1. Group Affiliated Program and Marketing Agreement

2. GAP Program Features Each participating entity receives its own policy. Each participating entity is billed individually by GuideOne. GuideOne allocates, bills and collects premiums directly from member participants. The Headquarters may elect to be notified of the lapse of coverage of any participating entity so that it can intervene and keep the insurance coverage in place.

3. GAP Program Features A property coverage enhancement is included on each participating entity’s policy providing an additional 25 percent of their total building and contents amount of insurance, up to $1,000,000 maximum, to use in case of an insured property loss. (Agreed Amount Endorsement required) Although the Group Program is capable of allowing participation entities flexibility in determining their own coverages and limits, the Headquarters can establish minimum coverage requirements for their group.

4. GAP Program Requirements GuideOne must insure the headquarters office of a group of churches/houses of worship that are of like faith and practice and are affiliated as a denomination, association or fellowship. All GuideOne policies of all participants in the Group Affiliated Program must carry the same policy effective and expiration date. A potential must exist for at least two-thirds penetration into the group.

5. Group Affiliated Marketing Agreement Group agrees to recommend to its membership that they obtain property and casualty insurance from GuideOne. Participation in the program is voluntary. Group will communicate with their membership at least quarterly via mailings, e-mail or verbally at group meetings with a copy directed to GuideOne.

6. Group Affiliated Marketing Agreement Group will annually furnish a complete list of all current members. Group will grant permission for the member organizations to be contacted by GuideOne or a licensed GuideOne GAP agent. GuideOne will keep the contents for the membership list confidential.

7. Group Affiliated Marketing Agreement Group will invite GuideOne and/or a GuideOne agent to an annual meeting of its members and enable the presentation of a risk management topic to be determined jointly by Group and GuideOne. In consideration for Group’s sponsorship of this Group Affiliated Marketing Program, GuideOne agrees to pay a Loss Control Bonus to Group’s administrative office for use in its ministry.

8. GAMA Bonus Qualifications/Requirements GuideOne must insure a minimum of 25 percent of the membership in the Group Affiliated Program or attain a group premium of $250,000 (excluding Umbrella Liability premium) before the Loss Control Bonus is triggered. Additionally, a minimum of 10 churches with an annual Group premium of $50,000 is required.

9. GAMA Bonus Qualifications/Requirements Eligibility begins on the first anniversary date of the Group Affiliated Program after the participations threshold has been achieved and this agreement has been signed. The threshold participation must be maintained for eligibility. Participation is defined as maintaining a Commercial Package Policy with GuideOne.

10. GAMA Bonus Qualifications/Requirements Premiums and losses from Commercial Package Policies, Workers’ Compensation Policies, Business Automobile Policies or other miscellaneous commercial polices will be used in the calculation of the Loss Control Bonus. Premiums and losses from Umbrella Liability Polices will not be included.

11. GAMA Bonus Qualifications/Requirements The Loss Control Bonus will be calculated using the Group’s three year premium and loss numbers from the latest three years after attaining the required threshold participation. The Loss Control Bonus can be triggered earlier if 50% participation of the membership or group premium of $500,000 (excluding Umbrella Liability premium) is achieved in the first or second year and two year premium and loss numbers will be used to calculate the first bonus.

12. GAMA Bonus Qualifications/Requirements The current year Loss Control Bonus will be capped at a maximum 7 percent bonus if up to 35 percent participation is achieved, a 10 percent maximum if up to 75 percent participation is achieved and a 15 percent maximum for participation exceeding 75 percent.

13. GAMA Bonus Calculation/Formula A three year Group loss ratio shall be calculated by dividing the latest total three year ultimate losses as determined by GuideOne, which will include provisions for losses not yet reported as well as development on known losses, by the three year earned premium of all members in the Group.

14. GAMA Bonus Calculation/Formula The bonus percentage is based on the following Group loss ratio and penetration levels:

15. GAMA Bonus Calculation/Formula The bonus percentage is applied to the latest year’s earned premium to determine the bonus payout. No bonus will be paid during a 12 month period following a year that GuideOne experiences a reduction in policyholder surplus.

16. Questions?