy will not be valid unlesswe give our written consent.F. SubrogationThe "tenant" may waive in writing before a lossall rights of recovery against any person. If notwaived, we may require an assignment of rightsof recovery for a loss to the extent that paymentis made by us. If an assignment is sought, the"tenant" must sign and deliver all related papersand cooperate with us.G. DeathIf a “tenant” dies, we insure the legal representativeof the deceased but only with respect to the“residence premises” of the deceased coveredunder the policy at the time of death.H. Waiver Or Change Of Policy ProvisionsA waiver or change of a provision of the policymust be done in writing by us to be valid. Ourrequest for an examination or a request by eitherparty for an appraisal will not waive any of ourrights.

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I. Premium Reporting and Remittance1. Premium shall be computed in accordancewith our rates as specified in the policyDeclarations or as amended by us.2. Within 5 days after the close of each month,the Named Insured shall report, on ourReporting Schedule, the such information asmutually agreed to identify each “residencepremises” being added or deleted from thepolicy; the effective date of addition ordeletion; and the associated CoveragePeriod.3. Any premium due shall be payable within 20days after the close of each month. Coveragefor any individual “residence premises”and the occupying “tenants” will not be effectiveunless we receive the ReportingSchedule and the appropriate premium hasbeen paid for such “residence premises”.4. Coverage may not be backdated prior to thelater of the first day of the Reporting Monthor the inception date of the lease agreement.Failure by the Named Insured to reportan individual “residence premises” shallvoid coverage for such “residence premises”and occupying “tenants”.

5. At your request, we do not provide coveragefor any “residence premises” that you specify.Your nonpayment of premium for any individual“residence premises” shall, at oursole discretion, be deemed evidence thatyou have waived coverage for such “residencepremises”. If subsequent payment istendered, we shall have the right but not theobligation to accept payment and extendcoverage for such “residence premises”.6. In the event that the “tenant” obtains personalliability insurance or renters insurancein compliance with the terms of the leaseagreement, coverage for the “tenant’s” residencepremises shall be automatically cancelledto such date with a return of any unearnedpremium.

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CERTIFICATE PROVISIONS1.     Signature Required. This Certificate shall not be valid unless signed by the Correspondent on the attachedDeclaration Page. 2.     Correspondent Not Insurer. The Correspondent is not an Insurer here under and neither is nor shall beliable for any loss or claim whatsoever.The Insurers hereunder are those Underwriters at Lloyd's, London whose syndicate numbers can be ascertainedas hereinbefore set forth. As used in this Certificate "Underwriters" shall be deemed to include incorporated aswell as unincorporated persons or entities that are Underwriters at Lloyd's, London. 3.     Cancellation. If this Certificate provides for cancellation and this Certificate is cancelled after the inceptiondate, earned premium must be paid for the time the insurance has been in force. 4.     Service of Suit. It is agreed that in the event of the failure of Underwriters to pay any amount claimed to bedue hereunder, Underwriters, at the request of the Assured, will submit to the jurisdiction of a Court ofcompetent jurisdiction within the United States. Nothing in this Clause constitutes or should be understood toconstitute a waiver of Underwriters' rights to commence an action in any Court of competent jurisdiction in theUnited States, to remove an action to a United States District Court, or to seek a transfer of a case to anotherCourt as permitted by the laws of the United States or of any State in the United States. It is further agreed thatservice of process in such suit may be made upon the firm or person named in item 6 of the attached DeclarationPage, and that in any suit instituted against any one of them upon this contract, Underwriters will abide by thefinal decision of such Court or of any Appellate Court in the event of an appeal. The above-named are authorized and directed to accept service of process on behalf of Underwriters in any suchsuit and/or upon request of the Assured to give a written undertaking to the Assured that they will enter a generalappearance upon Underwriters' behalf in the event such a suit shall be instituted. Further, pursuant to any statute of any state, territory or district of the United States which makes provisiontherefor, Underwriters hereby designate the Superintendent, Commissioner or Director of Insurance or otherofficer specified for that purpose in the statute, or his successor or successors in office, as their true and lawfulattorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalfof the Assured or any beneficiary hereunder arising out of this contract of insurance,and hereby designate the above-mentioned as the person to whom the said officeris authorized to mail such process or a true copy thereof.

5.     Assignment. This Certificate shall not be assigned either in whole or in part without the written consent ofthe Correspondent endorsed hereon. 6.     Attached Conditions Incorporated. This Certificate is made and accepted subject to all the provisions,conditions and warranties set forth herein, attached or endorsed, all of which are to be considered asincorporated herein. 7.     Short Rate Cancellation. If the attached provisions provide for cancellation, the table below will be used tocalculate the short rate proportion of the premium when applicable under the terms of cancellation.

Short Rate Cancellation Table For Term of One Year.

Days Insurance in Force

Per Cent of one year Premium

1 .................................................... 5%

2 ..................................................... 6

3 - 4 ............................................... 7

5 - 6 ........................................... ....8

7 - 8 ........................................... ....9

9 - 10 ........................................... 10

11 - 12 ......................................... 11

13 - 14 ......................................... 12

15 - 16 ......................................... 13

17 - 18 ......................................... 14

19 - 20 ......................................... 15

21 - 22 ......................................... 16

23 - 25 ......................................... 17

26 - 29 ......................................... 18

30 - 32 ( 1 mos ) ......................... 19

33 - 36 ......................................... 20

37 - 40 ......................................... 21

41 - 43 ......................................... 22

44 - 47 ......................................... 23

48 - 51 ......................................... 24

52 - 54 ......................................... 25

55 - 58 ......................................... 26

59 - 62 ( 2 mos ) ......................... 27

63 - 65 ......................................... 28

66 - 69 ......................................... 29%

70 - 73 ............................................ 30

74 - 76 ............................................ 31

77 - 80 ............................................ 32

81 - 83 ............................................ 33

84 - 87 ............................................ 34

88 - 91 ( 3 mos ) ........................... 35

92 - 94 ............................................ 36

95 - 98 ............................................ 37

99 - 102 ......................................... 38

103 - 105 ....................................... 39

106 - 109 ....................................... 40

110 - 113 ....................................... 41

114 - 116 ....................................... 42

117 - 120 ....................................... 43

121 - 124 ( 4 mos ) ...................... 44

125 - 127 ....................................... 45

128 - 131 ....................................... 46

132 - 135 ....................................... 47

136 - 138 ....................................... 48

139 - 142 ....................................... 49

143 - 146 ....................................... 50

147 - 149 ....................................... 51

150 - 153 ( 5 mos ) ...................... 52

154 - 156 ....................................... 53%

157 - 160 ....................................... 54

161 - 164 ....................................... 55

165 - 167 ....................................... 56

168 - 171 ....................................... 57

172 - 175 ....................................... 58

176 - 178 ....................................... 59

179 - 182 ( 6 mos ) ....................... 60

183 - 187 ....................................... 61

188 - 191 ....................................... 62

192 - 196 ....................................... 63

197 - 200 ....................................... 64

201 - 205 ....................................... 65

206 - 209 ....................................... 66

210 - 214 ( 7 mos ) ....................... 67

215 - 218 ....................................... 68

219 - 223 ....................................... 69

224 - 228 ....................................... 70

229 - 232 ....................................... 71

233 - 237 ....................................... 72

238 - 241 ....................................... 73

242 - 246 ( 8 mos ) ....................... 74

247 - 250 ....................................... 75

251 - 255 ....................................... 76

256 - 260 ....................................... 77%

261 - 264 ....................................... 78

265 - 269 ....................................... 79

270 - 273 ( 9 mos ) ...................... 80

274 - 278 ....................................... 81

279 - 282 ....................................... 82

283 - 287 ....................................... 83

288 - 291 ....................................... 84

292 - 296 ....................................... 85

297 - 301 ....................................... 86

302 - 305 ( 10 mos ) ..................... 87

306 - 310 ....................................... 88

311 - 314 ....................................... 89

315 - 319 ....................................... 90

320 - 323 ....................................... 91

324 - 328 ....................................... 92

329 - 332 ....................................... 93

333 - 337 ( 11 mos ) ..................... 94

338 - 342 ....................................... 95

343 - 346 ....................................... 96

347 - 351 ....................................... 97

352 - 355 ....................................... 98

356 - 360 ....................................... 99

361 - 365 ( 12 mos ) ..................... 100

Days Insurance in Force

Per Cent of oneyear Premium

Days Insurance in Force

Days Insurance in Force

Per Cent of oneyear Premium

Per Cent of oneyear Premium

Rules applicable to insurance with terms less than or more than one year:

A. If insurance has been in force for one year or less, apply the short rate table for annual insurance to the full annualpremium determined as for insurance written for a term of one year. B. If insurance has been in force for more than one year:

1. Determine full annual premium as for insurance written for a term of one year. 2. Deduct such premium from the full insurance premium, and on the remainder calculate the pro rata earned premiumon the basis of the ratio of the length of time beyond one year the insurance has been in force to the length of timebeyond one year for which the policy was originally written. 3. Add premium produced in accordance with items (1) and (2) to obtain earned premium during full period insurancehas been in force.