T H E A D V A N T A G E

B E T T E R C O V E R A G E B E T T E R S E R V I C E

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H I G H V A L U E H O M E O W N E R S I N S U R A N C E

• $50,000 sublimit for jewelry lost or stolen*, $1,500 Fallen Tree Coverage, $2,500 loss mitigation coverage ** • Guaranteed Replacement Cost in most states • Deductible waiver for losses greater than $50,000 if AOP deductible is less than $25,000 Equipment Breakdown, Ensuing Fungi, Earthquake endorsements • Pure Flood Solutions: NFIP primary flood policy with single claims response. Difference in Conditions, Difference in Limits and Excess Flood endorsements available to broaden coverage Condo/Co-op features Flexible Blanket Coverage for Additions & Alterations and Contents, $25,000 damage to property of others • Dwelling values up to $20Million ($30M Total Insured Value per location)

P R I V A T E F L E E T A U T O I N S U R A N C E

• Agreed Value Coverage; deductible waiver for total loss • Lease Gap Coverage; 1 st party Original Equipment Manufacturer’s (OEM) parts, $5,000 Extended Transportation Expenses with no daily limit • Up to $1 Million Liability and UM/UIM Limits available

P E R S O N A L E X C E S S L I A B I L I T Y C O V E R A G E

• Defense costs outside limits; $10,000 shadow defense coverage • EPLI optional coverage for up to 5 domestic staff ($250,000 limit) • Limits available from $1 to $25 Million; $1 Million optional UM/UIM • •

J E W E L R Y , A R T A N D C O L L E C T I O N S

• 150% Market Value Extension for Scheduled Items • Blanket coverage per item limit equals 25% of class limit ‘Newly Acquired’ items up to scheduled class limit for 90 days*** Up to $40 Million per Location

W A T E R C R A F T C O V E R A G E

• Agreed value hull coverage; vessels up to $3 Million in hull value • Liability for fuel spill, captain and crew and uninsured boater

R I S K M A N A G E M E N T S E R V I C E S

• PURE Member Advocate to focus on minimizing administrative hassles for members and to facilitate implementation of loss prevention recommendations and use of loss mitigation coverage • Proactive approach to risk control. Loss prevention services help to better protect home and property from a loss including: • • • • • • • • • • • • • Employee Background Checks Home Security Assessments, Safeguarding Property & Purchasing Safety and Security Devices Disaster and Emergency Preparation; Catastrophe Planning Fine Arts Valuations and Preservation Arborist Service Water Shut-off Valve Consulting Service Inspections to ensure adequate, not excessive valuations Wildfire Protection Services

C L A I M S S E R V I C E S

• Single point of contact Clear and frequent communication throughout the claims process between our team of professionals and the member Innovative and customized solutions When surveyed for feedback, 98% of claimants would recommend PURE to a friend or family member****

P O L I C Y A N D B I L L I N G S E R V I C E S

• Electronic delivery of documents and bills is quick, convenient and secure Single bill regardless of effective date, quarterly payments and no service fee. Third party billing available Flexible payment methods (ebill, online payment center, personal check, debit cards, EFT, automated payments). Credit cards accepted to pay total balance *Minimum 50% of coverage A contents or $1M condo/co-op limit is required ** Loss Mitigation applies to property losses greater than $10,000 *** Does not increase class limits. ****Based on respondents to PURE’s claim satisfaction survey in which 98% of survey responders said that they would recommend PURE to a friend or family member. Results as of 3/2012.

For promotional purposes, PURE refers to Privilege Underwriters Reciprocal Exchange, a Florida-domiciled reciprocal insurer and a member of the PURE Group of Insurance Companies. This material is descriptive only. The precise coverage offered is subject to the precise terms and conditions of the policies issued. The rights and responsibilities of members are subject to the Subscriber’s Agreement and Power of Attorney. Coverage may not be available in all jurisdictions.

T H E A D V A N T A G E

B E T T E R P R I C I N G

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T H E P U R E P R O M I S E ®

• Select the right members: –

Well built and protected home; High insurance scores; Generally clear loss history; or cause of loss fully mitigated; Good drivers; more cars than drivers; Takes steps to reduce risks; Purchases multiple lines

• Identify potential risks and establish the proper insurance values Implement risk management recommendations Respond to and resolve claims with the utmost professionalism Contribute to preventing future loss Add to library of knowledge and share information with members • •

T H E R I G H T P R I C E - P R I C E T O C O V E R C O S T S N O T T O P R O D U C E P R O F I T S

Jewelry rates are often a fraction of stock company high net worth specialists No legacy business to subsidize; better information and technology enables smarter risk selection and pricing – “green field" • •

S E L F I N S U R A N C E & L O S S P R E V E N T I O N A R E I N C E N T E D

Deductible Options up to $1 million with uncapped premium credits Hurricane and named storm deductibles flexibility • Premium Credit available for loss protection devices and wind mitigation

F L E X I B L E O F F E R I N G – P A Y F O R W H A T I S N E E D E D

• Other structures, contents, and loss of use can be changed or eliminated • Companion policy credits available

B E T T E R S T R U C T U R E

A L I G N M E N T W I T H P O L I C Y H O L D E R S ( M E M B E R S )

• Owned by and managed for the benefit of membership • Commitment to allocate future underwriting profits to Subscriber Savings Accounts (SSAs) • Subscribers Advisory Committee (SAC) is the voice of membership

H I G H N E T W O R T H E X P E R T I S E

• Leadership team has deep expertise and a history of success in the category • Sole focus on like minded high net worth individuals & families • • Represented by a select group of the finest independent agents with high net worth expertise; no wholesalers Committed to growing high net worth specialty category through investment in agency partners and industry leading initiatives

T R A N S P A R E N C Y W I T H M E M B E R S H I P

• Annual Report to Members provides a yearly snapshot of results • Subscribers Agreement outlines costs and responsibilities

C A P I T A L F L E X I B I L I T Y & C O N S E R V A T I V E I N V E S T M E N T S T R A T E G Y

• Member surplus contributions builds capital base • Pooled capital combines benefits of a policyholder-owned company with the flexibility of a stock company • Conservative, high quality investment portfolio that favors security over yield.

R E I N S U R A N C E S T R A T E G Y

• Preserves capital and manages risk by purchasing reinsurance from some of the largest, most highly rated, and respected reinsurers • Purchases coverage so one 100 year event will not expose more than 20% of prior year surplus For promotional purposes, PURE refers to Privilege Underwriters Reciprocal Exchange, a Florida-domiciled reciprocal insurer and a member of the PURE Group of Insurance Companies. This material is descriptive only. The precise coverage offered is subject to the precise terms and conditions of the policies issued. The rights and responsibilities of members are subject to the Subscriber’s Agreement and Power of Attorney. Coverage may not be available in all jurisdictions.