### INSURED/BORROWER (Name and address as shown on Policy) 

### AGENT or BROKER (Name and Business Address) 

## COMMERCIAL PREMIUM FINANCE AGREEMENT LENDER:



## LOAN DISCLOSURE Total Premiums, Taxes and Fees Cash Down Payment Documentary Stamp Tax (only applicable in Florida) 

### Amount Financed (amount o f credit provided on your behalf) 

### Unpaid Premium Balance FINANCE CHARGE (dollar amount the credit will

cost you) 

### Total o f Payments (amount paid after making all

scheduled payments) 

### ANNUAL PERCENTAGE RATE (cost of credit as a yearly rate)



### YOUR PAYMENT SCHEDULE WILL BE:
Number of Payment s Amount of Each Payment First Installment Due

Installment Due Dates

SECURITY INTEREST. The named insured (herein referred to as "Insured") grants LENDER a security interest in the financed policies and any additional premiums required under the financed policies, including (but only to the extent permitted by applicable law) all return premiums, dividend payments (not app licable in KY), and loss payments which reduce unearned premium, subject to any mortgagee or loss payee interest. If any circumstances exist in which all premiums related to any financed policy could become fully earned in the event of loss, LENDER shall be named a loss-payee with respect to such policy. FINANCE CHARGE. The finance charge begins accruing on the earliest effective date o f the policies listed in the Schedule o f Policies. The finance charge may include a nonrefundable service charge equal to the maximum amount permitted by law ($10 in AK, DE, N Y & PA; $25 in NV; $12 in NJ; $15 in N C, RI & VA; $16 in MA; $20 in FL). The finance charge is computed using a 365-day calendar year. LATE PAYMENT. A late charge will be assessed on any installment at least 5 days in default (7 days in VA or such later date as required by applicable law. 10 days in M A & TX). This late charge will equal 5% o f the delinquent installment or the maximum late charge permitted by applicable law, whichever is less (greater o f $10 or 5% in FL; greater o f $25 or 1.5% in NJ; $5 maximum in DE, MT and ND; $100 maximum in MD; 5% in VA). PREPAYMENT. The Insured is entitled to a refund o f part or all o f the unearned finance charge i f the loan is prepaid in full prior to the last installment due date. The refund shall be computed according to applicable law subject to any nonrefundable service charge. In VA the refund shall be calculated using the short rate method. In C A the rebate is in compliance with Ca l Fin Code § 18629

. SCHEDULE OF POLICIES Policy Number Full Name of Insurance Company and Name of General Agent or Company Office to Which Premium is Paid Coverage Policy Term Effective Date Premiums, Taxes and Fees

TOTAL

INSURED'S AGREEMENT: 1. In consideration o f the premium payment being advanced by LENDER to the insurance companies listed in the Schedule o f Policies, their representative or the Agent or Broker listed above, the Insured promises to pay, to the order of LENDER, the Total of Payments subject to all of the provis ions set forth in this Agreement. 2. POWER OF ATTORNEY. INSURED IRREVOCABLY APPOINTS LENDER AS ITS "ATTORNEY-IN-FACT" with full power o f substitution and full authority, in the event o f default under this Agreement, to (i) cancel the financed policies in accordance with the provisions contained herein, (ii) receive all sums assigned to LENDER, and (iii) execute and deliver on b ehal f o f the Insured all documents, forms and notices relating to the insurance policies listed on the Schedule o f Policies in furtherance o f this Agreement (clauses (ii) and (iii) are not applicable in Florida). Insured agrees that this right to cancel will terminate only after all o f Insured's indebtedness under this Agreement is paid in full. 3. SIGNATURE & ACKNOWLEDGEMENT. Insured has signed and received a copy o f this Agreement. I f the Insured is not an individual, the undersigned is authorized to sign this Agreement on b ehal f o f the Insured. All named Insured(s), j ointly and severally i f more than one, agree to all provisions set forth in this Agreement. Insured acknowledges and understands that entry into this financing arrangement is not required as a condition for obtaining insurance coverage. NOTICE TO INSURED: (1) Do not sign this Agreement before you read both pages o f it, or if it contains any blan k space. (2) You are entitled to a completely filled-in copy o f this Agreement. (3) Under the law, you have the right to pay of f in advance the full amount due and under certain conditions to receive a partial refund of the finance charge. (4)

Signature o f Insured or Authorized Agent Date Signature o f Agent    Date

The undersigned hereby warrants and agrees to the Agent or Broker Representations and Warranties set forth herein. FIF0214Q M

ail Pa y ments to: FIRST Insurance FundingCor p ., PO Box 66468, Chica go, IL 60666-0468 Barrington Bank & Trust Company, N.A. 201 South Hough Street Barrington, IL 60010 To Be Serviced By: FIRST Insurance Funding Corp. 450 Skokie Blvd, Suite 1000 Northbrook, IL 60062 P:(800)837-3707 F:(800)837-3709

www.firstinsurancefunding.com 

### Quote #: 000002725783

Q#:000002725783 CONT_TYPE:BAR PRN:090214 CFG:07275RT:07275STD CRD:N/A BP:Bill F/D: 000 SUB:Agent 07275 Customer ID:n/a Upstate Aerial Photography & Editing

204 Dairwood Dr

Simpsonville SC 29680 Phone: (619) 972-7382 COMMERCIAL LINES

Hill & Usher Insurance & Surety 3033 N. 44th Street, Suite 300 Phoenix AZ 85018 07275-0001

1,484.00 563.92 920.08 0.00 920.08 63.50 983.58 13.650

29th (Quarterly) 11/29/2014


### 3 327.86

TBD 12258-001 - Seneca Specialty Ins Co 001931 - Networked Insurance Agents GL 12 08-29-2014 FIN TXS/FEES ERN TXS/FEES 1,400.00 84.00 0.00 [ME%: 25.000 CX: 10]

1,484.00

Keep your copy of this Agreement to protect your legal rights.ADDITIONAL PROVISIONS OF PREMIUM FINANCE AGREEMENT

AGENT OR BROKER REPRESENTATIONS AND WARRANTIES 4. EFFECTIVE DATE. This Agreement will not become effective until it is accepted in writing by LENDER. 5. DEFAULT/CANCELLATION. Insured is in default under this Agreement i f (a) a payment is not received by LENDER when it is due, (b) a proceeding in bankruptcy, receivership, insolvency or similar proceeding is instituted by or against Insured, or (c) Insured fails to comply with any o f the terms o f this Agreement; provided, however, when required by applicable law, Insured may be deemed in default only under clause (a) above. Clauses (b) and (c) are not applicabl e in FL, MD, NV, N C or VA. At any time after default, LENDER can demand and has the right to receive immediate payment o f the total unpaid amount due under this Agreement even i f LENDER has not received any refund o f unearned premium. If the Insured is in default, LENDER has no further obligation under this Agreement to pay premiums on the Insured's behalf, and LENDER may pursue any o f the remedies provided in this Agreement or by applicable law. If a default by the Insured results in cancellation o f any insurance policy listed in the Schedule o f Policies, the Insured agrees to pay a cancellation charge where allowed by applicable law (not permitted in AK, FL, KS, KY, NV, N Y, N C, PA, SC, TX or VA). I f cancellation occurs, where permitted by law, the Insured agrees to pay LENDER interest on the balance due at the contract rate or at the maximum lawful rate, whichever is less, until the balance is paid in full or until s uch other date as provided by applicable law. 6. RETURNED CHEC K CHARGE. I f an Insured's check is dishonored for any reason and i f permitted by law, the Insured will pay LENDER a returned check charge equal to the maximum fee permitted by law (not permitted in KY; $15 in FL & NV; $20 in VA; maximum of $25 in MD). 7. REINSTATEMENT. Once a N otice o f Cancellation has been sent to any insurance company, LENDER has no duty to rescind it or to ask that the policy be reinstated, even i f LENDER later receives a payment from Insured. In the event LENDER requests reinstatement, such request does not guarantee that coverage will be reinstated by the insurance company. Payments that LENDER receives after sending a N otice o f Cancellation may be applied to Insured's account without changing any of LENDER's rights under this Agreement. 8. LENDER'S RIGHTS AFTER THE POLICIES ARE CANCELLED. After any financed policy is cancelled, whether by LENDER, the Insured, or the insurance companies listed in the Schedule o f Policies, LENDER has the right to receive all unearned premiums and other funds assigned to LENDER as security herein and to apply them to Insured's unpaid balance under this Agreement or any other agreement between the Insured and LENDER (in VA, only to policies financed under this Agreement). Receipt o f unearned premiums does not constitute payment o f installments to LENDER, in full or in part. If the amount received is more than the amount owed by Insured, any excess amount will be refunded to Insured; the minimum refund is $1.00 (no minimum in VA). If the amount received is less than the amount owed by Insured, Insured will be responsible for the deficiency. Insured agrees that insurance companies may rely exclusively on LENDER's representations about the financed policies. 9. ASSIGNMENT. Insured may not assign any policy without LENDER's written consent. However, LENDER's consent is not needed to add mortgagees or other persons as loss payees to financed policies. LENDER may transfer its rights under this Agreement to anyone without the consent of Insured. 10. AGENT OR BROKER. Insured agrees that the insurance Agent or Broker issuing the policies or through whom the policies were issued is not the agent o f LENDER, except for any action taken on b ehal f o f LENDER with the express authority o f LENDER, and LENDER is not bound by anything the Agent or Broker represents to the Insured, orally or in writing, that is not contained in this Agreement.

11. COLLECTION COSTS. Insured agrees to pay reasonable attorney fees, court costs, and other collection costs to LENDER to the extent permitted by law i f this Agreement is referred to an attorney or collection agent who is not a salaried employee of LENDER to collect money that Insuredowes (not permitted in KY or MD). 12. LIABILITY

.

13. GOVERNING LAW. This Agreement is governed by and interpreted under the laws o f the state where the Insured resides, except for conflict o f laws principles thereof. If any court finds any part of this Agreement to be invalid, such finding shall not affect the remaining provisions o f this Agreement. 14. WARRANT Y OF ACCURACY. The Insured represents and warrants that to the best o f its knowledge (i) the insurance policies listed in the Schedule o f Policies are in full force and effect and that the Insured has not and will not assign any interest in the policies except for the interest o f mortgagees and loss payees, (ii) that unless disclosed on Page 1, none o f the policies listed in the Schedule o f Policies are for personal, family or household purposes, (iii) the Cash Down Payment and any past due payments have been paid in full to the agent in cash or other immediately available funds, (iv) all information provided herein or in connection with this Agreement is true, correct, complete and not misleading, (v) no proceeding in bankruptcy, receivership, insolvency or similar proceeding is instituted by or against Insured, (vi) the Insured has no indebtedness to the insurers issuing the listed policies and none o f those insurers have asserted any claims for payment against the Insured, and (vii) there is no term or provision in any listed policies that would require LENDER to notify or obtain consent from any other party to effe ct cancellation of such policies. 15. ADDITIONAL PREMIUMS. Funds paid by LENDER shall be applied to the premium amounts listed in this Agreement and Insured shall be responsible for any additional premiums or other sums. Insured, or Agent/Broker, may request that LENDER finance additional policies and/or additional premium during the term o f this Agreement, and i f LENDER agrees, this Agreement shall be deemed amended accordingly. Should LENDER assign an account number to further extensions o f credit, then a) this Agreement and loan documents identified by the assigned account number(s) shall be deemed to comprise a single and indivisible lo an transaction, b) Insured shall irrevocably appoint LENDER as its attorney in fact in connection with additional amount financed, c) default under any component o f the transaction shall constitute a default under the entire transaction, and d) unearned premium relating to any component o f the transaction may be collected and applied to the entire loan transaction balance. 16. AUDIT AND REPORTING FORM POLICIES. I f any financed policies are auditable, reporting form policies or subject to retrospective rating, the Insured agrees to fully comply with all audits and pay to the insurance company the earned premium computed in accordance with the policy provisions which is in excess o f the amount of premium advanced by LENDER and retained by the insurance company. 17. CORRECTIONS. LENDER may insert the names o f the insurance companies and policy numbers, i f this information is not known at the time Insured signs this Agreement. LENDER is authorized to correct patent errors or omissions in this Agreement (not applicable in KY or VA).

The Agent or Broker executing this Agreement represents, warrants, and agrees: (1) The Insured has received a copy o f this Agreement and has authorized this transaction, the Insured's signature is genuine and the cash down payment has been received from the Insured, (2) the listed policies are in full force and effect, and the information contained in the Schedule o f Policies including the premium amount is correct, except for assigned risk policies where the actual premium amount may be unknown at this time, (3) the Agent or Broker is either the insurer's authorized policy issuing agent or the broker placing the coverage directly with the insurer, except where the name o f the Issuing Agent or General Agent is listed in the Schedule o f Policies, (4) no direct company bill, audit, or reporting form policies, or policies subject to retrospective rating or to minimum earned premium, are included, except as previously disclosed in writing to LENDER, and the deposit o f provisional premiums is not less than anticipated premiums to be earned for the full term o f the policies, (5) the policies can be cancelled by the Insured or LENDER (or its successors and assigns) with proper notice, and the unearned premiums will be compute d on the standard short rate or pro rata table except as previously disclosed in writing to LENDER, (6) to the best o f the undersigned's knowledge and belief, there are no bankruptcy, receivership, or insolvency proceedings affecting the Insured, (7) to hold LENDER, its successors and assigns harmless against any los s or expense (including attorney fees) resulting from violations o f these Representations and Warranties or from errors, omissions, or inaccuracies o f Agent or Broker in preparing this Agreement, (8) to pay all reasonable attorney fees, courts costs, and other collection costs incurred by LENDER in recovering amounts due from the Agent or Broker in connection with any breach o f these Agent or Broker Representations and Warranties, (9) to indemnify LENDER for any and all losses LENDER incurs as a result o f any error committed by the Agent or Broker in completing or failing to complete any portion o f this Agreement, and (10) to hold in trust for LENDER any payments made or credited to the insured through or to the undersigned directly or indirectly, actually or constructively by the insurance companies or LENDER and to pay the monies as well as the unearned commissions to LENDER upon demand to satisfy the outstanding indebtedness of the Insured.

N C License #482. C A License #1850. V A License #PF146. California Borrowers: 

## FO R INFORMATION CONTACT THE DEPARTMENT OF FINANCIAL INSTITUTIONS, STATE OF CALIFORNIA

FIF0214Q Where permissible by law, LENDER may pay some portion of the finance charge or other form of compensation to the Agent or Broker executing this Agreement for aiding in the administration of this Agreement (not applicable in VA). Any questions regarding this payment should be directed to the Agent or Broker. 

### Insured: Upstate Aerial Photography Quote #: 000002725783

Insured understands and agrees that LENDER is not liable to Insured or any person or entity upon the exercise of LENDER's right of cancellation, except in the event of willful or intentional misconduct by LENDER. This provision is not permitted in KY.