2009 Consumer Guide to Automobile Insurance by ihm18500

VIEWS: 178 PAGES: 272

									       Consumer Guide
                         to
                      Automobile Insurance




     New York State Insurance Department
David A. Paterson, Governor   James J. Wrynn, Superintendent
                 ATTENTION:
DEPARTMENT OF MOTOR VEHICLES (DMV)
               and
  NEW YORK STATE PUBLIC LIBRARIES

  Under New York State Law, copies of this guide
  should be made available to all New York State
        public libraries and DMV offices.



  If you need additional copies of this guide, please contact:

                    Mr. William Wood
        NYS Insurance Department, Publications Unit
                  One Commerce Plaza
                    Albany, NY 12257
                      518-486-5672




            This report is printed on recycled paper.
    NEW YORK STATE
INSURANCE DEPARTMENT


          2009
   CONSUMER GUIDE
         TO
AUTOMOBILE INSURANCE



      DAVID A. PATERSON
         GOVERNOR

        JAMES J. WRYNN
 SUPERINTENDENT OF INSURANCE




              This publication is accessible through the
              New York State Insurance Department Web
              site at http//www.ins.state.ny.us
                                          STATE OF NEW YORK
David A. Paterson                      EXECUTIVE CHAMBER
     GOVERNOR                                 ALBANY 12224




Dear Fellow New Yorker:

            The high cost of living is an issue that affects all New Yorkers. That is why it
is so important that we all work together to make sure the Empire State remains an
affordable place to live.

         One of the ways New York State government has worked to help hold down the
cost of living is by encouraging a competitive automobile insurance marketplace. By
doing so, we have helped foster market conditions where insurers must compete for the
opportunity to capture your business by offering cost-effective coverage and innovative
policy features.

         We have also worked diligently to control insurance costs through the State’s
continuing efforts to combat auto insurance-related fraud. Joined by other local and State
agencies, the Insurance Department is committed to continuing its vigorous anti-fraud
activities.

        As a consumer, remember it is important that you actively shop for the insurance
policy that best meets your needs. So, talk to your relatives and friends, review Insurance
Department resources and consider all of your options when buying insurance.

        By working together, we can all help build a stronger New York.

                                                  Sincerely,



                                                  David A. Paterson




                                            www.ny.gov
    James J. Wrynn                    STATE OF NEW YORK
Superintendent of Insurance         INSURANCE DEPARTMENT
                                       25 BEAVER STREET
                                    NEW YORK, NEW YORK 10004


Dear Fellow New Yorker:

The New York State Insurance Department’s Consumer Guide to Automobile Insurance is
prepared annually as a practical resource that New York consumers can use to obtain help when
they are buying automobile insurance or considering ways to prudently reduce the cost of their
insurance.

The Empire State has long had a competitive automobile insurance marketplace with more than
200 insurers competing for your business. As a consumer, you owe it to yourself to shop for the
insurance policy that offers you the best possible protection at the best possible price.

This Consumers Guide compares selected sample prices offered by automobile insurers and
describes the types of coverage they offer. This publication also has valuable information on how
to reduce the cost of insurance and how to file a complaint if you are unable to resolve a problem
with your insurance company, agent or broker.

The Insurance Department’s website, www.ins.state.ny.us, is another important resource that you
should use. The website contains up-to-date information you may wish to consider when selecting
an automobile insurance policy.

Automobile insurance is an important asset that protects you and your family from unexpected
loss, so please take the time to carefully consider all of your options. And, as always, remember
to drive safely!
                 NEW YORK STATE INSURANCE DEPARTMENT

               CONSUMER GUIDE TO AUTOMOBILE INSURANCE

                            TABLE OF CONTENTS
                                                                      Page

I.      INTRODUCTION                                                   1

II.     REQUIRED AUTO INSURANCE                                        1

III.    OPTIONAL AUTO INSURANCE                                        6

IV.     THE VOLUNTARY & RESIDUAL MARKETS                              10

V.      THE ROLE OF AGENT, BROKER OR COMPANY REPRESENTATIVE           12

VI.     WHEN APPLYING FOR AUTO INSURANCE                              13

VII.    IMPORTANCE OF HIGHWAY SAFETY & SAFE DRIVING                   18

VIII.   HOW TO SAVE MONEY ON AUTO INSURANCE                           18

IX.     RATING BASIS FOR PHYSICAL DAMAGE COVERAGES                    20

X.      DIFFICULT-TO-INSURE VEHICLES                                  24

XI.     WHAT ABOUT TERMINATION?                                       26

XII.    FILING CLAIMS UNDER YOUR OWN POLICY                           27

XIII.   IF YOU HAVE A COMPLAINT OR INQUIRY                            30

XIV.    WHAT ABOUT FRAUD?                                             32

XV.     BUYING AUTO INSURANCE ON THE INTERNET                         33

XVI.    AUTO INSURANCE PRICES IN NEW YORK                             35

                               APPENDICES

        Appendix I - AUTO INSURANCE PRICE COMPARISON TABLES
        Appendix II – AUTO INSURANCE DISCOUNTS
        Appendix III - AUTO INSURANCE RATING TERRITORY DESCRIPTIONS
        Appendix IV –TELEPHONE NUMBERS OF AUTO INSURERS

            CONSUMER COMPLAINT/NO-FAULT ARBITRATION FORMS
                  AUTOMOBILE INSURANCE CHECKLIST
                                           I. INTRODUCTION



     In order to register your car and obtain license plates in New York you must either purchase an
automobile liability insurance policy from an insurer licensed by the New York State Insurance
Department, or provide other acceptable proof of financial responsibility in at least the minimum amounts
required by law. However, you may purchase higher amounts of the required coverages as well as other
insurance coverages in order to meet your particular needs. This Guide is designed to give you a better
understanding of auto insurance and practical information about available auto insurance policies.




                                 II. REQUIRED AUTO INSURANCE


A. Coverages

    This section describes the minimum coverages and amounts of insurance that must be purchased to
satisfy the financial responsibility requirements needed to register your car and obtain license plates.
These coverages include:


         (1) No-Fault (Personal Injury Protection) - to pay medical expenses and lost earnings for
         a driver or passenger injured in, or a pedestrian injured by, your car;

         (2) Liability - to protect against the harm your car, or any car you drive with the owner’s
         permission, might do to other people and their property; and

         (3) Uninsured Motorists - to protect against the injuries you, your family or your
         passengers might suffer in a hit-and-run accident or in an accident with an uninsured
         vehicle.


1. No-Fault Benefits—Personal Injury Protection (PIP)

     No-Fault, also called Personal Injury Protection (PIP), is designed to pay promptly, regardless of
who is at fault or whether there was any negligence, for economic losses (meaning medical/health
expenses, lost earnings, and certain other reasonable and necessary expenses related to injuries
sustained), up to $50,000 per person (“basic No-Fault coverage”), to the driver and all passengers injured
in your car as well as any pedestrians injured by your car, because of its use or operation in New York
State.
                                                      2

     The purpose of No-Fault insurance is to restore individuals
hurt in auto accidents to health and productivity as swiftly as
possible. Because of New York’s No-Fault law, lawsuits due to
auto accidents can be brought only for economic losses that
exceed No-Fault benefits and for non-economic damages (such
as pain and suffering) only if a “serious injury” (as defined in the
Insurance Law) is sustained.

     No-Fault is a personal injury coverage and does not pay
for auto body repair of your car or damage to any other party’s
motor vehicle or other personal property.        No-Fault is also
primary to health insurance, which means it pays first in the event injury is due to an auto accident.

     Under this coverage, your insurer provides you and all relatives who reside in your household with
protection against economic losses arising from injuries sustained in motor vehicle accidents anywhere
within the United States, its territories and possessions, or Canada. It also provides coverage for any
passengers injured in accidents in New York State while in your vehicle, as well as any guest passengers
who are New York State residents injured in your vehicle anywhere in the United States, its territories and
possessions, or Canada, if they are not covered under another auto insurance policy in New York State.

     All pedestrians injured by motor vehicles in New York State are also protected by No-Fault.

     Basic No-Fault auto insurance coverage includes:

        •   reasonable and necessary accident related medical and rehabilitation expenses (in
            accordance with established fee schedules);

        •   80% of lost earnings from work, up to a maximum payment of $2,000 per month for
            up to three years from the date of the accident; subject to statutory offsets for New
            York State disability, Worker’s Compensation and Federal Social Security disability
            benefits.

        •   up to $25 a day, for up to a year from the date of the accident, to reimburse other
            reasonable and necessary expenses, (e.g., household help, and transportation
            expenses to/from medical treatment) resulting from the auto accident; and

        •   a $2,000 death benefit (in addition to the $50,000 basic No-Fault limit), payable to the
            estate of a person eligible for No-Fault benefits who is killed in a motor vehicle
            accident.

     However, under most insurance policies, a person will be ineligible for No-Fault benefits, if:

        •   driving while intoxicated or impaired by use of a drug that contributes to the accident;

        •   intentionally causing his or her own injuries;

        •   riding an all terrain vehicle (ATV) or a motorcycle as operator or passenger (a
            pedestrian struck by a motorcycle or ATV is covered);
                                                       3

         •   injured while committing a felony;

         •   injured while in a vehicle known to be stolen; or

         •   an owner of an uninsured vehicle.


2. Liability Insurance—Bodily Injury & Property Damage

      This liability coverage protects you (and anyone driving your car with your permission), if a claim is
made against you by another person (“third-party”), alleging that you were negligent or otherwise at fault.
Thus this coverage will make payments on your behalf to that injured third-party, in the event your car is
involved in an accident that results in serious injury or death to others or damage to their property.

      In addition, your insurance company must provide you with a legal defense against such claims,
without reducing your policy’s liability limits.

      The minimum limits of third-party bodily injury liability coverage mandated by New York’s Vehicle
    and Traffic Law are:

         •   $25,000 for bodily injury (not resulting in death), or $50,000 for any injury resulting in
             death, sustained by any one person in any one accident;

         •   $50,000 for bodily injury (not resulting in death) sustained by two or more persons in
             any one accident, or $100,000 for any injuries resulting in death sustained by two or
             more persons in any one accident (subject to the above per person limits).

      Since the minimum limit of coverage required by law for property damage liability protection, for
damage to another party’s car or property, is $10,000 per accident, these minimum liability limits in New
York are sometimes together referred to as “$25,000/$50,000/$10,000” or “25/50/10”.

      If, however, your vehicle is used or operated in another state or Canadian province that requires
higher liability limits than the above New York mandated limits or what is purchased, your policy will
provide coverage for those limits required by such other jurisdiction.

      If you are injured in an auto accident, or your car is damaged, due to someone else’s negligence,
you may be able to make a claim against that other person’s auto insurance policy for bodily injury and
property damage liability. You must establish that the other party was at fault. You have a right to sue
another party involved in the auto accident for pain and suffering, only if you sustained a “serious injury”
as defined in the Insurance Law. You can also go to court against a third party for property damage and,
when bodily injury has been sustained, for other economic loss not covered by, or exceeding the limits of,
your No-Fault coverage.

      Suing another party would be your own personal action, and does not involve your insurance
company under the provisions of your policy. If you decide to sue someone else, your insurer under your
own policy is not required to provide or pay for a lawyer you might want or need to handle your claim
against another party.
                                                      4

     While your automobile liability insurance policy provides coverage for every passenger in your
vehicle injured in an accident caused by the driver’s negligence, it will most likely not provide any liability
coverage when the injured passenger is your spouse unless you purchase Supplemental Spousal
Liability Insurance, which is discussed on page nine. However, your spouse would still be eligible for
basic No-Fault coverage as discussed earlier. When shopping for insurance, please check with your
insurance company, agent or broker about whether your policy affords bodily injury liability coverage to
your spouse.




3. Uninsured Motorists Coverage

     Another important feature of your auto insurance policy is bodily injury protection for you, all family
members who reside in your household, and occupants of your car, in the event you or they are injured
as the result of negligent actions by an uninsured vehicle or hit-and-run motorist.           This mandatory
coverage applies only in regard to bodily injury due to accidents occurring in New York State, and does
not cover auto body damage to your car or damage to other property.

     For New York accidents, the amount of uninsured motorists protection required to be provided is
the same minimum bodily injury limits as required for liability insurance. For a small additional charge,
this uninsured motorists coverage can be extended to provide coverage for out-of-state accidents by
endorsement, so you should check with your agent, broker or insurer if you want this extension of
coverage.

     If anyone in your car is injured by the driver of an uninsured vehicle or a hit-and-run motorist, a
claim should be filed with your auto insurance company under this coverage. Similarly, you should file a
claim with your automobile insurer if you or a member of your family is injured while unknowingly
occupying an uninsured vehicle, or injured as a pedestrian by an uninsured or hit-and-run motorist. If you
do not own a car, but a relative in your household does, you may file a claim under that policy.

     If you don’t have your own policy and are not covered by a family member’s policy in your
household and if you are injured as a pedestrian by an uninsured vehicle or hit-and-run driver or as an
occupant of an uninsured vehicle in New York State, you may still be eligible for uninsured motorists
protection and No-Fault coverage. You or your representative should immediately report the accident to
proper authorities, and then promptly (because there are stringent time limits) file a claim with the Motor
Vehicle Accident Indemnification Corporation (MVAIC), located at 110 William Street, 19th Floor, New
York, New York 10038 (Tel: 646-205-7800) (Fax: 212-732-1826). Additional information about MVAIC
can be found at http://www.mvaic.com.
                                                      5


B. Insurance Information and Enforcement System (IIES)

     You should be aware of the importance of maintaining required motor vehicle insurance coverage
on a continuous basis as long as you own a car. The New York Department of Motor Vehicles (DMV)
has the Insurance Information and Enforcement System (IIES), that will detect uninsured vehicles.

     Insurers are required to report to the DMV information, such as cancellations, renewals, and
issuance of new policies, on all persons they insure for motor vehicle insurance. This information is
entered into an electronic database that will continuously track insurance coverage for each registered
vehicle.     Failure to maintain liability insurance coverage for your car at all times can result in the
suspension of your vehicle registration and driver’s license, as well as other substantial monetary
penalties.

     These procedures could result in you receiving a letter from the DMV inquiring about your insurance
status – even if your vehicle is currently insured. Please don’t delay in handling any correspondence of
this nature you receive from the DMV, even if you are confident that your insurance is in effect. You may
contact your insurance agent, broker or company for assistance in responding to these letters, or you
may contact the DMV directly at 518-473-5595 and follow the phone prompts for information on how to
handle such correspondence.

C. When You Rent A Car
     Car rental agreements vary from one car rental
company to another.        However, all car rental companies
must provide the minimum coverages required by law. Car
rental companies may sell a Collision Damage Waiver
(CDW), also known as “Optional Vehicle Protection” (OVP).
For rentals of 30 consecutive days or less, car rental
companies in New York State can sell CDW, or, if not
purchased, charge a renter for the total value of a stolen (lost)
or damaged rental vehicle. The daily cost of the CDW may be as high as $12, depending on the value of
the vehicle.

     If you are currently insured under a New York auto insurance policy and you rent a car for 30 days
or less anywhere in the United States, its territories and possessions, or Canada, you do not need to buy
a CDW/OVP from the car rental company regardless of whether you have collision or comprehensive
coverage on your own car. At present such coverage is currently provided without any extra charge.
Furthermore, many credit card companies also provide some form of “collision damage coverage” to their
cardholders for vehicles they rent with that card. This is separate from any other coverage and usually
covers losses only in excess of amounts collectible under other existing coverages. It should be noted
that credit card companies do not extend this coverage to all vehicles. You may wish to check with your
credit card company to verify exactly what protection it provides and what types of vehicles are covered.
                                                       6

Coverage under these agreements is regulated under the New York State Insurance Law and must be
underwritten by a licensed New York State insurer.

      In addition, some car rental companies offer higher liability limits than the required 25/50/10 at an
additional cost. You may want to purchase this additional coverage if you do not own a car. If you
already have a policy with higher liability limits, it will provide the coverage while renting a car. Some
rental car companies are also licensed to sell additional accident and health coverage (beyond required
No-Fault benefits) and coverage for personal items stolen from the vehicle. These coverages are also
regulated under the New York State Insurance Law and must be underwritten by a licensed New York
State insurer.



                                III. OPTIONAL AUTO INSURANCE


      Beyond the coverages required by law, most insurance companies offer a wide range of optional
auto insurance coverages at additional cost. The most popular and valuable options are discussed here.



A. Bodily Injury Liability

      Buying increased bodily injury liability limits is a good idea for consumers seeking to protect their
assets in case of a lawsuit resulting from an auto accident. If you have assets that you wish to protect,
you should seriously consider purchasing higher limits of bodily injury liability coverage --
$50,000/$100,000, $100,000/$300,000, $250,000/$500,000 or even higher. Some insurers offer policies
with a combined single overall limit for both bodily injury liability and property damage liability, rather than
separate limits, which would then pay up to a single maximum amount for all damages caused by one
accident regardless of how many persons are injured (e.g., $100,000, $300,000 or $500,000).



B. Property Damage Liability

      Although the requirement for third party property damage liability coverage is currently $10,000,
many cars today are worth far more. Given the high cost of automobile replacement and/or repair, the
purchase of property damage liability limits higher than the required minimum limit of $10,000 should be
considered by insureds. Property damage limits of $15,000, $25,000, $50,000 and higher are generally
available for an additional premium.



C. Additional PIP (No-Fault) Benefits

      It is often smart to buy more No-Fault protection, over the basic $50,000 minimum coverage limit of
No-Fault benefits required by law.       Because of No-Fault’s cost-effective design, extended No-Fault
benefits represent a relatively inexpensive option.
                                                      7

      For a modest additional premium, optional coverages are available that will pay more than the
required basic No-Fault benefits, explained in Chapter II. Consumers now have two choices:


         •   You may purchase Additional PIP coverage, to raise the overall limit of No-Fault
             benefits available in case of an accident up to $100,000 or higher and, in the
             process, increase the potential maximum amounts of lost earnings payments, other
             necessary expenses or the death benefit, depending on the limit you select.
             Additional PIP also includes coverage for you and your family and, unlike basic No-
             Fault, extends to all out-of-state guest occupants in your car when driving anywhere
             in the United States, its territories and possessions, or Canada.        For a minimal
             charge, you may also purchase additional personal injury protection solely to cover
             such guest occupants, without increasing the overall limit of No-Fault benefits.


         •   Insurers must offer Optional Basic Economic Loss (OBEL) coverage. If purchased,
             this coverage elevates the required $50,000 of basic economic loss coverage by an
             additional $25,000. When the basic limit of $50,000 has been reached on a claim,
             this $25,000 can be designated by the injured person to be applied specifically to
             payments for loss of earnings from work (wage loss), for rehabilitation, or to all
             elements of basic economic loss.

      Neither of these two additional No-Fault coverage options lengthens the three-year limit within
which wage loss benefits are payable.

      The availability of these No-Fault options makes optional medical payments coverage (see below)
no longer as important as it had been, because that coverage (except for funeral expenses) responds
only if No-Fault does not cover the situation or after No-Fault benefits, when applicable, are first
exhausted.


D. Supplementary Uninsured/Underinsured Motorists (SUM) Coverage

      As discussed in Chapter II, one of the basic mandatory minimum coverages that comes with your
auto policy is bodily injury protection against the negligent actions of an uninsured or hit-and-run motorist.
You also have the option to expand this basic protection. For an additional premium, you can purchase
higher coverage limits of Supplementary Uninsured/Underinsured Motorists (SUM) coverage of up to
$250,000 per person per accident and $500,000 per accident, subject to the per person limit
($250,000/$500,000). Many insurers offer higher limits of SUM coverage. SUM coverage also provides
coverage for accidents occurring out-of-state, which are not covered under the basic required Uninsured
Motorists Coverage. However, the amount of SUM coverage may not exceed the bodily injury liability
limits of your policy.

      If SUM coverage has been purchased and you have an accident with another vehicle that is insured
but has bodily injury liability limits lower than yours, or if such vehicle has no insurance at all, SUM
coverage will be activated. The amounts paid under SUM by your policy up to its SUM limits will be
                                                          8

reduced, or offset, by any amounts recovered from another party’s auto insurance liability policy. Thus, if
you are ever involved in an accident with other drivers, you can be sure that all family members who
reside in your household are protected at least up to the amount of SUM coverage you have purchased
from your own insurer.


E. Collision Coverage

      With this optional insurance, your own insurer
pays you, without regard to fault, for damage to your
car caused by a collision with another car or any
other object or your car overturning.

      If you do not have collision coverage, and your
car is damaged in an accident where the other party
is at least partially at fault, you may still recover all or
part of the damages to your vehicle by making a
claim against that other vehicle’s property damage liability insurance coverage for the proportion of
damages for which the other driver was at fault.


F. Comprehensive Coverage

      Under comprehensive coverage, your insurer pays you, without regard to fault, for damage to your
car from all causes, other than collision, such as theft (of the car itself or its parts), fire, flood, windstorm,
glass breakage, vandalism, hitting or being hit by an animal, or by falling or flying objects.

      If your car is stolen comprehensive coverage will also provide a certain amount per day specified in
your policy for transportation expenses (rental car, public transportation, etc.). Generally, this coverage is
provided until the time the company makes an offer to settle your claim.

      Comprehensive and collision deductible options generally offered are $100, $200 (standard), $250,
$500 and $1,000. Coverage may also be sold where the deductible does not apply to window glass
damage. Remember, generally, you will not be paid more than the actual cash value of your car (i.e.,
what the car is worth) at the time of an accident, which takes depreciation into account. Some insurers
also offer “replacement coverage” which will pay the cost to replace a vehicle with a brand new vehicle of
the same make and model. This coverage usually applies in limited circumstances, for example, only up
to 1-year after the car is purchased.


G. Medical Payments Coverage

      This insurance pays, without regard to fault, medical expenses and funeral expenses for you and
your passengers, if an accident occurs involving your car, up to its stated limits.
                                                         9


H. Accidental Death and Dismemberment (AD&D) Coverage

      Some insurers offer coverage that will pay you, your family members, or other occupants of your
car, under the terms of the policy, a set amount for certain serious injuries or death caused by an
accident while in your car. These AD&D amounts are payable in addition to any amounts collected under
the No-Fault, liability, or other parts of the policy.


I. Gap Coverage
      Under the terms of a loan or lease on an automobile, at the time of total loss, there is often a
difference between the amount your insurer will pay as actual cash value (under comprehensive or
collision coverage) and the amount which you owe to the entity that financed or leased the vehicle (such
as a bank or auto dealer). This difference, which can be hundreds or even thousands of dollars, is called
the “gap amount”. Gap coverage pays this amount in the event of a total loss.

      Currently, you can purchase a “waiver” of the gap amount directly from the lender or dealer, who in
turn has purchased gap insurance to cover the vehicle. Alternatively, some insurers may offer a separate
policy or an endorsement to your personal automobile policy to cover this gap amount.

      In addition, some lenders and leasing companies’ financing contracts state that the amount of
settlement by the physical damage insurer (based on actual cash value) will be accepted as full
satisfaction of the contract in the case of total loss to the vehicle. In these cases, neither a gap waiver
nor policy is necessary, as no “gap” exists.


J. Supplemental Spousal Liability Insurance

      While your automobile liability insurance policy provides coverage for every passenger in your
vehicle injured in an accident caused by the driver’s negligence, it will most likely not provide any liability
coverage when the injured passenger is your spouse. However, insurers are required to offer their
policyholders the opportunity to purchase supplemental spousal liability coverage. This insurance covers
the liability of an insured because of the death of or injury to his or her spouse for the liability insurance
limits provided under the policy. You must request this additional coverage from your insurer and pay an
additional premium for it unless your company is providing this coverage at no charge.

      When you initially purchase insurance or at your policy renewal, your insurance company will be
sending you notice of the availability of this coverage, an explanation of it and the additional premium that
will be charged for it. Even if you do not purchase this optional coverage, a spouse is still eligible for No-
fault benefits as discussed earlier.



K. Other Coverages

      Other optional coverages available from some companies are Towing and Labor Coverage,
Extended Transportation Coverage (Rental Reimbursement) and Mechanical Breakdown Coverage. You
should contact your insurer, agent or broker to discuss whether it would be advisable for you to purchase
                                                      10

them. Some additional coverage may only be offered when comprehensive and/or collision coverage is
purchased on the insured vehicle.



                        IV. THE VOLUNTARY & RESIDUAL MARKETS


     Many insurers write auto insurance in New York State. When shopping for auto insurance, please
remember that if one or two agents or brokers are unable to find coverage for you, it does not mean that
there is no insurer willing to insure you on a voluntary basis. No single insurance agent or broker will
have contractual relations with all auto insurers doing business in New York.            You should ask the
particular agent or broker to identify the specific auto insurance companies to which he or she has
access.

     However, if you cannot find an auto insurance company that will sell you an auto policy with the
required coverages you need or want, the New York Automobile Insurance Plan (NYAIP), commonly
known as the Auto Plan or Assigned Risk Plan, is a special insurance facility established under New York
State law to assure that coverages are provided. Most agents and brokers licensed to place automobile
insurance policies are certified to place coverage through the Auto Plan. If you cannot locate a certified
broker or agent, you can obtain assistance in finding a certified producer by contacting the Auto Plan
directly at: New York Automobile Insurance Plan, 22 Cortlandt Street, Suite 1500, New York, New York
10007-3151 (Tel: 212-943-5100) (Fax: 212 943-0459). Additional information about NYAIP can be found
at http://www.aipso.com/NY/.

     The voluntary auto insurance market in New York is competitive and affords coverage to those
consumers an insurance company believes it can insure at a reasonable profit. Historically, most auto
insurers wrote business that was either preferred (better than average) or standard (average).

     There are a number of insurers that specialize in insuring drivers who previously would have not
found coverage outside of the Auto Plan (“nonstandard”), due to one or more underwriting factors (driving
record, age of vehicle, being a newly licensed driver, etc.).         Many insurers use “multi-tier” rating
programs, in which more than one rate level can be established within the same company. In order to be
approved, the program has to be structured to encourage movement of drivers out of the Auto Plan.
Under these programs, insurers broaden their underwriting guidelines and place insureds in rating "tiers"
with others who have similar characteristics. Upon renewal, the insured’s experience and characteristics
are re-evaluated to determine if he or she qualifies to move to a different tier. If your insurer uses a multi-
tier rating structure, you should have received a disclosure notice describing their program, and your
policy declarations page must indicate in which tier your policy is rated. However, as a last resort, the
residual market (the Auto Plan) remains available to cover consumers who have been declined coverage
in the voluntary market.

     Premiums for Auto Plan coverage are generally higher, because the overall loss experience for this
group of drivers has been consistently worse compared to the voluntary market. However, under Auto
                                                     11

Plan rules, drivers are eligible for a “careful driver” discount if they are accident free and conviction free
for at least one year in the Auto Plan and have at least four years experience as a licensed driver.

     When an application is submitted through the Auto Plan, it will be assigned to a particular insurer
among many of the auto insurers doing business in New York State. The premium for an Auto Plan
policy should be the same regardless of the insurer to which your application is assigned and no matter
what agent or broker handles your application. You should be wary if you do obtain different quotations
for an Auto Plan policy. There have been cases where an agent or broker “low-balls” by intentionally
quoting a lower premium in order to get the business. Please note that the insurer is not bound by
inaccurate quotes on the part of the agent or broker, who should be reported to the Auto Plan and the
Insurance Department.

     Consumers can obtain the following auto insurance coverages through the Auto Plan:

        •   the minimum limits required by law for bodily injury and property damage liability, basic
            No-Fault, and uninsured motorists insurance;

        •   optional higher limits up to $250,000/$500,000 in bodily injury liability and up to
            $100,000 in property damage liability;

        •   OBEL limits of $25,000 and Additional PIP limits of $50,000, resulting in higher
            aggregate No-Fault limits up to $125,000 on an optional basis;

        •   optional SUM coverage up to $250,000/$500,000;

        •   optional supplemental spousal liability coverage included within the bodily injury limits
            purchased;

        •   optional physical damage coverages (collision and comprehensive) up to the amount of
            $50,000, with several deductible options; and

        •   mandatory rental car coverage (described in section C of Chapter II).

     In the event that your auto insurance coverage is written through the Auto Plan, the insurer issuing
your policy must insure you for three years before it can nonrenew your policy (unless it wishes to write
the renewal on a voluntary basis).

     At the end of this three-year period you may shop for a voluntary market policy or re-apply to the
Auto Plan. However, there is no requirement for you to remain in the Auto Plan, and usually you will be
better off in the voluntary market. If, at any time, you can find an insurer in the voluntary market that is
willing to cover you, you may terminate your coverage with the Auto Plan insurer and obtain coverage
from the new company. The “short-rate” cancellation charge (discussed in Chapter XI) does not apply if
you cancel an Auto Plan policy in this situation.
                                                      12



          V. ROLE OF AGENT, BROKER OR COMPANY REPRESENTATIVE


                                                      You can seek the aid of any licensed insurance agent
                                             or broker when buying insurance, or you may obtain
                                             coverage from an insurance company that deals directly with
                                             the public, either through exclusive agents or through its
                                             own sales representatives, or through the Internet. See
                                             Chapter XV for more information on buying insurance on the
                                             internet.

                                                      Insurance agents and brokers must pass licensing
                                             examinations given by the Insurance Department, which
require knowledge about insurance rules, policies and practices. The distinction between insurance
agents and brokers is that an agent represents one or more insurers for the purpose of writing policies,
while a broker represents consumers to assist them in obtaining coverage from one of the companies
which that broker has a contractual relationship. Any of these “producers” (as they are known in the
insurance trade) can give you information about the kinds of policies available and how to best protect
yourself. In addition, your agent or broker usually will be able to assist you in the settlement of any
claims.

     If you are declined coverage by an insurer for any reason, be sure to ask for a clear explanation. If
coverage can be secured, make sure you determine whether it is on a voluntary or residual market basis,
understand which auto insurer is providing the policy, and request a detailed breakdown of the policy’s
different coverages, deductible and premium components. Your agent or broker should provide a written
itemization of any quote.

     Insurance agents and brokers typically receive a commission from the insurer. Insurance brokers
are not permitted to charge you any fee for services without a written memo, signed by the
insured/applicant, which specifies or clearly defines the amount of compensation (fee).        The memo
should also specify the services that are provided.

     If the placement is through the Auto Plan, a maximum fee of $50 may be charged in addition to
reimbursement for actual expenses for other services provided, such as using certified mail, or electronic
policy binding.   However, insurance brokers are not permitted to charge you a fee for obtaining a
Department of Motor Vehicles driving record printout for a policy through the Auto Plan.

     If the placement is in the voluntary market, fees are permissible as long as you agree in writing, as
noted above. An agent or broker is not permitted to offer you cash, or anything of value over $15, as an
inducement to purchase insurance.

     We always encourage consumers to shop around for auto insurance to obtain the best available
coverage and service at the most reasonable price. Contact several agents, brokers or insurers when
shopping for auto insurance. Sometimes the best way to find a qualified agent, broker or company sales
                                                      13

representative is a referral from a satisfied relative, friend or neighbor.        But remember that some
insurance brokers may not have auto insurance markets outside the Auto Plan. In such cases, it will be
in your best interest to approach other agents or brokers. Please note that exclusive or captive agents of
an insurer cannot refer you to another insurer if you do not meet the insurer’s underwriting guidelines.




                        VI. WHEN APPLYING FOR AUTO INSURANCE


A. Application

      It is important to ask any questions you have as well as disclose all relevant information requested
on an application even if it results in a higher premium. You may question the agent, broker or insurer
about its practice with respect to non-renewal of policyholders and the insurer’s surcharge policy.
      When obtaining a policy, ask the insurer about its guidelines on non-renewals and their relationship
to any collision or comprehensive claims you may submit. It might make sense to choose a higher
deductible, which would reduce the number of claims made, since only amounts over the deductible
would result in a collision or comprehensive claim under your policy. It should be noted that all auto
accidents, regardless of the amount of damage, must be reported to your insurer as required by your
policy provisions. Please be aware that many insurers consider your credit history in the underwriting
process, with regard to accepting or rejecting your application, or in the determination of your rating tier (if
the insurer has a “multi-tier” rating structure (see Chapter IV)). However, the Insurance Law prohibits an
insurance company from rejecting your application solely on the basis of credit information. See
Paragraph 3 of Subchapter E below for more information on uses of credit information.

B. Termination Period (see also Chapter XI)

      An insurer may cancel a new policy (not a renewal policy) for any reason not contrary to New York
Insurance Law by mailing a notice within the first 60 days. This termination period for cancellations
permits insurers the time and opportunity to verify any underwriting information on a brand-new risk, in
order to confirm that it wants to insure you.           If your policy covers you for physical damage
(comprehensive or collision) the insurer must inspect and photograph your vehicle to use for comparison
purposes if future damages are claimed. This inspection is usually waived in the case of a brand new
vehicle. Failure to comply with mandatory inspection requirements will result in a suspension of physical
damage coverage for the period of time that the vehicle remains uninspected. There is no cost to you for
this inspection.

      In addition, an insurer is entitled to cancel any policy mid-term if it discovers any fraud or material
misstatement made in the application for the policy. Discovery of fraud in making a claim may also
subject any person involved to criminal prosecution and/or a civil penalty under the Insurance Law of up
to $5,000, plus the value of the fraudulent claim (see Chapter XIV - “What About Fraud?”).

      Consumers should also be aware that there are computerized informational systems used by
insurers, such as the Comprehensive Loss Underwriting Exchange (CLUE). This system, similar to a
                                                      14

credit reporting agency, gathers data from insurers regarding past and present policyholders’ claim
histories. When an insurer writes or rates a policy, it may request a CLUE report on you. If you discover
that information in a CLUE report has been used against you, you may obtain a copy of your report by
contacting CLUE at the ChoicePoint Consumer Center (Tel: 1-800-456-6004). There will be no charge
for this report if your request is made within six months of its use by the insurer.

C. “Redlining”

      Pursuant to the Insurance Law, an insurer is not permitted to reject an application for auto
insurance based solely on the geographical location of the risk or of the producer. However, an insurer
may decline an application based on sound underwriting and actuarial principles reasonably related to
actual or anticipated loss experience. There are some insurers that only write in specified regions of the
state as specialty or regional insurers. This marketing strategy does not necessarily constitute an illegal
practice. However, if an insurer has “carved out” certain sections within larger areas in which they will not
write business, this might warrant further investigation and you are urged to bring this to the attention of
the Insurance Department.

D. Discrimination

      The Insurance Law also forbids an insurance company from refusing to issue a policy or terminating
a policy because of the race, creed, color, national origin, disability, sex, marital status or advanced age
of an insured or applicant. Such refusal or termination would constitute illegal discrimination.

      An insurer may not reject an applicant who possesses a New York driver’s license for auto
insurance solely on the basis that the applicant has not owned or insured a vehicle during the prior 39
months. (However an applicant who was on active service in the US Armed Forces and has maintained
a continuous, valid out-of-state or out-of-country license for the prior 39 months will be treated as if
continuously licensed in New York.)


E.    Factors Impacting Your Auto Insurance Premium

      Auto insurance premiums vary widely because they depend in part upon the characteristics of the
person insured, shown by statistical analysis and historical experience to be reliable predictors of future
accidents. In New York, risks are grouped for rating purposes by classifications to assure that risks with
similar characteristics such as age, sex, marital status, territories, annual mileage, vehicle use –
pleasure/work (also see Chapter IX) and driving experience receive comparable pricing treatment. In this
way, the risk of incurring losses is spread among many policyholders who have similar characteristics.
There would be widespread unfair discrimination, which New York State law prohibits, in the absence of
such a sound classification system.

      You should notify your insurer of any changes while the policy is in force, such as a change of your
address or the addition or deletion of a vehicle or driver. An insurer, by law, must revise your premium if
it discovers certain information (e.g., that your vehicle is used for purposes other than those listed on your
application, other persons operating your vehicle, or surchargeable accidents or convictions) that affect
the rating exposures and/or characteristics.
                                                     15

     1. Age

     One of the most relevant classifications in auto insurance ratemaking is age because of its obvious
relation to losses. Consistently, young drivers are disproportionately represented in auto accidents in
relation to their percentage of the total driver population. If licensed less than three years at the start of
the policy period, the principal operator of a vehicle, regardless of age, will receive an inexperienced
operator surcharge.

     Drivers who are 25 years of age and over can generally obtain insurance at a considerably lower
cost than younger drivers.     Please be aware that most insurers will consider any member of your
household with a learner’s permit to be an insured operator of the vehicle for purposes of rating your
policy, as this represents an increased exposure.

     There are a varying number of different age classifications, within which premiums generally tend to
decrease as a person matures. However, some insurers’ statistics indicate that, beyond a certain age,
driving skills deteriorate. This causes the claims experience of senior citizens as a group to worsen,
causing various insurers to charge higher premiums for those higher-age categories. On the other hand,
many senior citizens may benefit from those insurers that vary their prices by the number of miles a car is
driven each year, since they may drive less than the average insured.

     2. Driving Record

     Your driving record is crucial in determining your premium and your insurability. Most companies
charge substantially more to insure drivers with a history of traffic violation convictions or chargeable
accidents than those who have relatively clean records.

     Many insurers will not insure a driver whose recent driving record is poor, even if that driver’s record
was clean in the past. The reasons for an insurer’s refusal to accept a risk varies with each company,
and a risk declined by one insurance company may be found acceptable by another.

     Basic premiums are calculated according to the loss
experience of the group classification to which you belong.          A
driver’s record of accidents or traffic convictions is also considered
in determining the final premium. To further classify policyholders,
auto insurance companies apply merit rating plans, which modify
the premiums being charged according to an individual’s driving
record. The resulting merit rating surcharge is used to properly
price the exposure the insurer is writing, and not as a means to
recoup payments previously made under a claim.

     Under many insurers’ rating plans, your first at-fault accident could result in a surcharge of up to
40% of your premium, and you could also lose a safe driver discount had you previously qualified for it.
Most insurers use a “point” system to assign surcharges for chargeable accidents and traffic violation
convictions to your policy. Although both are based on your driving record, this insurance point system is
separate and distinct from points against your driving license maintained by the New York State
Department of Motor Vehicles (DMV).
                                                         16

     Premium surcharges due to accidents or convictions are governed by the Insurance Law and
regulations, which allow surcharges to be applied during the experience period (typically three years) for
specified incidents, some of which are:
         •     accidents involving bodily injury or death, or losses to property in excess of $1,000,
               where the insured driver is at fault; or

         •     convictions for certain violations, including the following illustrations:
                   •   speeding more than 15 MPH over the legal limit;
                   •   driving while intoxicated or impaired by alcohol or drugs;
                   •   operating a vehicle while attempting to avoid apprehension by a law
                       enforcement officer;
                   •   leaving the scene of an accident without reporting it;
                   •   operating a vehicle in a race or speed test;
                   •   driving without a license or knowingly permitting an unlicensed
                       person to drive your vehicle; or
                   •   filing a false insurance claim.

     However, surcharges are specifically not permitted if, for example:
         •     your vehicle was struck in the rear, without a moving violation conviction against you;
         •     your vehicle was struck while it was legally parked;
         •     you as the insured or your insurer is reimbursed or obtains a judgment of 1/3 or more
               (on a property damage or physical damage claim);
         •     the driver of your car was not at fault (on a bodily injury claim or No-Fault claim) or
               was struck by a hit-and-run vehicle;
         •     the total damage caused by the accident is less than $1,000 and there were no
               injuries (however, having 2 or more accidents under $1,000 is usually subject to a
               surcharge);
         •     you have a single minor moving violation of the Vehicle & Traffic Law other than
               those specifically set forth in the Insurance Law (some of which are listed above);
         •     the accident occurred while the insured was driving an employer’s vehicle in the
               course of business (this also includes police officers, firefighters and peace officers
               while on duty in their official vehicles, or while driving any vehicle in an emergency
               situation); or
         •     claims are made under comprehensive or towing coverages.

     In general, no policy can be surcharged to a level where the premium exceeds more than three
times the base premium for the highest rated vehicle covered by that policy (without the surcharge).
Please note that surcharges only apply to the premiums for liability, No-Fault, and collision coverages.

     Your insurer must notify you of the exact dollar amount of any surcharges (and discounts) being
applied to your policy as well as the dates of any accidents or convictions on which those surcharges are
based.       This information must be on, or attached to, your policy declarations page, which contains key
identifying information about you and your policy. The insurer must also include information with your
policy regarding circumstances under which surcharges must be refunded. Among these are:
                                                        17

        •     when it is subsequently established that the accident for which a surcharge was
              applied falls under one of the exceptions enumerated in the insurer’s merit plan;
        •     if the conviction for a chargeable violation or traffic infraction is ultimately reversed;
        •     if a surcharge was levied through mistake, misinformation or other error; or
        •     the insurer has established a claim file, but no claim was submitted for a period of
              three years after the date of the incident or the statute of limitations has run and no
              suit has been filed.

     3. Credit Information

     Over the past several years, insurers have also used consumer credit information, along with other
information to decide whether to issue you a private passenger auto policy and how to price it.

     Under New York law, insurers that use credit information must adhere to the following consumer
safeguards:

        •     If an insurer uses credit information in rating or underwriting a policy, they must send
              you a notice disclosing this fact, including the name of the credit reporting agency.

        •     If your premium is higher than it would be if you had a “better” credit score, you will
              receive a notice advising you of this fact. The notice will include an explanation of
              credit-related factors that affected your score.

        •     If there is an error in your credit report, you should contact the credit reporting
              agency to correct the report, and then inform your insurer or agent of the correction,
              as it may affect your premium and entitle you to a refund.

        •     Your insurer must review your current credit information at least once every 3 years,
              upon your request, unless it reviews updated credit information more frequently (e.g.
              annually) as part of their renewal process. When the company reviews the updated
              credit information, if your credit information has improved, you may be entitled to a
              lower premium, and the company must make any necessary adjustments at such
              time.

        •     Your company may not terminate your policy or increase your renewal premium
              based on credit information.
                                                     18




               VII. IMPORTANCE OF HIGHWAY SAFETY & SAFE DRIVING


        Most consumers are not aware, until it is too late, of the serious consequences of unsafe driving
and traffic violations, whether in terms of highway hazards or insurance consequences. Violation-free
safe driving is your surest protection and the best way to keep your insurance costs down. Observing the
rules of the road, including wearing seat belts, using a hands-free cell phone, remaining within the speed
limit, and not drinking & driving, are the best means to ensure getting to your destination safely and
keeping your insurance costs down.




                     VIII. HOW TO SAVE MONEY ON AUTO INSURANCE


     When you receive your insurance policy, it’s a good idea to check that
the information used to determine your premium is correct. An auto insurer
is required by law to provide specific rating information pages with your
policy that explain how your policy is rated, what the classification codes
mean, as well as how its surcharge system works. You should also check
the information in your policy against these pages, and verify that:

        •   your mailing and/or place of garaging address is correct;

        •   each vehicle is properly classified;

        •   all discounts to which you are entitled have been applied;

        •   the make and model of your vehicle(s) are correct;

        •   the age/birthdate(s) of the driver(s) are correct; and

        •   the dates of any chargeable accident(s) and conviction(s) identified are correct.

     As an insurance shopper, you should check with your insurance company or agent or broker about
possible discounts that may be applicable to you, such as those for senior citizens, car pools, low annual
mileage and the “good student discount” offered to youthful operators meeting certain academic
requirements. You can also save money with a “multi-car discount” by insuring all your cars with the
same insurance company. Since rates are generally highest for youthful drivers, young drivers should
inquire about a “driver training” discount offered by many insurers for those who have taken driver’s
education classes.
                                               19



Discounts are generally available in the following situations:

  •   You may reduce your premium by taking a Department of Motor Vehicles-approved
      accident prevention course in a classroom setting or via the internet. Your auto
      insurer is required to provide you with a listing of all sponsors of these courses with
      your policy or billing statement.    The Department of Motor Vehicles maintains a
      current listing of approved sponsors that offer classroom courses and/or internet
      courses on its website at http://www.nydmv.state.ny.us. Auto insurers must apply a
      discount to the liability, collision and No-Fault coverages of your auto insurance
      policy for three years, if the principal operator of a vehicle has completed a qualified
      accident prevention course. In addition, taking this course entitles you to up to a
      four-point reduction of accumulated points from your driver’s license.         You may
      contact your local Department of Motor Vehicles office for more details about how
      this benefits your driving record.

  •   If your car is equipped with automatic seat belts or air bags, you qualify for a discount
      on your premiums for No-Fault and medical payments coverages.                All private
      passenger automobiles that are model year 1990 or later are required by federal law
      to be equipped with at least one of these devices.

  •   If your car is equipped with factory installed anti-lock braking system (ABS), you are
      entitled to a discount on the premiums for your liability, collision, No-Fault and
      medical payments coverages.

  •   Several anti-theft devices qualify for a reduction on the comprehensive portion of the
      auto insurance premium.         Eligible devices are generally alarm systems or
      permanently installed devices that prevent a car from being started. In addition,
      discounts are available for cars equipped with certain electronic-tracking devices, or
      in which the window glass (windshield, door glass, rear window, and sun/moon roof
      or T-Top) has been etched with the Vehicle Identification Number (VIN) or other
      identifying symbol qualifying under the law.

  •   If your car is equipped with factory installed daytime running lamps (DRL), you are
      entitled to a discount on the premium for your liability, collision, No-Fault and medical
      payments coverages.

  •   Some insurers also give a discount for vehicles participating in a Combat Auto Theft
      (CAT) Program, in which vehicles displaying an official decal may be stopped,
      without other cause, by law enforcement officers if operated between 1 a.m. and 5
      a.m., the prime vehicle theft period. This program is available in many areas of New
      York State, and requires the participation of the local police department. You may
      contact your local police precinct and your insurer to see if you are eligible for this
      program.
                                                      20

        •   Many insurers give a “Careful Driver” or comparable discount for drivers who have
            been without a major incident (e.g., accident or conviction) for a certain period of
            time.

        •   Many insurers offer a “Multi-Policy” or “Account” discount, which reduces your
            premiums on both auto and homeowners coverages when purchased from the same
            insurer.

        •   Some insurers specifically give discounts for senior citizens or retirees, based on the
            fact that they are generally on the road less frequently than younger drivers.

        •   You may reduce your auto insurance costs by raising the deductibles (see page 8)
            on physical damage (collision and comprehensive) coverages or by eliminating these
            coverages on older vehicles. Review the amount of the deductibles you now carry
            on these coverages to determine whether it makes sense for you to absorb a larger
            portion of your loss in the event of an accident, in return for a lower premium charge.
            Your insurer is required to furnish you with information about how much you may
            save by adjusting deductibles.

     Since the actual amount of these discounts may vary among insurers, ask your insurance company,
agent or broker about any discounts that may apply to you. Most likely, you already get information about
these discounts with your policy or billing statements. In addition, as stated previously, the dollar amount
savings of any discounts required by law must be stated on the declarations page, or attachment thereto,
of your policy. A summary of discounts commonly used by the insurers whose automobile rates appear
in this Guide is shown in Appendix II.

     Consumers can also save money by informing the insurer of any new conditions that may affect the
nature of the insurance exposure, such as when a young driver in your family leaves home, or if a young
driver goes to college more than 100 miles away and does not take the car.                Most importantly,
maintaining a good driving record will save you more by allowing you to qualify for the best rate.

      As this Guide illustrates, your final auto insurance premium is based on many separate factors that
are unique to each driver and may vary among insurance companies. At the end of this Guide you will
find an "Automobile Insurance Checklist" which you can detach and keep handy when you shop for
coverage. You'll be able to list the coverage limits and deductibles that you want in your policy and make
sure that you've received all the discounts you’re entitled to.



                IX.     RATING BASIS FOR PHYSICAL DAMAGE COVERAGES


     Premiums charged for physical damage coverages (collision and comprehensive) are based on the
estimated cost of future claims for damage to, or loss of, the vehicle. Accordingly, higher-priced cars
generally cost more to insure. In addition, repair cost, theft record, and the nature of damage a particular
vehicle may incur in a crash impact the cost of insuring a particular vehicle. For example, vehicle A,
                                                      21

which might be more expensive than vehicle B, may cost less to insure if it has a record of exhibiting less
severe damage in crashes, or if it is stolen less frequently, when compared to vehicle B.

      All new vehicles sold in New York State must have a “bumper-quality” sticker, specifying the
maximum speed at which the vehicle would sustain no body damage and only minimal damage to the
bumper and attachment hardware. This information can be useful, as vehicle damageability is a key
factor in determining insurance costs.

      Insurability will be higher, and physical damage insurance premiums will be lower, if your car has a
good physical damage rating, relative to other makes and models. This rating reflects a car’s strength
and safety characteristics as well as its reparability and auto theft record.

      Illustrations of the relative cost of insuring certain vehicles are set forth on the following page.
Please be aware that this is only a sample listing and that these physical damage ratings are subject to
change periodically. In any case, you may wish to check with your insurance representative for an
insurance cost quote on a particular vehicle before purchasing one.
                                                    22

                         2009 Model Vehicles - ISO* Symbols 6-27

Higher symbol numbers reflect greater claim cost and, therefore, higher premiums


                         2009 Symbol Number & Vehicle Description
    6       Ford Escape XLS 4-Door Utility 4x2 2.5L/4-cyl

    7       Saturn Fortwo Pure/Fortwo Passion 2-Door Hatchback 1.0L/3-cyl
    7       Jeep Wrangler Unlimited X 4-Door Utility 4x2 3.8L/6-cyl

    8       Jeep Patriot Sport 4-Door Utility 4x2 2.4L/4-cyl
    8       Chrysler Town & Country LX 4-Door Wagon 4x2 3.3L/6-cyl
    8       Mercury Mariner 4-Door Utility 4x2 3.0L/6-cyl
    8       Ford Escape XLT 4-Door Utility 4x2 3.0L/6-cyl
    8       Nissan Xterra X/S/SE 4-Door Utility 4x2 4.0L/6-cyl
    8       Dodge Grand Caravan C/V 4-Door Van 4x2 3.3L/6-cyl

   10       Toyota Highlander Base/ Sport/Limited 4-Door Utility 4x2 3.5L/6 cyl
   10       Subaru Outback 2.5 I 4-Door Utility 4x4 2.5L/4-cyl
   10       Ford Escape Limited 4-Door Utility 4x2 3.0L/6-cyl
   10       GMC Sierra 1500 Regular Cab 2-Door Pickup 4x2 4.8L/8 cyl
   10       Nissan Pathfinder S/SE/LE 4-Door Utility 4x2 4.0L/6-cyl
   10       Honda CR-V Ex 4-Door Utility 4x2 2.4L/4-cyl
   10       Mercury Mariner 4-Door Utility 4x2 3.0 L/6-cyl

   11       Chevrolet Colorado Regular CAB 2-Door Pickup 4x2 3.7L/5-cyl
   11       Toyota Highlander Base/Sport/Limited 4-Door Utility 4x4 3.5L/6-cyl
   11       Subaru Equator Extended Cab 2-Door Pickup 4x2 2.5L/4 cyl

   12       Chevrolet Silverado 1500 Regular Cab 2-Door Pickup 4x4 4.8L/8-cyl
   12       Mazda B2300 Base/B2300 SE 2-Door Pickup 4x2 2.3L/4-cyl
   12       Volkswagen Routan 4-Door Wagon 4x2 3.8L/6-cyl
   12       Honda Odyssey EX 4-Door Wagon 4x2 3.5L/6-cyl
   12       Honda Civic DX 4-Door Sedan 1.8L/4-cyl
   12       Mercury Mountaineer AWD 4-Door Utility 4x4 4.6L/8-cyl

   13       Ford Taurus X Limited 4-Door Wagon 4x2 3.5L/6 cyl
   13       Honda Civic LX 4-Door Sedan 1.8L/4-cyl
   13       Hyundai Santa FE SE / Santa FE Limited 4 Door Utility 4x2 3.3 L/ 6-cyl
   13       Mitsubishi Outlander ES 4-Door Utility 4x2 2.4L/4-cyl
   13       Chevrolet Impala LT 4-Door Sedan 3.9L/6-cyl

   14       Mazda CX-7 4-Door Utility 2.3L/4-cyl
   14       Lincoln Town Car Executive 4-Door Sedan 4.6L/8-cyl
   14       Toyota Prius Base 4-Door Hatchback1.5L/4-cyl

   15       Toyota Corolla Base/S/LE/XLE 4-Door Sedan 1.8L/4-cyl
   15       Volkswagen New Beetle 2-Door Convertible 2.5L/5-cyl
   15       Dodge Durango Limited 4-Door Utility 4x2 4.7L/8-cyl
   15       Nissan Frontier King Cab 4-Door Pickup 4x4 4.0L/6-cyl
                                                      23


                           2009 Model Vehicles - ISO* Symbols 6-27

Higher symbol numbers reflect greater claim cost and, therefore, higher premiums


                            2009 Symbol Number & Vehicle Description
    16       Toyota Rav4 Limited 4-Door Utility 4x4 3.5L/6-cyl
    16       Honda Accord EX 4-Door Sedan 3.5L//6-cyl
    16       Pontiac Solstice GXP 2-Door Convertible 2.0L/4-cyl
    16       Kia Borrego LX/EX 4-Door Utility 4x2 3.8L/6-cyl
    16       Lincoln Town Car Signature L 4-Door Sedan 4.6L/8-cyl
    16       Acura MDX AWD 4-Door Utility 4x4 3.7L/6-cyl
    16       Mercury Milan AWD 4-Door Sedan 3.0L/6-cyl

    17       Mini Cooper 2-Door Convertible 1.6L/4-cyl
    17       Saturn Astra XR 2-Door Hatchback 1.8L/4-cyl
    17       Nissan Armada SE/LE 4-Door Utility 4x2 5.6L/8-cyl
    17       Audi A3 2.0T Quattro/A32.0T Quattro S-Line 4-Door Sedan 2.0L/4-cyl
    17       Mitsubishi Galant ES 4-Door Sedan 2.4L/4-cyl

    18       Chrysler 300 Touring 4-Door Sedan 3.5L/6-cyl
    18       Hyundai Accent SE 2-Door Hatchbach 1.6L/4 cyl

    19       Pontiac G5 2-Door Coupe 2.2L/4-cyl
    19       Chevrolet Corvette 2-Door Convertible 6.2L/8-cyl
    19       BMW 328XI AWD 4-Door Sedan 3.0L/6-cyl

    20       Infiniti G35 AWD 4-Door Sedan 3.5L/6-cyl
    20       Audi A-4 2.0T Quattro 4-Door Sedan 2.0L/4 cyl

    21       Lexus IS 250 AWD 4-Door Sedan 2.5L/6-cyl

    22       Acura TL AWD 4-Door Sedan 3.7L/6-cyl

    23       Land Rover Range Rover Sport HSE AWD 4-Door Utility 4x4 4.4L/8-cyl

    24       Porsche 911 Carrera Base/911 Carrera 4 2-Door Coupe 3.6L/6-cyl

    25       Cadillac STS-V 4-Door Sedan 4.4L/8-cyl

    26       BMW 650I 2-Door Coupe 4.8L/8-cyl

    27       Mercedes-Benz SL550 2-Door Convertible 5.5L/8-cyl



* ISO is the Insurance Services Office, Inc.
                                                      24



                                X. DIFFICULT-TO-INSURE VEHICLES


      When most people buy a new car, they look for attractive features and often think about safety. In
buying or leasing new cars, consumers may not consider the vehicle’s insurability, but they definitely
should. Will the car be easily insurable? How much will auto insurance cost?

      The following table lists vehicles which a number of insurers have indicated their unwillingness to
insure voluntarily, or their willingness to insure only under certain strict conditions or for certain types of
operators. This difficult-to-insure list does not apply to all insurers for every vehicle shown, but generally
encompasses data provided by many of the leading writers of private passenger auto insurance in New
York State.

      For each vehicle shown, there are a significant number of insurers that do not wish to write the
particular vehicle, due to unfavorable loss experience, high cost or limited availability of replacement
parts, or high theft records.

      Only vehicles manufactured over the past ten years or so are listed. An exhaustive list of all cars
ever manufactured would not be practical and is beyond the scope of this Guide. As such, the cars
shown in this list are intended to be “common usage” vehicles, and readers should take into account that
similar models may be produced under different names by the same manufacturer. Exotic, high-priced,
and limited edition vehicles, such as Rolls Royce, Excalibur, Bentley or Sterling are not included in this
list, due to the fact that very few insurers will underwrite such vehicles due to the high replacement and
repair costs associated with these vehicles and the fact that there are relatively few of them on the road.

      In addition, some insurers will provide liability coverage for the operators of these vehicles, but not
physical damage coverage. Some insurers also indicate that they will write physical damage coverage
on these vehicles, but only if the deductible purchased is over a certain amount (e.g., $1,000). Moreover,
several insurers will only insure a vehicle that is within a certain age range, such as under ten years old.
Insurers are prohibited however, from nonrenewing a liability policy solely on the basis of the age of the
vehicle. Other insurers have no finite limitation on the age of vehicles they will consider insuring.

      Check with your insurance company, agent or broker about vehicle insurability, and the cost of
insurance, before buying or leasing a car. In the event you cannot find coverage for a vehicle in the
voluntary market, coverage can be obtained through the Auto Plan. However, the cost will be higher and
physical damage coverage through the Auto Plan is limited and is based on the actual cash value of the
car up to $50,000.
                                                  25

                      DIFFICULT-TO-INSURE AUTOMOBILES


MANUFACTURER          MODEL OR CLASS                   MANUFACTURER              MODEL OR CLASS
Acura             Legend GS, Legend L, Legend          Jeep (AMC Chrysler)   Scrambler, Willie, Wrangler,
                  LS, NSX, NSX-T                                             CJ Series, DJ-5
Aston Martin      All Models                           Lamborghini           All Models
Austin Healy      All Models                           Landrover             All models –See Range Rover
AM General        Hummer                               Lexus                 SC300, SC400, SC430
Audi              5000, Some Quattro Models            Lincoln               Mark VII B, Mark VII LSC,
                                                                             Mark VIII
Avanti            All Models
                                                       Lotus                 All Models
Bently            All Models
                                                       Maserati              All Models
Bricklin          All Models
                                                       Maybach               All Models
BMW               CS Series, “L” Series, “M”
                  Series, 21, Z1 Roadster              Mazda                 Miata, Some MX Models, RX-7
Buick             Reatta, Regal GMX, Regal             Mercedes-Benz         Some models-esp. Roadsters
                  Grand National, Regal GS,
                                                       Mercury               Some Capri Models, Cougar
Cadillac          Allante, Deville Convertible,                              XR-7,
                  Eldorado Models, Fleetwood
                                                       Merkur                Scorpio
                  Limousine
                                                       Mitsubishi            Some 3000 Models, Some
Chevrolet         Berlinetta, Camaro IROC-Z,
                                                                             Eclipse Models, Starion
                  Camaro RS, Camaro Z-28,
                                                                             Ralliart, EVO-RS
                  Cavalier Z24, Caprice LS,
                  Corvette, El Camino, Impala          Nissan (Datsun)       Roadster Models, Pulsar,
                  SS (396/427)( pre-1994),                                   NX2000, 200SX/240SX, Z
                  Lumina Z34, Monte Carlo SS,                                Models, ZX Models, 300ZX
                  Nova SS (350/396)(pre-1994)
                                                       Oldsmobile            Achieva w/HO Quad 4 Engine,
Chrysler          Conquest & Conquest TSI,                                   442(400), Cutlass Calais Quad
                  Crossfire, Laser, TC                                       4
Daewoo            All Models                           Peugeot               Some models
DeLorean          All Models                           Plymouth              Conquest, Laser, Prowler
Dodge             Challenger, Charger, Colt GTS        Pontiac               Fiero Models, Firebird Models,
                  Turbo, Conquest, Some                                      Trans-Am, Grand Am GT, LE,
                  Daytona Models-esp. Turbos &                               SE, High Output Models,
                  IROC-Z, Shelby Models, Spirit                              Grand Prix GT/G TP, SE,
                  R/T, Sprinter Vans, Stealth,                               GTO, Sunbird GT, Sunbird SE
                  Viper
                                                       Porsche               All models
Eagle             Vision TSI, Talon, Talon TSI
                                                       Range Rover           County, Defender
Ferrari           All Models
                                                       Renault               Alliance, GTA, Fuego
Fiat              Bertone, Pininfarina, Spider
                                                       Rolls Royce           All Models
                  Models, X1/9 Models
                                                       SAAB                  Turbos
Ford              EXP Lightning, Cobra GT LX
                  5.0, Some Mustang Models,            Subaru                Brat, Some XT Models, SVX,
                  Some Probe models-esp. GT,                                 WRT-STi
                  Shelby Models, Sierra Models,        Suzuki                Samurai, Sidekick
                  Taurus SHO, Thunderbird
                  Sport Models, SC, Torino GT          Toyota                Celica GT, Celica Supra,
                  (390)                                                      Landcruiser (2-Dr Hardtop),
                                                                             MR2
Geo (Chevrolet)   Metro XF1, Prizm GS1, Storm,
                  Storm GS1                            Triump                TR3,4,5,6,7 8
GMC               Cyclone, Typhoon                     Volkswagen            Corrado, Phaeton, GTI,
                                                                             Scirocco 16v,
Honda             Civic Del Sol SI & VT, CRX &
                  CRX Si, Prelude SI & VT,             Volvo                 850 R, 850 Turbo
                  VTEC
Isuzu             Amigo, Impulse Models                Yugo                  All models

Jaguar            Some models-esp. XJ-S
                  Models
                                                     26


                                 XI. WHAT ABOUT TERMINATION?

A. Cancellation

     Mid-term cancellation is not permitted after a new policy is in force for 60 days, or anytime during a
renewal policy, except for such limited reasons as revocation or suspension of a driver’s license of any
person insured under your policy, non-payment of premium, or discovery of fraud or material
misrepresentation. Mid-term cancellations, when permitted, may only be made when a notice is sent at
least 20 days prior to its effective date, or 15 days prior if non-payment of premium is the ground for
cancellation.

     Any cancellation notice must state the reason(s) for such termination. In addition, the law requires
any cancellation notice for nonpayment of premium to clearly state the amount due. A senior citizen can
elect to have the auto insurer send a copy of any termination notice to a designated party acting on behalf
of the senior citizen. If your driver’s license is suspended or revoked, or if you fail to pay your premium
when due, your insurer is permitted to cancel your policy mid-term or refuse to renew it. Keep in mind
that if you are convicted of driving while intoxicated or impaired through the use of alcohol or drugs (DWI
or DWAI), in addition to a minimum $500 fine, the Department of Motor Vehicles will also revoke or
suspend your driver’s license.

     If you cancel an auto policy before its expiration date, some insurers will calculate the amount of
your premium to be refunded on a “short-rate” basis. This means that the insurer will retain a greater
portion of the premium than on a “pro-rata” basis which is equivalent to what proportionally represents the
expired part of the premium or “earned premium”. This additional cost, on average, is approximately 10%
of the unexpired portion of the premium. However, this difference may be greater if the policy is canceled
towards the earlier portion of the policy period. This practice permits insurance companies to cover the
cost of their administrative expenses on policies that do not run their full term. Alternatively, rather than
using the short-rate basis, some insurers now charge a flat cancellation fee in addition to the pro-rata
amount. As noted earlier, this extra charge does not apply if you cancel an Auto Plan policy in order to
transfer your coverage to an insurer in the voluntary market. It also does not apply if the insured vehicle
was declared a total loss, or if the insured person is entering the U.S. Armed Forces.

     If a member of the military is called to active duty, they may designate an adult third party to receive
bills and other notices related to their insurance coverage. They may also have the option of suspending
coverage without any penalties. However, applicable conditions for suspension need to be complied
with, such as surrender of registration and plates to the Department of Motor Vehicles.

B. Nonrenewal

     At the end of each one-year period, the auto insurer must renew your policy for another year, unless
it gives at least 45 to 60 days advance written notice prior to the expiration date of its intention not to
renew your policy. The notice must specify the reason(s) for the nonrenewal of the policy.
                                                       27

      Insurers may neither refuse to renew an auto insurance policy nor require the completion of a
medical questionnaire solely due to an insured having reached 60 years of age.

      In the event that your insurer terminates its contract with your agent or broker, the insurer must
continue your policy for the remaining part of the required policy period and cannot automatically non-
renew your policy. In most cases, if you request, the company must continue your policy through the
terminated agent or broker for the next three one-year policy periods. However, your continued renewal
with the company is dependent on other factors, as mentioned elsewhere, independent of your insurer’s
contractual arrangement with your agent or broker.




                       XII. FILING CLAIMS UNDER YOUR OWN POLICY



A. Reporting an Accident

      If you are involved in an auto accident, you should promptly report it to your insurance company, as
well as to the local police department. If the amount of damage caused in the accident is over $1,000, or
if anyone sustains any injury, you must file an accident report with the Department of Motor Vehicles.
This form, MV-104, will usually be included with any claim forms sent to you by your insurer.

      The insurance policy is probably the most purchased yet least read contract in existence. It is
extremely important that you read your policy to determine exactly what reporting requirements are
included, so that you may meet them and reduce any difficulty in the handling of your claim. Some
people do not realize what is and is not covered by their policy until it is too late.


B. Filing a No-Fault Claim

      In the event you are injured in a motor vehicle accident, you should file a written notice of claim with
the No-Fault insurer setting forth details sufficient to identify the injured person(s), along with reasonably
obtainable information regarding the time, place and circumstances of the accident, as soon as
reasonably practicable, but in no event more than 30 calendar days after the date of the accident, unless
you can submit written proof providing clear and reasonable justification for late filing.   Generally, if the
accident took place in New York State, you should file your No-Fault claim with the insurer of the vehicle
you were in when the accident occurred or, if you were a pedestrian, with the insurer of the vehicle that
struck you. If the accident was outside of New York State, and you were in a vehicle other than your
own, file your claim with your own insurance company. If you were injured in a motor vehicle accident
while you were a passenger on a bus your no-fault benefits would be provided by your automobile policy
or the automobile policy of a member of your household. If you or a member of your household does not
have automobile insurance then the insurer of the bus would provide your no-fault benefits.

      If you (or a relative with whom you live) do not have an auto insurance policy, and are injured by or
while in an uninsured vehicle, or by a hit-and-run driver, you should file your claim for No-Fault benefits
                                                       28

with MVAIC (as discussed in Chapter II under “Uninsured Motorists Coverage”). It is important that the
accident be reported to the proper authority within 24 hours.

     Within five business days after the insurer (or MVAIC) receives this notice of claim, they are
required to send you an Application for Benefits and a letter explaining the No-Fault coverage available
and your rights and obligations. Once you receive the Application for Benefits form, complete and return
it as soon as possible.

     If you need medical treatment, you: (1) can pay the doctor or hospital directly and submit your
receipts or bills to the insurer for reimbursement; or (2) may be able to assign your benefits to the doctor
or hospital and have them submit their bills directly to the No-Fault insurer for direct payment, or (3) can
permit the health care provider to bill the No-Fault insurer directly by providing them with a “direction to
pay” for claims occurring on or after March 1, 2002.

     No-Fault benefits are paid in accordance with prescribed fee schedules, which the health care
provider is required by law to accept as full payment. It is important that you make clear to the health
care provider that you are being treated for injuries related to an auto accident.           Unless additional
verification is requested, the insurer is required to make payment within 30 days of receipt of your
physician’s and hospital’s treatment report, or your employer’s report of earnings you have lost .

     If the insurer fails to make a timely payment of a No-Fault claim, it must pay 2% interest per month
on the unpaid amounts and any reasonable attorney’s fees (in accordance with Insurance Department
regulations) you have incurred in order to collect your overdue No-Fault benefits.

     If all or part of your No-Fault benefits are denied or paid late, you may: (1) file a complaint with the
Insurance Department, as detailed later in this Guide; (2) request No-Fault arbitration; or (3) bring an
action in court. No-Fault arbitration can be requested if the insurer denies your claim in whole or part,
fails to make a timely payment of benefits owed, or fails to inform you in a timely manner if your claim has
been denied.

     The No-Fault arbitration process is designed to resolve disputes as swiftly as possible. The results
of arbitration are final and binding on all parties (unless appealed under certain strict circumstances). For
a detailed description of how to file a request for No-Fault arbitration see Chapter XIII.


C. Filing a Physical Damage Claim

     If your car is damaged or stolen and you have auto collision or comprehensive insurance coverage,
you have the right to a prompt and fair settlement from your insurance company, either for the amount of
the damages or the actual cash value of the car, whichever is lower.              If your car is stolen and
subsequently recovered, your insurer must pay for the damage done to the car while it was missing, the
cost of towing, any reasonable storage charges, and substitute transportation expenses.

     The Insurance Department’s Regulation 64 is designed to assure a prompt and fair settlement from
your insurance company. This regulation provides the guidelines and time limits within which an insurer
must handle any claims you make, under auto collision and comprehensive insurance, and with property
damage liability claims you make against another driver.
                                                     29

     Under these regulatory standards, in responding to a claim made under the comprehensive or
collision coverages of your policy, your auto insurer must do the following:

        •   inspect the damaged vehicle and make a good faith offer within six business days
            after receiving notification of the loss, provided that your car is available for
            inspection. A good faith offer is one that can be backed up with the name of a
            Department of Motor Vehicles-registered repair shop that will perform the repairs at
            the insurer’s offer;

        •   promptly give you or your authorized representative a detailed written estimate of the
            cost of repairs;

        •   upon your request, identify a conveniently located auto repair shop that will repair
            your car at the insurance company’s estimated cost of repair and give you a written
            guarantee, backed by your insurer, of the work performed; however, you retain the
            right, pursuant to the Insurance Law, to choose which shop will repair your damaged
            vehicle;

        •   pay the actual cash value (retail value plus sales tax), which is subject to
            depreciation and applicable deductions, if your car is a total loss because it was
            stolen or damaged beyond repair, or replace it with a substantially similar car, in
            accordance with governing regulatory standards;

        •   make payment within five (5) business days after you and the insurer have agreed
            upon a settlement;

        •   furnish you with a written explanation of the reasons for delay if your claim has not
            been settled within 30 days after the date you notified the insurer of the loss.

     If your car is stolen, most insurers will reimburse you for your car rental expenses up to the amount
stated in the policy. Some auto insurers issue a policy with “optional rental car reimbursement coverage”,
which also pays for such expenses when your car cannot be operated during a covered collision or
comprehensive loss, other than theft.

     With respect to collision and other physical damage claims, your insurance company is required to
obtain from you and your auto body repair shop a “Certification of Automobile Repairs” form, in order to
determine the extent to which your damaged car has been repaired. If you fail to submit this form, your
loss settlement on a subsequent loss may be reduced. In addition, in the case of a loss that included a
deployed or stolen airbag, such airbag is required to be replaced. (The insurer has the right to verify that
the airbag was deployed or stolen and to take possession of a deployed airbag.)
                                                        30


                       XIII. IF YOU HAVE A COMPLAINT OR INQUIRY


A. Complaints and General Inquiries

     The New York State Insurance Department licenses
insurance companies, brokers, agents, and adjusters to operate in
this State. If you feel that one of these licensees has failed to act
in accordance with your contract or New York Insurance Law and
Regulation, we urge you to contact us in writing, setting forth the
nature of your complaint.     You may do this by mailing in the
Consumer Services Bureau complaint form found in the back of
this Guide. The Department also has a Web site that contains a
great deal of information on automobile insurance, in addition to other topics of interest to consumers.
Visit the Department’s website at www.ins.state.ny.us, click on the box titled “Consumers” and follow the
instructions under the topic “How to File a Complaint or Make an Inquiry Using Our Online Form.” You
can then submit your complaint or inquiry electronically or if you prefer, simply download the form, fill it
out and mail it to one of the addresses listed below.

     Our Consumer Services Bureau investigates complaints by policyholders and claimants against
their insurance companies, brokers, agents or adjusters regarding claims, cancellations, and other issues
regarding auto insurance and other types of insurance. You may write or visit the Consumer Services
Bureau at any of the following offices of the New York State Insurance Department:


               One Commerce Plaza                                           25 Beaver Street
             Albany, New York 12257                                             5th Floor
                                                                    New York, New York 10004


          Walter Mahoney Office Building                                 163 Mineola Boulevard
                  65 Court Street                                       Mineola, New York 11501
             Buffalo, New York 14202


     For general information and complaints regarding auto insurance rates, discounts, surcharges,
coverage, premium verification, claims (other than No-Fault), cancellations or non-renewals, or if you
wish to complain about an insurance broker, agent or adjuster, call our Consumer Services Bureau:
                       New York City           212-480-6400
                       Albany                  518-474-6600
                       Buffalo                 716-847-7618
                       Mineola                 516-248-5886
                       All Other Areas         1-800-342-3736
                                                       31

      The Consumer Services Bureau employs a team of specially trained Agency Services
Representatives to answer phone calls about the range of New York insurance issues. They can be
reached Monday through Friday, 9:00 a.m. to 5:00 p.m. If they cannot provide you with the necessary
information, they will advise you to file a written inquiry or complaint with the Consumer Services Bureau.


B. No-Fault Issues or Claims, Complaints and Arbitration Requests


      For No-Fault issues or claims, call the Insurance Department at 212-480-5662.


      If you submit a No-Fault claim to an insurance company and the insurer does not respond to your
submission within 30 days of their receipt, or if the insurer issues a formal denial of claim form (NF-10)
your options are as follows:


             •   You may file a written complaint with the Consumer Services Bureau of the Insurance
                 Department, or
             •   You may file for No-Fault arbitration, or
             •   You may take the insurer to court.


        If you choose to file a complaint, you may use the Consumer Service Bureau complaint form at
the back of this Guide. There is no fee required to file a complaint.


        To file for No-Fault arbitration:


        If an insurer issues a denial of claim form (NF-10) applicable to any individual element of a No-
Fault claim and you wish to arbitrate the basis of that denial, complete and sign both the affirmation and
the grid on the back of the denial, itemize all bills in dispute (including the name of medical provider,
amount of bill in dispute, and the date bill was mailed to insurer) and attach copies of all bills listed. If lost
wages are also at issue, complete the section of the grid applicable to lost wages. If a medical provider
files for arbitration as an assignee of the injured party, that provider should also include a copy of the
assignment of benefits form with the injured party’s signature.


        If you are not in receipt of a denial of claim form, you can file for arbitration by fully completing
and submitting an Arbitration Request Form (AAA Form AR) to the American Arbitration Association
(AAA). Complete and sign the back of the AAA Form AR as outlined above (for an NF-10), and attach all
applicable documentation. An AAA Form AR form is available at the back of this Guide and may also be
downloaded from the AAA’s website at www.adr.org.
                                                     32

        Whichever method you use to initiate the arbitration process, your filing must also include a
$40.00 filing fee made payable to the American Arbitration Association. Mail your completed No-Fault
arbitration request to:




                                     American Arbitration Association
                              New York Insurance Case Management Center
                                               65 Broadway
                                        New York, New York 10006


        If you prevail in No-Fault arbitration or settle your dispute during the arbitration process, you
should not have any difficulty in collecting from the insurer. You should contact the Claims Administration
Unit of the Insurance Department in writing or by phone at 212-480-5662 if there is a problem.


        Additional information on No-Fault arbitration can be obtained from the American Arbitration
Association’s website at www.adr.org or by calling (800) 778-7879.



                                      XIV. WHAT ABOUT FRAUD?


      It is estimated that more than a quarter or as much as one-third of all auto insurance claims contain
some element of fraud, resulting in higher insurance premiums. Under the Insurance Law, licensees of
the Insurance Department (i.e., insurers, agents, brokers, adjusters) are required to report any suspected
fraudulent acts to the Department’s Insurance Frauds Bureau.               Through an investigative and
administrative process, the Insurance Department can fine any person involved in the fraud up to $5,000,
plus the value of the fraudulent claim, in addition to any criminal penalties that a court may impose.

      If you have reason to believe that there has been an insurance fraud, you are encouraged to report
it to the Insurance Frauds Bureau at 1-888-FRAUDNY (1-888-372-8369) or by mail to:



                                       Insurance Frauds Bureau
                                  New York State Insurance Department
                                           25 Beaver Street
                                    New York, New York 10004-2319

      You may also visit the Department Web site (www.ins.state.ny.us) for more information on the
impact of insurance fraud on the premiums you pay. The Web site contains instructions on how to report
fraud to the Department by downloading the Suspected Fraud Report Form and lists the addresses and
telephone numbers of the Insurance Department Frauds Bureau offices located throughout the state.
                                                    33




                   XV. BUYING AUTO INSURANCE ON THE INTERNET


        Although the Internet currently accounts for a relatively small percentage of total insurance sales,
its influence in the marketplace is growing rapidly. Quoting agents are actively marketing their services to
consumers via a growing number of Web sites. Quoting agents provide sample automobile insurance
rates to Internet users who respond to various online questions. In addition, many insurance companies
and traditional agents and brokers have their own Web sites providing pricing, service information and,
sometimes, the means to complete an auto insurance purchase. Insurers with representative rates from
Appendix I that provide rate quotes for a private passenger automobile policy on their Web sites are
shown in the Notes to Rate Tables. The Insurance Department’s Web site also has a general listing of the
web sites for regulated insurance companies.

        The World Wide Web provides a constantly changing and expanding marketplace. If you are
shopping online for automobile insurance, you should consider the following:

        •   Automobile insurance is a fairly sophisticated product. Before making purchases
            online, you should be aware of the types of products and coverages available in New
            York State. This annual Consumer Guide to Automobile Insurance and other such
            publications can help enhance your understanding of the market.

        •   You also need to know the types and limits of coverage you want to purchase. Do
            you want collision? comprehensive? Do you want the minimum liability limits required
            by law or higher limits to protect your assets in the event others are injured as a
            result of your negligence? Do you want or need any additional coverages?

        •   If you intend to purchase auto insurance on the Web, make sure the insurer you are
            dealing with is licensed to sell insurance in New York State. Just because an insurer
            has a Web site doesn’t make it a licensed insurer. If you are unsure of the licensing
            status of an insurer on the Web, check the Directory of Regulated Companies on the
            Insurance Department’s Web site. In addition, you should only be dealing with
            licensed agents and brokers on the Web. If you are unsure whether an agent is
            licensed in New York, call or e-mail the agent and request his or her New York
            license number.

        •   In seeking your rate quote, you will be presented with a series of questions regarding
            your driving history, your vehicles, and other relevant characteristics. Make sure you
            answer these questions fully and accurately. For example, if you’re unsure whether
            you had an accident or violation within the past three years, take the time to check.

        •   Have the declarations page of your current policy by your side as you respond and
            know the make, model, year and vehicle identification number (VIN) for each of your
            vehicles.
                                                     34

        •   Generally, a price quote from an insurer on the Internet will be the same as one
            received by mail, fax, or phone. However, some insurers are nowoffering discounts
            for business transacted strictly over the Internet.

        •   Shop service as well as price. Savvy insurance consumers know that sometimes the
            lowest price insurer isn’t the best buy if an insurer is not responsive once claims
            arise. The Insurance Department’s Automobile Insurance Complaint Ranking, also
            available on the Department’s Web site, is one source to help you assess an
            insurer’s claims-handling practices.

        •   Remember, when you are applying for or purchasing insurance you are transmitting
            key financial and personal data to an insurer or agent. Make sure the Web site you
            are using is secure. Many Web sites will include their privacy and security policy on
            the site itself. For example, a Web site may be encrypting (coding) your private
            information to make it unreadable to third parties. The Web site will describe that
            process. In addition, you can activate your Web browser to notify you when you are
            entering or leaving a secure mode.

        Once you have followed the above guidelines and obtained your quotes, you should be ready to
make meaningful comparisons among insurers.

        Over the next few years, Internet sales are expected to grow as competition intensifies in the
electronic marketplace. New York State consumers should be aware that the Web can be a convenient
means of comparing prices and/or purchasing automobile insurance, but that it is not necessarily the best
means for every consumer. Whether you use the Web or not, it pays to shop for auto insurance. For more
information about factors to consider when shopping for auto insurance, please see Chapter XVI (Auto
Insurance Prices in New York).
                                                      35


                       XVI. AUTO INSURANCE PRICES IN NEW YORK

A. Auto Insurance Companies Listed

      This section contains information and price comparisons to help you shop for auto insurance. It
contains sample prices from among the 25 leading auto insurers licensed in New York State, and from
the ten best performing companies in the 2008 annual complaint ranking compiled by the Insurance
Department. The tables that follow list representative rates charged by a total of 32 auto insurance
companies, plus Auto Plan rates.


B. Types of Coverages Listed

      The comparative premium tables displayed in this Guide reflect the rates for private passenger auto
liability, No-Fault and physical damage (comprehensive and collision) coverages in selected territories for
the selected insurers. The rates shown are for owners or operators who have been licensed and have
not had accidents or traffic violations for the past three years.

      The Appendix I prices represent annual premium charges for these auto coverages (described in
Chapters II and III of this Guide):

      1. Required Coverages:

            A. Bodily Injury Liability—at $25,000/$50,000 limits, including
              $50,000/$100,000 limits in the event of death;
            B. Uninsured Motorists Coverage (in New York State only)—at $25,000/$50,000 limits,
               including $50,000/$100,000 limits in the event of death;
            C. Property Damage Liability—at a $10,000 limit; and
            D. Basic No-Fault—to a maximum of $50,000.


      2. Optional Coverages:

            A. Comprehensive—for a 2009 model car (moderately priced), with a
              $200 deductible;
            B. Collision—for a 2009 model car (moderately priced), with a $200
               deductible;
            C. Bodily Injury Liability plus SUM —the additional cost of raising mandatory
               BI & UM minimum limits to $100,000/$300,000; SUM also provides out-of-state
               coverage;
            D. Property Damage Liability—the additional cost of raising this
              coverage from the minimum $10,000 level to a $50,000 limit; and
            E. Additional No-Fault—the additional cost of raising basic benefits
              to a maximum of $100,000 and providing out-of-state coverage.
                                                      36




C. Rating Territories

         The place where you park and how much you drive your car also affects the cost of your insurance.
Although the general concept of insurance is to spread the risk of losses among a large number of
people, premiums are adjusted for smaller sub-groups of risks in certain areas, such as counties, that will
have more similar experience statistically than that of all the policyholders in a larger area, such as a
state.     Because of its size and diversity, most insurers divide New York State into over 70 rating
territories.

         In highly congested urban areas, where there is a greater likelihood of auto insurance losses, rates
tend to be higher than for suburban and rural areas. For example, rates for comprehensive coverage are
higher in urban areas due to the higher rates of auto theft in these areas. Increasing costs of payments
made under auto insurance claims, including the costs of liability suits, medical expenses and legal fees,
as well as the incidence of fraud, also contribute to premium costs.

         Price comparisons for selected territories are shown in this Guide.         Detailed descriptions of
territories can be found in Appendix III, although some insurers utilize different territorial classifications.
The territories selected include New York’s most populated areas plus representative cross-sections of
suburban and rural areas in this State.


D. Type of Car

         As discussed previously, the cost of your auto physical damage insurance (collision and
comprehensive) varies widely, depending on the make and model of your car. The comparative physical
damage prices shown in Appendix I are for a moderately priced, symbol 10, 2009 model car (see Chapter
IX for examples of symbol 10 vehicles).

         As discussed in Chapter IX, insurance premiums will generally be higher for cars that have higher
purchase prices or repair costs. Cars that are less expensive or easier to repair will usually cost less to
insure in contrast to vehicles of similar cost and age with poorer repair records.

         When shopping for a new or used car, it is best to check with your insurance professional to verify
the cost of insuring the particular vehicle you are considering purchasing.


E. Differences in Rates Among Insurers

         There is active competition among auto insurers in New York State. As the tables that follow show,
rates can vary considerably among insurers. The differences in rates are based, among other factors, on
the specific experience of the particular group of insureds a company insures.

         Therefore, it is always a good idea to obtain quotes from several insurers. Consumers who shop
get better value for their insurance dollar than those who do not. Many of the companies listed are part of
groups that include several affiliated companies under common management. You may be quoted a
                                                     37

premium that is higher or lower than the one shown in the table. Ask the agent or broker to specify the
name of the company that will issue your policy. (See Appendix IV for the group names of which a listed
company is a member.)


F. Don’t Shop By Price Alone

     Price is only one of many factors to consider in selecting an insurance company.             The price
comparisons listed in this Guide are useful, but keep a number of key considerations in mind:

        •   Consider insurance company claim practices, reliability, the services provided by agents,
            brokers or insurance companies, and the particular coverages the company offers to meet
            your individual needs.

        •   The premiums shown in the tables are those charged on July 1, 2009, for new
            policyholders. Although the underlying costs of auto insurance -- such as medical costs,
            wages and the cost of auto replacement parts -- are likely to rise with inflation, the tables
            will tend to reflect relative price relationships among these insurers over time.

        •   The rates for Bodily Injury and Property Damage Liability, No-Fault, and Collision
            coverages reflect a discount for a vehicle equipped with anti-lock brakes.          If you are
            insuring a vehicle without anti-lock brakes, your premiums for these coverages will be
            approximately 5% higher.

        •   The rates for No-Fault coverages include a discount for a passive restraint device, since
            any vehicle model year 1990 or later, manufactured for sale in the U.S. must be equipped
            with either an automatic seatbelt or an airbag. If you are insuring an older vehicle without
            an automatic seatbelt or an airbag, your No-Fault premiums will be higher.

        •   The tables do not list all insurers that are licensed to do business in this State. Many other
            licensed insurance companies write auto insurance with services comparable to those
            companies listed.

                Appendix IV of this Guide lists telephone numbers for all insurers whose rates are
                listed here, as well as for those included in the Insurance Department’s 2008 complaint
                ranking (with noted exceptions).

                A directory of all insurers licensed in New York State is available on the New York
                State Insurance Department Web site at http://www.ins.state.ny.us.

        •   The premiums do not reflect dividends that some mutual insurers may pay to policyholders.

        •   Some insurers do not use classifications identical to those presented in this Guide, while
            others may offer only combined single limit policies, or policies with limits varying from
            those presented here (see footnotes to rates).

        •   Most insurers have merit rating plans (discussed in Chapter VI) charging higher premiums
            to drivers who are involved in accidents or convicted for certain traffic violations, such as
                                           38

    speeding. The low rates of some insurers, after surcharging for an accident, may not be
    such a good deal.

•   Many insurers permit the premium to be paid in installments. If you choose this option you
    should be aware that a fee may be charged for this service. In addition, insurers may
    charge fees for late payment or checks returned for insufficient funds.    Such a “bounced
    check” fee may not be greater than $20.

•   The existence of fraudulent insurance claims has an overall impact on premiums. There is
    a $10 annual Motor Vehicle Law Enforcement fee ($5 for a six-month policy) added to your
    auto insurance premium for each registered vehicle you insure. The purpose of these fees
    is to provide additional funds to combat auto theft and fraud in New York State.
                                          APPENDIX I


                     AUTO INSURANCE PRICE COMPARISON TABLES

                                        IN NEW YORK STATE

                                          as of July 1, 2009



                PAGE REFERENCES FOR SELECTED TERRITORIES
                       Territory                 Territory                    Page
                        Number                  Description                 Number
                           03                Bronx Suburban
                           01                  Bronx Urban
                           17           Brooklyn (Kings County)
                           20             Hempstead Township
                           18                   Manhattan
                           64                   Middletown
                           94             Mt. Vernon & Yonkers
                           32                    Newburgh
                           55               Queens Suburban
                           19                 Queens Urban
                           68                    Rockland

                           05            Staten Island (Richmond
                                                  County)
                           75              Suffolk County West




Note:      The price information contained in this Guide is primarily intended for comparative purposes
between insurers at one point in time, July 1, 2009, and to illustrate the variance of rates available in the
marketplace. These comparisons are not intended to serve as a comparison of rate increases/decreases
from one year to the next, since factors and criteria used for the rate examples as well as individual
insurers' underlying rating structures may change.
                                                                        TERRITORY 01 - BRONX URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    3,987             951                   3,297                     917                         45               50
ADIRONDACK INS EXCH                     1             4,416             646                   4,744                   1,308                         64               74
ALLMERICA FINANCIAL ALLIANCE INS CO     1             6,726            1,344                  4,088                   1,570                         62               12
ALLSTATE PROP & CAS INS CO             1,7            1,989             494                   2,054                     655                          6               12
AMICA MUT INS CO                       1,7            2,979            1,355                  3,925                     904                         60               13
CHUBB IND CO                            2             6,050             933                   4,947                   1,710 See Note 2                               44
COUNTRYWIDE INS CO                      1             2,443             914                   2,138                     677                         48               10
ELECTRIC INS CO                         7             3,082            2,179                  3,958                     673                         38               50
ERIE INS CO                            1,7            3,046            2,628                  3,947                     476                        104               16
ESURANCE INS CO                        1,7            5,818            1,758                10,162                      602                         80               72
EVEREADY INS CO                                       3,260             549                   2,434                     712                         40               22
GEICO GENERAL INS CO                   1,7            2,633             305                   2,228                     600                         19               25
GEICO IND CO                           1,7            3,002             296                   1,527                     593                         48               39
GOVERNMENT EMPLOYEES INS CO            1,7            2,633             305                   2,228                     600                         19               25
GREAT NORTHERN INS CO                   2             6,808             765                   5,039                   1,979 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             3,920             896                   3,496                     604                         52               12
LIBERTY MUT FIRE INS CO               1,2,7           3,197             834                   3,482                     651 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,928             782                   2,128                     538                         40               13
METROPOLITAN CAS INS CO                1,7            6,119            3,368                  5,999                     995                        154               35
METROPOLITAN GRP PROP & CAS INS CO     1,7            5,390            1,044                  4,868                     510                        100               26
NATIONWIDE INS CO OF AMER              1,7            4,291             677                   1,984                   1,216                         33               29
NEW SOUTH INS CO                        1             3,649            1,388                  3,468                     914                         67               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            2,094            1,831                  2,876                     610                         75               82
PEERLESS INS CO                         1             3,455            1,651                  2,399                     359                         83               10
PROGRESSIVE ADVANCED INS CO            1,7            2,894             555                   2,479                     895                         87               32
PROGRESSIVE CASUALTY INS CO            1,7            3,235             619                   2,581                   1,147                         97               35
SENTINEL INS CO                       1,3,7           4,824             635                   4,364                     142 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           4,938             521                   3,218                     947 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           4,234             496                   2,759                     810 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,951             512                   2,199                   1,028                         27               61
UNITED SERVICES AUTO ASSOC            1,5,7           1,456             614                   1,519                     341                         36               12
USAA CASUALTY INS CO                  1,5,7           1,020            1,634                  1,995                     264                         26                7
UTICA NATL INS CO OF TEXAS              1             3,424            1,425                  2,721                   1,084                         73               25
                                                                        TERRITORY 01 - BRONX URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    2,557             951                   2,252                     604                         29               50
ADIRONDACK INS EXCH                     1             4,184             472                   3,060                   1,192                         58               80
ALLMERICA FINANCIAL ALLIANCE INS CO     1             5,492             886                   2,616                   1,206                         46               12
ALLSTATE PROP & CAS INS CO             1,7            1,997             368                   1,500                     553                          4               12
AMICA MUT INS CO                       1,7            2,115             781                   2,763                     647                         41               13
CHUBB IND CO                            2             4,647             779                   3,776                   1,307 See Note 2                               44
COUNTRYWIDE INS CO                      1             1,162             914                     950                     335                         22               10
ELECTRIC INS CO                         7             1,731            1,232                  2,196                     404                         21               28
ERIE INS CO                            1,7            1,446            1,697                  1,867                     273                         50               16
ESURANCE INS CO                        1,7            5,208            1,136                  6,412                     432                         58               78
EVEREADY INS CO                                       2,120             549                   1,644                     483                         25               22
GEICO GENERAL INS CO                   1,7            1,805             249                   1,474                     426                         12               25
GEICO IND CO                           1,7            2,508             262                   1,183                     506                         40               39
GOVERNMENT EMPLOYEES INS CO            1,7            1,805             249                   1,474                     426                         12               25
GREAT NORTHERN INS CO                   2             5,221             640                   3,846                   1,512 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             1,992             454                   1,772                     348                         26               12
LIBERTY MUT FIRE INS CO               1,2,7           2,140             487                   2,298                     448 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,698             544                   1,378                     408                         30               13
METROPOLITAN CAS INS CO                1,7            4,727            2,423                  4,599                     780                        119               21
METROPOLITAN GRP PROP & CAS INS CO     1,7            3,524             850                   3,154                     350                         64               18
NATIONWIDE INS CO OF AMER              1,7            3,887             464                   1,510                     959                         25               29
NEW SOUTH INS CO                        1             3,467             957                   2,287                     737                         53               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,819            1,661                  2,433                     521                         64               82
PEERLESS INS CO                         1             2,547             983                   1,761                     280                         64               10
PROGRESSIVE ADVANCED INS CO            1,7            2,561             413                   1,987                     731                         79               32
PROGRESSIVE CASUALTY INS CO            1,7            2,833             471                   2,079                     930                         89               35
SENTINEL INS CO                       1,3,7           4,742             477                   3,632                     130 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           4,062             392                   2,646                     792 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           3,484             373                   2,268                     677 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,863             391                   2,099                     945                         24               67
UNITED SERVICES AUTO ASSOC            1,5,7            844              316                     863                     204                         19               12
USAA CASUALTY INS CO                  1,5,7            601              826                   1,130                     168                         15                7
UTICA NATL INS CO OF TEXAS              1             2,690             817                   2,132                     862                         58               25
                                                                        TERRITORY 01 - BRONX URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,272             951                   1,787                     541                        25               50
ADIRONDACK INS EXCH                     1             1,164             158                     696                     292                        12               24
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,240             646                   1,212                     716                        22               12
ALLSTATE PROP & CAS INS CO             1,7            1,165             218                     586                     381                         6                9
AMICA MUT INS CO                       1,7            1,032             857                   1,311                     255                        19               13
CHUBB IND CO                            2             3,272             717                   2,628                     913 See Note 2                              44
COUNTRYWIDE INS CO                      1             1,276             914                   1,045                     365                        25               10
ELECTRIC INS CO                         7             1,187            1,171                  1,484                     294                        14               19
ERIE INS CO                            1,7             932             1,085                  1,199                     207                        32               16
ESURANCE INS CO                        1,7            3,626             878                   2,996                     106                        26               66
EVEREADY INS CO                                       2,171             549                   1,353                     494                        26               22
GEICO GENERAL INS CO                   1,7             787              104                     617                     184                         5               25
GEICO IND CO                           1,7            1,685             228                     764                     360                        27               39
GOVERNMENT EMPLOYEES INS CO            1,7             787              104                     617                     184                         5               25
GREAT NORTHERN INS CO                   2             3,667             591                   2,676                   1,054 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,242             316                   1,102                     250                        16               12
LIBERTY MUT FIRE INS CO               1,2,7           1,706             470                   1,810                     364 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,144             352                     866                     240                        16               13
METROPOLITAN CAS INS CO                1,7            2,332            1,145                  2,212                     408                        56               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,250             624                   1,986                     240                        38               10
NATIONWIDE INS CO OF AMER              1,7            1,880             361                     665                     498                        10               29
NEW SOUTH INS CO                        1             1,757             564                   1,030                     349                        24               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,500            1,420                  1,524                     386                        46               82
PEERLESS INS CO                         1             1,556             948                   1,065                     193                        36               10
PROGRESSIVE ADVANCED INS CO            1,7             857              177                     530                     206                        19               32
PROGRESSIVE CASUALTY INS CO            1,7             910              225                     591                     252                        21               35
SENTINEL INS CO                       1,3,7           1,951             276                   1,185                       95 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           2,352             265                   1,529                     489 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           2,018             252                   1,311                     417 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            843              215                     501                     253                         5               21
UNITED SERVICES AUTO ASSOC            1,5,7            676              290                     685                     167                        16               12
USAA CASUALTY INS CO                  1,5,7            488              755                     894                     141                        11                7
UTICA NATL INS CO OF TEXAS              1             1,232             802                     955                     409                        25               25
                                                                        TERRITORY 01 - BRONX URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,272             951                   1,787                     541                        25               50
ADIRONDACK INS EXCH                     1             1,180             142                     734                     296                        12               24
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,014             536                   1,238                     690                        22               12
ALLSTATE PROP & CAS INS CO             1,7            1,165             218                     586                     381                         6                9
AMICA MUT INS CO                       1,7            1,032             743                   1,311                     257                        19               13
CHUBB IND CO                            2             3,272             717                   2,628                     913 See Note 2                              44
COUNTRYWIDE INS CO                      1             1,276             914                   1,045                     365                        25               10
ELECTRIC INS CO                         7             1,216            1,064                  1,524                     301                        15               19
ERIE INS CO                            1,7             932             1,085                  1,199                     207                        32               16
ESURANCE INS CO                        1,7            3,266             812                   2,996                     106                        28               56
EVEREADY INS CO                                       2,171             549                   1,353                     494                        26               22
GEICO GENERAL INS CO                   1,7             787              104                     617                     184                         5               25
GEICO IND CO                           1,7            1,603             228                     725                     346                        25               39
GOVERNMENT EMPLOYEES INS CO            1,7             787              104                     617                     184                         5               25
GREAT NORTHERN INS CO                   2             3,667             591                   2,676                   1,054 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,242             316                   1,102                     250                        16               12
LIBERTY MUT FIRE INS CO               1,2,7           1,706             470                   1,810                     364 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,180             318                     794                     238                        16               13
METROPOLITAN CAS INS CO                1,7            2,332            1,145                  2,212                     408                        56               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,250             624                   1,986                     240                        38               10
NATIONWIDE INS CO OF AMER              1,7            2,086             328                     665                     498                        10               29
NEW SOUTH INS CO                        1             1,694             487                   1,002                     328                        22               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,500            1,420                  1,524                     386                        46               82
PEERLESS INS CO                         1             1,556             863                   1,065                     193                        46               10
PROGRESSIVE ADVANCED INS CO            1,7             911              181                     582                     225                        20               32
PROGRESSIVE CASUALTY INS CO            1,7             971              229                     644                     279                        22               35
SENTINEL INS CO                       1,3,7           1,953             246                   1,226                       93 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           2,352             265                   1,529                     489 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           2,018             252                   1,311                     417 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            876              202                     512                     255                         6               23
UNITED SERVICES AUTO ASSOC            1,5,7            676              290                     685                     167                        16               12
USAA CASUALTY INS CO                  1,5,7            488              755                     894                     141                        11                7
UTICA NATL INS CO OF TEXAS              1             1,232             802                     955                     409                        25               25
                                                                        TERRITORY 01 - BRONX URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,054             951                   1,697                     494                        23               50
ADIRONDACK INS EXCH                     1             1,272             120                     708                     330                        14               24
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,396             408                   1,134                     818                        26               10
ALLSTATE PROP & CAS INS CO             1,7            1,253             154                     522                     447                         2                9
AMICA MUT INS CO                       1,7             947              513                   1,194                     242                        18               13
CHUBB IND CO                            2             2,584             532                   2,053                     717 See Note 2                              44
COUNTRYWIDE INS CO                      1             1,162             914                     950                     335                        22               10
ELECTRIC INS CO                         7             1,007             730                   1,253                     259                        12               16
ERIE INS CO                            1,7             958             1,101                  1,230                     208                        32               16
ESURANCE INS CO                        1,7            3,182             718                   3,260                     206                        34               48
EVEREADY INS CO                                       1,902             549                   1,283                     440                        23               22
GEICO GENERAL INS CO                   1,7             661                82                    536                     165                         4               25
GEICO IND CO                           1,7            1,685             228                     764                     360                        27               39
GOVERNMENT EMPLOYEES INS CO            1,7             661                82                    536                     165                         4               25
GREAT NORTHERN INS CO                   2             2,891             440                   2,091                     824 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,242             302                   1,102                     250                        16               12
LIBERTY MUT FIRE INS CO               1,2,7           1,354             391                   1,415                     297 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,216             228                     828                     306                        22               13
METROPOLITAN CAS INS CO                1,7            1,907            1,034                  1,783                     341                        49                9
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,560             458                   1,352                     182                        26                8
NATIONWIDE INS CO OF AMER              1,7            1,973             280                     706                     520                        11               29
NEW SOUTH INS CO                        1             1,872             356                   1,068                     453                        32               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,396            1,065                  1,508                     382                        44               82
PEERLESS INS CO                         1             1,576             682                   1,078                     196                        36               10
PROGRESSIVE ADVANCED INS CO            1,7             862              133                     555                     220                        21               32
PROGRESSIVE CASUALTY INS CO            1,7             919              179                     617                     271                        23               35
SENTINEL INS CO                       1,3,7           1,951             152                   1,328                       89 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           2,068             221                   1,343                     438 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,774             211                   1,151                     374 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,111             163                     699                     337                         9               26
UNITED SERVICES AUTO ASSOC            1,5,7            537              186                     536                     136                        12               12
USAA CASUALTY INS CO                  1,5,7            392              474                     698                     119                         9                7
UTICA NATL INS CO OF TEXAS              1             1,032             458                     793                     348                        21               25
                                                                        TERRITORY 01 - BRONX URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                          RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,054             951                   1,697                     494                        23               50
ADIRONDACK INS EXCH                     1             1,342               78                    718                     364                        18               22
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,762             224                   1,182                     746                        24               12
ALLSTATE PROP & CAS INS CO             1,7            1,253             154                     522                     447                         2                9
AMICA MUT INS CO                       1,7             947              513                   1,194                     242                        18               13
CHUBB IND CO                            2             2,584             532                   2,053                     717 See Note 2                              44
COUNTRYWIDE INS CO                      1             1,162             914                     950                     335                        22               10
ELECTRIC INS CO                         7             1,007             730                   1,253                     259                        12               16
ERIE INS CO                            1,7             958             1,101                  1,230                     208                        32               16
ESURANCE INS CO                        1,7            2,792             406                   2,856                     200                        30               38
EVEREADY INS CO                                       1,902             549                   1,283                     440                        23               22
GEICO GENERAL INS CO                   1,7             661                82                    536                     165                         4               25
GEICO IND CO                           1,7            1,685             228                     764                     360                        27               39
GOVERNMENT EMPLOYEES INS CO            1,7             661                82                    536                     165                         4               25
GREAT NORTHERN INS CO                   2             2,891             440                   2,091                     824 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,242             302                   1,102                     250                        16               12
LIBERTY MUT FIRE INS CO               1,2,7           1,354             391                   1,415                     297 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,060             148                     650                     300                        20               13
METROPOLITAN CAS INS CO                1,7            1,907            1,034                  1,783                     341                        49                9
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,560             458                   1,352                     182                        26                8
NATIONWIDE INS CO OF AMER              1,7            1,718             218                     624                     476                        10               29
NEW SOUTH INS CO                        1             1,626             235                     928                     410                        28               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,396            1,065                  1,508                     382                        44               82
PEERLESS INS CO                         1             1,576             682                   1,078                     196                        44               10
PROGRESSIVE ADVANCED INS CO            1,7             793              114                     489                     206                        20               32
PROGRESSIVE CASUALTY INS CO            1,7             842              159                     549                     253                        22               35
SENTINEL INS CO                       1,3,7           1,811             124                   1,347                       87 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           2,068             221                   1,343                     438 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,774             211                   1,151                     374 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,121             137                     763                     357                        10               23
UNITED SERVICES AUTO ASSOC            1,5,7            537              186                     536                     136                        12               12
USAA CASUALTY INS CO                  1,5,7            392              474                     698                     119                         9                7
UTICA NATL INS CO OF TEXAS              1             1,032             458                     793                     348                        21               25
                                                                   TERRITORY 03 - BRONX SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    3,299             785                   2,856                     704                         47               50
ADIRONDACK INS EXCH                     1             3,790             644                   4,594                   1,074                         66               60
ALLMERICA FINANCIAL ALLIANCE INS CO     1             5,834            1,256                  4,386                   1,326                         82               12
ALLSTATE PROP & CAS INS CO             1,7            1,341             498                   1,862                     385                          8               12
AMICA MUT INS CO                       1,7            2,288            1,603                  4,041                     700                         47               13
CHUBB IND CO                            2             2,713             796                   2,798                     743 See Note 2                               44
COUNTRYWIDE INS CO                      1             1,684             860                   1,639                     470                         35               10
ELECTRIC INS CO                         7             2,293            2,225                  3,947                     504                         37               49
ERIE INS CO                            1,7            2,796            2,738                  3,293                     416                        104               16
ESURANCE INS CO                        1,7            4,936            1,200                  7,064                     518                        102               72
EVEREADY INS CO                                       2,865             474                   2,156                     633                         41               22
GEICO GENERAL INS CO                   1,7            1,802             342                   1,646                     409                         19               25
GEICO IND CO                           1,7            2,659             298                   1,507                     464                         47               39
GOVERNMENT EMPLOYEES INS CO            1,7            1,802             342                   1,646                     409                         19               25
GREAT NORTHERN INS CO                   2             2,981             665                   2,845                     844 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             3,692             836                   3,050                     546                         46               12
LIBERTY MUT FIRE INS CO               1,2,7           2,864             700                   2,554                     565 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,928             782                   2,128                     538                         40               13
METROPOLITAN CAS INS CO                1,7            4,436            1,126                  3,320                     672                         99               31
METROPOLITAN GRP PROP & CAS INS CO     1,7            4,584             820                   3,568                     398                         78               24
NATIONWIDE INS CO OF AMER              1,7            4,291             677                   1,984                   1,216                         33               29
NEW SOUTH INS CO                        1             3,447            1,163                  3,244                     799                         69               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,742            1,889                  2,545                     513                         79               51
PEERLESS INS CO                         1             2,973            1,725                  2,359                     315                         75               10
PROGRESSIVE ADVANCED INS CO            1,7            2,642             533                   2,411                     877                         93               32
PROGRESSIVE CASUALTY INS CO            1,7            2,967             596                   2,512                   1,124                        103               35
SENTINEL INS CO                       1,3,7           3,960             665                   4,595                     132 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           3,626             346                   2,271                     737 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           3,110             329                   1,947                     629 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,858             249                   1,677                     483                         22               87
UNITED SERVICES AUTO ASSOC            1,5,7           1,473             608                   1,428                     337                         35               12
USAA CASUALTY INS CO                  1,5,7           1,026            1,620                  1,876                     262                         26                7
UTICA NATL INS CO OF TEXAS              1             2,397            1,721                  2,707                     840                         51               25
                                                                   TERRITORY 03 - BRONX SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,122             785                   1,951                     469                        30               50
ADIRONDACK INS EXCH                     1             3,592             470                   2,966                     982                        58               64
ALLMERICA FINANCIAL ALLIANCE INS CO     1             4,708             826                   2,802                   1,026                        62               10
ALLSTATE PROP & CAS INS CO             1,7            1,317             374                   1,366                     333                         2               12
AMICA MUT INS CO                       1,7            1,629             923                   2,844                     503                        33               13
CHUBB IND CO                            2             2,117             665                   2,147                     574 See Note 2                              44
COUNTRYWIDE INS CO                      1              977              860                     889                     283                        19               10
ELECTRIC INS CO                         7             1,295            1,257                  2,191                     310                        21               27
ERIE INS CO                            1,7            1,328            1,768                  1,557                     243                        51               16
ESURANCE INS CO                        1,7            4,280             776                   4,456                     372                        72               78
EVEREADY INS CO                                       1,865             474                   1,455                     432                        27               22
GEICO GENERAL INS CO                   1,7            1,240             280                   1,092                     293                        12               25
GEICO IND CO                           1,7            2,222             264                   1,168                     397                        39               39
GOVERNMENT EMPLOYEES INS CO            1,7            1,240             280                   1,092                     293                        12               25
GREAT NORTHERN INS CO                   2             2,321             557                   2,181                     651 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,876             424                   1,546                     320                        24               12
LIBERTY MUT FIRE INS CO               1,2,7           1,923             410                   1,687                     391 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,698             544                   1,378                     408                        30               13
METROPOLITAN CAS INS CO                1,7            3,432             814                   2,548                     534                        76               26
METROPOLITAN GRP PROP & CAS INS CO     1,7            3,002             668                   2,314                     274                        52               14
NATIONWIDE INS CO OF AMER              1,7            3,887             464                   1,510                     959                        25               29
NEW SOUTH INS CO                        1             3,308             804                   2,140                     648                        54               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,508            1,714                  2,154                     439                        67               51
PEERLESS INS CO                         1             2,193            1,027                  1,731                     248                        67               10
PROGRESSIVE ADVANCED INS CO            1,7            2,333             396                   1,933                     718                        85               32
PROGRESSIVE CASUALTY INS CO            1,7            2,592             453                   2,024                     912                        95               35
SENTINEL INS CO                       1,3,7           3,819             499                   3,824                     121 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,984             260                   1,868                     619 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           2,559             248                   1,601                     529 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,828             191                   1,601                     448                        20               96
UNITED SERVICES AUTO ASSOC            1,5,7            852              313                     813                     202                        19               12
USAA CASUALTY INS CO                  1,5,7            605              819                   1,063                     166                        14                7
UTICA NATL INS CO OF TEXAS              1             1,891             986                   2,121                     669                        39               25
                                                                   TERRITORY 03 - BRONX SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,887             785                   1,548                     422                        27               50
ADIRONDACK INS EXCH                     1             1,020             156                     670                     240                        12               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,742             604                   1,298                     632                        30               14
ALLSTATE PROP & CAS INS CO             1,7             779              222                     532                     233                         2                9
AMICA MUT INS CO                       1,7             806             1,013                  1,349                     188                        15               13
CHUBB IND CO                            2             1,532             613                   1,508                     410 See Note 2                              44
COUNTRYWIDE INS CO                      1             1,072             860                     978                     307                        21               10
ELECTRIC INS CO                         7              891             1,194                  1,481                     231                        14               18
ERIE INS CO                            1,7             858             1,130                  1,000                     188                        33               16
ESURANCE INS CO                        1,7            2,870             600                   2,082                       94                       34               66
EVEREADY INS CO                                       1,911             474                   1,199                     442                        27               22
GEICO GENERAL INS CO                   1,7             540              116                     458                     127                         5               25
GEICO IND CO                           1,7            1,494             229                     753                     286                        26               39
GOVERNMENT EMPLOYEES INS CO            1,7             540              116                     458                     127                         5               25
GREAT NORTHERN INS CO                   2             1,674             514                   1,531                     462 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,170             296                     960                     230                        14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,534             396                   1,330                     320 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,144             352                     866                     240                        16               13
METROPOLITAN CAS INS CO                1,7            1,725             397                   1,231                     288                        35               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,920             492                   1,460                     190                        32               10
NATIONWIDE INS CO OF AMER              1,7            1,880             361                     665                     498                        10               29
NEW SOUTH INS CO                        1             1,687             476                     966                     311                        24               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,205            1,465                  1,349                     322                        47               51
PEERLESS INS CO                         1             1,342             992                   1,047                     174                        34               10
PROGRESSIVE ADVANCED INS CO            1,7             772              170                     515                     202                        21               32
PROGRESSIVE CASUALTY INS CO            1,7             819              217                     576                     247                        23               35
SENTINEL INS CO                       1,3,7           1,605             289                   1,248                       92 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,730             176                   1,079                     388 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,484             167                     925                     332 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            571              107                     393                     129                         4               30
UNITED SERVICES AUTO ASSOC            1,5,7            683              287                     645                     166                        15               12
USAA CASUALTY INS CO                  1,5,7            491              749                     842                     139                        11                7
UTICA NATL INS CO OF TEXAS              1              878              967                     951                     324                        17               25
                                                                   TERRITORY 03 - BRONX SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,887             785                   1,548                     422                        27               50
ADIRONDACK INS EXCH                     1             1,032             140                     708                     246                        14               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,556             500                   1,328                     606                        28               12
ALLSTATE PROP & CAS INS CO             1,7             779              222                     532                     233                         2                9
AMICA MUT INS CO                       1,7             806              877                   1,349                     190                        15               13
CHUBB IND CO                            2             1,532             613                   1,508                     410 See Note 2                              44
COUNTRYWIDE INS CO                      1             1,072             860                     978                     307                        21               10
ELECTRIC INS CO                         7              915             1,087                  1,521                     235                        14               18
ERIE INS CO                            1,7             858             1,130                  1,000                     188                        33               16
ESURANCE INS CO                        1,7            2,626             554                   2,082                       94                       34               56
EVEREADY INS CO                                       1,911             474                   1,199                     442                        27               22
GEICO GENERAL INS CO                   1,7             540              116                     458                     127                         5               25
GEICO IND CO                           1,7            1,422             229                     716                     274                        25               25
GOVERNMENT EMPLOYEES INS CO            1,7             540              116                     458                     127                         5               25
GREAT NORTHERN INS CO                   2             1,674             514                   1,531                     462 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,170             296                     960                     230                        14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,534             396                   1,330                     320 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,180             318                     794                     238                        16               13
METROPOLITAN CAS INS CO                1,7            1,725             397                   1,231                     288                        35               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,920             492                   1,460                     190                        32               10
NATIONWIDE INS CO OF AMER              1,7            2,086             328                     665                     498                        10               29
NEW SOUTH INS CO                        1             1,628             413                     939                     294                        22               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,205            1,465                  1,349                     322                        47               51
PEERLESS INS CO                         1             1,342             902                   1,047                     174                        47               10
PROGRESSIVE ADVANCED INS CO            1,7             820              174                     566                     221                        22               32
PROGRESSIVE CASUALTY INS CO            1,7             875              221                     628                     273                        24               35
SENTINEL INS CO                       1,3,7           1,593             257                   1,291                       89 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,730             176                   1,079                     388 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,484             167                     925                     332 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            598              101                     401                     129                         4               33
UNITED SERVICES AUTO ASSOC            1,5,7            683              287                     645                     166                        15               12
USAA CASUALTY INS CO                  1,5,7            491              749                     842                     139                        11                7
UTICA NATL INS CO OF TEXAS              1              878              967                     951                     324                        17               25
                                                                   TERRITORY 03 - BRONX SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,708             785                   1,471                     386                        24               50
ADIRONDACK INS EXCH                     1             1,110             120                     688                     272                        16               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,912             384                   1,216                     712                        36               14
ALLSTATE PROP & CAS INS CO             1,7             835              156                     474                     269                         4                9
AMICA MUT INS CO                       1,7             740              605                   1,229                     183                        14               13
CHUBB IND CO                            2             1,240             457                   1,189                     327 See Note 2                              44
COUNTRYWIDE INS CO                      1              977              860                     889                     283                        19               10
ELECTRIC INS CO                         7              760              745                   1,249                     205                        11               16
ERIE INS CO                            1,7             879             1,146                  1,025                     191                        33               16
ESURANCE INS CO                        1,7            2,622             490                   2,266                     180                        40               48
EVEREADY INS CO                                       1,675             474                   1,138                     396                        22               22
GEICO GENERAL INS CO                   1,7             457                91                    398                     115                         4               25
GEICO IND CO                           1,7            1,494             229                     753                     286                        26               39
GOVERNMENT EMPLOYEES INS CO            1,7             457                91                    398                     115                         4               25
GREAT NORTHERN INS CO                   2             1,349             385                   1,206                     368 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,170             282                     960                     230                        14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,220             329                   1,041                     262 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,216             228                     828                     306                        22               13
METROPOLITAN CAS INS CO                1,7            1,424             360                     999                     251                        28                6
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,332             362                     996                     146                        22                6
NATIONWIDE INS CO OF AMER              1,7            1,973             280                     706                     520                        11               29
NEW SOUTH INS CO                        1             1,775             304                   1,001                     401                        33               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,137            1,099                  1,336                     320                        47               51
PEERLESS INS CO                         1             1,359             713                   1,061                     177                        35               10
PROGRESSIVE ADVANCED INS CO            1,7             782              128                     540                     216                        23               32
PROGRESSIVE CASUALTY INS CO            1,7             834              173                     602                     266                        25               35
SENTINEL INS CO                       1,3,7           1,616             159                   1,398                       86 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,520             147                     948                     350 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,305             140                     813                     298 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            741                82                    543                     167                         7               37
UNITED SERVICES AUTO ASSOC            1,5,7            542              184                     505                     135                        12               12
USAA CASUALTY INS CO                  1,5,7            395              470                     657                     118                         9                7
UTICA NATL INS CO OF TEXAS              1              738              552                     788                     279                        14               25
                                                                   TERRITORY 03 - BRONX SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                          RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,708             785                   1,471                     386                        24               50
ADIRONDACK INS EXCH                     1             1,166               78                    696                     302                        18               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,402             212                   1,268                     648                        30               12
ALLSTATE PROP & CAS INS CO             1,7             835              156                     474                     269                         4                9
AMICA MUT INS CO                       1,7             740              605                   1,229                     183                        14               13
CHUBB IND CO                            2             1,240             457                   1,189                     327 See Note 2                              44
COUNTRYWIDE INS CO                      1              977              860                     889                     283                        19               10
ELECTRIC INS CO                         7              760              745                   1,249                     205                        11               16
ERIE INS CO                            1,7             879             1,146                  1,025                     191                        33               16
ESURANCE INS CO                        1,7            2,338             276                   1,986                     174                        38               38
EVEREADY INS CO                                       1,675             474                   1,138                     396                        22               22
GEICO GENERAL INS CO                   1,7             457                91                    398                     115                         4               25
GEICO IND CO                           1,7            1,494             229                     753                     286                        26               39
GOVERNMENT EMPLOYEES INS CO            1,7             457                91                    398                     115                         4               25
GREAT NORTHERN INS CO                   2             1,349             385                   1,206                     368 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,170             282                     960                     230                        14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,220             329                   1,041                     262 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,060             148                     650                     300                        20               13
METROPOLITAN CAS INS CO                1,7            1,424             360                     999                     251                        28                6
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,332             362                     996                     146                        22                6
NATIONWIDE INS CO OF AMER              1,7            1,718             218                     624                     476                        10               29
NEW SOUTH INS CO                        1             1,542             202                     871                     363                        29               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,137            1,099                  1,336                     320                        47               51
PEERLESS INS CO                         1             1,359             713                   1,061                     177                        47               10
PROGRESSIVE ADVANCED INS CO            1,7             724              110                     475                     202                        21               32
PROGRESSIVE CASUALTY INS CO            1,7             768              154                     535                     248                        24               35
SENTINEL INS CO                       1,3,7           1,503             130                   1,418                       85 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,520             147                     948                     350 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,305             140                     813                     298 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            740                70                    590                     174                         8               33
UNITED SERVICES AUTO ASSOC            1,5,7            542              184                     505                     135                        12               12
USAA CASUALTY INS CO                  1,5,7            395              470                     657                     118                         9                7
UTICA NATL INS CO OF TEXAS              1              738              552                     788                     279                        14               25
                                                                       TERRITORY 05 - STATEN ISLAND
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    2,778            1,129                  3,414                     576                         56               50
ADIRONDACK INS EXCH                     1             3,412             470                   3,302                     946                         58               54
ALLMERICA FINANCIAL ALLIANCE INS CO     1             4,334             746                   2,370                     892                         78               14
ALLSTATE PROP & CAS INS CO             1,7            1,261             318                   1,624                     375                          4               12
AMICA MUT INS CO                       1,7            2,300            1,258                  3,136                     695                         44               13
CHUBB IND CO                            2             2,664             824                   2,073                     715 See Note 2                               44
COUNTRYWIDE INS CO                      1             1,931             430                   1,702                     493                         35               10
ELECTRIC INS CO                         7             2,672            2,052                  3,068                     586                         41               50
ERIE INS CO                            1,7            2,074            2,408                  2,463                     308                         71               16
ESURANCE INS CO                        1,7            4,904            1,094                  5,642                     466                        118               72
EVEREADY INS CO                                       2,465             473                   1,448                     563                         40               22
GEICO GENERAL INS CO                   1,7            1,694             281                   1,587                     327                         21               25
GEICO IND CO                           1,7            2,163             255                   1,226                     369                         14               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,694             281                   1,587                     327                         21               25
GREAT NORTHERN INS CO                   2             2,650             613                   1,868                     737 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             4,042             870                   2,498                     568                         48               12
LIBERTY MUT FIRE INS CO               1,2,7           2,495             567                   2,133                     432 See Note 2                               37
MERCURY CASUALTY CO                    1,7            2,016             782                   1,678                     534                         56               13
METROPOLITAN CAS INS CO                1,7            4,195            1,557                  3,115                     567                         85               33
METROPOLITAN GRP PROP & CAS INS CO     1,7            3,728             490                   2,718                     262                         82               24
NATIONWIDE INS CO OF AMER              1,7            3,215             764                   2,056                     983                         58               29
NEW SOUTH INS CO                        1             2,929            1,178                  2,608                     757                         64               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,074            1,305                  1,597                     275                         47               39
PEERLESS INS CO                         1             2,979            2,162                  2,636                     329                         70               10
PROGRESSIVE ADVANCED INS CO            1,7            2,627             438                   2,343                     987                        110               32
PROGRESSIVE CASUALTY INS CO            1,7            2,988             496                   2,442                   1,271                        123               35
SENTINEL INS CO                       1,3,7           3,189             489                   3,243                     110 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           3,171             215                   2,322                     681 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           2,719             205                   1,990                     583 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,808             352                   1,942                     954                         22               58
UNITED SERVICES AUTO ASSOC            1,5,7           1,414             491                   1,299                     339                         32               12
USAA CASUALTY INS CO                  1,5,7            988             1,301                  1,706                     266                         23                7
UTICA NATL INS CO OF TEXAS              1             1,796            1,142                  1,688                     626                         34               25
                                                                       TERRITORY 05 - STATEN ISLAND
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    1,792            1,129                  2,331                     388                         36               50
ADIRONDACK INS EXCH                     1             3,234             342                   2,130                     864                         54               60
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,534             496                   1,516                     696                         56               12
ALLSTATE PROP & CAS INS CO             1,7            1,283             238                   1,188                     325                          2               12
AMICA MUT INS CO                       1,7            1,635             725                   2,209                     501                         32               13
CHUBB IND CO                            2             2,079             689                   1,597                     553 See Note 2                               44
COUNTRYWIDE INS CO                      1              920              430                     757                     249                         16               10
ELECTRIC INS CO                         7             1,504            1,159                  1,705                     354                         24               27
ERIE INS CO                            1,7             988             1,554                  1,165                     193                         33               16
ESURANCE INS CO                        1,7            4,254             706                   3,560                     336                         84               78
EVEREADY INS CO                                       1,608             473                     978                     387                         27               22
GEICO GENERAL INS CO                   1,7            1,168             230                   1,053                     234                         14               25
GEICO IND CO                           1,7            1,775             225                     950                     317                         45               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,168             230                   1,053                     234                         14               25
GREAT NORTHERN INS CO                   2             2,070             514                   1,441                     570 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             2,054             442                   1,266                     330                         24               12
LIBERTY MUT FIRE INS CO               1,2,7           1,679             333                   1,411                     304 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,760             544                   1,090                     404                         40               13
METROPOLITAN CAS INS CO                1,7            3,249            1,124                  2,394                     446                         66               25
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,438             400                   1,764                     180                         52               18
NATIONWIDE INS CO OF AMER              1,7            2,742             522                   1,565                     783                         44               29
NEW SOUTH INS CO                        1             2,745             814                   1,724                     618                         50               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7             934             1,184                  1,352                     235                         39               39
PEERLESS INS CO                         1             2,196            1,287                  1,934                     258                         39               10
PROGRESSIVE ADVANCED INS CO            1,7            2,307             325                   1,878                     806                        100               32
PROGRESSIVE CASUALTY INS CO            1,7            2,596             379                   1,968                   1,029                        112               35
SENTINEL INS CO                       1,3,7           3,071             367                   2,699                     102 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           2,610             162                   1,909                     573 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           2,238             154                   1,637                     490 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,739             270                   1,853                     879                         21               64
UNITED SERVICES AUTO ASSOC            1,5,7            819              254                     740                     204                         18               12
USAA CASUALTY INS CO                  1,5,7            584              659                     968                     166                         13                7
UTICA NATL INS CO OF TEXAS              1             1,420             655                   1,325                     501                         27               25
                                                                       TERRITORY 05 - STATEN ISLAND
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,595            1,129                  1,850                     350                        31               50
ADIRONDACK INS EXCH                     1              930              114                     484                     212                        12               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,090             362                     708                     430                        26               10
ALLSTATE PROP & CAS INS CO             1,7             751              142                     470                     245                         4                9
AMICA MUT INS CO                       1,7             810              796                   1,052                     198                        15               13
CHUBB IND CO                            2             1,507             635                   1,130                     395 See Note 2                              44
COUNTRYWIDE INS CO                      1             1,010             430                     832                     269                        19               10
ELECTRIC INS CO                         7             1,033            1,102                  1,153                     263                        16               19
ERIE INS CO                            1,7             638              994                     748                     155                        21               16
ESURANCE INS CO                        1,7            2,856             546                   1,664                       84                       40               66
EVEREADY INS CO                                       1,647             473                     804                     397                        27               22
GEICO GENERAL INS CO                   1,7             510                96                    441                     102                         6               25
GEICO IND CO                           1,7            1,195             196                     613                     229                        30               33
GOVERNMENT EMPLOYEES INS CO            1,7             510                96                    441                     102                         6               25
GREAT NORTHERN INS CO                   2             1,499             475                   1,022                     406 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,280             308                     788                     238                        16               12
LIBERTY MUT FIRE INS CO               1,2,7           1,343             321                   1,113                     251 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,176             352                     690                     240                        20               13
METROPOLITAN CAS INS CO                1,7            1,623             541                   1,159                     242                        29               11
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,554             294                   1,114                     128                        36               12
NATIONWIDE INS CO OF AMER              1,7            1,301             405                     688                     424                        18               29
NEW SOUTH INS CO                        1             1,389             482                     783                     301                        22               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             766             1,012                    848                     177                        28               39
PEERLESS INS CO                         1             1,346            1,244                  1,168                     180                        31               10
PROGRESSIVE ADVANCED INS CO            1,7             742              139                     501                     225                        24               32
PROGRESSIVE CASUALTY INS CO            1,7             795              185                     561                     278                        27               35
SENTINEL INS CO                       1,3,7           1,302             213                     881                       82 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,513             109                   1,103                     362 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,298             104                     946                     309 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            812              149                     445                     237                         4               20
UNITED SERVICES AUTO ASSOC            1,5,7            657              234                     588                     166                        14               12
USAA CASUALTY INS CO                  1,5,7            473              603                     767                     140                        11                7
UTICA NATL INS CO OF TEXAS              1              667              643                     597                     250                        11               25
                                                                       TERRITORY 05 - STATEN ISLAND
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,595            1,129                  1,850                     350                        31               50
ADIRONDACK INS EXCH                     1              942              102                     512                     216                        14               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,944             298                     726                     418                        28               10
ALLSTATE PROP & CAS INS CO             1,7             751              142                     470                     245                         4                9
AMICA MUT INS CO                       1,7             810              690                   1,052                     200                        15               13
CHUBB IND CO                            2             1,507             635                   1,130                     395 See Note 2                              44
COUNTRYWIDE INS CO                      1             1,010             430                     832                     269                        19               10
ELECTRIC INS CO                         7             1,061            1,002                  1,183                     267                        16               18
ERIE INS CO                            1,7             638              994                     748                     155                        21               16
ESURANCE INS CO                        1,7            2,612             506                   1,664                       86                       40               56
EVEREADY INS CO                                       1,647             473                     804                     397                        27               22
GEICO GENERAL INS CO                   1,7             510                96                    441                     102                         6               25
GEICO IND CO                           1,7            1,137             196                     582                     221                        28               33
GOVERNMENT EMPLOYEES INS CO            1,7             510                96                    441                     102                         6               25
GREAT NORTHERN INS CO                   2             1,499             475                   1,022                     406 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,280             308                     788                     238                        16               12
LIBERTY MUT FIRE INS CO               1,2,7           1,343             321                   1,113                     251 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,212             318                     632                     236                        20               13
METROPOLITAN CAS INS CO                1,7            1,623             541                   1,159                     242                        29               11
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,554             294                   1,114                     128                        36               12
NATIONWIDE INS CO OF AMER              1,7            1,397             368                     688                     424                        18               29
NEW SOUTH INS CO                        1             1,337             418                     762                     285                        20               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             766             1,012                    848                     177                        28               39
PEERLESS INS CO                         1             1,346            1,131                  1,168                     180                        28               10
PROGRESSIVE ADVANCED INS CO            1,7             790              142                     550                     247                        25               32
PROGRESSIVE CASUALTY INS CO            1,7             853              189                     612                     307                        28               35
SENTINEL INS CO                       1,3,7           1,292             189                     911                       80 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,513             109                   1,103                     362 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,298             104                     946                     309 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            847              140                     454                     239                         5               22
UNITED SERVICES AUTO ASSOC            1,5,7            657              234                     588                     166                        14               12
USAA CASUALTY INS CO                  1,5,7            473              603                     767                     140                        11                7
UTICA NATL INS CO OF TEXAS              1              667              643                     597                     250                        11               25
                                                                       TERRITORY 05 - STATEN ISLAND
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,445            1,129                  1,757                     322                        28               50
ADIRONDACK INS EXCH                     1             1,010               88                    494                     240                        16               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,194             226                     662                     488                        32               12
ALLSTATE PROP & CAS INS CO             1,7             793              104                     416                     275                         2                9
AMICA MUT INS CO                       1,7             744              476                     959                     188                        14               13
CHUBB IND CO                            2             1,221             473                     896                     315 See Note 2                              44
COUNTRYWIDE INS CO                      1              920              430                     757                     249                        16               10
ELECTRIC INS CO                         7              878              687                     972                     232                        14               15
ERIE INS CO                            1,7             653             1,009                    767                     157                        22               16
ESURANCE INS CO                        1,7            2,608             446                   1,810                     164                        48               48
EVEREADY INS CO                                       1,446             473                     764                     356                        22               22
GEICO GENERAL INS CO                   1,7             432                75                    384                       92                        5               25
GEICO IND CO                           1,7            1,195             196                     613                     229                        30               33
GOVERNMENT EMPLOYEES INS CO            1,7             432                75                    384                       92                        5               25
GREAT NORTHERN INS CO                   2             1,214             356                     814                     326 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,280             294                     788                     238                        16               12
LIBERTY MUT FIRE INS CO               1,2,7           1,071             267                     872                     209 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,258             228                     658                     304                        30               13
METROPOLITAN CAS INS CO                1,7            1,336             490                     941                     207                        26               10
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,078             220                     762                       98                       22                6
NATIONWIDE INS CO OF AMER              1,7            1,369             314                     730                     442                        19               29
NEW SOUTH INS CO                        1             1,504             307                     812                     383                        30               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             717              759                     839                     174                        28               39
PEERLESS INS CO                         1             1,363             893                   1,183                     182                        32               10
PROGRESSIVE ADVANCED INS CO            1,7             760              105                     525                     240                        27               32
PROGRESSIVE CASUALTY INS CO            1,7             820              150                     586                     299                        30               35
SENTINEL INS CO                       1,3,7           1,319             117                     987                       77 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,330               91                    969                     328 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,142               87                    831                     278 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,063             113                     620                     315                         8               25
UNITED SERVICES AUTO ASSOC            1,5,7            522              151                     461                     135                        11               12
USAA CASUALTY INS CO                  1,5,7            381              380                     599                     118                         8                7
UTICA NATL INS CO OF TEXAS              1              565              368                     496                     216                        10               25
                                                                       TERRITORY 05 - STATEN ISLAND
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                          RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,445            1,129                  1,757                     322                        28               50
ADIRONDACK INS EXCH                     1             1,062               58                    500                     266                        16               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,798             126                     692                     446                        30               12
ALLSTATE PROP & CAS INS CO             1,7             793              104                     416                     275                         2                9
AMICA MUT INS CO                       1,7             744              476                     959                     188                        14               13
CHUBB IND CO                            2             1,221             473                     896                     315 See Note 2                              44
COUNTRYWIDE INS CO                      1              920              430                     757                     249                        16               10
ELECTRIC INS CO                         7              878              687                     972                     232                        14               15
ERIE INS CO                            1,7             653             1,009                    767                     157                        22               16
ESURANCE INS CO                        1,7            2,322             252                   1,586                     158                        46               38
EVEREADY INS CO                                       1,446             473                     764                     356                        22               22
GEICO GENERAL INS CO                   1,7             432                75                    384                       92                        5               25
GEICO IND CO                           1,7            1,195             196                     613                     229                        30               33
GOVERNMENT EMPLOYEES INS CO            1,7             432                75                    384                       92                        5               25
GREAT NORTHERN INS CO                   2             1,214             356                     814                     326 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,280             294                     788                     238                        16               12
LIBERTY MUT FIRE INS CO               1,2,7           1,071             267                     872                     209 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,104             148                     520                     298                        30               13
METROPOLITAN CAS INS CO                1,7            1,336             490                     941                     207                        26               10
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,078             220                     762                       98                       22                6
NATIONWIDE INS CO OF AMER              1,7            1,201             243                     646                     407                        17               29
NEW SOUTH INS CO                        1             1,313             204                     707                     348                        26               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7             717              759                     839                     174                        28               39
PEERLESS INS CO                         1             1,363             893                   1,183                     182                        28               10
PROGRESSIVE ADVANCED INS CO            1,7             706                90                    462                     226                        26               32
PROGRESSIVE CASUALTY INS CO            1,7             758              134                     522                     278                        28               35
SENTINEL INS CO                       1,3,7           1,231               95                  1,001                       77 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,330               91                    969                     328 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,142               87                    831                     278 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,068               95                    675                     333                         9               22
UNITED SERVICES AUTO ASSOC            1,5,7            522              151                     461                     135                        11               12
USAA CASUALTY INS CO                  1,5,7            381              380                     599                     118                         8                7
UTICA NATL INS CO OF TEXAS              1              565              368                     496                     216                        10               25
                                                              TERRITORY 17 - KINGS COUNTY (BROOKLYN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    5,834            1,925                  3,422                   1,105                         61               50
ADIRONDACK INS EXCH                     1             5,260             928                   4,488                   1,612                         66               88
ALLMERICA FINANCIAL ALLIANCE INS CO     1             7,440            2,528                  4,788                   1,650                         78               12
ALLSTATE PROP & CAS INS CO             1,7            1,709             578                   1,872                     573                          2               12
AMICA MUT INS CO                       1,7            2,611            2,127                  4,289                     858                         50               13
CHUBB IND CO                            2             3,469            1,174                  2,964                     944 See Note 2                               44
COUNTRYWIDE INS CO                      1             2,487             907                   2,414                     706                         43               10
ELECTRIC INS CO                         7             3,467            3,363                  4,493                     874                         45               49
ERIE INS CO                            1,7            3,529            3,956                  3,991                     528                        127               16
ESURANCE INS CO                        1,7            8,340            1,714                  8,982                     866                        136               72
EVEREADY INS CO                                       3,704             376                   2,155                     777                         45               22
GEICO GENERAL INS CO                   1,7            2,838             480                   2,278                     681                         24               25
GEICO IND CO                           1,7            3,844             471                   1,741                     732                         61               39
GOVERNMENT EMPLOYEES INS CO            1,7            2,838             480                   2,278                     681                         24               25
GREAT NORTHERN INS CO                   2             3,866             954                   3,012                   1,091 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             5,144            1,334                  3,446                     780                         70               12
LIBERTY MUT FIRE INS CO               1,2,7           3,686             924                   2,853                     680 See Note 2                               37
MERCURY CASUALTY CO                    1,7            2,794            1,250                  3,050                     724                         64               13
METROPOLITAN CAS INS CO                1,7            7,426            2,430                  4,691                   1,257                        133               31
METROPOLITAN GRP PROP & CAS INS CO     1,7            4,330             834                   3,162                     408                         86               20
NATIONWIDE INS CO OF AMER              1,7            4,372            1,037                  2,429                   1,350                         49               29
NEW SOUTH INS CO                        1             4,533            2,114                  3,811                   1,107                         76               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            2,352            2,958                  3,476                     725                        103               72
PEERLESS INS CO                         1             3,771            3,392                  3,243                     433                         80               10
PROGRESSIVE ADVANCED INS CO            1,7            3,152             511                   2,275                   1,164                        101               32
PROGRESSIVE CASUALTY INS CO            1,7            3,589             573                   2,373                   1,507                        113               35
SENTINEL INS CO                       1,3,7           5,661             821                   5,111                     168 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           4,305             342                   2,292                     844 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           3,691             326                   1,965                     722 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           3,975             817                   2,727                   1,477                         32               17
UNITED SERVICES AUTO ASSOC            1,5,7           1,967             890                   1,793                     522                         43               12
USAA CASUALTY INS CO                  1,5,7           1,371            2,384                  2,358                     392                         32                7
UTICA NATL INS CO OF TEXAS              1             2,292            1,671                  2,410                     834                         40               25
                                                              TERRITORY 17 - KINGS COUNTY (BROOKLYN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    3,727            1,925                  2,337                     723                         39               50
ADIRONDACK INS EXCH                     1             4,972             678                   2,898                   1,462                         58               96
ALLMERICA FINANCIAL ALLIANCE INS CO     1             6,134            1,664                  3,058                   1,264                         58               14
ALLSTATE PROP & CAS INS CO             1,7            1,703             436                   1,368                     493                          8               12
AMICA MUT INS CO                       1,7            1,856            1,222                  3,018                     615                         35               13
CHUBB IND CO                            2             2,690             979                   2,272                     727 See Note 2                               44
COUNTRYWIDE INS CO                      1             1,437             907                   1,309                     418                         25               10
ELECTRIC INS CO                         7             2,025            1,899                  2,596                     533                         27               29
ERIE INS CO                            1,7            1,674            2,553                  1,887                     296                         61               16
ESURANCE INS CO                        1,7            7,382            1,108                  5,668                     620                         96               78
EVEREADY INS CO                                       2,404             376                   1,455                     526                         29               22
GEICO GENERAL INS CO                   1,7            1,939             392                   1,507                     484                         16               25
GEICO IND CO                           1,7            3,210             417                   1,350                     623                         51               39
GOVERNMENT EMPLOYEES INS CO            1,7            1,939             392                   1,507                     484                         16               25
GREAT NORTHERN INS CO                   2             2,990             797                   2,307                     839 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             2,614             678                   1,746                     436                         36               12
LIBERTY MUT FIRE INS CO               1,2,7           2,463             539                   1,884                     467 See Note 2                               37
MERCURY CASUALTY CO                    1,7            2,494             864                   1,968                     544                         48               13
METROPOLITAN CAS INS CO                1,7            5,720            1,748                  3,599                     981                        103               30
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,836             680                   2,052                     280                         52               16
NATIONWIDE INS CO OF AMER              1,7            3,821             705                   1,846                   1,059                         38               29
NEW SOUTH INS CO                        1             4,368            1,451                  2,511                     893                         60               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            2,033            2,683                  2,940                     619                         86               72
PEERLESS INS CO                         1             2,779            2,018                  2,379                     334                         86               10
PROGRESSIVE ADVANCED INS CO            1,7            2,765             379                   1,824                     948                         92               32
PROGRESSIVE CASUALTY INS CO            1,7            3,115             436                   1,912                   1,219                        103               35
SENTINEL INS CO                       1,3,7           5,438             617                   4,254                     150 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           3,543             257                   1,885                     707 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           3,038             245                   1,616                     604 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           3,839             623                   2,602                   1,354                         29               18
UNITED SERVICES AUTO ASSOC            1,5,7           1,129             454                   1,017                     305                         24               12
USAA CASUALTY INS CO                  1,5,7            799             1,201                  1,333                     239                         18                7
UTICA NATL INS CO OF TEXAS              1             1,808             958                   1,888                     664                         32               25
                                                              TERRITORY 17 - KINGS COUNTY (BROOKLYN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    3,307            1,925                  1,855                     647                        34               50
ADIRONDACK INS EXCH                     1             1,354             226                     656                     348                        12               28
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,654            1,214                  1,416                     752                        32               12
ALLSTATE PROP & CAS INS CO             1,7            1,001             254                     536                     347                         2                9
AMICA MUT INS CO                       1,7             913             1,343                  1,430                     230                        16               13
CHUBB IND CO                            2             1,926             900                   1,594                     515 See Note 2                              44

COUNTRYWIDE INS CO                      1             1,578             907                   1,440                     456                        27               10
ELECTRIC INS CO                         7             1,330            1,804                  1,684                     370                        16               18
ERIE INS CO                            1,7            1,080            1,633                  1,212                     224                        39               16
ESURANCE INS CO                        1,7            5,042             856                   2,648                     142                        46               66
EVEREADY INS CO                                       2,461             376                   1,199                     537                        30               22
GEICO GENERAL INS CO                   1,7             843              163                     631                     210                         7               25
GEICO IND CO                           1,7            2,154             362                     871                     440                        34               39
GOVERNMENT EMPLOYEES INS CO            1,7             843              163                     631                     210                         7               25
GREAT NORTHERN INS CO                   2             2,134             734                   1,618                     590 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,628             472                   1,086                     304                        22               12
LIBERTY MUT FIRE INS CO               1,2,7           1,959             520                   1,485                     379 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,692             552                   1,228                     314                        24               13
METROPOLITAN CAS INS CO                1,7            2,808             833                   1,733                     503                        49               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,810             498                   1,294                     196                        34               10
NATIONWIDE INS CO OF AMER              1,7            1,815             545                     806                     540                        15               29
NEW SOUTH INS CO                        1             2,220             846                   1,128                     422                        26               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,628            2,294                  1,841                     454                        62               72
PEERLESS INS CO                         1             1,695            1,948                  1,437                     228                        35               10
PROGRESSIVE ADVANCED INS CO            1,7             899              163                     486                     261                        22               32
PROGRESSIVE CASUALTY INS CO            1,7             970              210                     547                     326                        25               35
SENTINEL INS CO                       1,3,7           2,241             357                   1,388                     104 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,052             174                   1,089                     439 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,761             166                     934                     375 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,089             339                     613                     343                         7                6
UNITED SERVICES AUTO ASSOC            1,5,7            900              416                     805                     247                        19               12
USAA CASUALTY INS CO                  1,5,7            642             1,098                  1,054                     197                        14                7
UTICA NATL INS CO OF TEXAS              1              839              940                     848                     322                        15               25
                                                              TERRITORY 17 - KINGS COUNTY (BROOKLYN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    3,307            1,925                  1,855                     647                        34               50
ADIRONDACK INS EXCH                     1             1,372             202                     694                     356                        14               28
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,394            1,006                  1,450                     720                        26               12
ALLSTATE PROP & CAS INS CO             1,7            1,001             254                     536                     347                         2                9
AMICA MUT INS CO                       1,7             913             1,161                  1,430                     233                        16               13
CHUBB IND CO                            2             1,926             900                   1,594                     515 See Note 2                              44

COUNTRYWIDE INS CO                      1             1,578             907                   1,440                     456                        27               10
ELECTRIC INS CO                         7             1,364            1,641                  1,730                     377                        18               19
ERIE INS CO                            1,7            1,080            1,633                  1,212                     224                        39               16
ESURANCE INS CO                        1,7            4,546             792                   2,648                     146                        44               56
EVEREADY INS CO                                       2,461             376                   1,199                     537                        30               22
GEICO GENERAL INS CO                   1,7             843              163                     631                     210                         7               25
GEICO IND CO                           1,7            1,888             362                     827                     582                        32               39
GOVERNMENT EMPLOYEES INS CO            1,7             843              163                     631                     210                         7               25
GREAT NORTHERN INS CO                   2             2,134             734                   1,618                     590 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,628             472                   1,086                     304                        22               12
LIBERTY MUT FIRE INS CO               1,2,7           1,959             520                   1,485                     379 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,756             496                   1,122                     308                        26               13
METROPOLITAN CAS INS CO                1,7            2,808             833                   1,733                     503                        49               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,810             498                   1,294                     196                        34               10
NATIONWIDE INS CO OF AMER              1,7            1,979             494                     806                     540                        15               29
NEW SOUTH INS CO                        1             2,142             728                   1,097                     398                        25               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,628            2,294                  1,841                     454                        62               72
PEERLESS INS CO                         1             1,695            1,771                  1,437                     228                        62               10
PROGRESSIVE ADVANCED INS CO            1,7             957              166                     534                     288                        23               32
PROGRESSIVE CASUALTY INS CO            1,7            1,040             213                     595                     362                        26               35
SENTINEL INS CO                       1,3,7           2,217             318                   1,436                     101 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,052             174                   1,089                     439 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,761             166                     934                     375 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,133             318                     627                     346                         7                6
UNITED SERVICES AUTO ASSOC            1,5,7            900              416                     805                     247                        19               12
USAA CASUALTY INS CO                  1,5,7            642             1,098                  1,054                     197                        14                7
UTICA NATL INS CO OF TEXAS              1              839              940                     848                     332                        15               25
                                                              TERRITORY 17 - KINGS COUNTY (BROOKLYN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,985            1,925                  1,762                     588                        31               50
ADIRONDACK INS EXCH                     1             1,484             174                     670                     398                        16               28
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,786             766                   1,326                     860                        36               12
ALLSTATE PROP & CAS INS CO             1,7            1,077             180                     476                     403                         2                9
AMICA MUT INS CO                       1,7             839              799                   1,303                     219                        14               13
CHUBB IND CO                            2             1,544             665                   1,255                     408 See Note 2                              44

COUNTRYWIDE INS CO                      1             1,437             907                   1,309                     418                        25               10
ELECTRIC INS CO                         7             1,128            1,124                  1,421                     322                        14               16
ERIE INS CO                            1,7            1,108            1,656                  1,242                     226                        39               16
ESURANCE INS CO                        1,7            4,456             700                   2,882                     290                        54               48
EVEREADY INS CO                                       2,154             376                   1,137                     479                        27               22
GEICO GENERAL INS CO                   1,7             710              127                     548                     189                         6               25
GEICO IND CO                           1,7            2,154             362                     871                     440                        34               39
GOVERNMENT EMPLOYEES INS CO            1,7             710              127                     548                     189                         6               25
GREAT NORTHERN INS CO                   2             1,705             545                   1,274                     467 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,628             452                   1,086                     304                        22               12
LIBERTY MUT FIRE INS CO               1,2,7           1,552             432                   1,162                     308 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,770             348                   1,172                     404                        34               13
METROPOLITAN CAS INS CO                1,7            2,295             753                   1,401                     420                        39                8
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,260             368                     886                     148                        22                8
NATIONWIDE INS CO OF AMER              1,7            1,909             420                     856                     565                        17               29
NEW SOUTH INS CO                        1             2,326             527                   1,170                     550                        36               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,534            1,721                  1,824                     449                        61               72
PEERLESS INS CO                         1             1,718            1,399                  1,457                     229                        37               10
PROGRESSIVE ADVANCED INS CO            1,7             912              122                     510                     280                        25               32
PROGRESSIVE CASUALTY INS CO            1,7             990              168                     571                     351                        28               35
SENTINEL INS CO                       1,3,7           2,251             196                   1,555                       96 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,804             145                     957                     395 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,548             138                     820                     336 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,454             256                     861                     470                        11                7
UNITED SERVICES AUTO ASSOC            1,5,7            710              264                     629                     197                        15               12
USAA CASUALTY INS CO                  1,5,7            512              686                     821                     162                        11                7
UTICA NATL INS CO OF TEXAS              1              707              536                     704                     277                        11               25
                                                              TERRITORY 17 - KINGS COUNTY (BROOKLYN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                          RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,985            1,925                  1,762                     588                        31               50
ADIRONDACK INS EXCH                     1             1,568             114                     680                     444                        18               28
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,062             418                   1,384                     780                        30               12
ALLSTATE PROP & CAS INS CO             1,7            1,077             180                     476                     403                         2                9
AMICA MUT INS CO                       1,7             839              799                   1,303                     219                        14               13
CHUBB IND CO                            2             1,544             665                   1,255                     408 See Note 2                              44

COUNTRYWIDE INS CO                      1             1,437             907                   1,309                     418                        25               10
ELECTRIC INS CO                         7             1,128            1,124                  1,421                     322                        14               16
ERIE INS CO                            1,7            1,108            1,656                  1,242                     226                        39               16
ESURANCE INS CO                        1,7            3,904             396                   2,524                     282                        52               38
EVEREADY INS CO                                       2,154             376                   1,137                     479                        27               22
GEICO GENERAL INS CO                   1,7             710              127                     548                     189                         6               25
GEICO IND CO                           1,7            2,154             362                     871                     440                        34               39
GOVERNMENT EMPLOYEES INS CO            1,7             710              127                     548                     189                         6               25
GREAT NORTHERN INS CO                   2             1,705             545                   1,274                     467 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,628             452                   1,086                     304                        22               12
LIBERTY MUT FIRE INS CO               1,2,7           1,552             432                   1,162                     308 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,520             218                     916                     394                        32               13
METROPOLITAN CAS INS CO                1,7            2,295             753                   1,401                     420                        39                8
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,260             368                     886                     148                        22                8
NATIONWIDE INS CO OF AMER              1,7            1,666             322                     756                     515                        15               29
NEW SOUTH INS CO                        1             2,014             340                   1,016                     496                        32               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,534            1,721                  1,824                     449                        61               72
PEERLESS INS CO                         1             1,718            1,399                  1,457                     229                        61               10
PROGRESSIVE ADVANCED INS CO            1,7             841              105                     448                     262                        24               32
PROGRESSIVE CASUALTY INS CO            1,7             911              150                     508                     328                        26               35
SENTINEL INS CO                       1,3,7           2,089             160                   1,578                       94 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,804             145                     957                     395 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,548             138                     820                     336 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,472             214                     940                     499                        13                6
UNITED SERVICES AUTO ASSOC            1,5,7            710              264                     629                     197                        15               12
USAA CASUALTY INS CO                  1,5,7            512              686                     821                     162                        11                7
UTICA NATL INS CO OF TEXAS              1              707              536                     704                     277                        11               25
                                                          TERRITORY 18 - NEW YORK COUNTY (MANHATTAN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    3,634             770                   3,132                     793                         48               50
ADIRONDACK INS EXCH                     1             3,616             572                   3,430                   1,066                         56               56
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,788            1,088                  2,810                     950                         50               12
ALLSTATE PROP & CAS INS CO             1,7             957              358                   1,376                     331                          8               12
AMICA MUT INS CO                       1,7            1,903            1,072                  3,168                     599                         42               13
CHUBB IND CO                            2             1,946             442                   1,840                     528 See Note 2                               44
COUNTRYWIDE INS CO                      1             1,475             629                   1,341                     405                         30               10
ELECTRIC INS CO                         7             1,623            1,644                  2,977                     422                         28               49
ERIE INS CO                            1,7            2,098            2,250                  2,921                     332                         76               16
ESURANCE INS CO                        1,7            4,506             952                   5,372                     476                        102               72
EVEREADY INS CO                                       2,839             310                   1,834                     718                         43               22
GEICO GENERAL INS CO                   1,7            1,439             163                   1,224                     402                         14               25
GEICO IND CO                           1,7            2,007             202                   1,254                     403                         43               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,439             163                   1,224                     402                         14               25
GREAT NORTHERN INS CO                   2             2,161             364                   1,876                     607 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             2,624             710                   2,368                     428                         34               12
LIBERTY MUT FIRE INS CO               1,2,7           2,046             528                   2,041                     403 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,962             808                   2,678                     572                         36               13
METROPOLITAN CAS INS CO                1,7            3,672            1,754                  3,536                     601                         82               33
METROPOLITAN GRP PROP & CAS INS CO     1,7            3,676             610                   2,844                     278                         68               26
NATIONWIDE INS CO OF AMER              1,7            2,560             526                   1,644                     856                         35               29
NEW SOUTH INS CO                        1             2,674             987                   2,647                     751                         59               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,414            1,722                  1,717                     432                         58               47
PEERLESS INS CO                         1             2,806            1,304                  2,044                     337                         64               10
PROGRESSIVE ADVANCED INS CO            1,7            2,169             309                   1,868                     759                         87               32
PROGRESSIVE CASUALTY INS CO            1,7            2,431             362                   1,957                     967                         97               35
SENTINEL INS CO                       1,3,7           3,358             440                   2,869                     116 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           2,035             244                   1,554                     462 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           1,745             232                   1,333                     395 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,749             425                   1,777                     988                         23               74
UNITED SERVICES AUTO ASSOC            1,5,7           1,384             517                   1,320                     360                         33               12
USAA CASUALTY INS CO                  1,5,7            979             1,373                  1,733                     277                         24                7
UTICA NATL INS CO OF TEXAS              1             1,651            1,226                  2,160                     599                         33               25
                                                          TERRITORY 18 - NEW YORK COUNTY (MANHATTAN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,333             770                   2,139                     525                        30               50
ADIRONDACK INS EXCH                     1             3,426             420                   2,214                     974                        50               62
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,048             718                   1,798                     750                        36               10
ALLSTATE PROP & CAS INS CO             1,7             941              264                   1,010                     291                         4               12
AMICA MUT INS CO                       1,7            1,360             619                   2,232                     432                        29               13
CHUBB IND CO                            2             1,536             373                   1,420                     412 See Note 2                              44
COUNTRYWIDE INS CO                      1              856              629                     727                     245                        17               10
ELECTRIC INS CO                         7              923              929                   1,654                     265                        17               27
ERIE INS CO                            1,7             997             1,452                  1,382                     204                        35               16
ESURANCE INS CO                        1,7            3,874             616                   3,390                     344                        72               78
EVEREADY INS CO                                       1,846             310                   1,238                     489                        28               22
GEICO GENERAL INS CO                   1,7             991              134                     814                     287                         9               25
GEICO IND CO                           1,7            1,679             179                     972                     345                        36               33
GOVERNMENT EMPLOYEES INS CO            1,7             991              134                     814                     287                         9               25
GREAT NORTHERN INS CO                   2             1,700             308                   1,446                     469 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,336             360                   1,200                     260                        18               12
LIBERTY MUT FIRE INS CO               1,2,7           1,384             310                   1,350                     286 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,736             562                   1,730                     434                        26               13
METROPOLITAN CAS INS CO                1,7            2,850            1,264                  2,715                     475                        64               25
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,416             494                   1,848                     194                        42               14
NATIONWIDE INS CO OF AMER              1,7            2,211             363                   1,254                     687                        26               29
NEW SOUTH INS CO                        1             2,456             684                   1,750                     613                        47               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,227            1,563                  1,453                     369                        47               47
PEERLESS INS CO                         1             2,072             777                   1,500                     265                        47               10
PROGRESSIVE ADVANCED INS CO            1,7            1,915             229                   1,497                     623                        79               32
PROGRESSIVE CASUALTY INS CO            1,7            2,121             279                   1,579                     786                        89               35
SENTINEL INS CO                       1,3,7           3,258             330                   2,388                     106 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           1,675             183                   1,278                     393 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,437             174                   1,096                     336 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,663             325                   1,696                     909                        20               83
UNITED SERVICES AUTO ASSOC            1,5,7            803              267                     752                     215                        19               12
USAA CASUALTY INS CO                  1,5,7            579              695                     983                     175                        13                7
UTICA NATL INS CO OF TEXAS              1             1,307             704                   1,692                     481                        26               25
                                                          TERRITORY 18 - NEW YORK COUNTY (MANHATTAN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,074             770                   1,697                     472                        27               50
ADIRONDACK INS EXCH                     1              978              140                     502                     240                        12               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,784             524                     838                     496                        18               10
ALLSTATE PROP & CAS INS CO             1,7             567              156                     404                     221                         2                9
AMICA MUT INS CO                       1,7             680              679                   1,062                     171                        13               13
CHUBB IND CO                            2             1,134             345                   1,009                     296 See Note 2                              44
COUNTRYWIDE INS CO                      1              937              629                     799                     267                        20               10
ELECTRIC INS CO                         7              640              883                   1,119                     202                        10               19
ERIE INS CO                            1,7             646              929                     887                     164                        23               16
ESURANCE INS CO                        1,7            2,578             476                   1,584                       86                       34               66
EVEREADY INS CO                                       1,892             310                   1,020                     499                        28               22
GEICO GENERAL INS CO                   1,7             430                56                    342                     124                         4               25
GEICO IND CO                           1,7            1,130             156                     627                     250                        24               33
GOVERNMENT EMPLOYEES INS CO            1,7             430                56                    342                     124                         4               25
GREAT NORTHERN INS CO                   2             1,245             286                   1,026                     338 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              834              252                     746                     194                        10               12
LIBERTY MUT FIRE INS CO               1,2,7           1,112             299                   1,065                     236 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,174             364                   1,082                     254                        14               13
METROPOLITAN CAS INS CO                1,7            1,437             607                   1,311                     257                        29               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,546             366                   1,164                     142                        28               10
NATIONWIDE INS CO OF AMER              1,7            1,068             284                     558                     384                        11               29
NEW SOUTH INS CO                        1             1,235             408                     795                     299                        21               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             993             1,336                    911                     273                        34               47
PEERLESS INS CO                         1             1,270             750                     909                     184                        28               10
PROGRESSIVE ADVANCED INS CO            1,7             636                98                    399                     177                        19               32
PROGRESSIVE CASUALTY INS CO            1,7             667              143                     458                     215                        21               35
SENTINEL INS CO                       1,3,7           1,380             191                     779                       84 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            973              124                     739                     258 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            836              118                     633                     219 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            784              179                     407                     243                         4               26
UNITED SERVICES AUTO ASSOC            1,5,7            644              246                     597                     175                        15               12
USAA CASUALTY INS CO                  1,5,7            469              636                     779                     147                        11                7
UTICA NATL INS CO OF TEXAS              1              626              690                     760                     240                        12               25
                                                          TERRITORY 18 - NEW YORK COUNTY (MANHATTAN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,074             770                   1,697                     472                        27               50
ADIRONDACK INS EXCH                     1              990              124                     530                     244                        10               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,672             436                     854                     478                        16               12
ALLSTATE PROP & CAS INS CO             1,7             567              156                     404                     221                         2                9
AMICA MUT INS CO                       1,7             680              589                   1,062                     172                        13               13
CHUBB IND CO                            2             1,134             345                   1,009                     296 See Note 2                              44
COUNTRYWIDE INS CO                      1              937              629                     799                     267                        20               10
ELECTRIC INS CO                         7              657              804                   1,149                     205                        11               20
ERIE INS CO                            1,7             646              929                     887                     164                        23               16
ESURANCE INS CO                        1,7            2,370             440                   1,584                       88                       32               56
EVEREADY INS CO                                       1,892             310                   1,020                     499                        28               22
GEICO GENERAL INS CO                   1,7             430                56                    342                     124                         4               25
GEICO IND CO                           1,7            1,075             156                     596                     241                        23               33
GOVERNMENT EMPLOYEES INS CO            1,7             430                56                    342                     124                         4               25
GREAT NORTHERN INS CO                   2             1,245             286                   1,026                     338 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              834              252                     746                     194                        10               12
LIBERTY MUT FIRE INS CO               1,2,7           1,112             299                   1,065                     236 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,216             328                     990                     250                        14               13
METROPOLITAN CAS INS CO                1,7            1,437             607                   1,311                     257                        29               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,546             366                   1,164                     142                        28               10
NATIONWIDE INS CO OF AMER              1,7            1,151             259                     558                     384                        11               29
NEW SOUTH INS CO                        1             1,186             354                     773                     283                        19               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             993             1,336                    911                     273                        34               47
PEERLESS INS CO                         1             1,270             682                     909                     184                        34               10
PROGRESSIVE ADVANCED INS CO            1,7             675              100                     438                     194                        20               32
PROGRESSIVE CASUALTY INS CO            1,7             713              145                     498                     237                        22               35
SENTINEL INS CO                       1,3,7           1,375             170                     806                       81 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            973              124                     739                     258 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            836              118                     633                     219 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            816              168                     415                     245                         4               28
UNITED SERVICES AUTO ASSOC            1,5,7            644              246                     597                     175                        15               12
USAA CASUALTY INS CO                  1,5,7            469              636                     779                     147                        11                7
UTICA NATL INS CO OF TEXAS              1              617              690                     760                     240                        12               25
                                                          TERRITORY 18 - NEW YORK COUNTY (MANHATTAN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,876             770                   1,613                     431                        24               50
ADIRONDACK INS EXCH                     1             1,064             108                     514                     272                        14               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,908             332                     782                     550                        20               12
ALLSTATE PROP & CAS INS CO             1,7             609              112                     356                     247                         0                9
AMICA MUT INS CO                       1,7             625              407                     969                     167                        15               13
CHUBB IND CO                            2              932              261                     803                     239 See Note 2                              44
COUNTRYWIDE INS CO                      1              856              629                     727                     245                        17               10
ELECTRIC INS CO                         7              548              551                     944                     181                        10               16
ERIE INS CO                            1,7             661              942                     910                     164                        23               16
ESURANCE INS CO                        1,7            2,382             388                   1,724                     166                        40               48
EVEREADY INS CO                                       1,659             310                     969                     443                        25               22
GEICO GENERAL INS CO                   1,7             368                45                    298                     112                         3               25
GEICO IND CO                           1,7            1,130             156                     627                     250                        24               33
GOVERNMENT EMPLOYEES INS CO            1,7             368                45                    298                     112                         3               25
GREAT NORTHERN INS CO                   2             1,017             218                     816                     272 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              834              240                     746                     194                        10               12
LIBERTY MUT FIRE INS CO               1,2,7            891              249                     835                     197 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,242             234                   1,032                     324                        20               13
METROPOLITAN CAS INS CO                1,7            1,183             549                   1,062                     220                        28               10
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,076             272                     796                     112                        20                6
NATIONWIDE INS CO OF AMER              1,7            1,122             222                     591                     399                        12               29
NEW SOUTH INS CO                        1             1,368             262                     824                     381                        28               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             933             1,002                    901                     270                        33               47
PEERLESS INS CO                         1             1,285             540                     921                     187                        29               10
PROGRESSIVE ADVANCED INS CO            1,7             647                74                    419                     189                        21               32
PROGRESSIVE CASUALTY INS CO            1,7             684              117                     477                     230                        23               35
SENTINEL INS CO                       1,3,7           1,389             105                     873                       79 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            856              103                     649                     236 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            735                99                    556                     201 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,033             136                     567                     323                         7               32
UNITED SERVICES AUTO ASSOC            1,5,7            512              159                     468                     142                        11               12
USAA CASUALTY INS CO                  1,5,7            378              401                     609                     123                         9                7
UTICA NATL INS CO OF TEXAS              1              524              395                     631                     210                         8               25
                                                          TERRITORY 18 - NEW YORK COUNTY (MANHATTAN)
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                          RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,876             770                   1,613                     431                        24               50
ADIRONDACK INS EXCH                     1             1,122               70                    518                     298                        14               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,592             180                     816                     512                        20               10
ALLSTATE PROP & CAS INS CO             1,7             609              112                     356                     247                         0                9
AMICA MUT INS CO                       1,7             625              407                     969                     167                        15               13
CHUBB IND CO                            2              932              261                     803                     239 See Note 2                              44
COUNTRYWIDE INS CO                      1              856              629                     727                     245                        17               10
ELECTRIC INS CO                         7              548              551                     944                     181                        10               16
ERIE INS CO                            1,7             661              942                     910                     164                        23               16
ESURANCE INS CO                        1,7            2,134             220                   1,510                     162                        38               38
EVEREADY INS CO                                       1,659             310                     969                     443                        25               22
GEICO GENERAL INS CO                   1,7             368                45                    298                     112                         3               25
GEICO IND CO                           1,7            1,130             156                     627                     250                        24               33
GOVERNMENT EMPLOYEES INS CO            1,7             368                45                    298                     112                         3               25
GREAT NORTHERN INS CO                   2             1,017             218                     816                     272 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              834              240                     746                     194                        10               12
LIBERTY MUT FIRE INS CO               1,2,7            891              249                     835                     197 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,076             152                     810                     318                        20               13
METROPOLITAN CAS INS CO                1,7            1,183             549                   1,062                     220                        28               10
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,076             272                     796                     112                        20                6
NATIONWIDE INS CO OF AMER              1,7             987              174                     525                     370                        10               29
NEW SOUTH INS CO                        1             1,199             177                     717                     346                        25               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7             933             1,002                    901                     270                        33               47
PEERLESS INS CO                         1             1,285             540                     921                     187                        33               10
PROGRESSIVE ADVANCED INS CO            1,7             601                63                    368                     178                        20               32
PROGRESSIVE CASUALTY INS CO            1,7             632              106                     426                     216                        22               35
SENTINEL INS CO                       1,3,7           1,296               86                    886                       78 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            856              103                     649                     236 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            735                99                    556                     201 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,044             115                     618                     342                         8               28
UNITED SERVICES AUTO ASSOC            1,5,7            512              159                     468                     142                        11               12
USAA CASUALTY INS CO                  1,5,7            378              401                     609                     123                         9                7
UTICA NATL INS CO OF TEXAS              1              524              395                     631                     210                         8               25
                                                                       TERRITORY 19 - QUEENS URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    3,081            1,465                  2,996                     667                         52               50
ADIRONDACK INS EXCH                     1             3,538             572                   3,430                   1,050                         56               52
ALLMERICA FINANCIAL ALLIANCE INS CO     1             4,238            1,484                  4,026                     978                         56               12
ALLSTATE PROP & CAS INS CO             1,7            1,543             450                   1,748                     471                          6               12
AMICA MUT INS CO                       1,7            2,303             958                   3,232                     766                         42               13
CHUBB IND CO                            2             2,713             824                   2,608                     754 See Note 2                               44
COUNTRYWIDE INS CO                      1             1,519             813                   1,468                     419                         29               10
ELECTRIC INS CO                         7             2,260            2,514                  3,766                     503                         38               50
ERIE INS CO                            1,7            2,807            1,706                  2,921                     403                         97               16
ESURANCE INS CO                        1,7            5,340            1,480                  7,434                     486                        106               72
EVEREADY INS CO                                       2,406             675                   1,937                     594                         46               22
GEICO GENERAL INS CO                   1,7            1,439             338                   1,710                     382                         21               25
GEICO IND CO                           1,7            2,384             295                   1,256                     434                         46               39
GOVERNMENT EMPLOYEES INS CO            1,7            1,439             338                   1,710                     382                         21               25
GREAT NORTHERN INS CO                   2             3,038             680                   2,691                     869 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             3,662             940                   2,736                     556                         46               12
LIBERTY MUT FIRE INS CO               1,2,7           2,729             732                   2,500                     544 See Note 2                               37
MERCURY CASUALTY CO                    1,7            2,456            1,058                  2,110                     662                         64               13
METROPOLITAN CAS INS CO                1,7            3,350            1,416                  2,864                     526                         82               33
METROPOLITAN GRP PROP & CAS INS CO     1,7            3,512             796                   2,662                     312                         82               26
NATIONWIDE INS CO OF AMER              1,7            3,398             919                   1,771                   1,019                         44               29
NEW SOUTH INS CO                        1             3,001            1,600                  4,156                     703                         65               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,665            2,102                  2,279                     461                         67               60
PEERLESS INS CO                         1             2,786            2,052                  2,746                     313                         70               10
PROGRESSIVE ADVANCED INS CO            1,7            2,169             309                   1,868                     759                         87               32
PROGRESSIVE CASUALTY INS CO            1,7            2,431             362                   1,957                     967                         97               35
SENTINEL INS CO                       1,3,7           3,486             665                   4,727                     111 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           3,635             267                   2,389                     758 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           3,117             254                   2,048                     647 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           3,217             504                   2,025                   1,019                         28               61
UNITED SERVICES AUTO ASSOC            1,5,7           1,610             536                   1,473                     407                         38               12
USAA CASUALTY INS CO                  1,5,7           1,129            1,424                  1,935                     311                         28                7
UTICA NATL INS CO OF TEXAS              1             2,495            1,407                  2,266                     867                         56               25
                                                                       TERRITORY 19 - QUEENS URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,983            1,465                  2,046                     445                        33               50
ADIRONDACK INS EXCH                     1             3,344             420                   2,214                     962                        50               56
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,490             976                   2,576                     772                        42               10
ALLSTATE PROP & CAS INS CO             1,7            1,555             342                   1,282                     397                         4               12
AMICA MUT INS CO                       1,7            1,639             554                   2,277                     551                        30               13
CHUBB IND CO                            2             2,117             689                   2,003                     583 See Note 2                              44
COUNTRYWIDE INS CO                      1              843              813                     758                     244                        15               10
ELECTRIC INS CO                         7             1,278            1,420                  2,090                     308                        21               28
ERIE INS CO                            1,7            1,334            1,101                  1,382                     237                        46               16
ESURANCE INS CO                        1,7            4,748             956                   4,690                     350                        76               78
EVEREADY INS CO                                       1,570             675                   1,308                     409                        30               22
GEICO GENERAL INS CO                   1,7             991              277                   1,134                     274                        13               25
GEICO IND CO                           1,7            1,993             261                     974                     372                        38               39
GOVERNMENT EMPLOYEES INS CO            1,7             991              277                   1,134                     274                        13               25
GREAT NORTHERN INS CO                   2             2,363             569                   2,065                     670 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,862             478                   1,386                     324                        24               12
LIBERTY MUT FIRE INS CO               1,2,7           1,833             428                   1,652                     377 See Note 2                              37
MERCURY CASUALTY CO                    1,7            2,146             732                   1,366                     498                        48               13
METROPOLITAN CAS INS CO                1,7            2,598            1,023                  2,202                     413                        64               26
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,294             646                   1,728                     214                        52               18
NATIONWIDE INS CO OF AMER              1,7            2,985             626                   1,350                     810                        33               29
NEW SOUTH INS CO                        1             2,865            1,101                  2,737                     576                        51               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,443            1,907                  1,929                     394                        58               60
PEERLESS INS CO                         1             2,057            1,221                  2,014                     246                        58               10
PROGRESSIVE ADVANCED INS CO            1,7            1,915             229                   1,497                     623                        79               32
PROGRESSIVE CASUALTY INS CO            1,7            2,121             279                   1,579                     786                        89               35
SENTINEL INS CO                       1,3,7           3,416             499                   3,934                     101 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,991             201                   1,964                     636 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           2,566             191                   1,684                     543 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           3,157             385                   1,933                     938                        25               67
UNITED SERVICES AUTO ASSOC            1,5,7            929              277                     838                     241                        22               12
USAA CASUALTY INS CO                  1,5,7            663              721                   1,097                     193                        16                7
UTICA NATL INS CO OF TEXAS              1             1,966             807                   1,777                     691                        44               25
                                                                       TERRITORY 19 - QUEENS URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,765            1,465                  1,624                     401                        29               50
ADIRONDACK INS EXCH                     1              954              140                     502                     238                        12               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,094             714                   1,196                     504                        22               14
ALLSTATE PROP & CAS INS CO             1,7             913              200                     506                     271                         2                9
AMICA MUT INS CO                       1,7             810              608                   1,083                     226                        14               13
CHUBB IND CO                            2             1,532             635                   1,408                     415 See Note 2                              44

COUNTRYWIDE INS CO                      1              924              813                     834                     264                        18               10
ELECTRIC INS CO                         7              879             1,349                  1,414                     231                        13               19
ERIE INS CO                            1,7             860              704                     887                     184                        30               16
ESURANCE INS CO                        1,7            3,286             740                   2,192                       90                       34               66
EVEREADY INS CO                                       1,606             675                   1,075                     419                        31               22
GEICO GENERAL INS CO                   1,7             525              115                     476                     119                         5               25
GEICO IND CO                           1,7            1,341             227                     628                     268                        26               39
GOVERNMENT EMPLOYEES INS CO            1,7             525              115                     476                     119                         5               25
GREAT NORTHERN INS CO                   2             1,701             525                   1,451                     476 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,162             332                     862                     234                        14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,464             413                   1,303                     309 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,430             470                     860                     290                        26               13
METROPOLITAN CAS INS CO                1,7            1,308             494                   1,066                     220                        29                9
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,470             476                   1,090                     148                        36                8
NATIONWIDE INS CO OF AMER              1,7            1,434             485                     598                     436                        14               29
NEW SOUTH INS CO                        1             1,462             646                   1,227                     283                        23               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,181            1,630                  1,209                     290                        40               60
PEERLESS INS CO                         1             1,262            1,181                  1,217                     172                        31               10
PROGRESSIVE ADVANCED INS CO            1,7             636                98                    399                     177                        19               32
PROGRESSIVE CASUALTY INS CO            1,7             667              143                     458                     215                        21               35
SENTINEL INS CO                       1,3,7           1,431             289                   1,284                       79 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,734             136                   1,135                     399 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,488             129                     973                     340 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            934              212                     461                     251                         5               21
UNITED SERVICES AUTO ASSOC            1,5,7            744              254                     665                     196                        17               12
USAA CASUALTY INS CO                  1,5,7            535              660                     868                     162                        12                7
UTICA NATL INS CO OF TEXAS              1              911              792                     797                     332                        19               25
                                                                       TERRITORY 19 - QUEENS URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,765            1,465                  1,624                     401                        29               50
ADIRONDACK INS EXCH                     1              968              124                     530                     242                        10               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,952             592                   1,220                     488                        22               12
ALLSTATE PROP & CAS INS CO             1,7             913              200                     506                     271                         2                9
AMICA MUT INS CO                       1,7             810              527                   1,083                     228                        14               13
CHUBB IND CO                            2             1,532             635                   1,408                     415 See Note 2                              44

COUNTRYWIDE INS CO                      1              924              813                     834                     264                        18               10
ELECTRIC INS CO                         7              902             1,228                  1,451                     236                        15               20
ERIE INS CO                            1,7             860              704                     887                     184                        30               16
ESURANCE INS CO                        1,7            2,972             684                   2,192                       90                       36               56
EVEREADY INS CO                                       1,606             675                   1,075                     419                        31               22
GEICO GENERAL INS CO                   1,7             525              115                     476                     119                         5               25
GEICO IND CO                           1,7            1,276             227                     597                     258                        24               39
GOVERNMENT EMPLOYEES INS CO            1,7             525              115                     476                     119                         5               25
GREAT NORTHERN INS CO                   2             1,701             525                   1,451                     476 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,162             332                     862                     234                        14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,464             413                   1,303                     309 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,476             422                     786                     284                        24               13
METROPOLITAN CAS INS CO                1,7            1,308             494                   1,066                     220                        29                9
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,470             476                   1,090                     148                        36                8
NATIONWIDE INS CO OF AMER              1,7            1,565             439                     598                     436                        14               29
NEW SOUTH INS CO                        1             1,411             558                   1,193                     268                        21               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,181            1,630                  1,209                     290                        40               60
PEERLESS INS CO                         1             1,262            1,073                  1,217                     172                        40               10
PROGRESSIVE ADVANCED INS CO            1,7             675              100                     438                     194                        20               32
PROGRESSIVE CASUALTY INS CO            1,7             713              145                     498                     237                        22               35
SENTINEL INS CO                       1,3,7           1,431             257                   1,328                       78 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,734             136                   1,135                     399 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,488             129                     973                     340 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            978              199                     471                     253                         5               23
UNITED SERVICES AUTO ASSOC            1,5,7            744              254                     665                     196                        17               12
USAA CASUALTY INS CO                  1,5,7            535              660                     868                     162                        12                7
UTICA NATL INS CO OF TEXAS              1              911              792                     797                     332                        19               25
                                                                       TERRITORY 19 - QUEENS URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,598            1,465                  1,543                     368                        26               50
ADIRONDACK INS EXCH                     1             1,040             108                     514                     270                        14               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,180             450                   1,120                     564                        24               14
ALLSTATE PROP & CAS INS CO             1,7             977              142                     446                     321                         0                9
AMICA MUT INS CO                       1,7             745              366                     988                     210                        13               13
CHUBB IND CO                            2             1,241             473                   1,111                     332 See Note 2                              44

COUNTRYWIDE INS CO                      1              843              813                     758                     244                        15               10
ELECTRIC INS CO                         7              751              841                   1,192                     205                        11               15
ERIE INS CO                            1,7             882              715                     910                     187                        30               16
ESURANCE INS CO                        1,7            2,910             604                   2,384                     170                        44               48
EVEREADY INS CO                                       1,409             675                   1,022                     374                        27               22
GEICO GENERAL INS CO                   1,7             368                90                    413                     108                         5               25
GEICO IND CO                           1,7            1,341             227                     628                     268                        26               39
GOVERNMENT EMPLOYEES INS CO            1,7             368                90                    413                     108                         5               25
GREAT NORTHERN INS CO                   2             1,370             393                   1,145                     378 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,162             318                     862                     234                        14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,166             344                   1,020                     253 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,530             298                     820                     372                        34               13
METROPOLITAN CAS INS CO                1,7            1,078             447                     867                     184                        28                8
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,020             350                     746                     110                        22                2
NATIONWIDE INS CO OF AMER              1,7            1,507             374                     634                     453                        15               29
NEW SOUTH INS CO                        1             1,549             406                   1,273                     358                        31               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,104            1,223                  1,196                     287                        40               60
PEERLESS INS CO                         1             1,278             848                   1,232                     176                        31               10
PROGRESSIVE ADVANCED INS CO            1,7             647                74                    419                     189                        21               32
PROGRESSIVE CASUALTY INS CO            1,7             684              117                     477                     230                        23               35
SENTINEL INS CO                       1,3,7           1,438             159                   1,438                       75 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,524             113                     997                     359 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,308             108                     855                     306 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,226             160                     644                     334                        10               26
UNITED SERVICES AUTO ASSOC            1,5,7            590              164                     520                     158                        12               12
USAA CASUALTY INS CO                  1,5,7            430              415                     677                     134                         9                7
UTICA NATL INS CO OF TEXAS              1              766              453                     662                     286                        15               25
                                                                       TERRITORY 19 - QUEENS URBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                          RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,598            1,465                  1,543                     368                        26               50
ADIRONDACK INS EXCH                     1             1,094               70                    518                     294                        14               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,788             248                   1,166                     518                        20               12
ALLSTATE PROP & CAS INS CO             1,7             977              142                     446                     321                         0                9
AMICA MUT INS CO                       1,7             745              366                     988                     210                        13               13
CHUBB IND CO                            2             1,241             473                   1,111                     332 See Note 2                              44

COUNTRYWIDE INS CO                      1              843              813                     758                     244                        15               10
ELECTRIC INS CO                         7              751              841                   1,192                     205                        11               15
ERIE INS CO                            1,7             882              715                     910                     187                        30               16
ESURANCE INS CO                        1,7            2,562             342                   2,090                     164                        40               38
EVEREADY INS CO                                       1,409             675                   1,022                     374                        27               22
GEICO GENERAL INS CO                   1,7             368                90                    413                     108                         5               25
GEICO IND CO                           1,7            1,341             227                     628                     268                        26               39
GOVERNMENT EMPLOYEES INS CO            1,7             368                90                    413                     108                         5               25
GREAT NORTHERN INS CO                   2             1,370             393                   1,145                     378 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,162             318                     862                     234                        14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,166             344                   1,020                     253 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,334             190                     644                     364                        34               13
METROPOLITAN CAS INS CO                1,7            1,078             447                     867                     184                        28                8
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,020             350                     746                     110                        22                2
NATIONWIDE INS CO OF AMER              1,7            1,319             288                     562                     418                        13               29
NEW SOUTH INS CO                        1             1,348             265                   1,105                     326                        27               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,104            1,223                  1,196                     287                        40               60
PEERLESS INS CO                         1             1,278             848                   1,232                     176                        40               10
PROGRESSIVE ADVANCED INS CO            1,7             601                63                    368                     178                        20               32
PROGRESSIVE CASUALTY INS CO            1,7             632              106                     426                     216                        22               35
SENTINEL INS CO                       1,3,7           1,339             130                   1,459                       74 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,524             113                     997                     359 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,308             108                     855                     306 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,225             135                     703                     353                        10               23
UNITED SERVICES AUTO ASSOC            1,5,7            590              164                     520                     158                        12               12
USAA CASUALTY INS CO                  1,5,7            430              415                     677                     134                         9                7
UTICA NATL INS CO OF TEXAS              1              766              453                     662                     286                        15               25
                                                                          TERRITORY 20 - HEMPSTEAD
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    2,849             552                   2,901                     636                         59               50
ADIRONDACK INS EXCH                     1             2,928             262                   2,732                     722                         64               48
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,976             624                   2,652                     870                         70                8
ALLSTATE PROP & CAS INS CO             1,7            1,503             250                   1,576                     363                          4               12
AMICA MUT INS CO                       1,7            2,158             420                   2,190                     697                         39               13
CHUBB IND CO                            2             2,538             368                   1,985                     680 See Note 2                               44

COUNTRYWIDE INS CO                      1             1,496             350                   1,145                     412                         32               10
ELECTRIC INS CO                         7             2,405             942                   2,487                     553                         44               50
ERIE INS CO                            1,7            2,160             558                   2,281                     323                         78               16
ESURANCE INS CO                        1,7            4,752             576                   4,732                     448                        124               72
EVEREADY INS CO                                       2,689             280                   1,724                     666                         53               22
GEICO GENERAL INS CO                   1,7            1,504             133                   1,274                     334                         22               25
GEICO IND CO                           1,7            2,160             146                   1,352                     422                         59               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,504             133                   1,274                     334                         22               25
GREAT NORTHERN INS CO                   2             2,663             293                   1,895                     742 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             3,016             356                   2,070                     472                         38               12
LIBERTY MUT FIRE INS CO               1,2,7           2,288             286                   2,129                     452 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,610             478                   1,404                     376                         60               13
METROPOLITAN CAS INS CO                1,7            3,848             434                   2,709                     528                        107               34
METROPOLITAN GRP PROP & CAS INS CO     1,7            3,592             372                   2,718                     284                         94               22
NATIONWIDE INS CO OF AMER              1,7            2,685             277                   1,914                     677                         53               29
NEW SOUTH INS CO                        1             3,017             543                   2,511                     714                         73               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,484             326                   1,516                     377                         65               55
PEERLESS INS CO                         1             2,465            1,198                  2,176                     267                         62               10
PROGRESSIVE ADVANCED INS CO            1,7            3,004             370                   2,377                     992                        124               32
PROGRESSIVE CASUALTY INS CO            1,7            3,404             426                   2,477                   1,290                        139               35
SENTINEL INS CO                       1,3,7           2,766             313                   2,341                       84 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           3,022             231                   2,346                     641 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           2,592             220                   2,011                     548 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,583             214                   1,753                     739                         24               72
UNITED SERVICES AUTO ASSOC            1,5,7           1,500             284                   1,120                     396                         34               12
USAA CASUALTY INS CO                  1,5,7           1,057             739                   1,470                     303                         26                7
UTICA NATL INS CO OF TEXAS              1             2,256             450                   1,267                     727                         52               25
                                                                         TERRITORY 20 - HEMPSTEAD
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    1,894            552                   1,981                     442                         39               50
ADIRONDACK INS EXCH                     1             2,774            190                   1,764                     656                         58               52
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,204            412                   1,694                     684                         50               12
ALLSTATE PROP & CAS INS CO             1,7            1,501            186                   1,158                     303                          4               12
AMICA MUT INS CO                       1,7            1,539            247                   1,546                     502                         28               13
CHUBB IND CO                            2             1,983            311                   1,530                     529 See Note 2                               44

COUNTRYWIDE INS CO                      1              716             350                     508                     210                         16               10
ELECTRIC INS CO                         7             1,356            534                   1,383                     337                         25               27
ERIE INS CO                            1,7            1,027            361                   1,078                     200                         38               16
ESURANCE INS CO                        1,7            4,090            372                   2,986                     324                         86               78
EVEREADY INS CO                                       1,797            280                   1,162                     463                         36               22
GEICO GENERAL INS CO                   1,7            1,260            121                     977                     266                         17               25
GEICO IND CO                           1,7            1,805            129                   1,048                     360                         50               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,260            121                     977                     266                         17               25
GREAT NORTHERN INS CO                   2             2,080            250                   1,461                     572 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             1,534            180                   1,050                     280                         20               12
LIBERTY MUT FIRE INS CO               1,2,7           1,539            170                   1,408                     314 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,378            336                     914                     286                         44               13
METROPOLITAN CAS INS CO                1,7            2,975            319                   2,080                     414                         84               26
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,350            300                   1,764                     194                         60               16
NATIONWIDE INS CO OF AMER              1,7            2,310            196                   1,458                     528                         40               29
NEW SOUTH INS CO                        1             2,823            382                   1,660                     578                         57               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,289            295                   1,283                     326                         54               55
PEERLESS INS CO                         1             1,822            714                   1,597                     212                         54               10
PROGRESSIVE ADVANCED INS CO            1,7            2,648            275                   1,906                     805                        113               32
PROGRESSIVE CASUALTY INS CO            1,7            2,970            327                   1,996                   1,041                        127               35
SENTINEL INS CO                       1,3,7           2,615            235                   1,949                       77 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,488            174                   1,929                     540 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           2,133            165                   1,654                     461 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,545            164                   1,673                     682                         21               79
UNITED SERVICES AUTO ASSOC            1,5,7            867             151                     640                     236                         19               12
USAA CASUALTY INS CO                  1,5,7            621             378                     836                     189                         15                7
UTICA NATL INS CO OF TEXAS              1             1,779            259                     994                     582                         41               25
                                                                         TERRITORY 20 - HEMPSTEAD
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,728            552                   1,572                     409                        36               50
ADIRONDACK INS EXCH                     1              804               62                    400                     162                        12               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,880            304                     790                     432                        26               12
ALLSTATE PROP & CAS INS CO             1,7             877             112                     458                     199                         4                9
AMICA MUT INS CO                       1,7             765             271                     741                     213                        13               13
CHUBB IND CO                            2             1,440            288                   1,084                     378 See Note 2                              44

COUNTRYWIDE INS CO                      1              786             350                     560                     228                        16               10
ELECTRIC INS CO                         7              934             507                     936                     250                        16               18
ERIE INS CO                            1,7             664             231                     692                     161                        23               16
ESURANCE INS CO                        1,7            2,718            288                   1,396                       80                       40               66
EVEREADY INS CO                                       1,713            280                     957                     444                        33               22
GEICO GENERAL INS CO                   1,7             520               51                    384                     109                         6               25
GEICO IND CO                           1,7            1,213            112                     676                     257                        33               33
GOVERNMENT EMPLOYEES INS CO            1,7             520               51                    384                     109                         6               25
GREAT NORTHERN INS CO                   2             1,507            232                   1,036                     407 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              958             126                     652                     208                        12               12
LIBERTY MUT FIRE INS CO               1,2,7           1,202            160                   1,083                     251 See Note 2                              37
MERCURY CASUALTY CO                    1,7             902             224                     582                     170                        22               13
METROPOLITAN CAS INS CO                1,7            1,482            165                   1,011                     217                        39               10
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,504            214                   1,114                     136                        36               10
NATIONWIDE INS CO OF AMER              1,7            1,110            157                     643                     262                        17               29
NEW SOUTH INS CO                        1             1,424            235                     756                     276                        25               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,059            253                     804                     243                        39               55
PEERLESS INS CO                         1             1,121            689                     966                     153                        26               10
PROGRESSIVE ADVANCED INS CO            1,7             853             118                     508                     219                        28               32
PROGRESSIVE CASUALTY INS CO            1,7             915             163                     569                     278                        31               35
SENTINEL INS CO                       1,3,7           1,118            136                     636                       60 See Note 3                              0
STATE FARM FIRE AND CAS CO            1,4,7           1,442            117                   1,115                     344 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,238            112                     956                     293 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            774               91                    405                     188                         5               25
UNITED SERVICES AUTO ASSOC            1,5,7            696             139                     509                     191                        15               12
USAA CASUALTY INS CO                  1,5,7            504             347                     663                     158                        11                7
UTICA NATL INS CO OF TEXAS              1              827             255                     451                     285                        18               25
                                                                         TERRITORY 20 - HEMPSTEAD
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,728            552                   1,572                     409                        36               50
ADIRONDACK INS EXCH                     1              814               56                    422                     160                        12               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,752            250                     808                     416                        24               12
ALLSTATE PROP & CAS INS CO             1,7             877             112                     458                     199                         4                9
AMICA MUT INS CO                       1,7             765             235                     741                     218                        13               13
CHUBB IND CO                            2             1,440            288                   1,084                     378 See Note 2                              44

COUNTRYWIDE INS CO                      1              786             350                     560                     228                        16               10
ELECTRIC INS CO                         7              958             462                     962                     255                        15               19
ERIE INS CO                            1,7             664             231                     692                     161                        23               16
ESURANCE INS CO                        1,7            2,494            266                   1,396                       82                       40               56
EVEREADY INS CO                                       1,713            280                     957                     444                        33               22
GEICO GENERAL INS CO                   1,7             520               51                    384                     109                         6               25
GEICO IND CO                           1,7            1,153            112                     642                     247                        31               33
GOVERNMENT EMPLOYEES INS CO            1,7             520               51                    384                     109                         6               25
GREAT NORTHERN INS CO                   2             1,507            232                   1,036                     407 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              958             126                     652                     208                        12               12
LIBERTY MUT FIRE INS CO               1,2,7           1,202            160                   1,083                     251 See Note 2                              37
MERCURY CASUALTY CO                    1,7             926             202                     534                     166                        24               13
METROPOLITAN CAS INS CO                1,7            1,482            165                   1,011                     217                        39               10
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,504            214                   1,114                     136                        36               10
NATIONWIDE INS CO OF AMER              1,7            1,195            144                     643                     262                        17               29
NEW SOUTH INS CO                        1             1,370            207                     735                     260                        23               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,059            253                     804                     243                        39               55
PEERLESS INS CO                         1             1,121            627                     966                     153                        39               10
PROGRESSIVE ADVANCED INS CO            1,7             907             121                     558                     243                        29               32
PROGRESSIVE CASUALTY INS CO            1,7             980             166                     620                     308                        33               35
SENTINEL INS CO                       1,3,7           1,101            121                     658                       58 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,442            117                   1,115                     344 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,238            112                     956                     293 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            811               86                    414                     189                         4               27
UNITED SERVICES AUTO ASSOC            1,5,7            696             139                     509                     191                        15               12
USAA CASUALTY INS CO                  1,5,7            504             347                     663                     158                        11                7
UTICA NATL INS CO OF TEXAS              1              827             255                     451                     285                        18               25
                                                                         TERRITORY 20 - HEMPSTEAD
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,559            552                   1,494                     374                        32               50
ADIRONDACK INS EXCH                     1              876               50                    408                     182                        14               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,994            192                     738                     482                        30               10
ALLSTATE PROP & CAS INS CO             1,7             939               80                    404                     237                         0                9
AMICA MUT INS CO                       1,7             703             166                     677                     204                        11               13
CHUBB IND CO                            2             1,170            221                     861                     303 See Note 2                              44

COUNTRYWIDE INS CO                      1              716             350                     508                     210                        16               10
ELECTRIC INS CO                         7              795             317                     790                     222                        14               16
ERIE INS CO                            1,7             681             235                     710                     164                        23               16
ESURANCE INS CO                        1,7            2,502            236                   1,518                     156                        50               48
EVEREADY INS CO                                       1,502            280                     910                     398                        29               22
GEICO GENERAL INS CO                   1,7             448               40                    329                       96                        6               25
GEICO IND CO                           1,7            1,213            112                     676                     257                        33               33
GOVERNMENT EMPLOYEES INS CO            1,7             448               40                    329                       96                        6               25
GREAT NORTHERN INS CO                   2             1,222            179                     824                     325 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              958             120                     652                     208                        12               12
LIBERTY MUT FIRE INS CO               1,2,7            982             137                     870                     211 See Note 2                              37
MERCURY CASUALTY CO                    1,7             990             150                     556                     214                        32               13
METROPOLITAN CAS INS CO                1,7            1,217            153                     820                     179                        29               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,164            160                     854                     110                        30                8
NATIONWIDE INS CO OF AMER              1,7            1,166            126                     682                     275                        18               29
NEW SOUTH INS CO                        1             1,545            158                     783                     357                        34               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             988             190                     796                     242                        39               55
PEERLESS INS CO                         1             1,136            496                     980                     153                        28               10
PROGRESSIVE ADVANCED INS CO            1,7             868               89                    533                     236                        30               32
PROGRESSIVE CASUALTY INS CO            1,7             938             133                     594                     299                        34               35
SENTINEL INS CO                       1,3,7           1,141              75                    712                       56 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,269              98                    979                     310 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,089              93                    839                     264 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,007              69                    563                     247                         7               30
UNITED SERVICES AUTO ASSOC            1,5,7            551               93                    400                     155                        12               12
USAA CASUALTY INS CO                  1,5,7            404             222                     519                     132                         9                7
UTICA NATL INS CO OF TEXAS              1              698             148                     375                     246                        15               25
                                                                         TERRITORY 20 - HEMPSTEAD
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                         RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,559            552                   1,494                     374                        32               50
ADIRONDACK INS EXCH                     1              922               32                    412                     202                        18               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,650            106                     772                     444                        26               12
ALLSTATE PROP & CAS INS CO             1,7             939               80                    404                     237                         0                9
AMICA MUT INS CO                       1,7             703             166                     677                     204                        11               13
CHUBB IND CO                            2             1,170            221                     861                     303 See Note 2                              44

COUNTRYWIDE INS CO                      1              716             350                     508                     210                        16               10
ELECTRIC INS CO                         7              795             317                     790                     222                        14               16
ERIE INS CO                            1,7             681             235                     710                     164                        23               16
ESURANCE INS CO                        1,7            2,240            132                   1,330                     150                        46               38
EVEREADY INS CO                                       1,502            280                     910                     398                        29               22
GEICO GENERAL INS CO                   1,7             448               40                    329                       96                        6               25
GEICO IND CO                           1,7            1,213            112                     676                     257                        33               33
GOVERNMENT EMPLOYEES INS CO            1,7             448               40                    329                       96                        6               25
GREAT NORTHERN INS CO                   2             1,222            179                     824                     325 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              958             120                     652                     208                        12               12
LIBERTY MUT FIRE INS CO               1,2,7            982             137                     870                     211 See Note 2                              37
MERCURY CASUALTY CO                    1,7             882             102                     440                     210                        32               13
METROPOLITAN CAS INS CO                1,7            1,217            153                     820                     179                        29               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,164            160                     854                     110                        30                8
NATIONWIDE INS CO OF AMER              1,7            1,026            102                     604                     249                        16               29
NEW SOUTH INS CO                        1             1,347            113                     682                     323                        30               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7             988             190                     796                     242                        39               55
PEERLESS INS CO                         1             1,136            496                     980                     153                        39               10
PROGRESSIVE ADVANCED INS CO            1,7             803               76                    469                     220                        29               32
PROGRESSIVE CASUALTY INS CO            1,7             865             119                     528                     279                        32               35
SENTINEL INS CO                       1,3,7           1,068              61                    723                       56 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,269              98                    979                     310 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,089              93                    839                     264 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,003              59                    613                     260                         9               27
UNITED SERVICES AUTO ASSOC            1,5,7            551               93                    400                     155                        12               12
USAA CASUALTY INS CO                  1,5,7            404             222                     519                     132                         9                7
UTICA NATL INS CO OF TEXAS              1              698             148                     375                     246                        15               25
                                                                         TERRITORY 32 - NEWBURGH
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                                 UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,778            313                   2,617                     399                        52               50
ADIRONDACK INS EXCH                     1             1,924            186                   2,118                     434                        50               30
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,508            400                   1,854                     446                        60               14
ALLSTATE PROP & CAS INS CO             1,7             709             324                   1,326                     145                         4               12
AMICA MUT INS CO                       1,7            1,494            142                   1,339                     389                        34               13
CHUBB IND CO                            2             1,573            404                   1,623                     409 See Note 2                              44

COUNTRYWIDE INS CO                      1              863             224                   1,164                     244                        20               10
ELECTRIC INS CO                         7             1,628            433                   2,270                     300                        30               50
ERIE INS CO                            1,7            1,412            508                   1,724                     203                        47               16
ESURANCE INS CO                        1,7            3,006            424                   3,880                     232                        92               72
EVEREADY INS CO                                       2,334            200                   1,591                     553                        43               22
GEICO GENERAL INS CO                   1,7            1,044              95                  1,272                     181                        19               25
GEICO IND CO                           1,7            1,523            118                   1,368                     249                        49               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,044              95                  1,272                     181                        19               25
GREAT NORTHERN INS CO                   2             1,018            211                   1,099                     255 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,674            240                   1,616                     196                        18               12
LIBERTY MUT FIRE INS CO               1,2,7           1,715            309                   2,378                     326 See Note 2                              37
MERCURY CASUALTY CO                    1,7             940             202                   1,168                     218                        38               13
METROPOLITAN CAS INS CO                1,7            2,422            280                   1,922                     289                        72               31
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,722            358                   2,056                     232                        70               24
NATIONWIDE INS CO OF AMER              1,7            1,825            260                   1,528                     494                        34               29
NEW SOUTH INS CO                        1             1,479            233                   1,887                     287                        66               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,032            177                   1,055                     266                        45               37
PEERLESS INS CO                         1             1,774            268                   1,523                     184                        44               10
PROGRESSIVE ADVANCED INS CO            1,7            1,617            306                   1,851                     495                        80               32
PROGRESSIVE CASUALTY INS CO            1,7            1,793            359                   1,940                     634                        90               35
SENTINEL INS CO                       1,3,7           1,566            215                   1,726                       46 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,904            382                   1,745                     347 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,633            364                   1,496                     298 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,469            229                   1,711                     402                        18               65
UNITED SERVICES AUTO ASSOC            1,5,7            822             114                     727                     176                        18               12
USAA CASUALTY INS CO                  1,5,7            677             344                   1,181                     164                        17                7
UTICA NATL INS CO OF TEXAS              1             1,125            212                   1,377                     312                        24               25
                                                                         TERRITORY 32 - NEWBURGH
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,184            313                   1,787                     285                        35               50
ADIRONDACK INS EXCH                     1             1,832            136                   1,366                     394                        42               32
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,044            264                   1,186                     350                        44               10
ALLSTATE PROP & CAS INS CO             1,7             689             242                     974                     129                         4               12
AMICA MUT INS CO                       1,7            1,072              88                    949                     280                        25               13
CHUBB IND CO                            2             1,251            341                   1,256                     317 See Note 2                              44

COUNTRYWIDE INS CO                      1              418             224                     517                     130                        10               10
ELECTRIC INS CO                         7             1,040            247                   1,423                     200                        18               31
ERIE INS CO                            1,7             675             328                     816                     130                        23               16
ESURANCE INS CO                        1,7            2,592            274                   2,448                     166                        66               78
EVEREADY INS CO                                       1,564            200                   1,074                     391                        29               22
GEICO GENERAL INS CO                   1,7             874               87                    975                     144                        15               25
GEICO IND CO                           1,7            1,274            104                   1,060                     213                        41               33
GOVERNMENT EMPLOYEES INS CO            1,7             874               87                    975                     144                        15               25
GREAT NORTHERN INS CO                   2              829             181                     858                     201 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              852             122                     818                     110                        10               12
LIBERTY MUT FIRE INS CO               1,2,7           1,020            182                   1,370                     196 See Note 2                              37
MERCURY CASUALTY CO                    1,7             806             148                     764                     168                        26               13
METROPOLITAN CAS INS CO                1,7            1,879            209                   1,477                     230                        54               25
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,784            288                   1,336                     158                        48               12
NATIONWIDE INS CO OF AMER              1,7            1,549            184                   1,166                     381                        26               29
NEW SOUTH INS CO                        1             1,308            171                   1,252                     242                        52               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7             896             161                     893                     231                        39               37
PEERLESS INS CO                         1             1,113            161                     942                     131                        39               10
PROGRESSIVE ADVANCED INS CO            1,7            1,435            227                   1,484                     405                        73               32
PROGRESSIVE CASUALTY INS CO            1,7            1,573            277                   1,565                     515                        81               35
SENTINEL INS CO                       1,3,7           1,515            161                   1,436                       43 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,543            275                   1,412                     287 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,324            262                   1,210                     246 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,438            176                   1,633                     372                        16               72
UNITED SERVICES AUTO ASSOC            1,5,7            487               66                    420                     105                        10               12
USAA CASUALTY INS CO                  1,5,7            408             181                     674                     101                         9                7
UTICA NATL INS CO OF TEXAS              1              898             124                   1,083                     253                        19               25
                                                                         TERRITORY 32 - NEWBURGH
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,083            313                   1,418                     266                        32               50
ADIRONDACK INS EXCH                     1              572               46                    310                     100                        10               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,212            192                     558                     218                        20               10
ALLSTATE PROP & CAS INS CO             1,7             423             146                     386                       89                        2                9
AMICA MUT INS CO                       1,7             546               94                    462                     122                        12               13
CHUBB IND CO                            2              934             316                     895                     228 See Note 2                              44

COUNTRYWIDE INS CO                      1              459             224                     569                     140                        10               10
ELECTRIC INS CO                         7              644             235                     854                     132                        11               18
ERIE INS CO                            1,7             439             210                     524                     108                        14               16
ESURANCE INS CO                        1,7            1,752            212                   1,144                       42                       30               66
EVEREADY INS CO                                       1,488            200                     885                     375                        28               22
GEICO GENERAL INS CO                   1,7             362               37                    384                       59                        6               25
GEICO IND CO                           1,7             857               90                    684                     153                        27               33
GOVERNMENT EMPLOYEES INS CO            1,7             362               37                    384                       59                        6               25
GREAT NORTHERN INS CO                   2              643             170                     623                     148 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              534               86                    510                       74                        6               12
LIBERTY MUT FIRE INS CO               1,2,7            803             174                   1,055                     155 See Note 2                              37
MERCURY CASUALTY CO                    1,7             534             106                     490                     104                        14               13
METROPOLITAN CAS INS CO                1,7             954             114                     722                     119                        27               13
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,140            204                     846                     108                        30               12
NATIONWIDE INS CO OF AMER              1,7             759             148                     521                     178                        11               29
NEW SOUTH INS CO                        1              657             115                     577                     125                        23               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             735             138                     561                     177                        28               37
PEERLESS INS CO                         1              637             157                     519                       91                       16               10
PROGRESSIVE ADVANCED INS CO            1,7             482               97                    396                     115                        18               32
PROGRESSIVE CASUALTY INS CO            1,7             496             142                     454                     140                        20               35
SENTINEL INS CO                       1,3,7            688               94                    469                       35 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            842             175                     766                     170 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            724             167                     656                     145 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            470             108                     393                     113                         3               23
UNITED SERVICES AUTO ASSOC            1,5,7            395               61                    336                       86                        8               12
USAA CASUALTY INS CO                  1,5,7            335             166                     536                       83                        7                7
UTICA NATL INS CO OF TEXAS              1              397             122                     442                     121                         8               25
                                                                         TERRITORY 32 - NEWBURGH
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,083            313                   1,418                     266                        32               50
ADIRONDACK INS EXCH                     1              578               40                    326                       98                       10               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,126            162                     568                     210                        22               12
ALLSTATE PROP & CAS INS CO             1,7             423             146                     386                       89                        2                9
AMICA MUT INS CO                       1,7             546               84                    462                     122                        12               13
CHUBB IND CO                            2              934             316                     895                     228 See Note 2                              44

COUNTRYWIDE INS CO                      1              459             224                     569                     140                        10               10
ELECTRIC INS CO                         7              658             214                     877                     136                        13               20
ERIE INS CO                            1,7             439             210                     524                     108                        14               16
ESURANCE INS CO                        1,7            1,618            196                   1,144                       42                       30               56
EVEREADY INS CO                                       1,488            200                     885                     375                        28               22
GEICO GENERAL INS CO                   1,7             362               37                    384                       59                        6               25
GEICO IND CO                           1,7             816               90                    650                     147                        26               33
GOVERNMENT EMPLOYEES INS CO            1,7             362               37                    384                       59                        6               25
GREAT NORTHERN INS CO                   2              643             170                     623                     148 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              534               86                    510                       74                        6               12
LIBERTY MUT FIRE INS CO               1,2,7            803             174                   1,055                     155 See Note 2                              37
MERCURY CASUALTY CO                    1,7             548               98                    450                     102                        14               13
METROPOLITAN CAS INS CO                1,7             954             114                     722                     119                        27               13
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,140            204                     846                     108                        30               12
NATIONWIDE INS CO OF AMER              1,7             807             136                     521                     178                        11               29
NEW SOUTH INS CO                        1              628             104                     562                     120                        21               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             735             138                     561                     177                        28               37
PEERLESS INS CO                         1              637             144                     519                       91                       28               10
PROGRESSIVE ADVANCED INS CO            1,7             511             100                     434                     125                        19               32
PROGRESSIVE CASUALTY INS CO            1,7             530             144                     494                     154                        21               35
SENTINEL INS CO                       1,3,7            685               83                    485                       34 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            842             175                     766                     170 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            724             167                     656                     145 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            490             101                     402                     114                         4               26
UNITED SERVICES AUTO ASSOC            1,5,7            395               61                    336                       86                        8               12
USAA CASUALTY INS CO                  1,5,7            335             166                     536                       83                        7                7
UTICA NATL INS CO OF TEXAS              1              397             122                     442                     121                         8               25
                                                                         TERRITORY 32 - NEWBURGH
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                     977             313                   1,347                     246                        28               50
ADIRONDACK INS EXCH                     1              618               36                    318                     112                        10               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,274            124                     520                     248                        26               12
ALLSTATE PROP & CAS INS CO             1,7             445             104                     346                     103                         2                9
AMICA MUT INS CO                       1,7             504               62                    423                     109                        11               13
CHUBB IND CO                            2              774             241                     715                     183 See Note 2                              44

COUNTRYWIDE INS CO                      1              418             224                     517                     130                        10               10
ELECTRIC INS CO                         7              551             148                     722                     116                        10               15
ERIE INS CO                            1,7             449             213                     536                     110                        13               16
ESURANCE INS CO                        1,7            1,626            174                   1,244                       80                       38               48
EVEREADY INS CO                                       1,305            200                     840                     337                        25               22
GEICO GENERAL INS CO                   1,7             314               29                    329                       52                        5               25
GEICO IND CO                           1,7             857               90                    684                     153                        27               33
GOVERNMENT EMPLOYEES INS CO            1,7             314               29                    329                       52                        5               25
GREAT NORTHERN INS CO                   2              551             134                     504                     121 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              534               82                    510                       74                        6               12
LIBERTY MUT FIRE INS CO               1,2,7            646             144                     828                     125 See Note 2                              37
MERCURY CASUALTY CO                    1,7             586               78                    468                     128                        20               13
METROPOLITAN CAS INS CO                1,7             791             106                     588                     100                        20                8
METROPOLITAN GRP PROP & CAS INS CO     1,7             890             152                     648                       86                       18                6
NATIONWIDE INS CO OF AMER              1,7             796             119                     552                     188                        11               29
NEW SOUTH INS CO                        1              760               85                    597                     152                        31               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             688             104                     555                     175                        28               37
PEERLESS INS CO                         1              643             115                     526                       94                       15               10
PROGRESSIVE ADVANCED INS CO            1,7             493               73                    415                     123                        20               32
PROGRESSIVE CASUALTY INS CO            1,7             511             117                     473                     150                        21               35
SENTINEL INS CO                       1,3,7            697               51                    525                       34 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            742             146                     673                     153 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            637             139                     577                     130 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            658               84                    482                     142                         5               38
UNITED SERVICES AUTO ASSOC            1,5,7            319               45                    267                       70                        6               12
USAA CASUALTY INS CO                  1,5,7            273             110                     421                       69                        6                7
UTICA NATL INS CO OF TEXAS              1              348               72                    375                     107                         7               25
                                                                         TERRITORY 32 - NEWBURGH
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                         RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                     977             313                   1,347                     246                        28               50
ADIRONDACK INS EXCH                     1              644               22                    320                     124                        14               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,050              68                    542                     224                        22               12
ALLSTATE PROP & CAS INS CO             1,7             445             104                     346                     103                         2                9
AMICA MUT INS CO                       1,7             504               62                    423                     109                        11               13
CHUBB IND CO                            2              774             241                     715                     183 See Note 2                              44

COUNTRYWIDE INS CO                      1              418             224                     517                     130                        10               10
ELECTRIC INS CO                         7              551             148                     722                     116                        10               15
ERIE INS CO                            1,7             449             213                     536                     110                        13               16
ESURANCE INS CO                        1,7            1,464              98                  1,090                       78                       36               38
EVEREADY INS CO                                       1,305            200                     840                     337                        25               22
GEICO GENERAL INS CO                   1,7             314               29                    329                       52                        5               25
GEICO IND CO                           1,7             857               90                    684                     153                        27               33
GOVERNMENT EMPLOYEES INS CO            1,7             314               29                    329                       52                        5               25
GREAT NORTHERN INS CO                   2              551             134                     504                     121 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              534               82                    510                       74                        6               12
LIBERTY MUT FIRE INS CO               1,2,7            646             144                     828                     125 See Note 2                              37
MERCURY CASUALTY CO                    1,7             528               60                    372                     126                        18               13
METROPOLITAN CAS INS CO                1,7             791             106                     588                     100                        20                8
METROPOLITAN GRP PROP & CAS INS CO     1,7             890             152                     648                       86                       18                6
NATIONWIDE INS CO OF AMER              1,7             706               97                    490                     168                        10               29
NEW SOUTH INS CO                        1              674               68                    522                     141                        28               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7             688             104                     555                     175                        28               37
PEERLESS INS CO                         1              643             115                     526                       94                       28               10
PROGRESSIVE ADVANCED INS CO            1,7             460               63                    365                     115                        19               32
PROGRESSIVE CASUALTY INS CO            1,7             473             106                     422                     140                        21               35
SENTINEL INS CO                       1,3,7            658               42                    533                       34 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            742             146                     673                     153 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            637             139                     577                     130 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            652               72                    524                     149                         6               34
UNITED SERVICES AUTO ASSOC            1,5,7            319               45                    267                       70                        6               12
USAA CASUALTY INS CO                  1,5,7            273             110                     421                       69                        6                7
UTICA NATL INS CO OF TEXAS              1              348               72                    375                     107                         7               25
                                                                  TERRITORY 55 - QUEENS SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    4,220            1,089                  3,258                     873                         57               50
ADIRONDACK INS EXCH                     1             4,178             702                   3,642                   1,116                         72               82
ALLMERICA FINANCIAL ALLIANCE INS CO     1             4,580            1,100                  2,890                   1,006                         74               12
ALLSTATE PROP & CAS INS CO             1,7            1,727             318                   1,522                     546                          2               12
AMICA MUT INS CO                       1,7            2,550            1,139                  3,067                     907                         44               13
CHUBB IND CO                            2             2,687             665                   2,495                     729 See Note 2                               44

COUNTRYWIDE INS CO                      1             1,619             842                   1,515                     454                         32               10
ELECTRIC INS CO                         7             2,731            2,240                  3,694                     634                         44               50
ERIE INS CO                            1,7            2,807            1,706                  2,921                     403                         97               16
ESURANCE INS CO                        1,7            5,912            1,484                  6,310                     576                        114               72
EVEREADY INS CO                                       3,208             410                   1,853                     702                         53               22
GEICO GENERAL INS CO                   1,7            1,688             340                   1,574                     381                         20               25
GEICO IND CO                           1,7            2,434             278                   1,245                     427                         50               39
GOVERNMENT EMPLOYEES INS CO            1,7            1,688             340                   1,574                     381                         20               25
GREAT NORTHERN INS CO                   2             2,984             547                   2,537                     838 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             4,402            1,044                  3,162                     660                         58               12
LIBERTY MUT FIRE INS CO               1,2,7           3,205             795                   3,082                     279 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,842             422                   1,482                     514                         56               13
METROPOLITAN CAS INS CO                1,7            4,994            1,157                  2,694                     749                         96               32
METROPOLITAN GRP PROP & CAS INS CO     1,7            4,454             510                   2,814                     386                         90               20
NATIONWIDE INS CO OF AMER              1,7            3,301             728                   2,069                     983                         46               29
NEW SOUTH INS CO                        1             3,017             543                   2,511                     714                         73               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,767             603                   1,785                     460                         69               72
PEERLESS INS CO                         1             3,168            2,643                  3,165                     347                         76               10
PROGRESSIVE ADVANCED INS CO            1,7            2,953             741                   2,241                     987                        107               32
PROGRESSIVE CASUALTY INS CO            1,7            3,332             812                   2,338                   1,271                        119               35
SENTINEL INS CO                       1,3,7           4,049             655                   3,100                     127 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           4,385             317                   2,674                     766 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           3,761             302                   2,292                     654 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           3,217             504                   2,025                   1,019                         28               61
UNITED SERVICES AUTO ASSOC            1,5,7           1,639             565                   1,464                     414                         37               12
USAA CASUALTY INS CO                  1,5,7           1,147            1,503                  1,923                     316                         28                7
UTICA NATL INS CO OF TEXAS              1             2,042             998                   1,498                     720                         41               25
                                                                  TERRITORY 55 - QUEENS SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    2,705            1,089                  2,224                     576                         36               50
ADIRONDACK INS EXCH                     1             3,984             514                   2,350                   1,020                         64               84
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,700             724                   1,850                     778                         52               12
ALLSTATE PROP & CAS INS CO             1,7            1,751             238                   1,118                     462                          8               12
AMICA MUT INS CO                       1,7            1,813             657                   2,160                     650                         31               13
CHUBB IND CO                            2             2,098             557                   1,917                     565 See Note 2                               44

COUNTRYWIDE INS CO                      1              897              842                     783                     263                         17               10
ELECTRIC INS CO                         7             1,539            1,266                  2,051                     382                         23               27
ERIE INS CO                            1,7            1,334            1,101                  1,382                     237                         46               16
ESURANCE INS CO                        1,7            5,216             960                   3,982                     414                         82               78
EVEREADY INS CO                                       2,086             410                   1,250                     479                         34               22
GEICO GENERAL INS CO                   1,7            1,161             278                   1,045                     272                         13               25
GEICO IND CO                           1,7            2,034             246                     965                     365                         42               39
GOVERNMENT EMPLOYEES INS CO            1,7            1,161             278                   1,045                     272                         13               25
GREAT NORTHERN INS CO                   2             2,323             459                   1,947                     646 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             2,236             530                   1,602                     376                         30               12
LIBERTY MUT FIRE INS CO               1,2,7           1,964             407                   1,765                     385 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,554             300                     966                     386                         40               13
METROPOLITAN CAS INS CO                1,7            3,865             835                   2,068                     589                         74               26
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,914             416                   1,828                     262                         56               16
NATIONWIDE INS CO OF AMER              1,7            2,889             498                   1,575                     783                         35               29
NEW SOUTH INS CO                        1             2,823             382                   1,660                     578                         57               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,534             547                   1,510                     397                         59               72
PEERLESS INS CO                         1             2,335            1,572                  2,321                     272                         59               10
PROGRESSIVE ADVANCED INS CO            1,7            2,605             550                   1,797                     806                         98               32
PROGRESSIVE CASUALTY INS CO            1,7            2,908             614                   1,885                   1,029                        109               35
SENTINEL INS CO                       1,3,7           3,917             492                   2,580                     115 See Note 3                               92
STATE FARM FIRE AND CAS CO            1,4,7           3,608             238                   2,199                     643 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           3,094             227                   1,885                     550 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           3,157             385                   1,933                     938                         25               67
UNITED SERVICES AUTO ASSOC            1,5,7            946              291                     833                     245                         21               12
USAA CASUALTY INS CO                  1,5,7            673              760                   1,090                     196                         15                7
UTICA NATL INS CO OF TEXAS              1             1,611             573                   1,175                     576                         32               25
                                                                  TERRITORY 55 - QUEENS SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                               ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,402            1,089                  1,766                     517                        32               50
ADIRONDACK INS EXCH                     1             1,126             172                     532                     250                        14               26
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,158             530                     862                     478                        26               14
ALLSTATE PROP & CAS INS CO             1,7            1,023             142                     442                     322                         2                9
AMICA MUT INS CO                       1,7             893              721                   1,029                     267                        14               13
CHUBB IND CO                            2             1,519             514                   1,349                     403 See Note 2                              44

COUNTRYWIDE INS CO                      1              984              842                     863                     286                        19               10
ELECTRIC INS CO                         7             1,056            1,203                  1,386                     280                        16               19
ERIE INS CO                            1,7             860              704                     887                     184                        30               16
ESURANCE INS CO                        1,7            3,572             740                   1,860                     100                        38               66
EVEREADY INS CO                                       2,135             410                   1,029                     490                        35               22
GEICO GENERAL INS CO                   1,7             505              116                     438                     118                         5               25
GEICO IND CO                           1,7            1,369             214                     623                     262                        28               39
GOVERNMENT EMPLOYEES INS CO            1,7             505              116                     438                     118                         5               25
GREAT NORTHERN INS CO                   2             1,674             424                   1,371                     458 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,394             370                     996                     266                        18               12
LIBERTY MUT FIRE INS CO               1,2,7           1,567             393                   1,392                     315 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,004             200                     612                     224                        20               13
METROPOLITAN CAS INS CO                1,7            1,922             406                   1,003                     318                        36               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,858             308                   1,152                     178                        34               12
NATIONWIDE INS CO OF AMER              1,7            1,388             387                     692                     424                        15               29
NEW SOUTH INS CO                        1             1,424             235                     756                     276                        25               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,272             468                     947                     294                        42               72
PEERLESS INS CO                         1             1,430            1,518                  1,402                     189                        34               10
PROGRESSIVE ADVANCED INS CO            1,7             852              236                     479                     225                        23               32
PROGRESSIVE CASUALTY INS CO            1,7             910              286                     539                     278                        27               35
SENTINEL INS CO                       1,3,7           1,633             285                     842                       87 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           2,090             161                   1,271                     402 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,794             154                   1,089                     343 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            934              212                     461                     251                         5               21
UNITED SERVICES AUTO ASSOC            1,5,7            757              268                     661                     199                        16               12
USAA CASUALTY INS CO                  1,5,7            543              696                     863                     164                        12                7
UTICA NATL INS CO OF TEXAS              1              752              562                     531                     283                        15               25
                                                                  TERRITORY 55 - QUEENS SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,402            1,089                  1,766                     517                        32               50
ADIRONDACK INS EXCH                     1             1,134             154                     564                     256                        14               26
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,020             438                     880                     460                        26               10
ALLSTATE PROP & CAS INS CO             1,7            1,023             142                     442                     322                         2                9
AMICA MUT INS CO                       1,7             893              625                   1,029                     269                        14               13
CHUBB IND CO                            2             1,519             514                   1,349                     403 See Note 2                              44

COUNTRYWIDE INS CO                      1              984              842                     863                     286                        19               10
ELECTRIC INS CO                         7             1,082            1,094                  1,424                     287                        16               20
ERIE INS CO                            1,7             860              704                     887                     184                        30               16
ESURANCE INS CO                        1,7            3,234             686                   1,860                     104                        38               56
EVEREADY INS CO                                       2,135             410                   1,029                     490                        35               22
GEICO GENERAL INS CO                   1,7             505              116                     438                     118                         5               25
GEICO IND CO                           1,7            1,302             214                     592                     252                        27               39
GOVERNMENT EMPLOYEES INS CO            1,7             505              116                     438                     118                         5               25
GREAT NORTHERN INS CO                   2             1,674             424                   1,371                     458 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,394             370                     996                     266                        18               12
LIBERTY MUT FIRE INS CO               1,2,7           1,567             393                   1,392                     315 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,030             182                     562                     218                        20               13
METROPOLITAN CAS INS CO                1,7            1,922             406                   1,003                     318                        36               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,858             308                   1,152                     178                        34               12
NATIONWIDE INS CO OF AMER              1,7            1,510             351                     692                     424                        15               29
NEW SOUTH INS CO                        1             1,370             207                     735                     260                        23               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,272             468                     947                     294                        42               72
PEERLESS INS CO                         1             1,430            1,380                  1,402                     189                        42               10
PROGRESSIVE ADVANCED INS CO            1,7             906              241                     526                     247                        24               32
PROGRESSIVE CASUALTY INS CO            1,7             974              291                     587                     307                        28               35
SENTINEL INS CO                       1,3,7           1,623             253                     871                       85 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           2,090             161                   1,271                     402 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,794             154                   1,089                     343 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            978              199                     471                     253                         5               23
UNITED SERVICES AUTO ASSOC            1,5,7            757              268                     661                     199                        16               12
USAA CASUALTY INS CO                  1,5,7            543              696                     863                     164                        12                7
UTICA NATL INS CO OF TEXAS              1              752              562                     531                     283                        15               25
                                                                  TERRITORY 55 - QUEENS SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,172            1,089                  1,677                     471                        29               50
ADIRONDACK INS EXCH                     1             1,224             132                     544                     284                        18               26
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,292             336                     806                     540                        30               10
ALLSTATE PROP & CAS INS CO             1,7            1,089             104                     392                     382                         2                9
AMICA MUT INS CO                       1,7             820              433                     938                     252                        13               13
CHUBB IND CO                            2             1,230             385                   1,066                     322 See Note 2                              44

COUNTRYWIDE INS CO                      1              897              842                     783                     263                        17               10
ELECTRIC INS CO                         7              897              750                   1,169                     246                        14               16
ERIE INS CO                            1,7             882              715                     910                     187                        30               16
ESURANCE INS CO                        1,7            3,182             606                   2,024                     198                        46               48
EVEREADY INS CO                                       1,870             410                     979                     435                        31               22
GEICO GENERAL INS CO                   1,7             429                91                    381                     106                         5               25
GEICO IND CO                           1,7            1,369             374                     623                     262                        28               39
GOVERNMENT EMPLOYEES INS CO            1,7             429                91                    381                     106                         5               25
GREAT NORTHERN INS CO                   2             1,349             319                   1,083                     365 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,394             354                     996                     266                        18               12
LIBERTY MUT FIRE INS CO               1,2,7           1,246             327                   1,089                     258 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,118             136                     586                     286                        28               13
METROPOLITAN CAS INS CO                1,7            1,580             369                     814                     267                        29               10
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,288             228                     788                     134                        22                6
NATIONWIDE INS CO OF AMER              1,7            1,458             300                     734                     442                        15               29
NEW SOUTH INS CO                        1             1,545             158                     783                     357                        34               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,181             351                     938                     291                        42               72
PEERLESS INS CO                         1             1,449            1,090                  1,420                     190                        34               10
PROGRESSIVE ADVANCED INS CO            1,7             864              178                     502                     240                        26               32
PROGRESSIVE CASUALTY INS CO            1,7             928              225                     563                     299                        30               35
SENTINEL INS CO                       1,3,7           1,645             156                     943                       81 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,838             135                   1,116                     362 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,576             128                     957                     309 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,226             160                     644                     334                        10               26
UNITED SERVICES AUTO ASSOC            1,5,7            599              172                     517                     161                        12               12
USAA CASUALTY INS CO                  1,5,7            436              437                     673                     136                        10                7
UTICA NATL INS CO OF TEXAS              1              635              322                     442                     244                        12               25
                                                                  TERRITORY 55 - QUEENS SUBURBAN
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                          RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                   $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    2,172            1,089                  1,677                     471                        29               50
ADIRONDACK INS EXCH                     1             1,282               86                    552                     310                        18               24
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,898             186                     824                     486                        22               12
ALLSTATE PROP & CAS INS CO             1,7            1,089             104                     392                     382                         2                9
AMICA MUT INS CO                       1,7             820              433                     938                     252                        13               13
CHUBB IND CO                            2             1,230             385                   1,066                     322 See Note 2                              44

COUNTRYWIDE INS CO                      1              897              842                     783                     263                        17               10
ELECTRIC INS CO                         7              897              750                   1,169                     246                        14               16
ERIE INS CO                            1,7             882              715                     910                     187                        30               16
ESURANCE INS CO                        1,7            2,806             342                   1,774                     192                        44               38
EVEREADY INS CO                                       1,870             410                     979                     435                        31               22
GEICO GENERAL INS CO                   1,7             429                91                    381                     106                         5               25
GEICO IND CO                           1,7            1,369             374                     623                     262                        28               39
GOVERNMENT EMPLOYEES INS CO            1,7             429                91                    381                     106                         5               25
GREAT NORTHERN INS CO                   2             1,349             319                   1,083                     365 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,394             354                     996                     266                        18               12
LIBERTY MUT FIRE INS CO               1,2,7           1,246             327                   1,089                     258 See Note 2                              37
MERCURY CASUALTY CO                    1,7            1,000               94                    464                     282                        28               13
METROPOLITAN CAS INS CO                1,7            1,580             369                     814                     267                        29               10
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,288             228                     788                     134                        22                6
NATIONWIDE INS CO OF AMER              1,7            1,276             233                     650                     407                        14               29
NEW SOUTH INS CO                        1             1,347             113                     682                     323                        30               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,181             351                     938                     291                        42               72
PEERLESS INS CO                         1             1,449            1,090                  1,420                     190                        42               10
PROGRESSIVE ADVANCED INS CO            1,7             798              152                     442                     226                        25               32
PROGRESSIVE CASUALTY INS CO            1,7             854              199                     501                     278                        28               35
SENTINEL INS CO                       1,3,7           1,530             128                     957                       81 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,838             135                   1,116                     362 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,576             128                     957                     309 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,225             135                     703                     353                        10               23
UNITED SERVICES AUTO ASSOC            1,5,7            599              172                     517                     161                        12               12
USAA CASUALTY INS CO                  1,5,7            436              437                     673                     136                        10                7
UTICA NATL INS CO OF TEXAS              1              635              322                     442                     244                        12               25
                                                                         TERRITORY 64 - MIDDLETOWN
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                                 UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,411            365                   2,928                     344                        44               50
ADIRONDACK INS EXCH                     1             1,824            204                   2,138                     392                        44               30
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,446            442                   1,716                     426                        58               14
ALLSTATE PROP & CAS INS CO             1,7             709             324                   1,326                     145                         4               12
AMICA MUT INS CO                       1,7            1,490            163                   1,409                     417                        29               13
CHUBB IND CO                            2             1,618            397                   1,922                     412 See Note 2                              44

COUNTRYWIDE INS CO                      1              888             199                   1,030                     253                        18               10
ELECTRIC INS CO                         7             1,519            539                   2,078                     283                        25               49
ERIE INS CO                            1,7            1,412            508                   1,724                     203                        47               16
ESURANCE INS CO                        1,7            2,760            518                   4,108                     232                        70               72
EVEREADY INS CO                                       1,910            248                   1,551                     443                        39               22
GEICO GENERAL INS CO                   1,7             958             126                   1,139                     158                        16               25
GEICO IND CO                           1,7            1,298            154                   1,325                     222                        45               33
GOVERNMENT EMPLOYEES INS CO            1,7             958             126                   1,139                     158                        16               25
GREAT NORTHERN INS CO                   2             1,145            181                   1,437                     284 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7             1,674            240                   1,616                     196                        18               12
LIBERTY MUT FIRE INS CO               1,2,7           1,647            317                   2,232                     314 See Note 2                              37
MERCURY CASUALTY CO                    1,7             888             202                   1,050                     198                        38               13
METROPOLITAN CAS INS CO                1,7            2,348            348                   1,984                     288                        59               35
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,558            396                   1,972                     212                        64               22
NATIONWIDE INS CO OF AMER              1,7            1,825            260                   1,528                     494                        34               29
NEW SOUTH INS CO                        1             1,825            518                   2,351                     416                        49               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,042            175                   1,132                     242                        42               45
PEERLESS INS CO                         1             1,342            336                   1,439                     156                        30               10
PROGRESSIVE ADVANCED INS CO            1,7            1,626            390                   1,800                     545                        75               32
PROGRESSIVE CASUALTY INS CO            1,7            1,815            447                   1,888                     703                        84               35
SENTINEL INS CO                       1,3,7           1,853            342                   2,034                       50 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,904            382                   1,745                     347 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,633            364                   1,496                     298 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,517            267                   1,305                     378                        19               66
UNITED SERVICES AUTO ASSOC            1,5,7            937             164                     981                     211                        22               12
USAA CASUALTY INS CO                  1,5,7            664             413                   1,285                     160                        16                7
UTICA NATL INS CO OF TEXAS              1             1,373            261                   1,498                     345                        29               25
                                                                         TERRITORY 64 - MIDDLETOWN
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                     942             365                   2,000                     248                        29               50
ADIRONDACK INS EXCH                     1             1,742            150                   1,382                     358                        38               32
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,020            292                   1,096                     332                        42               12
ALLSTATE PROP & CAS INS CO             1,7             689             242                     974                     129                         4               12
AMICA MUT INS CO                       1,7            1,069              99                    998                     301                        22               13
CHUBB IND CO                            2             1,285            336                   1,483                     318 See Note 2                              44

COUNTRYWIDE INS CO                      1              430             199                     457                     135                         9               10
ELECTRIC INS CO                         7              972             306                   1,304                     188                        17               31
ERIE INS CO                            1,7             675             328                     816                     130                        23               16
ESURANCE INS CO                        1,7            2,418            334                   2,592                     166                        50               78
EVEREADY INS CO                                       1,285            248                   1,049                     317                        24               22
GEICO GENERAL INS CO                   1,7             810             114                     874                     125                        12               25
GEICO IND CO                           1,7            1,086            136                   1,027                     190                        37               33
GOVERNMENT EMPLOYEES INS CO            1,7             810             114                     874                     125                        12               25
GREAT NORTHERN INS CO                   2              925             157                   1,114                     223 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              852             122                     818                     110                        10               12
LIBERTY MUT FIRE INS CO               1,2,7            981             187                   1,287                     188 See Note 2                              37
MERCURY CASUALTY CO                    1,7             752             148                     690                     154                        26               13
METROPOLITAN CAS INS CO                1,7            1,827            258                   1,526                     228                        45               27
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,678            318                   1,284                     146                        40               16
NATIONWIDE INS CO OF AMER              1,7            1,549            184                   1,166                     381                        26               29
NEW SOUTH INS CO                        1             1,709            365                   1,556                     343                        39               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7             909             159                     958                     211                        35               45
PEERLESS INS CO                         1              849             202                     891                     113                        35               10
PROGRESSIVE ADVANCED INS CO            1,7            1,437            290                   1,443                     446                        69               32
PROGRESSIVE CASUALTY INS CO            1,7            1,585            342                   1,523                     570                        77               35
SENTINEL INS CO                       1,3,7           1,786            257                   1,692                       46 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,543            275                   1,412                     287 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,324            262                   1,210                     246 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,491            206                   1,246                     350                        17               74
UNITED SERVICES AUTO ASSOC            1,5,7            551               91                    562                     125                        12               12
USAA CASUALTY INS CO                  1,5,7            400             215                     733                       98                        9                7
UTICA NATL INS CO OF TEXAS              1             1,090            152                   1,177                     279                        23               25
                                                                         TERRITORY 64 - MIDDLETOWN
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                     862             365                   1,588                     232                        26               50
ADIRONDACK INS EXCH                     1              554               50                    314                       90                       10               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,214            214                     514                     214                        22               14
ALLSTATE PROP & CAS INS CO             1,7             423             146                     386                       89                        2                9
AMICA MUT INS CO                       1,7             543             108                     484                     131                        10               13
CHUBB IND CO                            2              957             311                   1,051                     229 See Note 2                              44

COUNTRYWIDE INS CO                      1              470             199                     503                     146                        10               10
ELECTRIC INS CO                         7              603             291                     783                     126                         9               18
ERIE INS CO                            1,7             439             210                     524                     108                        14               16
ESURANCE INS CO                        1,7            1,670            258                   1,210                       42                       22               66
EVEREADY INS CO                                       1,221            248                     863                     305                        26               22
GEICO GENERAL INS CO                   1,7             338               48                    344                       51                        5               25
GEICO IND CO                           1,7             732             118                     663                     137                        25               33
GOVERNMENT EMPLOYEES INS CO            1,7             338               48                    344                       51                        5               25
GREAT NORTHERN INS CO                   2              709             147                     798                     163 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              534               86                    510                       74                        6               12
LIBERTY MUT FIRE INS CO               1,2,7            774             179                     991                     148 See Note 2                              37
MERCURY CASUALTY CO                    1,7             496             106                     442                       96                       14               13
METROPOLITAN CAS INS CO                1,7             930             135                     746                     125                        21               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,076            226                     812                     100                        26               10
NATIONWIDE INS CO OF AMER              1,7             759             148                     521                     178                        11               29
NEW SOUTH INS CO                        1              875             226                     710                     170                        17               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             763             136                     602                     163                        26               45
PEERLESS INS CO                         1              492             195                     490                       83                       10               10
PROGRESSIVE ADVANCED INS CO            1,7             482             124                     385                     125                        17               32
PROGRESSIVE CASUALTY INS CO            1,7             499             170                     443                     153                        18               35
SENTINEL INS CO                       1,3,7            789             149                     552                       37 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            842             175                     766                     170 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            724             167                     656                     145 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            492             126                     302                     106                         3               24
UNITED SERVICES AUTO ASSOC            1,5,7            447               84                    448                     101                         9               12
USAA CASUALTY INS CO                  1,5,7            337             198                     582                       78                        4                7
UTICA NATL INS CO OF TEXAS              1              475             150                     479                     130                        10               25
                                                                         TERRITORY 64 - MIDDLETOWN
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                     862             365                   1,588                     232                        26               50
ADIRONDACK INS EXCH                     1              558               44                    332                       92                       10               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,128            178                     524                     210                        22               14
ALLSTATE PROP & CAS INS CO             1,7             423             146                     386                       89                        2                9
AMICA MUT INS CO                       1,7             543               95                    484                     133                        10               13
CHUBB IND CO                            2              957             311                   1,051                     229 See Note 2                              44

COUNTRYWIDE INS CO                      1              470             199                     503                     146                        10               10
ELECTRIC INS CO                         7              619             265                     804                     127                        10               19
ERIE INS CO                            1,7             439             210                     524                     108                        14               16
ESURANCE INS CO                        1,7            1,534            238                   1,210                       42                       22               56
EVEREADY INS CO                                       1,221            248                     863                     305                        26               22
GEICO GENERAL INS CO                   1,7             338               48                    344                       51                        5               25
GEICO IND CO                           1,7             697             118                     630                     132                        24               33
GOVERNMENT EMPLOYEES INS CO            1,7             338               48                    344                       51                        5               25
GREAT NORTHERN INS CO                   2              709             147                     798                     163 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              534               86                    510                       74                        6               12
LIBERTY MUT FIRE INS CO               1,2,7            774             179                     991                     148 See Note 2                              37
MERCURY CASUALTY CO                    1,7             506               98                    408                       96                       14               13
METROPOLITAN CAS INS CO                1,7             930             135                     746                     125                        21               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,076            226                     812                     100                        26               10
NATIONWIDE INS CO OF AMER              1,7             807             136                     521                     178                        11               29
NEW SOUTH INS CO                        1              843             199                     691                     161                        16               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             763             136                     602                     163                        26               45
PEERLESS INS CO                         1              492             178                     490                       83                       26               10
PROGRESSIVE ADVANCED INS CO            1,7             510             127                     422                     137                        18               32
PROGRESSIVE CASUALTY INS CO            1,7             533             172                     481                     170                        19               35
SENTINEL INS CO                       1,3,7            786             132                     571                       36 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            842             175                     766                     170 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            724             167                     656                     145 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            513             119                     308                     107                         3               26
UNITED SERVICES AUTO ASSOC            1,5,7            447               84                    448                     101                         9               12
USAA CASUALTY INS CO                  1,5,7            337             198                     582                       78                        4                7
UTICA NATL INS CO OF TEXAS              1              475             150                     479                     130                        10               25
                                                                         TERRITORY 64 - MIDDLETOWN
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                     778             365                   1,508                     215                        24               50
ADIRONDACK INS EXCH                     1              594               40                    320                     100                        12               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,262            138                     482                     238                        28               14
ALLSTATE PROP & CAS INS CO             1,7             445             104                     346                     103                         2                9
AMICA MUT INS CO                       1,7             502               70                    443                     122                         9               13
CHUBB IND CO                            2              794             237                     836                     184 See Note 2                              44
COUNTRYWIDE INS CO                      1              430             199                     457                     135                         9               10
ELECTRIC INS CO                         7              515             183                     662                     111                         8               16
ERIE INS CO                            1,7             449             213                     536                     110                        13               16
ESURANCE INS CO                        1,7            1,528            212                   1,318                       80                       28               48
EVEREADY INS CO                                       1,076            248                     821                     277                        22               22
GEICO GENERAL INS CO                   1,7             293               38                    295                       45                        4               25
GEICO IND CO                           1,7             732             118                     663                     137                        25               33
GOVERNMENT EMPLOYEES INS CO            1,7             293               38                    295                       45                        4               25
GREAT NORTHERN INS CO                   2              601             117                     640                     133 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              534               82                    510                       74                        6               12
LIBERTY MUT FIRE INS CO               1,2,7            623             148                     778                     121 See Note 2                              37
MERCURY CASUALTY CO                    1,7             548               78                    424                     120                        20               13
METROPOLITAN CAS INS CO                1,7             770             126                     605                     107                        18               10
METROPOLITAN GRP PROP & CAS INS CO     1,7             832             168                     626                       82                       24                8
NATIONWIDE INS CO OF AMER              1,7             796             119                     552                     188                        11               29
NEW SOUTH INS CO                        1              947             152                     735                     213                        23               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             709             103                     595                     161                        24               45
PEERLESS INS CO                         1              498             142                     498                       83                       10               10
PROGRESSIVE ADVANCED INS CO            1,7             493               94                    403                     134                        19               32
PROGRESSIVE CASUALTY INS CO            1,7             513             138                     462                     165                        21               35
SENTINEL INS CO                       1,3,7            803               82                    619                       34 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            742             146                     673                     153 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            637             139                     577                     130 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            690               98                    370                     134                         6               39
UNITED SERVICES AUTO ASSOC            1,5,7            358               59                    353                       81                        8               12
USAA CASUALTY INS CO                  1,5,7            269             129                     456                       67                        6                7
UTICA NATL INS CO OF TEXAS              1              411               88                    407                     117                         9               25
                                                                         TERRITORY 64 - MIDDLETOWN
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                         RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                     778             365                   1,508                     215                        24               50
ADIRONDACK INS EXCH                     1              618               26                    324                     110                        10               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,038              78                    502                     220                        22               10
ALLSTATE PROP & CAS INS CO             1,7             445             104                     346                     103                         2                9
AMICA MUT INS CO                       1,7             502               70                    443                     122                         9               13
CHUBB IND CO                            2              794             237                     836                     184 See Note 2                              44
COUNTRYWIDE INS CO                      1              430             199                     457                     135                         9               10
ELECTRIC INS CO                         7              515             183                     662                     111                         8               16
ERIE INS CO                            1,7             449             213                     536                     110                        13               16
ESURANCE INS CO                        1,7            1,372            120                   1,154                       78                       26               38
EVEREADY INS CO                                       1,076            248                     821                     277                        22               22
GEICO GENERAL INS CO                   1,7             293               38                    295                       45                        4               25
GEICO IND CO                           1,7             732             118                     663                     137                        25               33
GOVERNMENT EMPLOYEES INS CO            1,7             293               38                    295                       45                        4               25
GREAT NORTHERN INS CO                   2              601             117                     640                     133 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              534               82                    510                       74                        6               12
LIBERTY MUT FIRE INS CO               1,2,7            623             148                     778                     121 See Note 2                              37
MERCURY CASUALTY CO                    1,7             496               60                    338                     118                        18               13
METROPOLITAN CAS INS CO                1,7             770             126                     605                     107                        18               10
METROPOLITAN GRP PROP & CAS INS CO     1,7             832             168                     626                       82                       24                8
NATIONWIDE INS CO OF AMER              1,7             706               97                    490                     168                        10               29
NEW SOUTH INS CO                        1              828             109                     641                     195                        21               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7             709             103                     595                     161                        24               45
PEERLESS INS CO                         1              498             142                     498                       83                       24               10
PROGRESSIVE ADVANCED INS CO            1,7             461               80                    355                     125                        17               32
PROGRESSIVE CASUALTY INS CO            1,7             477             124                     412                     154                        20               35
SENTINEL INS CO                       1,3,7            755               67                    628                       34 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            742             146                     673                     153 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            637             139                     577                     130 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            681               84                    401                     141                         6               35
UNITED SERVICES AUTO ASSOC            1,5,7            358               59                    353                       81                        8               12
USAA CASUALTY INS CO                  1,5,7            269             129                     456                       67                        6                7
UTICA NATL INS CO OF TEXAS              1              411               88                    407                     117                         9               25
                                                                          TERRITORY 68 - ROCKLAND
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                                 UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                  $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    2,165            413                   2,926                     471                         52               50
ADIRONDACK INS EXCH                     1             2,392            194                   2,306                     568                         56               38
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,978            256                   2,070                     594                         68               10
ALLSTATE PROP & CAS INS CO             1,7             733             226                   1,296                     135                          2               12
AMICA MUT INS CO                       1,7            1,640            235                   2,042                     452                         37               13
CHUBB IND CO                            2             2,311            219                   1,733                     622 See Note 2                               44

COUNTRYWIDE INS CO                      1             1,089            246                   1,291                     321                         24               10
ELECTRIC INS CO                         7             1,976            592                   2,184                     419                         36               49
ERIE INS CO                            1,7            1,810            442                   1,930                     259                         58               16
ESURANCE INS CO                        1,7            4,246            366                   4,662                     358                        116               72
EVEREADY INS CO                                       2,557            233                   1,526                     557                         47               22
GEICO GENERAL INS CO                   1,7            1,133              95                  1,255                     227                         19               25
GEICO IND CO                           1,7            1,651            127                   1,302                     294                         51               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,133              95                  1,255                     227                         19               25
GREAT NORTHERN INS CO                   2             1,734            103                   1,166                     473 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             1,914            180                   1,620                     318                         24               12
LIBERTY MUT FIRE INS CO               1,2,7           1,626            216                   1,826                     330 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,468            230                   1,226                     342                         46               13
METROPOLITAN CAS INS CO                1,7            2,641            317                   2,105                     335                         78               31
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,124            302                   1,902                     182                         66               24
NATIONWIDE INS CO OF AMER              1,7            2,229            192                   1,811                     524                         51               29
NEW SOUTH INS CO                        1             2,367            450                   2,384                     485                         72               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,208            221                   1,183                     241                         54               50
PEERLESS INS CO                         1             1,010            398                   1,356                     142                         25               10
PROGRESSIVE ADVANCED INS CO            1,7            2,457            213                   2,377                     710                        120               32
PROGRESSIVE CASUALTY INS CO            1,7            2,755            262                   2,477                     922                        135               35
SENTINEL INS CO                       1,3,7           2,344            225                   2,034                       57 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,061            245                   1,851                     433 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           1,768            234                   1,587                     371 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,083            181                   1,518                     599                         19               76
UNITED SERVICES AUTO ASSOC            1,5,7           1,214            176                     977                     272                         29               12
USAA CASUALTY INS CO                  1,5,7            850             446                   1,281                     215                         22                7
UTICA NATL INS CO OF TEXAS              1             1,062            247                     962                     316                         28               25
                                                                          TERRITORY 68 - ROCKLAND
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    1,440            413                   1,998                     333                         34               50
ADIRONDACK INS EXCH                     1             2,274            142                   1,488                     514                         46               42
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,426            168                   1,328                     470                         46               12
ALLSTATE PROP & CAS INS CO             1,7             715             170                     952                     117                          8               12
AMICA MUT INS CO                       1,7            1,175            141                   1,442                     331                         26               13
CHUBB IND CO                            2             1,812            188                   1,339                     483 See Note 2                               44

COUNTRYWIDE INS CO                      1              525             246                     574                     167                         12               10
ELECTRIC INS CO                         7             1,120            337                   1,215                     262                         19               27
ERIE INS CO                            1,7             862             285                     913                     169                         28               16
ESURANCE INS CO                        1,7            3,678            236                   2,942                     258                         82               78
EVEREADY INS CO                                       1,709            233                   1,029                     392                         31               22
GEICO GENERAL INS CO                   1,7             946               87                    962                     181                         15               25
GEICO IND CO                           1,7            1,380            112                   1,009                     251                         43               33
GOVERNMENT EMPLOYEES INS CO            1,7             946               87                    962                     181                         15               25
GREAT NORTHERN INS CO                   2             1,375              92                    908                     370 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7              976               92                    820                     202                         12               12
LIBERTY MUT FIRE INS CO               1,2,7           1,104            129                   1,209                     233 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,294            168                     802                     260                         34               13
METROPOLITAN CAS INS CO                1,7            2,046            235                   1,619                     263                         63               25
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,396            244                   1,238                     122                         44               18
NATIONWIDE INS CO OF AMER              1,7            1,889            139                   1,381                     403                         39               29
NEW SOUTH INS CO                        1             2,204            319                   1,577                     397                         56               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,051            201                   1,001                     207                         46               50
PEERLESS INS CO                         1              755             239                     997                     121                         46               10
PROGRESSIVE ADVANCED INS CO            1,7            2,176            158                   1,906                     578                        111               32
PROGRESSIVE CASUALTY INS CO            1,7            2,418            205                   1,996                     745                        124               35
SENTINEL INS CO                       1,3,7           2,258            169                   1,692                       52 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           1,697            184                   1,522                     362 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           1,456            176                   1,305                     309 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,050            139                   1,449                     552                         16               84
UNITED SERVICES AUTO ASSOC            1,5,7            706               97                    560                     166                         17               12
USAA CASUALTY INS CO                  1,5,7            507             232                     730                     139                         12                7
UTICA NATL INS CO OF TEXAS              1              846             144                     756                     260                         22               25
                                                                          TERRITORY 68 - ROCKLAND
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,316            413                   1,586                     309                        31               50
ADIRONDACK INS EXCH                     1              680               48                    338                     124                        10               12
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,444            124                     622                     316                        24               10
ALLSTATE PROP & CAS INS CO             1,7             435             104                     378                       87                        2                9
AMICA MUT INS CO                       1,7             594             154                     692                     147                        12               13
CHUBB IND CO                            2             1,324            176                     953                     346 See Note 2                              44

COUNTRYWIDE INS CO                      1              575             246                     632                     181                        12               10
ELECTRIC INS CO                         7              773             320                     823                     199                        14               19
ERIE INS CO                            1,7             560             182                     587                     140                        17               16
ESURANCE INS CO                        1,7            2,472            182                   1,374                       58                       38               66
EVEREADY INS CO                                       1,628            233                     848                     376                        29               22
GEICO GENERAL INS CO                   1,7             391               37                    379                       74                        6               25
GEICO IND CO                           1,7             928               97                    651                     179                        29               33
GOVERNMENT EMPLOYEES INS CO            1,7             391               37                    379                       74                        6               25
GREAT NORTHERN INS CO                   2             1,024              88                    657                     267 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              610               64                    510                     160                         8               12
LIBERTY MUT FIRE INS CO               1,2,7            869             122                     930                     190 See Note 2                              37
MERCURY CASUALTY CO                    1,7             874             118                     512                     154                        18               13
METROPOLITAN CAS INS CO                1,7            1,035            126                     791                     143                        30               13
METROPOLITAN GRP PROP & CAS INS CO     1,7             902             174                     782                       86                       30                8
NATIONWIDE INS CO OF AMER              1,7             912             113                     611                     187                        16               29
NEW SOUTH INS CO                        1             1,114            199                     719                     193                        24               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             878             172                     628                     154                        32               50
PEERLESS INS CO                         1              480             231                     606                       99                       10               10
PROGRESSIVE ADVANCED INS CO            1,7             706               68                    508                     159                        27               32
PROGRESSIVE CASUALTY INS CO            1,7             749             111                     569                     198                        30               35
SENTINEL INS CO                       1,3,7            967               98                    552                       39 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            985             125                     880                     223 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            846             119                     754                     190 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            625               78                    355                     147                         3               26
UNITED SERVICES AUTO ASSOC            1,5,7            570               90                    446                     136                        12               12
USAA CASUALTY INS CO                  1,5,7            413             213                     597                     126                        14                7
UTICA NATL INS CO OF TEXAS              1              413             141                     345                     141                         9               25
                                                                          TERRITORY 68 - ROCKLAND
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,316            413                   1,586                     309                        31               50
ADIRONDACK INS EXCH                     1              686               42                    356                     130                        12               12
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,348            102                     630                     302                        22               12
ALLSTATE PROP & CAS INS CO             1,7             435             104                     378                       87                        2                9
AMICA MUT INS CO                       1,7             594             134                     692                     149                        12               13
CHUBB IND CO                            2             1,324            176                     953                     346 See Note 2                              44

COUNTRYWIDE INS CO                      1              575             246                     632                     181                        12               10
ELECTRIC INS CO                         7              792             291                     845                     203                        14               20
ERIE INS CO                            1,7             560             182                     587                     140                        17               16
ESURANCE INS CO                        1,7            2,264            170                   1,374                       60                       38               56
EVEREADY INS CO                                       1,628            233                     848                     376                        29               22
GEICO GENERAL INS CO                   1,7             391               37                    379                       74                        6               25
GEICO IND CO                           1,7             883               97                    618                     172                        27               33
GOVERNMENT EMPLOYEES INS CO            1,7             391               37                    379                       74                        6               25
GREAT NORTHERN INS CO                   2             1,024              88                    657                     267 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              610               64                    510                     160                         8               12
LIBERTY MUT FIRE INS CO               1,2,7            869             122                     930                     190 See Note 2                              37
MERCURY CASUALTY CO                    1,7             906             110                     470                     150                        18               13
METROPOLITAN CAS INS CO                1,7            1,035            126                     791                     143                        30               13
METROPOLITAN GRP PROP & CAS INS CO     1,7             902             174                     782                       86                       30                8
NATIONWIDE INS CO OF AMER              1,7             971             105                     611                     187                        16               29
NEW SOUTH INS CO                        1             1,071            176                     700                     182                        23               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             878             172                     628                     154                        32               50
PEERLESS INS CO                         1              480             211                     606                       99                       32               10
PROGRESSIVE ADVANCED INS CO            1,7             749               69                    558                     175                        28               32
PROGRESSIVE CASUALTY INS CO            1,7             799             112                     620                     221                        31               35
SENTINEL INS CO                       1,3,7            962               87                    571                       38 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            985             125                     880                     223 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            846             119                     754                     190 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            654               73                    362                     148                         3               29
UNITED SERVICES AUTO ASSOC            1,5,7            570               90                    446                     136                        12               12
USAA CASUALTY INS CO                  1,5,7            413             213                     597                     126                        14                7
UTICA NATL INS CO OF TEXAS              1              413             141                     345                     141                         9               25
                                                                          TERRITORY 68 - ROCKLAND
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,186            413                   1,507                     284                        28               50
ADIRONDACK INS EXCH                     1              736               36                    344                     144                        12               12
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,516              78                    580                     348                        30               10
ALLSTATE PROP & CAS INS CO             1,7             457               76                    338                       95                        2                9
AMICA MUT INS CO                       1,7             547               97                    632                     139                        12               13
CHUBB IND CO                            2             1,079            139                     759                     277 See Note 2                              44

COUNTRYWIDE INS CO                      1              525             246                     574                     167                        12               10
ELECTRIC INS CO                         7              661             200                     695                     178                        12               15
ERIE INS CO                            1,7             572             185                     601                     142                        18               16
ESURANCE INS CO                        1,7            2,262            150                   1,496                     122                        46               48
EVEREADY INS CO                                       1,427            233                     805                     338                        26               22
GEICO GENERAL INS CO                   1,7             338               29                    324                       65                        5               25
GEICO IND CO                           1,7             928               97                    651                     179                        29               33
GOVERNMENT EMPLOYEES INS CO            1,7             338               29                    324                       65                        5               25
GREAT NORTHERN INS CO                   2              845               74                    531                     219 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              610               60                    510                     160                         8               12
LIBERTY MUT FIRE INS CO               1,2,7            716             105                     749                     161 See Note 2                              37
MERCURY CASUALTY CO                    1,7             928               86                    490                     194                        24               13
METROPOLITAN CAS INS CO                1,7             856             116                     642                     121                        23               10
METROPOLITAN GRP PROP & CAS INS CO     1,7             698             132                     602                       72                       22                8
NATIONWIDE INS CO OF AMER              1,7             957               93                    648                     198                        17               29
NEW SOUTH INS CO                        1             1,214            136                     745                     246                        35               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             814             130                     621                     154                        33               50
PEERLESS INS CO                         1              486             166                     614                       98                       11               10
PROGRESSIVE ADVANCED INS CO            1,7             720               51                    533                     171                        29               32
PROGRESSIVE CASUALTY INS CO            1,7             767               93                    594                     214                        33               35
SENTINEL INS CO                       1,3,7            984               54                    619                       36 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            867             104                     772                     199 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            745               99                    662                     170 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            813               60                    491                     197                         5               32
UNITED SERVICES AUTO ASSOC            1,5,7            453               62                    352                     113                        10               12
USAA CASUALTY INS CO                  1,5,7            334             139                     455                     103                         8                7
UTICA NATL INS CO OF TEXAS              1              354               84                    288                     128                         7               25
                                                                          TERRITORY 68 - ROCKLAND
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                         RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,186            413                   1,507                     284                        28               50
ADIRONDACK INS EXCH                     1              772               24                    348                     160                        14               12
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,258              44                    604                     322                        28               12
ALLSTATE PROP & CAS INS CO             1,7             457               76                    338                       95                        2                9
AMICA MUT INS CO                       1,7             547               97                    632                     139                        12               13
CHUBB IND CO                            2             1,079            139                     759                     277 See Note 2                              44

COUNTRYWIDE INS CO                      1              525             246                     574                     167                        12               10
ELECTRIC INS CO                         7              661             200                     695                     178                        12               15
ERIE INS CO                            1,7             572             185                     601                     142                        18               16
ESURANCE INS CO                        1,7            2,020              84                  1,310                     118                        44               38
EVEREADY INS CO                                       1,427            233                     805                     338                        26               22
GEICO GENERAL INS CO                   1,7             338               29                    324                       65                        5               25
GEICO IND CO                           1,7             928               97                    651                     179                        29               33
GOVERNMENT EMPLOYEES INS CO            1,7             338               29                    324                       65                        5               25
GREAT NORTHERN INS CO                   2              845               74                    531                     219 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              610               60                    510                     160                         8               12
LIBERTY MUT FIRE INS CO               1,2,7            716             105                     749                     161 See Note 2                              37
MERCURY CASUALTY CO                    1,7             804               66                    390                     190                        24               13
METROPOLITAN CAS INS CO                1,7             856             116                     642                     121                        23               10
METROPOLITAN GRP PROP & CAS INS CO     1,7             698             132                     602                       72                       22                8
NATIONWIDE INS CO OF AMER              1,7             846               77                    574                     177                        15               29
NEW SOUTH INS CO                        1             1,060              99                    650                     223                        30               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7             814             130                     621                     154                        33               50
PEERLESS INS CO                         1              486             166                     614                       98                       33               10
PROGRESSIVE ADVANCED INS CO            1,7             667               44                    469                     159                        28               32
PROGRESSIVE CASUALTY INS CO            1,7             709               86                    528                     199                        31               35
SENTINEL INS CO                       1,3,7            921               44                    628                       35 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7            867             104                     772                     199 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            745               99                    662                     170 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            810               51                    534                     208                         6               29
UNITED SERVICES AUTO ASSOC            1,5,7            453               62                    352                     113                        10               12
USAA CASUALTY INS CO                  1,5,7            334             139                     455                     103                         8                7
UTICA NATL INS CO OF TEXAS              1              354             128                     288                     128                         7               25
                                                                TERRITORY 75 - SUFFOLK COUNTY WEST
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                                 UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                  $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    2,309            348                   2,748                     519                         53               50
ADIRONDACK INS EXCH                     1             2,820            222                   2,434                     686                         62               50
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,304            332                   2,290                     712                         62               12
ALLSTATE PROP & CAS INS CO             1,7            1,021            238                   1,396                     221                          2               12
AMICA MUT INS CO                       1,7            1,906            215                   1,809                     589                         35               13
CHUBB IND CO                            2             2,387            251                   1,902                     646 See Note 2                               44

COUNTRYWIDE INS CO                      1             1,283            347                   1,446                     350                         27               10
ELECTRIC INS CO                         7             2,225            760                   2,467                     474                         36               49
ERIE INS CO                            1,7            2,104            480                   2,001                     271                         65               16
ESURANCE INS CO                        1,7            3,442            388                   4,206                     318                         96               72
EVEREADY INS CO                                       2,160            224                   1,235                     600                         49               22
GEICO GENERAL INS CO                   1,7            1,209            103                   1,114                     258                         18               25
GEICO IND CO                           1,7            1,577            112                   1,275                     310                         54               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,209            103                   1,114                     258                         18               25
GREAT NORTHERN INS CO                   2             2,500            200                   1,799                     698 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             2,906            282                   1,982                     466                         38               12
LIBERTY MUT FIRE INS CO               1,2,7           2,002            265                   1,966                     400 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,446            368                   1,442                     358                         60               13
METROPOLITAN CAS INS CO                1,7            3,510            317                   2,115                     472                         94               33
METROPOLITAN GRP PROP & CAS INS CO     1,7            3,136            358                   2,334                     262                         82               26
NATIONWIDE INS CO OF AMER              1,7            2,138            215                   1,609                     543                         46               29
NEW SOUTH INS CO                        1             2,843            458                   2,652                     608                         70               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,413            271                   1,386                     333                         59               58
PEERLESS INS CO                         1             1,457            475                   1,249                     179                         34               10
PROGRESSIVE ADVANCED INS CO            1,7            2,290            224                   1,936                     764                        107               32
PROGRESSIVE CASUALTY INS CO            1,7            2,580            274                   2,026                     986                        119               35
SENTINEL INS CO                       1,3,7           1,350            342                   1,616                       42 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,500            271                   2,063                     556 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           2,145            258                   1,768                     475 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,434            178                   1,761                     734                         20               73
UNITED SERVICES AUTO ASSOC            1,5,7           1,383            218                   1,027                     334                         31               12
USAA CASUALTY INS CO                  1,5,7            966             562                   1,347                     259                         23                7
UTICA NATL INS CO OF TEXAS              1             1,318            254                   1,036                     434                         28               25
                                                                TERRITORY 75 - SUFFOLK COUNTY WEST
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    1,535            348                   1,876                     365                         35               50
ADIRONDACK INS EXCH                     1             2,680            164                   1,572                     624                         54               52
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,686            218                   1,470                     562                         46               10
ALLSTATE PROP & CAS INS CO             1,7            1,003            184                   1,020                     189                          4               12
AMICA MUT INS CO                       1,7            1,363            130                   1,278                     425                         24               13
CHUBB IND CO                            2             1,869            215                   1,467                     502 See Note 2                               44

COUNTRYWIDE INS CO                      1              616             347                     642                     181                         12               10
ELECTRIC INS CO                         7             1,258            431                   1,372                     293                         19               27
ERIE INS CO                            1,7            1,000            310                     945                     176                         32               16
ESURANCE INS CO                        1,7            2,944            252                   2,654                     232                         68               78
EVEREADY INS CO                                       1,448            224                     835                     421                         32               22
GEICO GENERAL INS CO                   1,7            1,016              93                    855                     205                         14               25
GEICO IND CO                           1,7            1,318              99                    988                     265                         45               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,016              93                    855                     205                         14               25
GREAT NORTHERN INS CO                   2             1,954            173                   1,389                     542 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             1,478            144                   1,004                     278                         20               12
LIBERTY MUT FIRE INS CO               1,2,7           1,352            158                   1,301                     279 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,204            262                     940                     272                         44               13
METROPOLITAN CAS INS CO                1,7            2,721            235                   1,627                     371                         72               26
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,062            288                   1,518                     182                         52               14
NATIONWIDE INS CO OF AMER              1,7            1,824            154                   1,228                     427                         35               29
NEW SOUTH INS CO                        1             2,700            324                   1,753                     495                         56               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,227            246                   1,173                     287                         49               58
PEERLESS INS CO                         1             1,083            285                     918                     148                         49               10
PROGRESSIVE ADVANCED INS CO            1,7            2,022            167                   1,552                     623                         98               32
PROGRESSIVE CASUALTY INS CO            1,7            2,252            214                   1,634                     798                        109               35
SENTINEL INS CO                       1,3,7           2,537            242                   1,903                       72 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,058            204                   1,696                     470 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           1,766            194                   1,454                     401 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,395            137                   1,681                     676                         18               81
UNITED SERVICES AUTO ASSOC            1,5,7            802             118                     588                     200                         17               12
USAA CASUALTY INS CO                  1,5,7            571             290                     767                     165                         13                7
UTICA NATL INS CO OF TEXAS              1             1,046            149                     813                     352                         22               25
                                                                TERRITORY 75 - SUFFOLK COUNTY WEST
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,402            348                   1,489                     339                        32               50
ADIRONDACK INS EXCH                     1              784               54                    356                     150                        14               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,594            162                     688                     366                        20               10
ALLSTATE PROP & CAS INS CO             1,7             601             110                     408                     125                         2                9
AMICA MUT INS CO                       1,7             682             141                     616                     191                        11               13
CHUBB IND CO                            2             1,362            200                   1,041                     359 See Note 2                              44
COUNTRYWIDE INS CO                      1              675             347                     707                     196                        14               10
ELECTRIC INS CO                         7              865             409                     928                     220                        14               19
ERIE INS CO                            1,7             648             198                     607                     144                        19               16
ESURANCE INS CO                        1,7            1,956            194                   1,240                       62                       32               66
EVEREADY INS CO                                       1,379            224                     687                     403                        30               22
GEICO GENERAL INS CO                   1,7             421               39                    337                       84                        5               25
GEICO IND CO                           1,7             888               86                    638                     189                        30               33
GOVERNMENT EMPLOYEES INS CO            1,7             421               39                    337                       84                        5               25
GREAT NORTHERN INS CO                   2             1,421            161                     987                     387 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              924             100                     624                     204                        12               12
LIBERTY MUT FIRE INS CO               1,2,7           1,058            149                   1,001                     225 See Note 2                              37
MERCURY CASUALTY CO                    1,7             770             176                     598                     162                        24               13
METROPOLITAN CAS INS CO                1,7            1,359            126                     793                     197                        37               16
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,318            204                     958                     126                        36               14
NATIONWIDE INS CO OF AMER              1,7             886             125                     547                     220                        15               29
NEW SOUTH INS CO                        1             1,374            202                     796                     238                        24               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,019            210                     735                     214                        36               58
PEERLESS INS CO                         1              677             274                     558                     113                        16               10
PROGRESSIVE ADVANCED INS CO            1,7             658               72                    414                     173                        23               32
PROGRESSIVE CASUALTY INS CO            1,7             696             115                     472                     214                        27               35
SENTINEL INS CO                       1,3,7           1,080            140                     621                       57 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,195            138                     980                     303 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,025            132                     840                     258 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            724               76                    408                     182                         3               25
UNITED SERVICES AUTO ASSOC            1,5,7            645             109                     468                     164                        13               12
USAA CASUALTY INS CO                  1,5,7            464             266                     609                     139                        10                7
UTICA NATL INS CO OF TEXAS              1              503             146                     371                     129                         8               25
                                                                TERRITORY 75 - SUFFOLK COUNTY WEST
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,402            348                   1,489                     339                        32               50
ADIRONDACK INS EXCH                     1              792               50                    376                     154                        14               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,484            132                     698                     356                        22               12
ALLSTATE PROP & CAS INS CO             1,7             601             110                     408                     125                         2                9
AMICA MUT INS CO                       1,7             682             124                     616                     192                        11               13
CHUBB IND CO                            2             1,362            200                   1,041                     359 See Note 2                              44
COUNTRYWIDE INS CO                      1              675             347                     707                     196                        14               10
ELECTRIC INS CO                         7              890             373                     953                     223                        13               18
ERIE INS CO                            1,7             648             198                     607                     144                        19               16
ESURANCE INS CO                        1,7            1,810            180                   1,240                       62                       32               56
EVEREADY INS CO                                       1,379            224                     687                     403                        30               22
GEICO GENERAL INS CO                   1,7             421               39                    337                       84                        5               25
GEICO IND CO                           1,7             845               86                    606                     182                        28               33
GOVERNMENT EMPLOYEES INS CO            1,7             421               39                    337                       84                        5               25
GREAT NORTHERN INS CO                   2             1,421            161                     987                     387 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              924             100                     624                     204                        12               12
LIBERTY MUT FIRE INS CO               1,2,7           1,058            149                   1,001                     225 See Note 2                              37
MERCURY CASUALTY CO                    1,7             784             162                     548                     158                        22               13
METROPOLITAN CAS INS CO                1,7            1,359            126                     793                     197                        37               16
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,318            204                     958                     126                        36               14
NATIONWIDE INS CO OF AMER              1,7             946             115                     547                     220                        15               29
NEW SOUTH INS CO                        1             1,325            179                     774                     225                        22               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,019            210                     735                     214                        36               58
PEERLESS INS CO                         1              677             250                     558                     113                        36               10
PROGRESSIVE ADVANCED INS CO            1,7             699               73                    454                     190                        24               32
PROGRESSIVE CASUALTY INS CO            1,7             743             116                     514                     238                        28               35
SENTINEL INS CO                       1,3,7           1,077            125                     642                       56 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,195            138                     980                     303 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,025            132                     840                     258 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            759               72                    417                     184                         3               28
UNITED SERVICES AUTO ASSOC            1,5,7            645             109                     468                     164                        13               12
USAA CASUALTY INS CO                  1,5,7            464             266                     609                     139                        10                7
UTICA NATL INS CO OF TEXAS              1              503             146                     153                     184                         8               25
                                                                TERRITORY 75 - SUFFOLK COUNTY WEST
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,265            348                   1,415                     311                        29               50
ADIRONDACK INS EXCH                     1              848               42                    362                     176                        14               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,678            102                     640                     408                        26               12
ALLSTATE PROP & CAS INS CO             1,7             637               80                    364                     151                         2                9
AMICA MUT INS CO                       1,7             626               89                    563                     178                        10               13
CHUBB IND CO                            2             1,109            157                     828                     287 See Note 2                              44

COUNTRYWIDE INS CO                      1              616             347                     642                     181                        12               10
ELECTRIC INS CO                         7              738             256                     783                     196                        11               16
ERIE INS CO                            1,7             662             201                     624                     146                        22               16
ESURANCE INS CO                        1,7            1,832            158                   1,350                     114                        38               48
EVEREADY INS CO                                       1,211            224                     652                     361                        27               22
GEICO GENERAL INS CO                   1,7             364               32                    289                       74                        4               25
GEICO IND CO                           1,7             888               86                    638                     189                        30               33
GOVERNMENT EMPLOYEES INS CO            1,7             364               32                    289                       74                        4               25
GREAT NORTHERN INS CO                   2             1,154            128                     786                     309 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              924               96                    624                     204                        12               12
LIBERTY MUT FIRE INS CO               1,2,7            867             128                     805                       47 See Note 2                             37
MERCURY CASUALTY CO                    1,7             874             122                     570                     204                        30               13
METROPOLITAN CAS INS CO                1,7            1,128            116                     644                     164                        27                5
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,028            152                     736                     106                        28                4
NATIONWIDE INS CO OF AMER              1,7             930             102                     579                     230                        16               29
NEW SOUTH INS CO                        1             1,464            138                     825                     306                        33               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             948             158                     729                     212                        35               58
PEERLESS INS CO                         1              695             199                     564                     114                         3               10
PROGRESSIVE ADVANCED INS CO            1,7             673               54                    434                     185                        26               32
PROGRESSIVE CASUALTY INS CO            1,7             716               96                    493                     231                        30               35
SENTINEL INS CO                       1,3,7           1,094              77                    696                       55 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,050            115                     861                     275 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            902             110                     738                     234 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            942               58                    566                     242                         6               31
UNITED SERVICES AUTO ASSOC            1,5,7            513               74                    369                     133                        11               12
USAA CASUALTY INS CO                  1,5,7            374             172                     477                     118                         8                7
UTICA NATL INS CO OF TEXAS              1              427               86                    309                     163                         8               25
                                                                TERRITORY 75 - SUFFOLK COUNTY WEST
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                         RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,265            348                   1,415                     311                        29               50
ADIRONDACK INS EXCH                     1              892               28                    368                     190                        16               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,396              56                    666                     374                        24               10
ALLSTATE PROP & CAS INS CO             1,7             637               80                    364                     151                         2                9
AMICA MUT INS CO                       1,7             626               89                    563                     178                        10               13
CHUBB IND CO                            2             1,109            157                     828                     287 See Note 2                              44

COUNTRYWIDE INS CO                      1              616             347                     642                     181                        12               10
ELECTRIC INS CO                         7              738             256                     783                     196                        11               16
ERIE INS CO                            1,7             662             201                     624                     146                        22               16
ESURANCE INS CO                        1,7            1,654              90                  1,182                     110                        36               38
EVEREADY INS CO                                       1,211            224                     652                     361                        27               22
GEICO GENERAL INS CO                   1,7             364               32                    289                       74                        4               25
GEICO IND CO                           1,7             888               86                    638                     189                        30               33
GOVERNMENT EMPLOYEES INS CO            1,7             364               32                    289                       74                        4               25
GREAT NORTHERN INS CO                   2             1,154            128                     786                     309 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              924               96                    624                     204                        12               12
LIBERTY MUT FIRE INS CO               1,2,7            867             128                     805                       47 See Note 2                             37
MERCURY CASUALTY CO                    1,7             794               86                    452                     202                        30               13
METROPOLITAN CAS INS CO                1,7            1,128            116                     644                     164                        27                5
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,028            152                     736                     106                        28                4
NATIONWIDE INS CO OF AMER              1,7             821               84                    514                     210                        14               29
NEW SOUTH INS CO                        1             1,274            100                     719                     278                        29               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7             948             158                     729                     212                        35               58
PEERLESS INS CO                         1              695             199                     564                     114                        35               10
PROGRESSIVE ADVANCED INS CO            1,7             626               46                    382                     173                        25               32
PROGRESSIVE CASUALTY INS CO            1,7             663               88                    440                     215                        28               35
SENTINEL INS CO                       1,3,7           1,024              63                    706                       54 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,050            115                     861                     275 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            902             110                     738                     234 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            939               49                    616                     256                         6               28
UNITED SERVICES AUTO ASSOC            1,5,7            513               74                    369                     133                        11               12
USAA CASUALTY INS CO                  1,5,7            374             172                     477                     118                         8                7
UTICA NATL INS CO OF TEXAS              1              427               86                    309                     163                         8               25
                                                              TERRITORY 94 - MOUNT VERNON & YONKERS
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                  TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE             COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                   WITH                COVERAGE               COVERAGE               COVERAGE

                                                                $200                   $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    2,286             831                   3,057                     529                         46               50
ADIRONDACK INS EXCH                     1             2,604             414                   2,944                     652                         54               44
ALLMERICA FINANCIAL ALLIANCE INS CO     1             3,496             548                   2,910                     754                         74               10
ALLSTATE PROP & CAS INS CO             1,7             923              368                   1,562                     213                          2               12
AMICA MUT INS CO                       1,7            1,848             638                   2,549                     479                         44               13
CHUBB IND CO                            2             1,950             397                   1,902                     516 See Note 2                               44

COUNTRYWIDE INS CO                      1             1,247             517                   1,442                     339                         27               10
ELECTRIC INS CO                         7             1,811            1,107                  2,942                     374                         35               49
ERIE INS CO                            1,7            1,801             888                   2,281                     263                         58               16
ESURANCE INS CO                        1,7            4,028             980                   6,240                     358                        110               72
EVEREADY INS CO                                       1,998             422                   1,898                     484                         42               22
GEICO GENERAL INS CO                   1,7            1,217             197                   1,486                     256                         18               25
GEICO IND CO                           1,7            1,952             220                   1,404                     343                         51               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,217             197                   1,486                     256                         18               25
GREAT NORTHERN INS CO                   2             2,160             338                   1,947                     594 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             2,380             554                   2,352                     380                         30               12
LIBERTY MUT FIRE INS CO               1,2,7           1,891             460                   2,256                     378 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,250             340                   1,286                     304                         46               13
METROPOLITAN CAS INS CO                1,7            2,531             674                   2,442                     327                         78               33
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,782             530                   2,444                     222                         74               22
NATIONWIDE INS CO OF AMER              1,7            2,260             381                   1,811                     718                         44               29
NEW SOUTH INS CO                        1             2,227             915                   2,602                     509                         57               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,321             440                   1,585                     272                         58               56
PEERLESS INS CO                         1             1,000             741                   1,351                     142                         29               10
PROGRESSIVE ADVANCED INS CO            1,7            2,093             522                   2,377                     632                         97               32
PROGRESSIVE CASUALTY INS CO            1,7            2,319             584                   2,477                     798                        109               35
SENTINEL INS CO                       1,3,7           2,583             528                   2,627                       81 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,525             269                   2,222                     510 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           2,166             257                   1,905                     435 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,073             347                   1,899                     653                         20               64
UNITED SERVICES AUTO ASSOC            1,5,7           1,256             342                   1,357                     299                         31               12
USAA CASUALTY INS CO                  1,5,7            886              899                   1,781                     234                         23                7
UTICA NATL INS CO OF TEXAS              1             1,382             519                   1,163                     404                         39               25
                                                              TERRITORY 94 - MOUNT VERNON & YONKERS
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE              NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO               TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000          $100,000

ASSIGNED RISK PLAN                                    1,521            831                   2,087                     372                         30               50
ADIRONDACK INS EXCH                     1             2,468            302                   1,898                     592                         48               46
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,840            362                   1,860                     604                         54               12
ALLSTATE PROP & CAS INS CO             1,7             891             278                   1,144                     183                          8               12
AMICA MUT INS CO                       1,7            1,319            371                   1,798                     350                         32               13
CHUBB IND CO                            2             1,538            336                   1,467                     403 See Note 2                               44

COUNTRYWIDE INS CO                      1              598             517                     640                     177                         13               10
ELECTRIC INS CO                         7             1,027            627                   1,634                     239                         19               27
ERIE INS CO                            1,7             859             573                   1,078                     171                         27               16
ESURANCE INS CO                        1,7            3,480            634                   3,936                     260                         76               78
EVEREADY INS CO                                       1,339            422                   1,281                     345                         28               22
GEICO GENERAL INS CO                   1,7            1,026            178                   1,138                     205                         14               25
GEICO IND CO                           1,7            1,631            194                   1,088                     293                         42               33
GOVERNMENT EMPLOYEES INS CO            1,7            1,026            178                   1,138                     205                         14               25
GREAT NORTHERN INS CO                   2             1,696            287                   1,500                     464 See Note 2                               44
IDS PROPERTY CASUALTY INS CO            7             1,212            282                   1,192                     234                         14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,279            270                   1,491                     265 See Note 2                               37
MERCURY CASUALTY CO                    1,7            1,076            242                     840                     230                         34               13
METROPOLITAN CAS INS CO                1,7            1,970            490                   1,879                     261                         60               24
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,828            426                   1,588                     154                         46               14
NATIONWIDE INS CO OF AMER              1,7            1,925            266                   1,381                     582                         33               29
NEW SOUTH INS CO                        1             2,087            635                   1,720                     418                         44               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,151            399                   1,342                     236                         47               56
PEERLESS INS CO                         1              747             443                     993                     121                         47               10
PROGRESSIVE ADVANCED INS CO            1,7            1,860            388                   1,906                     521                         89               32
PROGRESSIVE CASUALTY INS CO            1,7            2,038            445                   1,996                     650                        100               35
SENTINEL INS CO                       1,3,7           2,532            396                   2,186                       76 See Note 3                              92
STATE FARM FIRE AND CAS CO            1,4,7           2,078            203                   1,827                     432 See Note 4                               28
STATE FARM MUT AUTO INS CO            1,4,7           1,783            193                   1,567                     368 See Note 4                               23
TRAVELERS HOME & MARINE INS CO        1,3,7           2,028            266                   1,813                     603                         17               71
UNITED SERVICES AUTO ASSOC            1,5,7            731             180                     773                     180                         18               12
USAA CASUALTY INS CO                  1,5,7            527             458                   1,010                     150                         13                7
UTICA NATL INS CO OF TEXAS              1             1,096            299                     912                     329                         31               25
                                                              TERRITORY 94 - MOUNT VERNON & YONKERS
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,388            831                   1,657                     344                        28               50
ADIRONDACK INS EXCH                     1              732             102                     432                     144                        12               14
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,682            264                     868                     410                        26               12
ALLSTATE PROP & CAS INS CO             1,7             543             166                     456                     123                         2                9
AMICA MUT INS CO                       1,7             661             407                     859                     146                        15               13
CHUBB IND CO                            2             1,135            311                   1,041                     292 See Note 2                              44

COUNTRYWIDE INS CO                      1              657             517                     704                     191                        14               10
ELECTRIC INS CO                         7              711             596                   1,106                     184                        14               18
ERIE INS CO                            1,7             555             366                     692                     142                        18               16
ESURANCE INS CO                        1,7            2,340            490                   1,840                       70                       34               66
EVEREADY INS CO                                       1,276            422                   1,053                     332                        27               22
GEICO GENERAL INS CO                   1,7             425               74                    447                       84                        5               25
GEICO IND CO                           1,7            1,095            169                     702                     209                        28               33
GOVERNMENT EMPLOYEES INS CO            1,7             425               74                    447                       84                        5               25
GREAT NORTHERN INS CO                   2             1,244            266                   1,063                     333 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              756             196                     742                     178                        10               12
LIBERTY MUT FIRE INS CO               1,2,7           1,003            255                   1,146                     213 See Note 2                              37
MERCURY CASUALTY CO                    1,7             712             164                     536                     138                        18               13
METROPOLITAN CAS INS CO                1,7            1,007            246                     914                     149                        27               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,172            302                   1,002                     106                        28               12
NATIONWIDE INS CO OF AMER              1,7             931             210                     611                     341                        14               29
NEW SOUTH INS CO                        1             1,066            380                     782                     205                        20               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             964             341                     841                     175                        34               56
PEERLESS INS CO                         1              475             427                     599                       99                       13               10
PROGRESSIVE ADVANCED INS CO            1,7             620             166                     508                     151                        21               32
PROGRESSIVE CASUALTY INS CO            1,7             644             213                     569                     180                        24               35
SENTINEL INS CO                       1,3,7           1,082            230                     714                       61 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,206            137                   1,056                     280 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,036            131                     905                     238 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            615             148                     440                     166                         4               22
UNITED SERVICES AUTO ASSOC            1,5,7            587             166                     613                     148                        14               12
USAA CASUALTY INS CO                  1,5,7            429             420                     800                     128                        10                7
UTICA NATL INS CO OF TEXAS              1              525             294                     415                     172                        14               25
                                                              TERRITORY 94 - MOUNT VERNON & YONKERS
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,388            831                   1,657                     344                        28               50
ADIRONDACK INS EXCH                     1              738               90                    456                     146                        10               14
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,572            218                     884                     400                        24               12
ALLSTATE PROP & CAS INS CO             1,7             543             166                     456                     123                         2                9
AMICA MUT INS CO                       1,7             661             353                     859                     149                        15               13
CHUBB IND CO                            2             1,135            311                   1,041                     292 See Note 2                              44

COUNTRYWIDE INS CO                      1              657             517                     704                     191                        14               10
ELECTRIC INS CO                         7              730             541                   1,135                     186                        13               19
ERIE INS CO                            1,7             555             366                     692                     142                        18               16
ESURANCE INS CO                        1,7            2,148            452                   1,840                       70                       36               56
EVEREADY INS CO                                       1,276            422                   1,053                     332                        27               22
GEICO GENERAL INS CO                   1,7             425               74                    447                       84                        5               25
GEICO IND CO                           1,7            1,042            169                     667                     201                        27               33
GOVERNMENT EMPLOYEES INS CO            1,7             425               74                    447                       84                        5               25
GREAT NORTHERN INS CO                   2             1,244            266                   1,063                     333 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              756             196                     742                     178                        10               12
LIBERTY MUT FIRE INS CO               1,2,7           1,003            255                   1,146                     213 See Note 2                              37
MERCURY CASUALTY CO                    1,7             732             150                     492                     134                        18               13
METROPOLITAN CAS INS CO                1,7            1,007            246                     914                     149                        27               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,172            302                   1,002                     106                        28               12
NATIONWIDE INS CO OF AMER              1,7             995             192                     611                     341                        14               29
NEW SOUTH INS CO                        1             1,026            330                     760                     195                        19               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             964             341                     841                     175                        34               56
PEERLESS INS CO                         1              475             389                     599                       99                       34               10
PROGRESSIVE ADVANCED INS CO            1,7             656             170                     558                     164                        22               32
PROGRESSIVE CASUALTY INS CO            1,7             685             217                     620                     198                        26               35
SENTINEL INS CO                       1,3,7           1,084            204                     738                       60 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,206            137                   1,056                     280 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7           1,036            131                     905                     238 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            641             139                     449                     167                         4               24
UNITED SERVICES AUTO ASSOC            1,5,7            587             166                     613                     148                        14               12
USAA CASUALTY INS CO                  1,5,7            429             420                     800                     128                        10                7
UTICA NATL INS CO OF TEXAS              1              525             294                     415                     172                        14               25
                                                              TERRITORY 94 - MOUNT VERNON & YONKERS
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                           RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE               COVERAGE              COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,253            831                   1,574                     316                        25               50
ADIRONDACK INS EXCH                     1              794               78                    438                     162                        12               14
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,778            168                     812                     452                        30               12
ALLSTATE PROP & CAS INS CO             1,7             577             116                     404                     145                         2                9
AMICA MUT INS CO                       1,7             608             247                     784                     138                        14               13
CHUBB IND CO                            2              933             237                     828                     236 See Note 2                              44

COUNTRYWIDE INS CO                      1              598             517                     640                     177                        13               10
ELECTRIC INS CO                         7              607             372                     934                     165                        12               15
ERIE INS CO                            1,7             568             371                     710                     142                        18               16
ESURANCE INS CO                        1,7            2,154            400                   2,002                     128                        44               48
EVEREADY INS CO                                       1,124            422                   1,002                     298                        23               22
GEICO GENERAL INS CO                   1,7             368               59                    383                       75                        5               25
GEICO IND CO                           1,7            1,095            169                     702                     209                        28               33
GOVERNMENT EMPLOYEES INS CO            1,7             368               59                    383                       75                        5               25
GREAT NORTHERN INS CO                   2             1,018            204                     844                     267 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              756             188                     742                     178                        10               12
LIBERTY MUT FIRE INS CO               1,2,7            823             218                     921                     180 See Note 2                              37
MERCURY CASUALTY CO                    1,7             774             114                     512                     174                        24               13
METROPOLITAN CAS INS CO                1,7             836             223                     742                     129                        23               11
METROPOLITAN GRP PROP & CAS INS CO     1,7             908             222                     770                       88                       22               10
NATIONWIDE INS CO OF AMER              1,7             978             166                     648                     352                        15               29
NEW SOUTH INS CO                        1             1,152            245                     810                     260                        27               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             893             256                     833                     173                        33               56
PEERLESS INS CO                         1              481             308                     609                       98                       12               10
PROGRESSIVE ADVANCED INS CO            1,7             631             125                     533                     161                        24               32
PROGRESSIVE CASUALTY INS CO            1,7             659             171                     594                     192                        27               35
SENTINEL INS CO                       1,3,7           1,091            126                     799                       59 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,061            114                     928                     256 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            911             109                     795                     217 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            801             113                     610                     218                         7               27
UNITED SERVICES AUTO ASSOC            1,5,7            469             109                     481                     121                        11               12
USAA CASUALTY INS CO                  1,5,7            347             267                     625                     109                         8                7
UTICA NATL INS CO OF TEXAS              1              446             170                     346                     153                        11               25
                                                              TERRITORY 94 - MOUNT VERNON & YONKERS
                                                                       (See Appendix III for a detailed description of the Territory)

                                                                       REPRESENTATIVE ANNUAL PREMIUMS
                                                                         RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                   TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                      BODILY

                                                FOR            HENSIVE            COLLISION                 INJURY                PROPERTY

                   COMPANY            NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE             NO-FAULT

                                              REQUIRED          WITH                  WITH                COVERAGE                COVERAGE             COVERAGE

                                                                $200                  $200               TO $100,000/                     TO              TO

                                              COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                    $50,000         $100,000

ASSIGNED RISK PLAN                                    1,253            831                   1,574                     316                        25               50
ADIRONDACK INS EXCH                     1              832               52                    446                     182                        14               14
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,482              94                    844                     418                        26               10
ALLSTATE PROP & CAS INS CO             1,7             577             116                     404                     145                         2                9
AMICA MUT INS CO                       1,7             608             247                     784                     138                        14               13
CHUBB IND CO                            2              933             237                     828                     236 See Note 2                              44

COUNTRYWIDE INS CO                      1              598             517                     640                     177                        13               10
ELECTRIC INS CO                         7              607             372                     934                     165                        12               15
ERIE INS CO                            1,7             568             371                     710                     142                        18               16
ESURANCE INS CO                        1,7            1,930            226                   1,754                     124                        42               38
EVEREADY INS CO                                       1,124            422                   1,002                     298                        23               22
GEICO GENERAL INS CO                   1,7             368               59                    383                       75                        5               25
GEICO IND CO                           1,7            1,095            169                     702                     209                        28               33
GOVERNMENT EMPLOYEES INS CO            1,7             368               59                    383                       75                        5               25
GREAT NORTHERN INS CO                   2             1,018            204                     844                     267 See Note 2                              44
IDS PROPERTY CASUALTY INS CO            7              756             188                     742                     178                        10               12
LIBERTY MUT FIRE INS CO               1,2,7            823             218                     921                     180 See Note 2                              37
MERCURY CASUALTY CO                    1,7             688               82                    406                     172                        24               13
METROPOLITAN CAS INS CO                1,7             836             223                     742                     129                        23               11
METROPOLITAN GRP PROP & CAS INS CO     1,7             908             222                     770                       88                       22               10
NATIONWIDE INS CO OF AMER              1,7             863             132                     574                     329                        13               29
NEW SOUTH INS CO                        1             1,009            166                     706                     236                        24               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7             893             256                     833                     173                        33               56
PEERLESS INS CO                         1              481             308                     609                       98                       33               10
PROGRESSIVE ADVANCED INS CO            1,7             586             107                     469                     152                        23               32
PROGRESSIVE CASUALTY INS CO            1,7             610             152                     528                     181                        25               35
SENTINEL INS CO                       1,3,7           1,021            103                     811                       58 See Note 3                             92
STATE FARM FIRE AND CAS CO            1,4,7           1,061            114                     928                     256 See Note 4                              28
STATE FARM MUT AUTO INS CO            1,4,7            911             109                     795                     217 See Note 4                              23
TRAVELERS HOME & MARINE INS CO        1,3,7            804               96                    665                     230                         7               24
UNITED SERVICES AUTO ASSOC            1,5,7            469             109                     481                     121                        11               12
USAA CASUALTY INS CO                  1,5,7            347             267                     625                     109                         8                7
UTICA NATL INS CO OF TEXAS              1              446             170                     346                     153                        11               25
                                                  APPENDIX I
                            AUTO INSURANCE PRICE COMPARISON TABLES
                                               IN NEW YORK STATE
                                                  as of July 1, 2009


                         PAGE REFERENCES FOR SELECTED TERRITORIES

                       Territory                        Territory                           Page
                       Number                         Description                         Number
                           13                            Albany
                           72                 Albany County (Balance)
                           28                         Binghamton
                           7                   Buffalo & Lackawanna
                           42                     Buffalo Suburban
                                        Clinton, Essex, Franklin, Hamilton,
                           67              Lewis, St. Lawrence, Warren
                                        (Balance) & Washington (Balance)
                                                     Counties
                           59                    Columbia & Catskill
                                         Cortland, Chenango, Chemung
                           54          County (Balance), Tioga, Schuyler &
                                               Tompkins Counties

                           61         Delaware, Herkimer South, Otsego &
                                             Schoharie Counties
                           27                            Elmira
                           51                            Ontario
                           33                       Poughkeepsie
                           11                          Rochester
                           39                   Rochester Suburban
                           9                    Schenectady County
                           82                       Sullivan County
                           12                           Syracuse
                           38                    Syracuse Suburban
                           34                              Troy
                           15                             Utica


Note:       The price information contained in this Guide is primarily intended for comparative purposes between insurers at
one point in time, July 1, 2009, and to illustrate the variance of rates available in the marketplace. These comparisons are
not intended to serve as a comparison of rate increases/decreases from one year to the next, since factors and criteria used
for the rate examples as well as individual insurers' underlying rating structures may change.
                                                                             TERRITORY 07 - BUFFALO
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE           NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE           COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO             TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000          $100,000

ASSIGNED RISK PLAN                                    1,858              506                  3,274                     412                     63               50
ADIRONDACK INS EXCH                     1             1,934              226                  1,820                     422                     50               28
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,700              512                  1,810                     482                     72               10
ALLSTATE PROP & CAS INS CO             1,7             647               220                    840                     111                      4               12
AMICA MUT INS CO                       1,7            1,219              295                  1,359                     308                     34               13
CHUBB IND CO                            2             1,803              587                  1,737                     466 See Note 2                           44
COUNTRYWIDE INS CO                      1              847               282                    958                     284                     17               10
ELECTRIC INS CO                         7             1,633              660                  1,836                     270                     39               51
ERIE INS CO                            1,7            1,445              420                  1,428                     224                     50               16
ESURANCE INS CO                        1,7            2,808              544                  3,852                     202                    100               72
EVEREADY INS CO                                       1,944              284                  1,473                     447                     54               22
GEICO GENERAL INS CO                   1,7             796               119                  1,005                     139                     17               25
GEICO IND CO                           1,7            1,227              141                  1,218                     210                     54               33
GOVERNMENT EMPLOYEES INS CO            1,7             796               119                  1,005                     139                     17               25
GREAT NORTHERN INS CO                   2             1,200              241                    871                     309 See Note 2                           44
IDS PROPERTY CASUALTY INS CO            7             1,470              250                  1,532                     180                     16               12
LIBERTY MUT FIRE INS CO               1,2,7           2,072              388                  2,262                     377 See Note 2                           37
MERCURY CASUALTY CO                    1,7             802               146                    834                     166                     40               13
METROPOLITAN CAS INS CO                1,7            2,908              586                  2,216                     328                     99               35
METROPOLITAN GRP PROP & CAS INS CO     1,7            2,494              516                  1,862                     182                     68               20
NATIONWIDE INS CO OF AMER              1,7            2,104              235                  1,483                     514                     43               29
NEW SOUTH INS CO                        1             1,986              479                  2,262                     410                     63               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7            1,008              214                    874                     304                     45               30
PEERLESS INS CO                         1              961               288                  1,116                     113                     30               10
PROGRESSIVE ADVANCED INS CO            1,7            1,724              375                  1,719                     507                     95               32
PROGRESSIVE CASUALTY INS CO            1,7            1,916              431                  1,805                     652                    106               35
SENTINEL INS CO                       1,3,7           1,992              371                  1,913                       50 See Note 3                          92
STATE FARM FIRE AND CAS CO            1,4,7           2,330              261                  1,743                     456 See Note 4                           28
STATE FARM MUT AUTO INS CO            1,4,7           1,999              249                  1,494                     390 See Note 4                           23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,479              277                  1,493                     422                     23               58
UNITED SERVICES AUTO ASSOC            1,5,7            952               185                    709                     195                     26               12
USAA CASUALTY INS CO                  1,5,7            679               473                    927                     148                     19                7
UTICA NATL INS CO OF TEXAS              1             1,731              522                  1,531                     397                     54               25
                                                                             TERRITORY 07 - BUFFALO
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                    1,186              506                  2,236                     284                    40               50
ADIRONDACK INS EXCH                     1             1,832              164                  1,174                     384                    42               30
ALLMERICA FINANCIAL ALLIANCE INS CO     1             2,160              338                  1,160                     372                    52               10
ALLSTATE PROP & CAS INS CO             1,7             637               170                    622                       97                    2               12
AMICA MUT INS CO                       1,7             879               175                    963                     224                    25               13
CHUBB IND CO                            2             1,347              493                  1,260                     338 See Note 2                          44
COUNTRYWIDE INS CO                      1              410               282                    426                     149                     8               10
ELECTRIC INS CO                         7             1,043              375                  1,153                     182                    25               31
ERIE INS CO                            1,7             692               271                    675                     142                    23               16
ESURANCE INS CO                        1,7            2,390              352                  2,430                     146                    70               78
EVEREADY INS CO                                       1,275              284                    994                     315                    34               22
GEICO GENERAL INS CO                   1,7             658               108                    772                     112                    13               25
GEICO IND CO                           1,7            1,026              125                    944                     180                    45               33
GOVERNMENT EMPLOYEES INS CO            1,7             658               108                    772                     112                    13               25
GREAT NORTHERN INS CO                   2              918               206                    648                     228 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              750               126                    776                     100                     8               12
LIBERTY MUT FIRE INS CO               1,2,7           1,224              227                  1,304                     224 See Note 2                          37
MERCURY CASUALTY CO                    1,7             656               112                    552                     130                    30               13
METROPOLITAN CAS INS CO                1,7            2,250              428                  1,707                     256                    76               28
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,636              416                  1,214                     122                    48               14
NATIONWIDE INS CO OF AMER              1,7            1,797              167                  1,132                     396                    32               29
NEW SOUTH INS CO                        1             1,843              339                  1,497                     339                    50               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7             874               194                    741                     260                    39               30
PEERLESS INS CO                         1              616               173                    691                       86                   18               10
PROGRESSIVE ADVANCED INS CO            1,7            1,532              279                  1,378                     415                    87               32
PROGRESSIVE CASUALTY INS CO            1,7            1,682              331                  1,457                     529                    98               35
SENTINEL INS CO                       1,3,7           1,906              279                  1,592                       46 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           1,888              188                  1,410                     374 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           1,620              179                  1,209                     320 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,420              213                  1,426                     391                    20               64
UNITED SERVICES AUTO ASSOC            1,5,7            559               101                    410                     116                    14               12
USAA CASUALTY INS CO                  1,5,7            409               245                    532                       92                   11                7
UTICA NATL INS CO OF TEXAS              1             1,372              301                  1,203                     318                    42               25
                                                                             TERRITORY 07 - BUFFALO
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                    1,052              506                  1,775                     258                    35               50
ADIRONDACK INS EXCH                     1              564                 54                   268                       92                   12               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,250              248                    546                     232                    28               12
ALLSTATE PROP & CAS INS CO             1,7             391               104                    254                       71                    4                9
AMICA MUT INS CO                       1,7             454               191                    468                       96                   12               13
CHUBB IND CO                            2              976               455                    874                     237 See Note 2                          44
COUNTRYWIDE INS CO                      1              449               282                    468                     160                     9               10
ELECTRIC INS CO                         7              645               356                    692                     120                    16               18
ERIE INS CO                            1,7             446               173                    434                     113                    16               16
ESURANCE INS CO                        1,7            1,592              272                  1,136                       38                   32               66
EVEREADY INS CO                                       1,305              284                    820                     321                    35               22
GEICO GENERAL INS CO                   1,7             272                 46                   305                       46                    5               25
GEICO IND CO                           1,7             692               109                    609                     131                    30               33
GOVERNMENT EMPLOYEES INS CO            1,7             272                 46                   305                       46                    5               25
GREAT NORTHERN INS CO                   2              691               192                    466                     162 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              470                 88                   482                       68                    6               12
LIBERTY MUT FIRE INS CO               1,2,7            959               218                  1,004                     177 See Note 2                          37
MERCURY CASUALTY CO                    1,7             420                 82                   358                       84                   16               13
METROPOLITAN CAS INS CO                1,7            1,132              215                    830                     135                    35               11
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,052              294                    768                       86                   30               10
NATIONWIDE INS CO OF AMER              1,7             874               135                    507                     184                    14               29
NEW SOUTH INS CO                        1              937               211                    684                     168                    22               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             702               166                    465                     196                    27               30
PEERLESS INS CO                         1              364               167                    385                       68                   10               10
PROGRESSIVE ADVANCED INS CO            1,7             507               120                    368                     117                    21               32
PROGRESSIVE CASUALTY INS CO            1,7             524               165                    425                     143                    24               35
SENTINEL INS CO                       1,3,7            829               162                    520                       36 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           1,030              120                    765                     217 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            884               114                    656                     186 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            467               130                    342                     119                     4               21
UNITED SERVICES AUTO ASSOC            1,5,7            453                 94                   328                       94                   11               12
USAA CASUALTY INS CO                  1,5,7            335               225                    424                       76                    9                7
UTICA NATL INS CO OF TEXAS              1              589               296                    489                     145                    17               25
                                                                             TERRITORY 07 - BUFFALO
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                    1,052              506                  1,775                     258                    35               50
ADIRONDACK INS EXCH                     1              570                 50                   280                       94                   12               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,164              204                    558                     224                    24               14
ALLSTATE PROP & CAS INS CO             1,7             391               104                    254                       71                    4                9
AMICA MUT INS CO                       1,7             454               167                    468                       96                   12               13
CHUBB IND CO                            2              976               455                    874                     237 See Note 2                          44
COUNTRYWIDE INS CO                      1              449               282                    468                     160                     9               10
ELECTRIC INS CO                         7              663               324                    711                     122                    15               18
ERIE INS CO                            1,7             446               173                    434                     113                    16               16
ESURANCE INS CO                        1,7            1,478              250                  1,136                       38                   32               56
EVEREADY INS CO                                       1,305              284                    820                     321                    35               22
GEICO GENERAL INS CO                   1,7             272                 46                   305                       46                    5               25
GEICO IND CO                           1,7             659               109                    579                     126                    28               33
GOVERNMENT EMPLOYEES INS CO            1,7             272                 46                   305                       46                    5               25
GREAT NORTHERN INS CO                   2              691               192                    466                     162 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              470                 88                   482                       68                    6               12
LIBERTY MUT FIRE INS CO               1,2,7            959               218                  1,004                     177 See Note 2                          37
MERCURY CASUALTY CO                    1,7             424                 78                   330                       82                   16               13
METROPOLITAN CAS INS CO                1,7            1,132              215                    830                     135                    35               11
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,052              294                    768                       86                   30               10
NATIONWIDE INS CO OF AMER              1,7             934               125                    507                     184                    14               29
NEW SOUTH INS CO                        1              901               186                    666                     160                    20               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             702               166                    465                     196                    27               30
PEERLESS INS CO                         1              364               153                    385                       68                   10               10
PROGRESSIVE ADVANCED INS CO            1,7             537               122                    404                     128                    22               32
PROGRESSIVE CASUALTY INS CO            1,7             559               167                    462                     158                    25               35
SENTINEL INS CO                       1,3,7            823               144                    537                       36 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           1,030              120                    765                     217 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            884               114                    656                     186 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            482               122                    349                     119                     5               23
UNITED SERVICES AUTO ASSOC            1,5,7            453                 94                   328                       94                   11               12
USAA CASUALTY INS CO                  1,5,7            335               225                    424                       76                    9                7
UTICA NATL INS CO OF TEXAS              1              589               296                    489                     145                    17               25
                                                                             TERRITORY 07 - BUFFALO
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                             RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                     949               506                  1,686                     239                    32               50
ADIRONDACK INS EXCH                     1              608                 42                   274                     110                    14               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,344              156                    510                     262                    32               10
ALLSTATE PROP & CAS INS CO             1,7             403                 76                   228                       83                    2                9
AMICA MUT INS CO                       1,7             421               119                    429                       89                   11               13
CHUBB IND CO                            2              808               341                    699                     190 See Note 2                          44
COUNTRYWIDE INS CO                      1              410               282                    426                     149                     8               10
ELECTRIC INS CO                         7              553               223                    585                     105                    13               15
ERIE INS CO                            1,7             458               175                    445                     115                    16               16
ESURANCE INS CO                        1,7            1,504              222                  1,236                       72                   40               48
EVEREADY INS CO                                       1,148              284                    778                     291                    31               22
GEICO GENERAL INS CO                   1,7             238                 36                   261                       41                    4               25
GEICO IND CO                           1,7             692               109                    609                     131                    30               33
GOVERNMENT EMPLOYEES INS CO            1,7             238                 36                   261                       41                    4               25
GREAT NORTHERN INS CO                   2              587               151                    383                     132 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              470                 84                   482                       68                    6               12
LIBERTY MUT FIRE INS CO               1,2,7            769               180                    789                     142 See Note 2                          37
MERCURY CASUALTY CO                    1,7             486                 64                   344                     102                    22               13
METROPOLITAN CAS INS CO                1,7             933               198                    676                     114                    28                6
METROPOLITAN GRP PROP & CAS INS CO     1,7             814               220                    588                       72                   22                8
NATIONWIDE INS CO OF AMER              1,7             918               109                    537                     194                    15               29
NEW SOUTH INS CO                        1             1,025              143                    709                     210                    30               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             664               125                    461                     194                    26               30
PEERLESS INS CO                         1              367               121                    389                       70                   11               10
PROGRESSIVE ADVANCED INS CO            1,7             519                 90                   385                     125                    23               32
PROGRESSIVE CASUALTY INS CO            1,7             540               134                    443                     154                    26               35
SENTINEL INS CO                       1,3,7            848                 89                   582                       35 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            905               100                    672                     195 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            778                 95                   576                     166 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            636               101                    420                     150                     7               34
UNITED SERVICES AUTO ASSOC            1,5,7            364                 65                   260                       75                    9               12
USAA CASUALTY INS CO                  1,5,7            274               146                    334                       63                    7                7
UTICA NATL INS CO OF TEXAS              1              508               171                    415                     129                    15               25
                                                                             TERRITORY 07 - BUFFALO
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                          RETIRED MARRIED FEMALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                     949               506                  1,686                     239                    32               50
ADIRONDACK INS EXCH                     1              644                 28                   276                     116                    12               10
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,122                90                   528                     238                    26               12
ALLSTATE PROP & CAS INS CO             1,7             403                 76                   228                       83                    2                9
AMICA MUT INS CO                       1,7             421               119                    429                       89                   11               13
CHUBB IND CO                            2              808               341                    699                     190 See Note 2                          44
COUNTRYWIDE INS CO                      1              410               282                    426                     149                     8               10
ELECTRIC INS CO                         7              553               223                    585                     105                    13               15
ERIE INS CO                            1,7             458               175                    445                     115                    16               16
ESURANCE INS CO                        1,7            1,366              126                  1,082                       68                   38               38
EVEREADY INS CO                                       1,148              284                    778                     291                    31               22
GEICO GENERAL INS CO                   1,7             238                 36                   261                       41                    4               25
GEICO IND CO                           1,7             692               109                    609                     131                    30               33
GOVERNMENT EMPLOYEES INS CO            1,7             238                 36                   261                       41                    4               25
GREAT NORTHERN INS CO                   2              587               151                    383                     132 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              470                 84                   482                       68                    6               12
LIBERTY MUT FIRE INS CO               1,2,7            769               180                    789                     142 See Note 2                          37
MERCURY CASUALTY CO                    1,7             450                 52                   276                     100                    20               13
METROPOLITAN CAS INS CO                1,7             933               198                    676                     114                    28                6
METROPOLITAN GRP PROP & CAS INS CO     1,7             814               220                    588                       72                   22                8
NATIONWIDE INS CO OF AMER              1,7             810                 90                   477                     174                    13               29
NEW SOUTH INS CO                        1              896               103                    618                     193                    27               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7             664               125                    461                     194                    26               30
PEERLESS INS CO                         1              367               121                    389                       70                   11               10
PROGRESSIVE ADVANCED INS CO            1,7             485                 77                   339                     118                    22               32
PROGRESSIVE CASUALTY INS CO            1,7             502               120                    396                     143                    25               35
SENTINEL INS CO                       1,3,7            798                 72                   590                       34 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            905               100                    672                     195 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            778                 95                   576                     166 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            641                 86                   456                     158                     8               30
UNITED SERVICES AUTO ASSOC            1,5,7            364                 65                   260                       75                    9               12
USAA CASUALTY INS CO                  1,5,7            274               146                    334                       63                    7                7
UTICA NATL INS CO OF TEXAS              1              508               171                    415                     129                    15               25
                                                                        TERRITORY 09 - SCHENECTADY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                    1,369              206                  2,330                     295                    54               50
ADIRONDACK INS EXCH                     1             1,366              106                  1,290                     260                    48               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,662              162                  1,334                     298                    50               12
ALLSTATE PROP & CAS INS CO             1,7             437               206                    908                       71                    8               12
AMICA MUT INS CO                       1,7             944                 72                 1,211                     252                    28               13
CHUBB IND CO                            2             1,313              174                  1,213                     342 See Note 2                          44
COUNTRYWIDE INS CO                      1              586               162                    899                     173                    16               10
ELECTRIC INS CO                         7             1,111              254                  1,432                     206                    30               50
ERIE INS CO                            1,7             937               254                  1,227                     160                    36               16
ESURANCE INS CO                        1,7            1,934              204                  3,028                     128                    80               72
EVEREADY INS CO                                       1,522              147                  1,258                     361                    43               22
GEICO GENERAL INS CO                   1,7             685                 50                   859                     118                    15               25
GEICO IND CO                           1,7             984                 79                   908                     175                    45               33
GOVERNMENT EMPLOYEES INS CO            1,7             685                 50                   859                     118                    15               25
GREAT NORTHERN INS CO                   2              771                 92                   670                     187 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7             1,008                98                 1,154                     140                    12               12
LIBERTY MUT FIRE INS CO               1,2,7           1,166              132                  1,662                     241 See Note 2                          37
MERCURY CASUALTY CO                    1,7             686               118                    992                     150                    32               13
METROPOLITAN CAS INS CO                1,7            1,457              137                  1,372                     161                    62               33
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,472              212                  1,486                     110                    58               24
NATIONWIDE INS CO OF AMER              1,7            1,096              157                  1,014                     209                    37               29
NEW SOUTH INS CO                        1             1,479              233                  1,887                     287                    66               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7             661               118                    819                     174                    32               19
PEERLESS INS CO                         1             1,122              252                    987                     128                    29               10
PROGRESSIVE ADVANCED INS CO            1,7             970               199                  1,324                     288                    58               32
PROGRESSIVE CASUALTY INS CO            1,7            1,044              248                  1,402                     359                    65               35
SENTINEL INS CO                       1,3,7           1,260              156                  1,209                       41 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           1,150              180                  1,346                     257 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            987               172                  1,154                     219 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,079              134                  1,162                     298                    16               65
UNITED SERVICES AUTO ASSOC            1,5,7            906                 97                   677                     190                    27               12
USAA CASUALTY INS CO                  1,5,7            650               232                    884                     145                    20                7
UTICA NATL INS CO OF TEXAS              1              902               106                    769                     217                    29               25
                                                                        TERRITORY 09 - SCHENECTADY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                     914               206                  1,591                     217                    36               50
ADIRONDACK INS EXCH                     1             1,288                76                   834                     238                    42               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,324              106                    856                     242                    36               10
ALLSTATE PROP & CAS INS CO             1,7             403               152                    672                       67                    4               12
AMICA MUT INS CO                       1,7             687                 48                   859                     183                    19               13
CHUBB IND CO                            2             1,052              152                    944                     268 See Note 2                          44
COUNTRYWIDE INS CO                      1              287               162                    399                       98                    8               10
ELECTRIC INS CO                         7              718               146                    900                     141                    18               31
ERIE INS CO                            1,7             450               165                    580                     111                    18               16
ESURANCE INS CO                        1,7            1,612              132                  1,910                       92                   58               78
EVEREADY INS CO                                       1,028              147                    851                     264                    28               22
GEICO GENERAL INS CO                   1,7             565                 46                   661                       94                   11               25
GEICO IND CO                           1,7             824                 70                   704                     151                    37               33
GOVERNMENT EMPLOYEES INS CO            1,7             565                 46                   661                       94                   11               25
GREAT NORTHERN INS CO                   2              643                 83                   533                     148 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              516                 50                   584                       80                    6               12
LIBERTY MUT FIRE INS CO               1,2,7            706                 80                   960                     146 See Note 2                          37
MERCURY CASUALTY CO                    1,7             578                 92                   652                     120                    24               13
METROPOLITAN CAS INS CO                1,7            1,138              106                  1,060                     128                    51               26
METROPOLITAN GRP PROP & CAS INS CO     1,7             970               170                    970                       80                   38               16
NATIONWIDE INS CO OF AMER              1,7             907               115                    779                     165                    28               29
NEW SOUTH INS CO                        1             1,308              171                  1,252                     242                    52               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7             573               107                    694                     151                    28               19
PEERLESS INS CO                         1              713               152                    612                       97                   19               10
PROGRESSIVE ADVANCED INS CO            1,7             868               148                  1,062                     240                    53               32
PROGRESSIVE CASUALTY INS CO            1,7             921               194                  1,134                     294                    60               35
SENTINEL INS CO                       1,3,7           1,184              117                  1,006                       39 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            933               130                  1,089                     213 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            801               124                    934                     182 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,039              104                  1,110                     277                    14               73
UNITED SERVICES AUTO ASSOC            1,5,7            534                 57                   392                     113                    15               12
USAA CASUALTY INS CO                  1,5,7            392               125                    508                       90                   11                7
UTICA NATL INS CO OF TEXAS              1              722                 64                   605                     178                    23               25
                                                                        TERRITORY 09 - SCHENECTADY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                     836               206                  1,262                     204                    32               50
ADIRONDACK INS EXCH                     1              428                 26                   190                       60                   10                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1              770                 78                   404                     166                    18               12
ALLSTATE PROP & CAS INS CO             1,7             261                 96                   276                       57                    2                9
AMICA MUT INS CO                       1,7             365                 51                   419                       82                    9               13
CHUBB IND CO                            2              798               142                    682                     194 See Note 2                          44
COUNTRYWIDE INS CO                      1              313               162                    441                     105                     8               10
ELECTRIC INS CO                         7              450               139                    542                       98                   11               20
ERIE INS CO                            1,7             294               105                    371                       96                   11               16
ESURANCE INS CO                        1,7            1,058              102                    892                       28                   26               66
EVEREADY INS CO                                        979               147                    699                     255                    28               22
GEICO GENERAL INS CO                   1,7             235                 20                   261                       39                    4               25
GEICO IND CO                           1,7             557                 61                   454                     110                    25               33
GOVERNMENT EMPLOYEES INS CO            1,7             235                 20                   261                       39                    4               25
GREAT NORTHERN INS CO                   2              515                 80                   398                     113 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              326                 34                   364                       56                    4               12
LIBERTY MUT FIRE INS CO               1,2,7            563                 77                   741                     117 See Note 2                          37
MERCURY CASUALTY CO                    1,7             384                 72                   420                       78                   12               13
METROPOLITAN CAS INS CO                1,7             598                 67                   522                       75                   23               16
METROPOLITAN GRP PROP & CAS INS CO     1,7             630               124                    614                       56                   24               12
NATIONWIDE INS CO OF AMER              1,7             462                 95                   359                       88                   12               29
NEW SOUTH INS CO                        1              657               115                    577                     125                    23               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             464                 92                   436                     114                    20               19
PEERLESS INS CO                         1              415               147                    341                       73                   10               10
PROGRESSIVE ADVANCED INS CO            1,7             310                 63                   283                       72                   12               32
PROGRESSIVE CASUALTY INS CO            1,7             301               106                    339                       82                   15               35
SENTINEL INS CO                       1,3,7            560                 68                   328                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            511                 83                   591                     130 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            440                 79                   506                     111 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            357                 65                   275                       90                    2               23
UNITED SERVICES AUTO ASSOC            1,5,7            432                 54                   314                       92                   12               12
USAA CASUALTY INS CO                  1,5,7            323               115                    405                       75                    9                7
UTICA NATL INS CO OF TEXAS              1              329                 62                   252                       90                   10               25
                                                                        TERRITORY 09 - SCHENECTADY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                     836               206                  1,262                     204                    32               50
ADIRONDACK INS EXCH                     1              434                 22                   200                       60                   10                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1              724                 66                   410                     160                    16               12
ALLSTATE PROP & CAS INS CO             1,7             261                 96                   276                       57                    2                9
AMICA MUT INS CO                       1,7             365                 47                   419                       82                    9               13
CHUBB IND CO                            2              798               142                    682                     194 See Note 2                          44
COUNTRYWIDE INS CO                      1              313               162                    441                     105                     8               10
ELECTRIC INS CO                         7              462               126                    556                       99                   12               20
ERIE INS CO                            1,7             294               105                    371                       96                   11               16
ESURANCE INS CO                        1,7            1,006                94                   892                       26                   28               56
EVEREADY INS CO                                        979               147                    699                     255                    28               22
GEICO GENERAL INS CO                   1,7             235                 20                   261                       39                    4               25
GEICO IND CO                           1,7             531                 61                   431                     106                    24               33
GOVERNMENT EMPLOYEES INS CO            1,7             235                 20                   261                       39                    4               25
GREAT NORTHERN INS CO                   2              515                 80                   398                     113 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              326                 34                   364                       56                    4               12
LIBERTY MUT FIRE INS CO               1,2,7            563                 77                   741                     117 See Note 2                          37
MERCURY CASUALTY CO                    1,7             392                 68                   386                       78                   12               13
METROPOLITAN CAS INS CO                1,7             598                 67                   522                       75                   23               16
METROPOLITAN GRP PROP & CAS INS CO     1,7             630               124                    614                       56                   24               12
NATIONWIDE INS CO OF AMER              1,7             479                 88                   359                       88                   12               29
NEW SOUTH INS CO                        1              628               104                    562                     120                    21               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             464                 92                   436                     114                    20               19
PEERLESS INS CO                         1              415               134                    341                       73                   10               10
PROGRESSIVE ADVANCED INS CO            1,7             325                 65                   311                       78                   13               32
PROGRESSIVE CASUALTY INS CO            1,7             318               108                    367                       90                   15               35
SENTINEL INS CO                       1,3,7            552                 61                   340                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            511                 83                   591                     130 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            440                 79                   506                     111 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            368                 61                   280                       91                    3               26
UNITED SERVICES AUTO ASSOC            1,5,7            432                 54                   314                       92                   12               12
USAA CASUALTY INS CO                  1,5,7            323               115                    405                       75                    9                7
UTICA NATL INS CO OF TEXAS              1              329                 62                   252                       90                   10               25
                                                                        TERRITORY 09 - SCHENECTADY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                             RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                     755               206                  1,200                     190                    29               50
ADIRONDACK INS EXCH                     1              460                 20                   194                       70                   10                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1              838                 52                   380                     180                    22               12
ALLSTATE PROP & CAS INS CO             1,7             275                 72                   244                       59                    4                9
AMICA MUT INS CO                       1,7             341                 36                   384                       74                    7               13
CHUBB IND CO                            2              669               114                    549                     157 See Note 2                          44
COUNTRYWIDE INS CO                      1              287               162                    399                       98                    8               10
ELECTRIC INS CO                         7              389                 88                   458                       86                   10               16
ERIE INS CO                            1,7             301               107                    382                       96                   11               16
ESURANCE INS CO                        1,7            1,044                82                   972                       46                   34               48
EVEREADY INS CO                                        861               147                    664                     233                    26               22
GEICO GENERAL INS CO                   1,7             205                 17                   224                       34                    4               25
GEICO IND CO                           1,7             557                 61                   454                     110                    25               33
GOVERNMENT EMPLOYEES INS CO            1,7             205                 17                   224                       34                    4               25
GREAT NORTHERN INS CO                   2              451                 69                   330                       93 See Note 2                         44
IDS PROPERTY CASUALTY INS CO            7              326                 32                   364                       56                    4               12
LIBERTY MUT FIRE INS CO               1,2,7            459                 65                   583                       95 See Note 2                         37
MERCURY CASUALTY CO                    1,7             428                 58                   402                       94                   18               13
METROPOLITAN CAS INS CO                1,7             505                 61                   428                       67                   17               12
METROPOLITAN GRP PROP & CAS INS CO     1,7             496                 96                   474                       46                   16                8
NATIONWIDE INS CO OF AMER              1,7             483                 79                   379                       92                   12               29
NEW SOUTH INS CO                        1              760                 85                   597                     152                    31               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             439                 70                   431                     113                    20               19
PEERLESS INS CO                         1              422               107                    345                       73                    9               10
PROGRESSIVE ADVANCED INS CO            1,7             319                 48                   297                       75                   15               32
PROGRESSIVE CASUALTY INS CO            1,7             310                 90                   353                       89                   16               35
SENTINEL INS CO                       1,3,7            576                 37                   368                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            451                 69                   519                     118 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            388                 66                   445                     101 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            480                 51                   335                     110                     4               38
UNITED SERVICES AUTO ASSOC            1,5,7            347                 40                   249                       74                    9               12
USAA CASUALTY INS CO                  1,5,7            263                 78                   320                       63                    7                7
UTICA NATL INS CO OF TEXAS              1              262                 55                   331                       82                    9               25
                                                                      TERRITORY 09 - SCHENECTADY
                                                                      (See Appendix III for a detailed description of the Territory)

                                                                      REPRESENTATIVE ANNUAL PREMIUMS
                                                                        RETIRED MARRIED FEMALE, AGE 69
                                                               REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                              $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                 AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                   COMPRE-                                       BODILY

                                                FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                 COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                               $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES     DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                    755              206                  1,200                     190                    29               50
ADIRONDACK INS EXCH                     1             482                14                   196                       74                   14                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1             712                30                   394                     170                    22               12
ALLSTATE PROP & CAS INS CO             1,7            275                72                   244                       59                    4                9
AMICA MUT INS CO                       1,7            341                36                   384                       74                    7               13
CHUBB IND CO                            2             669              114                    549                     157 See Note 2                          44
COUNTRYWIDE INS CO                      1             287              162                    399                       98                    8               10
ELECTRIC INS CO                         7             389                88                   458                       86                   10               16
ERIE INS CO                            1,7            301              107                    382                       96                   11               16
ESURANCE INS CO                        1,7            970                46                   850                       46                   30               38
EVEREADY INS CO                                       861              147                    664                     233                    26               22
GEICO GENERAL INS CO                   1,7            205                17                   224                       34                    4               25
GEICO IND CO                           1,7            557                61                   454                     110                    25               33
GOVERNMENT EMPLOYEES INS CO            1,7            205                17                   224                       34                    4               25
GREAT NORTHERN INS CO                   2             451                69                   330                       93 See Note 2                         44
IDS PROPERTY CASUALTY INS CO            7             326                32                   364                       56                    4               12
LIBERTY MUT FIRE INS CO               1,2,7           459                65                   583                       95 See Note 2                         37
MERCURY CASUALTY CO                    1,7            392                48                   322                       92                   16               13
METROPOLITAN CAS INS CO                1,7            505                61                   428                       67                   17               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            496                96                   474                       46                   16                8
NATIONWIDE INS CO OF AMER              1,7            436                67                   339                       84                   11               29
NEW SOUTH INS CO                        1             674                68                   522                     141                    28               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7            439                70                   431                     113                    20               19
PEERLESS INS CO                         1             422              107                    345                       73                    9               10
PROGRESSIVE ADVANCED INS CO            1,7            301                41                   261                       72                   14               32
PROGRESSIVE CASUALTY INS CO            1,7            292                83                   317                       83                   15               35
SENTINEL INS CO                       1,3,7           546                30                   373                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           451                69                   519                     118 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           388                66                   445                     101 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           483                44                   363                     115                     5               34
UNITED SERVICES AUTO ASSOC            1,5,7           347                40                   249                       74                    9               12
USAA CASUALTY INS CO                  1,5,7           263                78                   320                       63                    7                7
UTICA NATL INS CO OF TEXAS              1             288                38                   215                       82                    9               25
                                                                          TERRITORY 11 - ROCHESTER
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                    1,040              365                  2,748                     219                    50               50
ADIRONDACK INS EXCH                     1             1,130              178                  1,230                     222                    34               14
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,460              212                  1,294                     260                    40               12
ALLSTATE PROP & CAS INS CO             1,7             507               250                    832                       77                    6               12
AMICA MUT INS CO                       1,7             729                 85                   946                     163                    22               13
CHUBB IND CO                            2             1,190              301                  1,285                     297 See Note 2                          44
COUNTRYWIDE INS CO                      1              728               156                    868                     217                    18               10
ELECTRIC INS CO                         7              940               308                  1,159                     159                    27               49
ERIE INS CO                            1,7             878               290                  1,174                     156                    30               16
ESURANCE INS CO                        1,7            1,818              252                  2,530                       96                   88               72
EVEREADY INS CO                                       1,297              128                  1,079                     279                    43               22
GEICO GENERAL INS CO                   1,7             451                 57                   689                       61                   12               25
GEICO IND CO                           1,7             725                 82                   848                     117                    40               33
GOVERNMENT EMPLOYEES INS CO            1,7             451                 57                   689                       61                   12               25
GREAT NORTHERN INS CO                   2              764               110                    636                     184 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              864               120                  1,144                     126                    10               12
LIBERTY MUT FIRE INS CO               1,2,7           1,150              201                  2,021                     229 See Note 2                          37
MERCURY CASUALTY CO                    1,7             576               146                    756                     128                    28               13
METROPOLITAN CAS INS CO                1,7            1,285              157                  1,257                     134                    58               33
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,206              240                  1,292                       92                   54               22
NATIONWIDE INS CO OF AMER              1,7             917               150                    994                     172                    31               29
NEW SOUTH INS CO                        1             1,228              250                  1,599                     239                    55               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7             568               109                    709                     178                    26               15
PEERLESS INS CO                         1              995               172                    802                     105                    35               10
PROGRESSIVE ADVANCED INS CO            1,7            1,053              238                  1,316                     276                    77               32
PROGRESSIVE CASUALTY INS CO            1,7            1,136              289                  1,394                     341                    85               35
SENTINEL INS CO                       1,3,7           1,345              254                  1,759                       41 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           1,294              224                  1,358                     315 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           1,111              213                  1,164                     270 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            935               170                  1,005                     264                    15               60
UNITED SERVICES AUTO ASSOC            1,5,7            692                 81                   598                     136                    21               12
USAA CASUALTY INS CO                  1,5,7            505               190                    780                     106                    16                7
UTICA NATL INS CO OF TEXAS              1              637               136                    831                     135                    21               25
                                                                          TERRITORY 11 - ROCHESTER
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                     696               365                  1,876                     166                    33               50
ADIRONDACK INS EXCH                     1             1,072              130                    790                     204                    28               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,194              140                    830                     210                    32               10
ALLSTATE PROP & CAS INS CO             1,7             471               186                    616                       69                    6               12
AMICA MUT INS CO                       1,7             535                 55                   673                     124                    16               13
CHUBB IND CO                            2              911               256                    940                     220 See Note 2                          44
COUNTRYWIDE INS CO                      1              356               156                    385                     118                     8               10
ELECTRIC INS CO                         7              608               176                    729                     112                    17               31
ERIE INS CO                            1,7             420               187                    556                     110                    16               16
ESURANCE INS CO                        1,7            1,510              162                  1,596                       72                   60               78
EVEREADY INS CO                                        879               128                    728                     209                    28               22
GEICO GENERAL INS CO                   1,7             373                 52                   532                       50                    9               25
GEICO IND CO                           1,7             608                 72                   657                     103                    33               33
GOVERNMENT EMPLOYEES INS CO            1,7             373                 52                   532                       50                    9               25
GREAT NORTHERN INS CO                   2              610                 98                   481                     139 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              442                 62                   580                       72                    6               12
LIBERTY MUT FIRE INS CO               1,2,7            697               120                  1,166                     140 See Note 2                          37
MERCURY CASUALTY CO                    1,7             488               112                    502                     102                    20               13
METROPOLITAN CAS INS CO                1,7            1,006              122                    968                     110                    45               27
METROPOLITAN GRP PROP & CAS INS CO     1,7             796               196                    842                       62                   38               16
NATIONWIDE INS CO OF AMER              1,7             761               111                    764                     137                    24               29
NEW SOUTH INS CO                        1             1,091              183                  1,064                     205                    42               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7             493               100                    602                     153                    22               15
PEERLESS INS CO                         1              636               104                    498                       82                   21               10
PROGRESSIVE ADVANCED INS CO            1,7             948               177                  1,055                     229                    70               32
PROGRESSIVE CASUALTY INS CO            1,7            1,007              225                  1,127                     280                    79               35
SENTINEL INS CO                       1,3,7           1,265              191                  1,464                       38 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           1,050              161                  1,099                     261 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            902               154                    942                     222 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            901               132                    960                     245                    13               67
UNITED SERVICES AUTO ASSOC            1,5,7            415                 49                   348                       82                   12               12
USAA CASUALTY INS CO                  1,5,7            311               104                    450                       68                    9                7
UTICA NATL INS CO OF TEXAS              1              515                 81                   655                     114                    17               25
                                                                        TERRITORY 11 - ROCHESTER
                                                                      (See Appendix III for a detailed description of the Territory)

                                                                      REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED MALE, AGE 35
                                                               REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                              $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                 AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                   COMPRE-                                       BODILY

                                                FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                 COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                               $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES     DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                    638              365                  1,489                     157                    30               50
ADIRONDACK INS EXCH                     1             380                44                   180                       50                    8                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1             718              102                    392                     152                    14               12
ALLSTATE PROP & CAS INS CO             1,7            299              112                    254                       57                    2                9
AMICA MUT INS CO                       1,7            293                59                   331                       60                    9               13
CHUBB IND CO                            2             687              238                    660                     157 See Note 2                          44
COUNTRYWIDE INS CO                      1             388              156                    424                     128                     9               10
ELECTRIC INS CO                         7             387              167                    440                       80                   10               18
ERIE INS CO                            1,7            275              120                    357                       95                    9               16
ESURANCE INS CO                        1,7            990              126                    746                       22                   28               66
EVEREADY INS CO                                       841              128                    599                     203                    28               22
GEICO GENERAL INS CO                   1,7            156                23                   211                       22                    4               25
GEICO IND CO                           1,7            428                98                   460                       97                   21               33
GOVERNMENT EMPLOYEES INS CO            1,7            156                23                   211                       22                    4               25
GREAT NORTHERN INS CO                   2             484                93                   355                     104 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7             278                42                   360                       52                    4               12
LIBERTY MUT FIRE INS CO               1,2,7           555              115                    899                     112 See Note 2                          37
MERCURY CASUALTY CO                    1,7            328                82                   328                       70                   10               13
METROPOLITAN CAS INS CO                1,7            532                73                   481                       61                   22               16
METROPOLITAN GRP PROP & CAS INS CO     1,7            520              140                    536                       42                   22               10
NATIONWIDE INS CO OF AMER              1,7            398                92                   353                       76                   10               29
NEW SOUTH INS CO                        1             555              122                    494                     108                    19               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            398                85                   377                     117                    15               15
PEERLESS INS CO                         1             376                99                   278                       64                   12               10
PROGRESSIVE ADVANCED INS CO            1,7            327                76                   281                       69                   16               32
PROGRESSIVE CASUALTY INS CO            1,7            319              119                    337                       79                   19               35
SENTINEL INS CO                       1,3,7           585              111                    478                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           575              102                    596                     156 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           494                98                   511                     133 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           314                82                   240                       83                    3               22
UNITED SERVICES AUTO ASSOC            1,5,7           338                47                   280                       67                   10               12
USAA CASUALTY INS CO                  1,5,7           258                96                   360                       58                    7                7
UTICA NATL INS CO OF TEXAS              1             246                79                   271                       29                    6               25
                                                                        TERRITORY 11 - ROCHESTER
                                                                      (See Appendix III for a detailed description of the Territory)

                                                                      REPRESENTATIVE ANNUAL PREMIUMS
                                                                          ADULT MARRIED FEMALE, AGE 35
                                                               REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                              $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                 AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                   COMPRE-                                       BODILY

                                                FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                 COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                               $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES     DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                    638              365                  1,489                     157                    30               50
ADIRONDACK INS EXCH                     1             382                40                   190                       52                    8                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1             672                86                   400                     148                    16               10
ALLSTATE PROP & CAS INS CO             1,7            299              112                    254                       57                    2                9
AMICA MUT INS CO                       1,7            293                53                   331                       60                    9               13
CHUBB IND CO                            2             687              238                    660                     157 See Note 2                          44
COUNTRYWIDE INS CO                      1             388              156                    424                     128                     9               10
ELECTRIC INS CO                         7             396              152                    451                       81                   10               18
ERIE INS CO                            1,7            275              120                    357                       95                    9               16
ESURANCE INS CO                        1,7            944              116                    746                       22                   28               56
EVEREADY INS CO                                       841              128                    599                     203                    28               22
GEICO GENERAL INS CO                   1,7            156                23                   211                       22                    4               25
GEICO IND CO                           1,7            394                63                   403                       76                   21               33
GOVERNMENT EMPLOYEES INS CO            1,7            156                23                   211                       22                    4               25
GREAT NORTHERN INS CO                   2             484                93                   355                     104 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7             278                42                   360                       52                    4               12
LIBERTY MUT FIRE INS CO               1,2,7           555              115                    899                     112 See Note 2                          37
MERCURY CASUALTY CO                    1,7            334                78                   302                       68                   10               13
METROPOLITAN CAS INS CO                1,7            532                73                   481                       61                   22               16
METROPOLITAN GRP PROP & CAS INS CO     1,7            520              140                    536                       42                   22               10
NATIONWIDE INS CO OF AMER              1,7            412                86                   353                       76                   10               29
NEW SOUTH INS CO                        1             531              110                    481                     104                    18               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7            398                85                   377                     117                    15               15
PEERLESS INS CO                         1             376                91                   278                       64                   12               10
PROGRESSIVE ADVANCED INS CO            1,7            343                78                   309                       75                   18               32
PROGRESSIVE CASUALTY INS CO            1,7            338              121                    365                       86                   20               35
SENTINEL INS CO                       1,3,7           577                98                   494                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           575              102                    596                     156 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           494                98                   511                     133 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           323                78                   245                       84                    3               24
UNITED SERVICES AUTO ASSOC            1,5,7           338                47                   280                       67                   10               12
USAA CASUALTY INS CO                  1,5,7           258                96                   360                       58                    7                7
UTICA NATL INS CO OF TEXAS              1             246                79                   271                       63                    6               25
                                                                        TERRITORY 11 - ROCHESTER
                                                                      (See Appendix III for a detailed description of the Territory)

                                                                      REPRESENTATIVE ANNUAL PREMIUMS
                                                                           RETIRED MARRIED MALE, AGE 69
                                                               REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                              $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                 AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                   COMPRE-                                       BODILY

                                                FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                 COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                               $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES     DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                    576              365                  1,415                     148                    27               50
ADIRONDACK INS EXCH                     1             408                34                   184                       56                    6                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1             756                66                   368                     166                    18               12
ALLSTATE PROP & CAS INS CO             1,7            315                80                   226                       65                    4                9
AMICA MUT INS CO                       1,7            275                41                   306                       54                    6               13
CHUBB IND CO                            2             584              184                    533                     129 See Note 2                          44
COUNTRYWIDE INS CO                      1             356              156                    385                     118                     8               10
ELECTRIC INS CO                         7             335              106                    373                       71                    8               16
ERIE INS CO                            1,7            282              122                    366                       95                    9               16
ESURANCE INS CO                        1,7            984              102                    812                       38                   34               48
EVEREADY INS CO                                       741              128                    568                     186                    26               22
GEICO GENERAL INS CO                   1,7            139                19                   181                       20                    3               25
GEICO IND CO                           1,7            414                63                   424                       78                   22               33
GOVERNMENT EMPLOYEES INS CO            1,7            139                19                   181                       20                    3               25
GREAT NORTHERN INS CO                   2             427                79                   297                       87 See Note 2                         44
IDS PROPERTY CASUALTY INS CO            7             278                40                   360                       52                    4               12
LIBERTY MUT FIRE INS CO               1,2,7           454                96                   706                       91 See Note 2                         37
MERCURY CASUALTY CO                    1,7            364                64                   314                       82                   16               13
METROPOLITAN CAS INS CO                1,7            453                69                   393                       55                   16                5
METROPOLITAN GRP PROP & CAS INS CO     1,7            410              106                    414                       34                   16                8
NATIONWIDE INS CO OF AMER              1,7            415                77                   372                       79                   11               29
NEW SOUTH INS CO                        1             638                89                   511                     129                    26               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7            379                65                   374                     116                    15               15
PEERLESS INS CO                         1             381                72                   281                       64                   12               10
PROGRESSIVE ADVANCED INS CO            1,7            339                57                   295                       73                   19               32
PROGRESSIVE CASUALTY INS CO            1,7            334              100                    351                       84                   21               35
SENTINEL INS CO                       1,3,7           604                61                   535                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           507                85                   524                     140 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           436                81                   449                     119 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           417                65                   291                     100                     4               35
UNITED SERVICES AUTO ASSOC            1,5,7           275                35                   223                       55                    8               12
USAA CASUALTY INS CO                  1,5,7           214                66                   285                       49                    6                7
UTICA NATL INS CO OF TEXAS              1             219                48                   230                       61                    6               25
                                                                        TERRITORY 11 - ROCHESTER
                                                                      (See Appendix III for a detailed description of the Territory)

                                                                      REPRESENTATIVE ANNUAL PREMIUMS
                                                                        RETIRED MARRIED FEMALE, AGE 69
                                                               REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                              $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                 AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                   COMPRE-                                       BODILY

                                                FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                 COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                               $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES     DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                    576              365                  1,415                     148                    27               50
ADIRONDACK INS EXCH                     1             422                22                   186                       60                   10                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1             642                38                   384                     154                    16               14
ALLSTATE PROP & CAS INS CO             1,7            315                80                   226                       65                    4                9
AMICA MUT INS CO                       1,7            275                41                   306                       54                    6               13
CHUBB IND CO                            2             584              184                    533                     129 See Note 2                          44
COUNTRYWIDE INS CO                      1             356              156                    385                     118                     8               10
ELECTRIC INS CO                         7             335              106                    373                       71                    8               16
ERIE INS CO                            1,7            282              122                    366                       95                    9               16
ESURANCE INS CO                        1,7            920                58                   712                       36                   32               38
EVEREADY INS CO                                       741              128                    568                     186                    26               22
GEICO GENERAL INS CO                   1,7            139                19                   181                       20                    3               25
GEICO IND CO                           1,7            414                63                   424                       78                   22               33
GOVERNMENT EMPLOYEES INS CO            1,7            139                19                   181                       20                    3               25
GREAT NORTHERN INS CO                   2             427                79                   297                       87 See Note 2                         44
IDS PROPERTY CASUALTY INS CO            7             278                40                   360                       52                    4               12
LIBERTY MUT FIRE INS CO               1,2,7           454                96                   706                       91 See Note 2                         37
MERCURY CASUALTY CO                    1,7            334                52                   254                       80                   14               13
METROPOLITAN CAS INS CO                1,7            453                69                   393                       55                   16                5
METROPOLITAN GRP PROP & CAS INS CO     1,7            410              106                    414                       34                   16                8
NATIONWIDE INS CO OF AMER              1,7            377                65                   333                       73                   10               29
NEW SOUTH INS CO                        1             566                70                   448                     121                    23               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7            379                65                   374                     116                    15               15
PEERLESS INS CO                         1             381                72                   281                       64                   12               10
PROGRESSIVE ADVANCED INS CO            1,7            322                49                   259                       69                   17               32
PROGRESSIVE CASUALTY INS CO            1,7            313                91                   315                       80                   20               35
SENTINEL INS CO                       1,3,7           574                50                   543                       32 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           507                85                   524                     140 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           436                81                   449                     119 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           421                56                   316                     104                     4               31
UNITED SERVICES AUTO ASSOC            1,5,7           275                35                   223                       55                    8               12
USAA CASUALTY INS CO                  1,5,7           214                66                   285                       49                    6                7
UTICA NATL INS CO OF TEXAS              1             219                48                   230                       61                    6               25
                                                                            TERRITORY 12 - SYRACUSE
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                    1,362              285                  2,725                     274                    57               50
ADIRONDACK INS EXCH                     1             1,312              142                  1,440                     236                    44               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,586              176                  1,214                     246                    56               10
ALLSTATE PROP & CAS INS CO             1,7             579               192                  1,010                       99                    4               12
AMICA MUT INS CO                       1,7             852                 77                   972                     205                    23               13
CHUBB IND CO                            2             1,235              203                  1,543                     306 See Note 2                          44
COUNTRYWIDE INS CO                      1              658               177                    868                     186                    18               10
ELECTRIC INS CO                         7             1,052              203                  1,179                     167                    30               49
ERIE INS CO                            1,7            1,050              254                  1,247                     175                    38               16
ESURANCE INS CO                        1,7            1,758              190                  2,772                     116                    74               72
EVEREADY INS CO                                       1,661              112                  1,002                     394                    43               22
GEICO GENERAL INS CO                   1,7             559                 62                   814                       90                   13               25
GEICO IND CO                           1,7             853                 73                   936                     145                    40               33
GOVERNMENT EMPLOYEES INS CO            1,7             559                 62                   814                       90                   13               25
GREAT NORTHERN INS CO                   2              808               103                    811                     197 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7             1,110              110                  1,242                     150                    14               12
LIBERTY MUT FIRE INS CO               1,2,7           1,052              157                  1,615                     215 See Note 2                          37
MERCURY CASUALTY CO                    1,7             654               118                    854                     152                    32               13
METROPOLITAN CAS INS CO                1,7            1,253              147                  1,268                     125                    51               35
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,218              240                  1,304                       70                   56               24
NATIONWIDE INS CO OF AMER              1,7             954               131                  1,148                     190                    31               29
NEW SOUTH INS CO                        1             1,219              213                  1,648                     257                    48               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7             749                 96                   769                     209                    36               21
PEERLESS INS CO                         1             1,001              191                    962                     105                    31               10
PROGRESSIVE ADVANCED INS CO            1,7            1,002              151                  1,210                     271                    66               32
PROGRESSIVE CASUALTY INS CO            1,7            1,075              198                  1,285                     336                    74               35
SENTINEL INS CO                       1,3,7           1,402              195                  1,660                       42 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           1,272              201                  1,328                     277 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           1,092              191                  1,139                     237 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,088              143                  1,115                     286                    17               73
UNITED SERVICES AUTO ASSOC            1,5,7            793                 89                   674                     153                    23               12
USAA CASUALTY INS CO                  1,5,7            570               212                    880                     119                    17                7
UTICA NATL INS CO OF TEXAS              1              813               124                    921                     169                    27               25
                                                                            TERRITORY 12 - SYRACUSE
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                     910               285                  1,861                     202                    38               50
ADIRONDACK INS EXCH                     1             1,242              104                    930                     218                    38               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,276              118                    778                     200                    42               10
ALLSTATE PROP & CAS INS CO             1,7             555               148                    746                       87                    2               12
AMICA MUT INS CO                       1,7             624                 50                   692                     152                    16               13
CHUBB IND CO                            2              944               175                  1,123                     225 See Note 2                          44
COUNTRYWIDE INS CO                      1              322               177                    385                     104                     9               10
ELECTRIC INS CO                         7              679               117                    741                     117                    19               31
ERIE INS CO                            1,7             503               165                    591                     118                    17               16
ESURANCE INS CO                        1,7            1,468              124                  1,748                       84                   50               78
EVEREADY INS CO                                       1,122              112                    676                     286                    29               22
GEICO GENERAL INS CO                   1,7             463                 57                   627                       73                   10               25
GEICO IND CO                           1,7             715                 64                   726                     125                    33               33
GOVERNMENT EMPLOYEES INS CO            1,7             463                 57                   627                       73                   10               25
GREAT NORTHERN INS CO                   2              642                 92                   604                     149 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              568                 56                   630                       84                    6               12
LIBERTY MUT FIRE INS CO               1,2,7            641                 95                   934                     132 See Note 2                          37
MERCURY CASUALTY CO                    1,7             550                 92                   564                     118                    24               13
METROPOLITAN CAS INS CO                1,7             983               114                    980                     102                    37               27
METROPOLITAN GRP PROP & CAS INS CO     1,7             808               196                    850                       52                   36               16
NATIONWIDE INS CO OF AMER              1,7             790                 98                   880                     151                    23               29
NEW SOUTH INS CO                        1             1,101              158                  1,096                     219                    37               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7             650                 86                   651                     179                    29               21
PEERLESS INS CO                         1              640               115                    597                       82                   20               10
PROGRESSIVE ADVANCED INS CO            1,7             899               113                    970                     226                    61               32
PROGRESSIVE CASUALTY INS CO            1,7             952               157                  1,040                     276                    68               35
SENTINEL INS CO                       1,3,7           1,330              147                  1,381                       39 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           1,032              145                  1,075                     230 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            886               138                    921                     196 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,051              111                  1,066                     266                    15               80
UNITED SERVICES AUTO ASSOC            1,5,7            471                 53                   390                       92                   12               12
USAA CASUALTY INS CO                  1,5,7            348               115                    506                       76                    9                7
UTICA NATL INS CO OF TEXAS              1              654                 74                   725                     140                    58               25
                                                                            TERRITORY 12 - SYRACUSE
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                     831               285                  1,477                     190                    35               50
ADIRONDACK INS EXCH                     1              420                 34                   210                       56                    8                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1              760                 90                   368                     144                    22               12
ALLSTATE PROP & CAS INS CO             1,7             345                 88                   302                       65                    4                9
AMICA MUT INS CO                       1,7             334                 53                   342                       71                    7               13
CHUBB IND CO                            2              706               164                    782                     162 See Note 2                          44
COUNTRYWIDE INS CO                      1              352               177                    424                     110                     9               10
ELECTRIC INS CO                         7              428               111                    447                       82                   12               20
ERIE INS CO                            1,7             328               105                    379                     100                    10               16
ESURANCE INS CO                        1,7             972                 96                   818                       24                   24               66
EVEREADY INS CO                                       1,069              112                    557                     276                    28               22
GEICO GENERAL INS CO                   1,7             193                 24                   248                       30                    4               25
GEICO IND CO                           1,7             484                 56                   468                       94                   22               33
GOVERNMENT EMPLOYEES INS CO            1,7             193                 24                   248                       30                    4               25
GREAT NORTHERN INS CO                   2              506                 88                   437                     109 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              356                 38                   392                       60                    4               12
LIBERTY MUT FIRE INS CO               1,2,7            513                 91                   721                     105 See Note 2                          37
MERCURY CASUALTY CO                    1,7             360                 72                   366                       80                   14               13
METROPOLITAN CAS INS CO                1,7             522                 69                   485                       61                   19               12
METROPOLITAN GRP PROP & CAS INS CO     1,7             526               140                    542                       38                   22                8
NATIONWIDE INS CO OF AMER              1,7             410                 82                   401                       82                   10               29
NEW SOUTH INS CO                        1              565               107                    508                     115                    16               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             525                 74                   409                     134                    22               21
PEERLESS INS CO                         1              377               111                    331                       64                   10               10
PROGRESSIVE ADVANCED INS CO            1,7             318                 48                   259                       68                   14               32
PROGRESSIVE CASUALTY INS CO            1,7             308                 90                   314                       78                   16               35
SENTINEL INS CO                       1,3,7            611                 85                   451                       34 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            566                 92                   583                     139 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            486                 88                   500                     119 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            362                 69                   264                       87                    2               26
UNITED SERVICES AUTO ASSOC            1,5,7            382                 50                   313                       76                   10               12
USAA CASUALTY INS CO                  1,5,7            288               106                    404                       64                    7                7
UTICA NATL INS CO OF TEXAS              1              301                 72                   299                       74                    8               25
                                                                            TERRITORY 12 - SYRACUSE
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                     831               285                  1,477                     190                    35               50
ADIRONDACK INS EXCH                     1              422                 30                   222                       56                   10                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1              712                 74                   374                     142                    22               12
ALLSTATE PROP & CAS INS CO             1,7             345                 88                   302                       65                    4                9
AMICA MUT INS CO                       1,7             334                 48                   342                       70                    7               13
CHUBB IND CO                            2              706               164                    782                     162 See Note 2                          44
COUNTRYWIDE INS CO                      1              352               177                    424                     110                     9               10
ELECTRIC INS CO                         7              440               102                    459                       83                   12               19
ERIE INS CO                            1,7             328               105                    379                     100                    10               16
ESURANCE INS CO                        1,7             924                 88                   818                       26                   24               56
EVEREADY INS CO                                       1,069              112                    557                     276                    28               22
GEICO GENERAL INS CO                   1,7             193                 24                   248                       30                    4               25
GEICO IND CO                           1,7             461                 56                   445                       90                   21               33
GOVERNMENT EMPLOYEES INS CO            1,7             193                 24                   248                       30                    4               25
GREAT NORTHERN INS CO                   2              506                 88                   437                     109 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              356                 38                   392                       60                    4               12
LIBERTY MUT FIRE INS CO               1,2,7            513                 91                   721                     105 See Note 2                          37
MERCURY CASUALTY CO                    1,7             366                 68                   338                       78                   12               13
METROPOLITAN CAS INS CO                1,7             522                 69                   485                       61                   19               12
METROPOLITAN GRP PROP & CAS INS CO     1,7             526               140                    542                       38                   22                8
NATIONWIDE INS CO OF AMER              1,7             424                 77                   401                       82                   10               29
NEW SOUTH INS CO                        1              542                 97                   495                     110                    15               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             525                 74                   409                     134                    22               21
PEERLESS INS CO                         1              377               102                    331                       64                   10               10
PROGRESSIVE ADVANCED INS CO            1,7             331                 49                   284                       74                   16               32
PROGRESSIVE CASUALTY INS CO            1,7             325                 91                   340                       86                   17               35
SENTINEL INS CO                       1,3,7            605                 76                   466                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            566                 92                   583                     139 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            486                 88                   500                     119 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            374                 65                   269                       88                    3               29
UNITED SERVICES AUTO ASSOC            1,5,7            382                 50                   313                       76                   10               12
USAA CASUALTY INS CO                  1,5,7            288               106                    404                       64                    7                7
UTICA NATL INS CO OF TEXAS              1              301                 72                   299                       74                    8               25
                                                                          TERRITORY 12 - SYRACUSE
                                                                      (See Appendix III for a detailed description of the Territory)

                                                                      REPRESENTATIVE ANNUAL PREMIUMS
                                                                           RETIRED MARRIED MALE, AGE 69
                                                               REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                              $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                 AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                   COMPRE-                                       BODILY

                                                FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                 COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                               $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES     DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                    751              285                  1,403                     177                    31               50
ADIRONDACK INS EXCH                     1             452                28                   214                       62                   10                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1             812                56                   346                     156                    24               14
ALLSTATE PROP & CAS INS CO             1,7            369                66                   270                       71                    2                9
AMICA MUT INS CO                       1,7            314                38                   312                       65                    6               13
CHUBB IND CO                            2             600              130                    627                     132 See Note 2                          44
COUNTRYWIDE INS CO                      1             322              177                    385                     104                     9               10
ELECTRIC INS CO                         7             371                71                   380                       74                    9               16
ERIE INS CO                            1,7            335              107                    388                     101                    12               16
ESURANCE INS CO                        1,7            960                78                   890                       44                   30               48
EVEREADY INS CO                                       940              112                    529                     251                    25               22
GEICO GENERAL INS CO                   1,7            170                20                   213                       27                    3               25
GEICO IND CO                           1,7            484                56                   468                       94                   22               33
GOVERNMENT EMPLOYEES INS CO            1,7            170                20                   213                       27                    3               25
GREAT NORTHERN INS CO                   2             444                74                   360                       92 See Note 2                         44
IDS PROPERTY CASUALTY INS CO            7             356                38                   392                       60                    4               12
LIBERTY MUT FIRE INS CO               1,2,7           420                76                   567                       87 See Note 2                         37
MERCURY CASUALTY CO                    1,7            408                58                   350                       94                   16               13
METROPOLITAN CAS INS CO                1,7            445                67                   397                       49                   13               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            416              106                    418                       30                   16                6
NATIONWIDE INS CO OF AMER              1,7            428                70                   424                       85                   10               29
NEW SOUTH INS CO                        1             637                81                   526                     138                    23               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7            496                56                   406                     133                    22               21
PEERLESS INS CO                         1             381                82                   337                       65                   11               10
PROGRESSIVE ADVANCED INS CO            1,7            327                36                   271                       72                   16               32
PROGRESSIVE CASUALTY INS CO            1,7            319                78                   327                       83                   18               35
SENTINEL INS CO                       1,3,7           628                47                   505                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           498                77                   512                     126 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           428                73                   439                     108 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           486                54                   321                     107                     5               42
UNITED SERVICES AUTO ASSOC            1,5,7           309                38                   248                       62                    8               12
USAA CASUALTY INS CO                  1,5,7           237                73                   319                       53                    6                7
UTICA NATL INS CO OF TEXAS              1             266                44                   256                       70                    6               25
                                                                          TERRITORY 12 - SYRACUSE
                                                                      (See Appendix III for a detailed description of the Territory)

                                                                      REPRESENTATIVE ANNUAL PREMIUMS
                                                                        RETIRED MARRIED FEMALE, AGE 69
                                                               REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                              $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                 AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                 TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                   COMPRE-                                       BODILY

                                                FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                 COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                               $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES     DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                    751              285                  1,403                     177                    31               50
ADIRONDACK INS EXCH                     1             470                18                   218                       70                   12                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1             686                32                   360                     148                    20               12
ALLSTATE PROP & CAS INS CO             1,7            369                66                   270                       71                    2                9
AMICA MUT INS CO                       1,7            314                38                   312                       65                    6               13
CHUBB IND CO                            2             600              130                    627                     132 See Note 2                          44
COUNTRYWIDE INS CO                      1             322              177                    385                     104                     9               10
ELECTRIC INS CO                         7             371                71                   380                       74                    9               16
ERIE INS CO                            1,7            335              107                    388                     101                    12               16
ESURANCE INS CO                        1,7            896                44                   778                       42                   28               38
EVEREADY INS CO                                       940              112                    529                     251                    25               22
GEICO GENERAL INS CO                   1,7            170                20                   213                       27                    3               25
GEICO IND CO                           1,7            484                56                   468                       94                   22               33
GOVERNMENT EMPLOYEES INS CO            1,7            170                20                   213                       27                    3               25
GREAT NORTHERN INS CO                   2             444                74                   360                       92 See Note 2                         44
IDS PROPERTY CASUALTY INS CO            7             356                38                   392                       60                    4               12
LIBERTY MUT FIRE INS CO               1,2,7           420                76                   567                       87 See Note 2                         37
MERCURY CASUALTY CO                    1,7            376                48                   282                       92                   16               13
METROPOLITAN CAS INS CO                1,7            445                67                   397                       49                   13               12
METROPOLITAN GRP PROP & CAS INS CO     1,7            416              106                    418                       30                   16                6
NATIONWIDE INS CO OF AMER              1,7            387                60                   378                       79                    9               29
NEW SOUTH INS CO                        1             565                65                   461                     128                    20               12
NEW YORK CENTRAL MUT FIRE INS CO       1,7            496                56                   406                     133                    22               21
PEERLESS INS CO                         1             381                82                   337                       65                   11               10
PROGRESSIVE ADVANCED INS CO            1,7            310                31                   238                       68                   15               32
PROGRESSIVE CASUALTY INS CO            1,7            300                72                   293                       78                   17               35
SENTINEL INS CO                       1,3,7           595                38                   512                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           498                77                   512                     126 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           428                73                   439                     108 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           489                47                   348                     112                     5               38
UNITED SERVICES AUTO ASSOC            1,5,7           309                38                   248                       62                    8               12
USAA CASUALTY INS CO                  1,5,7           237                73                   319                       53                    6                7
UTICA NATL INS CO OF TEXAS              1             266                44                   256                       70                    6               25
                                                                                TERRITORY 13 - ALBANY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                  UNMARRIED MALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                    1,449              233                  2,541                     301                    53               50
ADIRONDACK INS EXCH                     1             1,290              110                  1,588                     228                    46               16
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,662              162                  1,334                     298                    50               12
ALLSTATE PROP & CAS INS CO             1,7             495               170                    950                       91                    4               12
AMICA MUT INS CO                       1,7             926               110                  1,242                     231                    24               13
CHUBB IND CO                            2             1,254              237                  1,136                     317 See Note 2                          44
COUNTRYWIDE INS CO                      1              746               239                  1,116                     217                    19               10
ELECTRIC INS CO                         7             1,129              242                  1,421                     191                    30               51
ERIE INS CO                            1,7             953               261                  1,292                     171                    39               16
ESURANCE INS CO                        1,7            1,934              204                  3,028                     128                    80               72
EVEREADY INS CO                                       1,380              161                  1,190                     353                    40               22
GEICO GENERAL INS CO                   1,7             604                 71                   801                     104                    13               25
GEICO IND CO                           1,7             927                 83                   914                     158                    46               33
GOVERNMENT EMPLOYEES INS CO            1,7             604                 71                   801                     104                    13               25
GREAT NORTHERN INS CO                   2              728               103                    583                     173 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7             1,008              114                  1,154                     140                    12               12
LIBERTY MUT FIRE INS CO               1,2,7           1,084              154                  1,634                     225 See Note 2                          37
MERCURY CASUALTY CO                    1,7             742               118                    912                     156                    36               13
METROPOLITAN CAS INS CO                1,7            1,391              137                  1,382                     154                    58               35
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,602              212                  1,374                     130                    62               22
NATIONWIDE INS CO OF AMER              1,7            1,009              107                  1,106                     179                    36               29
NEW SOUTH INS CO                        1             1,479              233                  1,887                     287                    66               26
NEW YORK CENTRAL MUT FIRE INS CO       1,7             746               113                    823                     196                    35               22
PEERLESS INS CO                         1             1,128              231                    997                     120                    33               10
PROGRESSIVE ADVANCED INS CO            1,7            1,019              166                  1,273                     288                    62               32
PROGRESSIVE CASUALTY INS CO            1,7            1,097              213                  1,350                     359                    70               35
SENTINEL INS CO                       1,3,7           1,441              274                  1,847                       41 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7           1,200              185                  1,298                     283 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7           1,031              176                  1,113                     241 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,074              169                  1,229                     299                    16               66
UNITED SERVICES AUTO ASSOC            1,5,7            812                 93                   698                     173                    23               12
USAA CASUALTY INS CO                  1,5,7            585               222                    912                     133                    17                7
UTICA NATL INS CO OF TEXAS              1              916               107                    783                     211                    31               25
                                                                                TERRITORY 13 - ALBANY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                                UNMARRIED FEMALE, AGE 20
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                     927               233                  1,736                     214                    34               50
ADIRONDACK INS EXCH                     1             1,220                80                 1,022                     206                    40               18
ALLMERICA FINANCIAL ALLIANCE INS CO     1             1,324              106                    856                     242                    36               10
ALLSTATE PROP & CAS INS CO             1,7             449               128                    696                       81                    4               12
AMICA MUT INS CO                       1,7             674                 70                   881                     170                    17               13
CHUBB IND CO                            2             1,007              203                    885                     249 See Note 2                          44
COUNTRYWIDE INS CO                      1              365               239                    496                     118                     9               10
ELECTRIC INS CO                         7              728               139                    894                     131                    18               31
ERIE INS CO                            1,7             455               168                    612                     116                    19               16
ESURANCE INS CO                        1,7            1,612              132                  1,910                       92                   58               78
EVEREADY INS CO                                        912               161                    802                     254                    25               22
GEICO GENERAL INS CO                   1,7             501                 65                   617                       84                   10               25
GEICO IND CO                           1,7             777                 73                   708                     137                    38               33
GOVERNMENT EMPLOYEES INS CO            1,7             501                 65                   617                       84                   10               25
GREAT NORTHERN INS CO                   2              610                 92                   467                     139 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              516                 58                   584                       80                    6               12
LIBERTY MUT FIRE INS CO               1,2,7            659                 93                   944                     137 See Note 2                          37
MERCURY CASUALTY CO                    1,7             620                 92                   602                     122                    26               13
METROPOLITAN CAS INS CO                1,7            1,093              106                  1,066                     123                    45               27
METROPOLITAN GRP PROP & CAS INS CO     1,7            1,058              170                    896                       90                   40               14
NATIONWIDE INS CO OF AMER              1,7             834                 82                   848                     143                    27               29
NEW SOUTH INS CO                        1             1,308              171                  1,252                     242                    52               32
NEW YORK CENTRAL MUT FIRE INS CO       1,7             645               102                    696                     171                    31               22
PEERLESS INS CO                         1              719               139                    619                       90                   19               10
PROGRESSIVE ADVANCED INS CO            1,7             913               123                  1,021                     240                    57               32
PROGRESSIVE CASUALTY INS CO            1,7             970               168                  1,092                     294                    63               35
SENTINEL INS CO                       1,3,7           1,366              206                  1,537                       39 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            973               134                  1,051                     235 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            836               127                    901                     201 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7           1,039              131                  1,174                     278                    14               74
UNITED SERVICES AUTO ASSOC            1,5,7            481                 55                   404                     103                    13               12
USAA CASUALTY INS CO                  1,5,7            357               120                    524                       83                   10                7
UTICA NATL INS CO OF TEXAS              1              735                 65                   616                     174                    23               25
                                                                                TERRITORY 13 - ALBANY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                              ADULT MARRIED MALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                     823               233                  1,378                     196                    30               50
ADIRONDACK INS EXCH                     1              410                 28                   232                       54                   10                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1              770                 78                   404                     166                    18               12
ALLSTATE PROP & CAS INS CO             1,7             287                 82                   284                       63                    2                9
AMICA MUT INS CO                       1,7             360                 75                   430                       75                    9               13
CHUBB IND CO                            2              766               189                    640                     181 See Note 2                          44
COUNTRYWIDE INS CO                      1              397               239                    546                     128                    10               10
ELECTRIC INS CO                         7              458               132                    538                       92                   11               18
ERIE INS CO                            1,7             298               108                    392                     100                    12               16
ESURANCE INS CO                        1,7            1,058              102                    892                       28                   26               66
EVEREADY INS CO                                        934               161                    660                     259                    27               22
GEICO GENERAL INS CO                   1,7             208                 28                   244                       35                    4               25
GEICO IND CO                           1,7             526                 64                   457                     101                    26               33
GOVERNMENT EMPLOYEES INS CO            1,7             208                 28                   244                       35                    4               25
GREAT NORTHERN INS CO                   2              493                 88                   353                     105 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              326                 40                   364                       56                    4               12
LIBERTY MUT FIRE INS CO               1,2,7            527                 89                   729                     110 See Note 2                          37
MERCURY CASUALTY CO                    1,7             404                 72                   390                       80                   14               13
METROPOLITAN CAS INS CO                1,7             579                 67                   525                       70                   22               12
METROPOLITAN GRP PROP & CAS INS CO     1,7             684               124                    568                       66                   24               10
NATIONWIDE INS CO OF AMER              1,7             430                 70                   388                       78                   11               29
NEW SOUTH INS CO                        1              657               115                    577                     125                    23               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             522                 88                   437                     130                    22               22
PEERLESS INS CO                         1              418               135                    345                       70                   11               10
PROGRESSIVE ADVANCED INS CO            1,7             324                 53                   272                       72                   13               32
PROGRESSIVE CASUALTY INS CO            1,7             316                 95                   328                       82                   16               35
SENTINEL INS CO                       1,3,7            622               119                    502                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            533                 85                   570                     142 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            459                 81                   489                     121 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            355                 81                   290                       91                    2               24
UNITED SERVICES AUTO ASSOC            1,5,7            392                 52                   324                       83                   10               12
USAA CASUALTY INS CO                  1,5,7            295               111                    418                       69                    7                7
UTICA NATL INS CO OF TEXAS              1              335                 63                   256                       87                    8               25
                                                                                TERRITORY 13 - ALBANY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                            ADULT MARRIED FEMALE, AGE 35
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                   & SUM                 DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                 $300,000                $50,000         $100,000

ASSIGNED RISK PLAN                                     823               233                  1,378                     196                    30               50
ADIRONDACK INS EXCH                     1              416                 24                   246                       54                   10                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1              724                 66                   410                     160                    16               12
ALLSTATE PROP & CAS INS CO             1,7             287                 82                   284                       63                    2                9
AMICA MUT INS CO                       1,7             360                 67                   430                       75                    9               13
CHUBB IND CO                            2              766               189                    640                     181 See Note 2                          44
COUNTRYWIDE INS CO                      1              397               239                    546                     128                    10               10
ELECTRIC INS CO                         7              469               120                    553                       93                   12               18
ERIE INS CO                            1,7             298               108                    392                     100                    12               16
ESURANCE INS CO                        1,7            1,006                94                   892                       26                   28               56
EVEREADY INS CO                                        934               161                    660                     259                    27               22
GEICO GENERAL INS CO                   1,7             208                 28                   244                       35                    4               25
GEICO IND CO                           1,7             501                 64                   434                       97                   24               33
GOVERNMENT EMPLOYEES INS CO            1,7             208                 28                   244                       35                    4               25
GREAT NORTHERN INS CO                   2              493                 88                   353                     105 See Note 2                          44
IDS PROPERTY CASUALTY INS CO            7              326                 40                   364                       56                    4               12
LIBERTY MUT FIRE INS CO               1,2,7            527                 89                   729                     110 See Note 2                          37
MERCURY CASUALTY CO                    1,7             410                 68                   358                       80                   14               13
METROPOLITAN CAS INS CO                1,7             579                 67                   525                       70                   22               12
METROPOLITAN GRP PROP & CAS INS CO     1,7             684               124                    568                       66                   24               10
NATIONWIDE INS CO OF AMER              1,7             444                 66                   388                       78                   11               29
NEW SOUTH INS CO                        1              628               104                    562                     120                    21               17
NEW YORK CENTRAL MUT FIRE INS CO       1,7             522                 88                   437                     130                    22               22
PEERLESS INS CO                         1              418               123                    345                       70                   11               10
PROGRESSIVE ADVANCED INS CO            1,7             339                 54                   299                       78                   15               32
PROGRESSIVE CASUALTY INS CO            1,7             334                 96                   355                       90                   16               35
SENTINEL INS CO                       1,3,7            616               106                    519                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            533                 85                   570                     142 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            459                 81                   489                     121 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            367                 77                   296                       91                    3               26
UNITED SERVICES AUTO ASSOC            1,5,7            392                 52                   324                       83                   10               12
USAA CASUALTY INS CO                  1,5,7            295               111                    418                       69                    7                7
UTICA NATL INS CO OF TEXAS              1              335                 63                   256                       87                    8               25
                                                                                TERRITORY 13 - ALBANY
                                                                        (See Appendix III for a detailed description of the Territory)

                                                                        REPRESENTATIVE ANNUAL PREMIUMS
                                                                             RETIRED MARRIED MALE, AGE 69
                                                                 REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                   AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                               PREMIUM                   TO ADD                                                  TO INCREASE

                  INSURANCE            SEE                     COMPRE-                                       BODILY

                                                FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY             NOTES                   COVERAGE             COVERAGE                  & SUM                  DAMAGE          NO-FAULT

                                              REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                 $200                  $200               TO $100,000/                   TO            TO

                                              COVERAGES       DEDUCTIBLE          DEDUCTIBLE                $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                     743               233                  1,309                     183                    27               50
ADIRONDACK INS EXCH                     1              444                 20                   238                       60                   12                6
ALLMERICA FINANCIAL ALLIANCE INS CO     1              838                 52                   380                     180                    22               12
ALLSTATE PROP & CAS INS CO             1,7             307                 60                   254                       69                    2                9
AMICA MUT INS CO                       1,7             335                 50                   393                       72                    7               13
CHUBB IND CO                            2              646               149                    518                     147 See Note 2                          44
COUNTRYWIDE INS CO                      1              365               239                    496                     118                     9               10
ELECTRIC INS CO                         7              395                 85                   455                       82                   10               15
ERIE INS CO                            1,7             306               109                    402                       99                   12               16
ESURANCE INS CO                        1,7            1,044                82                   972                       46                   34               48
EVEREADY INS CO                                        824               161                    627                     234                    22               22
GEICO GENERAL INS CO                   1,7             183                 22                   210                       31                    3               25
GEICO IND CO                           1,7             623                 64                   457                     101                    26               33
GOVERNMENT EMPLOYEES INS CO            1,7             183                 22                   210                       31                    3               25
GREAT NORTHERN INS CO                   2              434                 74                   296                       88 See Note 2                         44
IDS PROPERTY CASUALTY INS CO            7              326                 38                   364                       56                    4               12
LIBERTY MUT FIRE INS CO               1,2,7            430                 75                   574                       91 See Note 2                         37
MERCURY CASUALTY CO                    1,7             456                 58                   372                       96                   20               13
METROPOLITAN CAS INS CO                1,7             489                 61                   432                       63                   16               12
METROPOLITAN GRP PROP & CAS INS CO     1,7             534                 96                   438                       54                   20                8
NATIONWIDE INS CO OF AMER              1,7             448                 60                   410                       82                   12               29
NEW SOUTH INS CO                        1              760                 85                   597                     152                    31               14
NEW YORK CENTRAL MUT FIRE INS CO       1,7             493                 67                   433                     129                    22               22
PEERLESS INS CO                         1              423                 98                   349                       72                   11               10
PROGRESSIVE ADVANCED INS CO            1,7             333                 40                   285                       75                   15               32
PROGRESSIVE CASUALTY INS CO            1,7             326                 81                   341                       89                   17               35
SENTINEL INS CO                       1,3,7            641                 65                   562                       33 See Note 3                         92
STATE FARM FIRE AND CAS CO            1,4,7            470                 71                   500                     129 See Note 4                          28
STATE FARM MUT AUTO INS CO            1,4,7            405                 67                   429                     109 See Note 4                          23
TRAVELERS HOME & MARINE INS CO        1,3,7            477                 64                   353                     111                     5               39
UNITED SERVICES AUTO ASSOC            1,5,7            315                 39                   257                       68                    8               12
USAA CASUALTY INS CO