OREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD

CREDITS AND OPTIONS

August 2016 Oregon CO-1

ACCIDENT FORGIVENESS

1. For a policy that has had no at fault accidents in the prior three years, any surcharge for the first at fault accident caused by rated drivers 18 years or older will be waived. If any rated driver on the policy has had a major violation or speed cite over 20 miles per hour in the prior three years, the at fault accident will not be waived. If Oregon Mutual Insurance has paid for any at fault accident on the policy in the last three years, the at fault accident will not be waived.

2. Subsequent at fault accidents in the next three years will result in a surcharge, as well as all at fault accidents for drivers less than 18 years of age. Accidents are not waived for any at fault accident for non-rated drivers.

3. In order for the at fault accident to continue to be waived, the accident forgiveness endorsement must be continued until the policy term expiration where the accident is three years old or more.

ADDITIONAL EQUIPMENT AND CUSTOMIZATION COVERAGE

Total Cost Additional Equipment and Customization

Six Month Premium

$ 1 500 $ 15.00

501 1,000 30.00

1,001 1,500 45.00

1,501 2,000 60.00

2,001 2,500 75.00

2,501 3,000 90.00

3,001 3,500 105.00

3,501 4,000 120.00

4,001 4,500 135.00

4,501 5,000 150.00

5,001 and Over Refer to Company

Permanently installed equipment and customization that is not factory installed or dealer installed prior to a new car purchase may be scheduled individually under this endorsement. The rate is based on the total value of the listed items. This coverage is available for the following:

1. Vehicle equipment including, but not limited to:

a. Custom wheels and tires

b. Custom body/interior work, including custom T tops

c. Special carpeting, insulation, paneling, cooking, sleeping, and bathroom facilities, or height extending roofs

d. Custom engine work and parts

e. Custom paint and trim work

f. Any equipment which modifies the vehicle's appearance or performance

2. Sound reproduction equipment and accessories valued in excess of $500 including, but not limited to:

a. Radios and stereos

b. Speakers and amplifiers

c. Compact disk players

d. Digital/audio format players

e. Satellite audio receivers

OREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD

CREDITS AND OPTIONS

CO-2 Oregon March 2017

ADDITIONAL EQUIPMENT AND CUSTOMIZATION COVERAGE (Cont.)

3. Electronic equipment that receives and/or transmits audio, visual, and data signals and is not designed solely for the reproduction of sound including, but not limited to:

a. Citizens band radios

b. Telephones

c. Two-way mobile radios

d. Television monitor receivers

e. Scanning monitor receivers

f. Audio cassette recorders

g. Video cassette recorders

h. Digital video disk (DVD) players

i. Satellite television receivers

Accessories used with electronic equipment that receives or transmits audio, visual, or data signals as listed above. Excluded from coverage are radar detectors and other devices designed to evade traffic laws.

Additional Equipment and Customization Coverage is only available on those vehicles for which Comprehensive and Collision coverage are provided. No additional deductible applies.

ADDITIONAL INSURED

An additional insured may be endorsed onto the policy at no additional charge, provided the company is advised as respect to the additional insured's interest in the vehicle, and driving information (drivers license number, date of birth, accident and citation record is required if the additional insured will be operating the vehicle).

ADVANCE QUOTING CREDIT

Credit only applies if the prior carrier is preferred or standard and there has been no lapse in coverage. This credit will automatically be applied to new business policies based on the number of days in advance of the policy effective date that the coverage was quoted. If applied, the new policy will continue to receive a discount factor in accordance with the schedule found in the rating factor pages.

If prior carrier is Oregon Mutual or Western Protectors this credit does not apply.

AFFINITY CREDIT

A 5% affinity discount applies to BI, PD, PIP, UMBI, UMPD, Comp, and Collision for specific company approved groups such as credit unions. The following are currently-approved as affinity groups:

1. First Tech Credit Union members

2. Selco Credit Union members

3. MAPS Credit Union members

4. First Community Credit Union members

5. Idaho Central Credit Union members

6. Oregon State Credit Union members

7. TwinStar Credit Union members

The discount applies to all vehicle types except non-owned auto.

OREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD

CREDITS AND OPTIONS

March 2016 Oregon CO-3

ANTI-THEFT DEVICES CREDIT

This credit applies to Comprehensive coverage only. To qualify, the vehicle must be equipped with one or more of the following:

1. Alarm only devices which sound an audible alarm that can be heard at a distance of at least 300 feet for a minimum of three minutes.

2. Active disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as active if a separate manual step is required to engage the device.

3. Passive disabling devices which disable the vehicle by making the fuel, ignition or starting system inoperative. A disabling device is categorized as passive if a separate manual step is not required to engage the drive.

AUTOMOBILE GLASS REPAIR WAIVER

When there is damage to glass caused by comprehensive covered perils, and the glass can be repaired rather than replaced, the comprehensive deductible will be waived.

This coverage will only be offered on vehicles which have comprehensive coverage.

CUSTOM SHIELD PLUS

Custom Shield Plus provides a package of policy level coverage, including one deductible for auto and home; key replacement; worldwide comp, collision, and loss of use coverage for rental cars (excluding Mexico); pet medical; personal property; and Laptop/smartphone/iPad collision damage.

1. If selected, the charge applies to all PPVs, MH, Antique, Restricted and Regular Use Classic

2. For each eligible vehicle charge 5% of the total premium for major policy coverages

3. N/A for Non-owned auto, comp only and all trailers

DEFENSIVE DRIVER DISCOUNT CREDIT

A 5% credit will apply to all major coverages for principal drivers age 55 or older who have successfully completed a Defensive Driver accident prevention course meeting criteria of the department of licensing. The discount is disallowed if:

1. There are persons under 25 years of age who regularly operate the vehicle;

2. The vehicle is classed or utilized for business; or

3. If the person takes the approved course as a punishment, specified by a court or other government entity, for a moving violation.

As a condition of maintaining the discount after initial processing or certification, the insured:

1. Shall not be involved in an accident for which the insured is at fault; or

2. Be convicted of or plead guilty or nolo contendere of any moving traffic violation.

The premium reduction period is limited to three years for drivers less than 70 years of age and two years for those 70 years or older at the time the course was completed. The discount continuation is based upon recertification and the above criteria or conditions.

If the person qualifying for the premium reduction is the principal operator of two or more vehicles, the discount applies only once per eligible driver in driver averaging.

OREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD

CREDITS AND OPTIONS

CO-4 Oregon March 2016

DIMINISHING DEDUCTIBLE

Optional policy level endorsement.

The deductible will be reduced by $100 annually (up to $500 total) as long as there have been no at-fault accidents or collision losses within the past year.

Selected/purchased at policy level, then applies to all vehicles with collision coverage (though only charge on PPV, Regular Use Classic, and MH).

EMERGENCY ASSISTANCE PACKAGE EAP

This coverage is available for private passenger vehicles and motorhomes and provides:

1. Transportation expenses/rental cost coverage

2. Emergency expenses

3. Personal property coverage

4. Lock coverage

5. Increased supplementary payments coverage

Other requirements:

1. Coverage can be selected by individual vehicle

2. Vehicles with EAP cannot have Transportation Expenses

3. If EAP is purchased Comprehensive, Collision, and Roadside Assistance must also be provided.

Emergency Assistance Package

Policy Term Premium

6 months $15.00

12 Months $30.00

ENHANCED WINDOW GLASS

1. Coverage is available by vehicle for private passenger vehicles, antique autos, classic autos, motorhomes, and trailers that have comprehensive and collision coverage.

2. It provides for the repair or replacement of damaged window glass without regard to the applicable deductible when comprehensive coverage applies to the loss.

3. The charge is a percentage of the comprehensive premium for the vehic