Introducing your new invoiceAs part of our commitment to excellence, we’re always

looking for new ways to improve our service.

We’ve listened to your feedback and made some changes to your invoices to make them easier to understand and process.

1 A simple summary 2 Detailed breakdowns 3 Clear terms and plans

May invoiceAccount number 12345678

Invoice number: 1234567890 Date: May 1, 2014

$933.00Due May 21, 2014

Breakdown on page 2

Page 1 of 4

Please pay $8,033.00

Visit PHLY.com/myphly to pay your invoice online by Electronic Funds Transfer (EFT).

Or detach the coupon on page 4 and return with check made payable to:

Philadelphia Insurance Companies PO Box 70251 Philadelphia, PA 19176-0251

Or call 877-438-7459 to make a single credit card payment

Managing your policy

For coverage questions, policy changes or claims please contact Meltzer Karlin at:

Meltzer Karlin 6500 Rock Spring Drive, Suite 500 Bethseda, MD 20817

301-582-7359

To pay your invoice online or update your details access your account at PHLY.com/myphly

Your payment history

Payment date Check number

April 16, 2013 xxxx

Your full payment history is available online through your MyPHLY account.

custserv@phly.com 877-438-7459Lines open Monday to Friday: 8.30am – 8.00pm EST

Simple summaryA helpful first page with all the key information you need to process the invoice at a glance

1

Ways to pay

All your billing details in one place

Easy to find contact information

Balance due and when

Recent payments received

How to manage and amend your policy

Clear signposting

Detailed breakdownA useful table with all the key information on your policy in one place

Your account summary Your balance breakdown

Product Policy Term / BIll plan

Premium charged ($)

Premium applied ($)

Previous balance ($)

Installment amount ($)

Taxes / surcharge ($) Fees ($)

Payment / credits

Balance due ($)

12345678 Sample

Non Prof Pkg PHPK10692611234 09/01/2013–14 25% & 3

104.50* –28.82 992.68 8.00 (1 of 3)

0.00 0.00 –67.68 933.00

Endorsements to be applied across remaining installments:

#12: 10/17/2013: Add CO Cooking Matters Classes Added: 85.00

Return: –0.00

#13: 10/25/2013: Amend BPP Limits & Mlg Add/Add Tenant Improv & Betterments

Added: 68.00

Return: –0.00

#14: 10/29/2013: Add CO Cooking Matters Classes Added: 30.00

Return: –0.00

Fees

KYC 0.11 0.00 0.11 0.00 0.00 0.00 –0.11 0.00

KYIPS 0.25 0.00 0.25 0.00 0.00 0.00 –0.25 0.00

KYMT 0.70 0.00 0.70 0.00 0.00 0.00 –0.70 0.00

NYFIF 0.82 –0.48 0.34 0.00 0.00 0.00 –0.34 0.00

$104.38 –$28.30 $992.68 $8.00 $0.00 $0.00 –$67.68 933.00

Page 2 of 4Account number 12345678

*Denotes change in term premium

Applications, policy forms, risk management services, and claims management services are available at www.phly.com

2

All the details on how we calculated your balance

A complete account reconciliation and balance breakdown to help you keep track

Easy to process policy details

All the details on your account

corr

espo

nden

ceto

:S

end

paym

ent

All

shou

ld b

e se

nt to

:

Did

you

kno

w y

ou c

an p

ayyo

ur b

ill o

nlin

e? V

isit

us a

tw

ww

.phl

y.co

m fo

r det

ails

.

PAYM

ENT

INST

RU

CTI

ON

S:

Phi

lade

lphi

a In

sura

nce

Com

pani

es.

Det

ach

low

er p

art o

f inv

oice

and

retu

rn w

ith c

heck

mad

e pa

yabl

e to

:

We

also

acc

ept p

aym

ent v

ia C

heck

by

Pho

ne o

r Cre

dit C

ard

We

acce

pt V

isa,

Mas

terC

ard,

and

Am

eric

an E

xpre

ss.

Invo

ice

Num

ber:

Acc

ount

Num

ber:

Bill

ing

Dat

e:D

ue D

ate:

Am

ount

Due

:

Bill

ing

Dat

e:

Tota

l Ins

tallm

ent D

ue:

If pa

ymen

t has

alre

ady

been

mad

e, p

leas

e di

sreg

ard

this

invo

ice.

Due

Dat

e:

Rem

ittan

ce A

mou

nt:

$

Que

stio

ns?

Plea

se c

all c

usto

mer

ser

vice

at

by

calli

ng C

usto

mer

Ser

vice

at

INVO

ICE

Page

1 of

2

Acc

ount

Num

ber:

Age

nt N

ame:

7892

5819

NFP

Pro

perty

& C

asua

lty (M

eltz

er K

arlin

)(3

01) 5

81-7

359

SH

AR

E O

UR

STR

EN

GTH

1030

15T

H S

T S

TE 1

100W

WA

SH

ING

TON

DC

200

05

PH

ILA

DE

LPH

IA IN

SU

RA

NC

E C

OM

PAN

IES

PO

BO

X 7

0251

PH

ILA

DE

LPH

IA P

A 1

9176

-025

1

Phi

lade

lphi

a In

sura

nce

Com

pani

esC

usto

mer

Ser

vice

Dep

artm

ent

One

Bal

a P

laza

Bal

a C

ynw

yd, P

A 1

9004

877-

438-

7459

877-

438-

7459

PH

ILA

DE

LPH

IA IN

SU

RA

NC

E C

OM

PAN

IES

PO

BO

X 7

0251

PH

ILA

DE

LPH

IA P

A 1

9176

-025

1

PO

BO

X 7

0251

PH

ILA

DE

LPH

IA P

A 1

9176

-025

1

01/0

1/20

1401

/21/

2014

$8,0

33.0

0

0402

0231

657

01/0

1/20

1401

/21/

2014

$8,0

33.0

0

7892

5819

3

SH

AR

E O

UR

STR

EN

GTH

1030

15T

H S

T S

TE 1

100W

WA

SH

ING

TON

DC

200

05

04020231657

0000000789258193

20140101

20140121

0000000008033001

Page 4 of 4

Billing terms

Policy The program

Term The policy length

Product Identifies PHLY niche product group

Bill plan Full or interval payment plan applied to the policy, see section opposite for details

Premium charged Policy premium at inception plus any additional premium or return premium endorsements

Premium applied Payments or adjustments made to date

Previous balance Amount due at the end of prior month

Installment amount Divided portion of premium invoiced this month based on the Bill Plan

Taxes/surcharges and fees State imposed taxes or surcharges based on specific coverage and/or premium

Payment / credits Payments or adjustments made during prior month

Balance due Total amount currently due

Available bill plans

Fixed Annual One bill is produced for the annual premium as of the effective date of the policy.

Installment plans For the following plans, a $500 installment minimum is required. Any endorsement activity will be billed or credited over any remaining installments. These plans do not reflect options available for Rental and Leasing policies.

25% & 9

25% of the annual premium is billed the first month, 1/9th of the remaining annual will be billed in consecutive monthly intervals.

25% & 5

25% of the annual premium is billed the 1st month. The remaining installments of 1/5th will be billed in consecutive monthly intervals.

25% & 3

25% of the annual premium is billed the 1st month. 1/3rd of the remaining annual will be billed in consecutive monthly intervals.

50% & 2

50% of the annual premium is billed the 1st month. 1/2 of the remaining annual will be billed in consecutive monthly intervals.

1234

5678

1234

5678

90

05/0

1/20

1405

/21/

2014

ADDR

ESS

1 AD

DRES

S 2

ADDR

ESS

3

Account number 12345678

$133

.00

Clear terms and plansAdditional information to help explain our lingo3

Industry terms defined so you can tell how balances are calculated

All our available bill plans so you can ensure you are on the best payment plan for your policy

Your ready-to-mail coupon for check payments

DIRECT BILL

February invoiceAccount number 12345678

Invoice number: 1234567890 Date: January 1, 2014

$8,033.00Due January 21, 2014

Breakdown on page 2

Page 1 of 4

Please pay $8,033.00

Visit PHLY.com/myphly to pay your invoice online by Electronic Funds Transfer (EFT).

Or detach the coupon on page 4 and return with check made payable to:

Philadelphia Insurance Companies PO Box 70251 Philadelphia, PA 19176-0251

Or call 877-438-7459 to make a single credit card payment

Managing your policy

For coverage questions, policy changes or claims please contact Meltzer Karlin at:

Meltzer Karlin 6500 Rock Spring Drive, Suite 500 Bethseda, MD 20817

301-582-7359

To pay your invoice online or update your details access your account at PHLY.com/myphly

Your payment history

Payment date Check number

December 16, 2013 xxxx

Your full payment history is available online through your MyPHLY account.

custserv@phly.com 877-438-7459Lines open Monday to Friday: 8.30am – 8.00pm EST

DIRECT BILL

Your account summary Your balance breakdown

Product Policy Term / BIll plan

Premium charged ($)

Premium applied ($)

Previous balance ($)

Installment amount ($)

Taxes / surcharge ($) Fees ($)

Payment / credits

Balance due ($)

12345678 Sample

Non Prof Pkg PHPK10692611234 09/01/2013–14 25% & 3

104,054.50* –28,819.82 67,201.68 8,033.00 (1 of 3)

0.00 0.00 –67,201.68 8,033.00

Endorsements to be applied across remaining installments:

#12: 10/17/2013: Add CO Cooking Matters Classes Added: 850.00

Return: –0.00

#13: 10/25/2013: Amend BPP Limits & Mlg Add/Add Tenant Improv & Betterments

Added: 6,883.00

Return: –0.00

#14: 10/29/2013: Add CO Cooking Matters Classes Added: 300.00

Return: –0.00

Fees

KYC 0.11 0.00 0.11 0.00 0.00 0.00 –0.11 0.00

KYIPS 0.25 0.00 0.25 0.00 0.00 0.00 –0.25 0.00

KYMT 0.70 0.00 0.70 0.00 0.00 0.00 –0.70 0.00

NYFIF 0.82 –0.48 0.34 0.00 0.00 0.00 –0.34 0.00

$104,056.38 –$28,820.30 $67,203.08 $8,033.00 $0.00 $0.00 –$67,203.08 $8,033.00

Page 2 of 4Account number 12345678

*Denotes change in term premium

Applications, policy forms, risk management services, and claims management services are available at www.phly.com

DIRECT BILL

Page 3 of 4

Our risk management services

Philadelphia Insurance Companies’ Risk Management Services give you peace of mind with well-developed procedures, action plans and projects that protect your business and improve customer satisfaction.

What can we help you with?

We help you control risk through analyzing what’s driving up your losses, and assessing your existing management programs to see what can be improved.

We offer training to suit your needs: whether for onsite defensive driving or online content development, our training is interactive and implementable for everyone that takes part.

We’re driven to help prevent loss and help your business achieve measurable results. To find out how we can help you, visit PHLY.com or call us on 800.873.4552

Our liability products

Philadelphia Insurance Companies also offer management and professional liability cover to a range of businesses to provide greater security for our policyholders.

With a 95.3% customer satisfaction rate, we’re committed to excellence and providing superior service to our customers and agencies across the United States. We’re focused on delivering specialized insurance products that meet and surpass our customers’ needs and continuously review our processes to make it easy to do business with us.

Choose the cover that suits your organization’s needs:

Our management liability programs

Private Company Protection Plus Employment Practices Liability Flexi Plus Five Affinity Pro Portfolio

Our professional liability programs

Cover-Pro Cyber Security Liability Employed Lawyers Protection Plus Accountants Professional Liability Crime Protection Plus Business Owners Policy

To find out more visit PHLY.com or call 800.873.4552

Account number 12345678

DIRECT BILL

corr

espo

nden

ceto

:S

end

paym

ent

All

shou

ld b

e se

nt to

:

Did

you

kno

w y

ou c

an p

ayyo

ur b

ill o

nlin

e? V

isit

us a

tw

ww

.phl

y.co

m fo

r det

ails

.

PAYM

ENT

INST

RU

CTI

ON

S:

Phi

lade

lphi

a In

sura

nce

Com

pani

es.

Det

ach

low

er p

art o

f inv

oice

and

retu

rn w

ith c

heck

mad

e pa

yabl

e to

:

We

also

acc

ept p

aym

ent v

ia C

heck

by

Pho

ne o

r Cre

dit C

ard

We

acce

pt V

isa,

Mas

terC

ard,

and

Am

eric

an E

xpre

ss.

Invo

ice

Num

ber:

Acc

ount

Num

ber:

Bill

ing

Dat

e:D

ue D

ate:

Am

ount

Due

:

Bill

ing

Dat

e:

Tota

l Ins

tallm

ent D

ue:

If pa

ymen

t has

alre

ady

been

mad

e, p

leas

e di

sreg

ard

this

invo

ice.

Due

Dat

e:

Rem

ittan

ce A

mou

nt:

$

Que

stio

ns?

Plea

se c

all c

usto

mer

ser

vice

at

by

calli

ng C

usto

mer

Ser

vice

at

INVO

ICE

Page

1 of

2

Acc

ount

Num

ber:

Age

nt N

ame:

7892

5819

NFP

Pro

perty

& C

asua

lty (M

eltz

er K

arlin

)(3

01) 5

81-7

359

SH

AR

E O

UR

STR

EN

GTH

1030

15T

H S

T S

TE 1

100W

WA

SH

ING

TON

DC

200

05

PH

ILA

DE

LPH

IA IN

SU

RA

NC

E C

OM

PAN

IES

PO

BO

X 7

0251

PH

ILA

DE

LPH

IA P

A 1

9176

-025

1

Phi

lade

lphi

a In

sura

nce

Com

pani

esC

usto

mer

Ser

vice

Dep

artm

ent

One

Bal

a P

laza

Bal

a C

ynw

yd, P

A 1

9004

877-

438-

7459

877-

438-

7459

PH

ILA

DE

LPH

IA IN

SU

RA

NC

E C

OM

PAN

IES

PO

BO

X 7

0251

PH

ILA

DE

LPH

IA P

A 1

9176

-025

1

PO

BO

X 7

0251

PH

ILA

DE

LPH

IA P

A 1

9176

-025

1

01/0

1/20

1401

/21/

2014

$8,0

33.0

0

0402

0231

657

01/0

1/20

1401

/21/

2014

$8,0

33.0

0

7892

5819

3

SH

AR

E O

UR

STR

EN

GTH

1030

15T

H S

T S

TE 1

100W

WA

SH

ING

TON

DC

200

05

0402

0231657

00000007892581

93

20140101

20140121

000000000803

300

1

Page 4 of 4

Billing terms

Policy The program

Term The policy length

Product Identifies PHLY niche product group

Bill plan Full or interval payment plan applied to the policy, see section opposite for details

Premium charged Policy premium at inception plus any additional premium or return premium endorsements

Premium applied Payments or adjustments made to date

Previous balance Amount due at the end of prior month

Installment amount Divided portion of premium invoiced this month based on the Bill Plan

Taxes/surcharges and fees State imposed taxes or surcharges based on specific coverage and/or premium

Payment / credits Payments or adjustments made during prior month

Balance due Total amount currently due

Available bill plans

Fixed Annual One bill is produced for the annual premium as of the effective date of the policy.

Installment plans For the following plans, a $500 installment minimum is required. Any endorsement activity will be billed or credited over any remaining installments. These plans do not reflect options available for Rental and Leasing policies.

25% & 9

25% of the annual premium is billed the first month, 1/9th of the remaining annual will be billed in consecutive monthly intervals.

25% & 5

25% of the annual premium is billed the 1st month. The remaining installments of 1/5th will be billed in consecutive monthly intervals.

25% & 3

25% of the annual premium is billed the 1st month. 1/3rd of the remaining annual will be billed in consecutive monthly intervals.

50% & 2

50% of the annual premium is billed the 1st month. 1/2 of the remaining annual will be billed in consecutive monthly intervals.

1234

5678

1234

5678

90

ADDR

ESS

1 AD

DRES

S 2

ADDR

ESS

3

Account number 12345678