ABRAM INTERSTATE INSURANCE SERVICES, INC.2211 Plaza Drive, Suite 100

Rocklin, CA 95765

Phone: 916 780 7000 Fax: 916 780 7181

Fitness Center Product

We are in great shape to handle your Fitness Center Business! Our product targets fitness centers with up to $2,000,000 in annual sales per location. Eligible classes include aerobic studios, corporate fitness centers, independently owned fitness centers and franchised fitness centers.

Product Features:u Available as Monoline Liability or as a Package

u Coverage for the following exposures is automatically

included for no additional charge:

• Profesional Liability

• Molestation and Abuse at a $100,000/$300,000 limit

(increased limits available for a charge)

• Child sitting services

• Personal Trainers/Aerobic Instructors

• 4 sport courts

• Jacuzzis, Hot tubs, Saunas and Steam rooms

u Landlords, Property Managers, Club Members, Mortgagees

can be named as Additional Insureds for no additional

charge

u General Liability coverage with expanded definition of Bodily

Injury to include Mental Anguish and Emotional Distress

u No Liability deductible

u Low minimum premiums

Package coverages available:u Property coverage using ISO’s broad April ‘02 coverage form

u Value Plus Endorsement - 15 additional coverages for one

flat charge

u Equipment Breakdown - includes free boiler inspections if

required in your jurisdiction

u Special Form and Replacement Cost coverage is available

u Money & Securities coverage

u Employee Dishonesty coverage

oPtional Features available:u Limited coverage for tanning units

u Coverage for massage services

u Stop Gap Liability

u Coverage for special events with up to 500 attendees

u Hired and Non-owned Auto coverage

additional advantages:u A.M. Best rated A++ carrier

u Quick quote and binder turnaround

This document does not amend, extend or alter the coverage afforded by the Policy. For a complete understanding of any insurance you purchase, you must first read your Policy, Declaration Page and any Endorsements and discuss them with your Broker. A specimen policy is available from an Agent of the Company. Your actual Policy Conditions may be amended by Endorsement or affected by State Laws.

FCP-NR (10/09)

ABRAM INTERSTATE INSURANCE SERVICES, INC.2211 Plaza Drive, Suite 100

Rocklin, CA 95765

Phone: 916 780 7000 Fax: 916 780 7181

This preferred product targets small to medium-sized Fitness Centers. We include the coverages that are vital to a Fitness Center’soperations including Professional Liability, Molestation and Abuse, and Hired & Non-Owned Auto Liability, and Limited Tanning Bed Liability.

PRODUCT ADVANTAGES

u No liability deductibleu Ability to add Club Members, Managers/Lessors, or Mortgagees as additional insureds for no additional premiumu Ability to provide Professional Liability limits equal to the General Liability limit for no additional premiumu Ability to consider accounts with Massage servicesu Ability to include coverage for Child Care servicesu Ability to provide Limited Tanning Bed liabilityu Ability to provide limits for Abuse & Molestation coverage equal to the General Liability limitu Ability to provide Hired & Non-Owned Auto Liabilityu Credits available for participation in Fitness associationsu Inspection costs paid by the United States Liability Insurance Group u A.M. Best rated A++ carrier

The HIT ZONE – Our highest hit ratio

GENERAL LIABILITY

Risks with 500 members or less

Risks with no child sitting services

Risks with no losses or claims (excluding closed without payment)

incurred in the past three years

PROPERTY

Risks with property limits of less than $250,000

Risks not requiring building coverage

Risks with no losses or claims (excluding closed without payment)

incurred in the past three years

FC PKG HZ 8/10

Fitness Centers — Package

ELIGIBLE RISKS – Includes all of the above characteristics except where amended belowGENERAL•LIABILITYu Risks with up to $2,000,000 in annual salesu Risks with child sitting servicesu Risks with massage servicesu Risks with up to 4 tanning unitsu No more than two losses or claims (excluding closed without payment) incurred in the past three years,

and none involving allegations of abuse or molestation PROPERTYu Risks with property limits of up to

• $3,000,000 in protection class 1-8 ($500,000 if cooking)• $500,000 in protection class 9 –10 ($200,000 if cooking)• $500,000 in coastal zones (Wind exclusion applies)

u No more than two losses or claims (excluding closed without payment) incurred in the past three years

INELIGIBLE RISKSGENERAL•LIABILITYu Risks with annual receipts exceeding $2,000,000u Risks that do not require membershipsu Risks that have had alleged or actual incidents regarding molestation or abuseu Risks that are not staffed during all business hoursu Risks that are not requiring a signed Release/Waiver of liabilityu Risks that are not requiring fitness staff to be CPR certifiedu Risks that offer medical, chiropractic, physical therapy, or rehabilitation servicesu Risks that are selling products under their own name or labelu Risks that alter health, diet or fitness products from their original packaging in any wayu Risks selling alcoholu Risks that have trampoline, gymnastic equipment or rock climbing wallsu Risks that offer martial arts, kickboxing or similar “contact” activitiesu Risks that have swimming poolsu Risks that do not have warning signs near and in clear view of all tanning units, hot tubs, Jacuzzis,

saunas, steam rooms and fitness equipmentu Risks that do not maintain repair/service logs for all equipmentu Risks with prior, existing or pending bankruptcy in the past 5 years u Risks located in Alaska and LouisianaPROPERTYu Risks with non-standard structures i.e. bubbles, domes, etc…u Risks with aluminum or knob and tube wiringu Risks that do not have 100% of the wiring on circuit breakersu Risks with prior, existing or pending bankruptcy in the past 5 years u Risks located in Alaska, Louisiana, and Hawaii

AVAILABLE LIMITS

u Maximum property value of $3,000,000 in Protection class 1-8 u Maximum property value of $500,000 in protection class 9 –10u Coastal Zone up to $500,000 per location (wind exclusion applies). Risks having property values up to to

$250,000 for only non-structural (i.e. business personal property and business income) are availablewith wind in select counties without direct exposures. Wind exclusion applies on all other coastalbusiness.

u Liability limits up to $1,000,000 Occurrence / $2,000,000 Aggregateu Tanning Bed sub-limits are $100,000/$300,000u Professional limits are $1,000,000/$2,000,000u $5,000,000 additional capacity available for Excess General Liability or Umbrella Coverage

SUBMISSION REQUIREMENTS

u Within 21 days of the inception date of coverage, this account will be subject to the following:• Our completed & signed application that accompanies this quote; or• Completed & signed ACORD application as long as all underwriting information needed has been

provided to us; or• Completed & signed application from another company as long as all underwriting information

needed has been provided to us.• Representation of loss experience for the last 3 years or as long as applicant has been in business,

if less than 3 years.

UUNITEDNITED S STATESTATES L LIABILITYIABILITY I INSURANCENSURANCE G GROUPROUPA BERKSHIRE HATHAWAY COMPANY

USLI.COMUSLI.COM888-523-5545888-523-5545

ABRAM INTERSTATE INSURANCE SERVICES, INC.2211 Plaza Drive, Suite 100

Rocklin, CA 95765

Phone: 916 780 7000 Fax: 916 780 7181

Fitness Express ProductA pre-packaged fitness solution for your smaller centers!A competitive package with discounted rates!

Who does this product target?

These cenTeRs have The foLLoWinG specific chaRacTeRisTics*:u Circuitresistancetrainingand/orclassesonly

u Aerobicsstudios

u Pilates/Yogastudios

WiTh:

u Upto2,500squarefeet

u Upto$250,000inannualreceipts

u Noshowerfacilities

u Nochildsittingexposure

u Notanningexposure

This pRe-packaGed pRodUcT aUToMaTicaLLy incLUded:u $100,000inbusinesspersonalpropertycoverage

u $80,000inbusinessincomeandextraexpense

u Valuepluspropertyenhancementendorsement

u Theftcoverage

u Generalliabilitylimitsupto$1million/$2millionwithno

deductible

u Professionalliabilitywithlimitsequaltothegeneralliability

u Clubmembersasadditionalinsureds

LiMiT:

u Abuseandmolestationatalimitof$100,000/$300,000

u Coverageforpersonaltrainers/fitnessinstructorswhileon

ourinsured’spremises

* Risknotmatchingthesecriteriamaystillbeeligibleforour

FitnessCenterproduct.

Thisdocumentdoesnotamend,extendoralterthecoverageaffordedbythePolicy.Foracompleteunderstandingofanyinsuranceyoupurchase,youmustfirstreadyourPolicy,DeclarationPageandanyEndorsementsanddiscussthemwithyourBroker.AspecimenpolicyisavailablefromanAgentoftheCompany.YouractualPolicyConditionsmaybeamendedbyEndorsementoraffectedbyStateLaws.