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NOTICE OF ASSUMPTION AND NON RENEWAL - CERTIFICATE OF ASSUMPTION447CITIZENS PROPERTY INSURANCE CORPORATION Data of Notice: December 10, 2013 Second Lien holder: Assumpl 08 13 Citizens Property Insurance Corporation Citizens Service Center 6676 Corporate Center Parkway Jacksonville, FL 32216 -0973 ' ll1' l' lli111111lII l' IIII" IIIII" IIIIIIIIIIIIiiI111I'II'lliuui,s 4097 City of Clearwater PO BOX 4748 CLEARWATER, FL 33758 -4748 Policy Number: Expiration Dab: Named insured: FRJH5710234 April 22, 2014 Meredith Hess 101 N DUNCAN AVE CLEARWATER, FL 33755 NOTICE OF ASSUMPTION AND NON RENEWAL Please read carefully as this is the only notice you will receive. This Notice and the enclosed Certificate of Assumption contain Important information about changes affecting your Citizens Insurance policy. Recently you were notified that Heritage Property & Casualty Insurance Company Is interested In providing you property insurance coverage. On December 10, 2013 at 12:01 AM, Heritage Property & Casualty Insurance Company assumed full responsibility for your property insurance policy previously Issued by Citizens Property Insurance Corporation (Citizens). The assumption of your policy by Heritage Property & Casualty Insurance Company was approved by state insurance regulators. Your agent has accepted an appointment with Heritage Property & Casualty Insurance Company and has agreed to continue to service your insurance needs through Heritage Property & Casualty insurance Company. Your current Citizens policy Is now considered directly Issued by Heritage Property & Casualty insurance Company and will remain In effect until the expiration date shown above. This also is notice that this policy is non - renewed on the expiration date and any replacement policy will be Issued by Heritage Property & Casualty Insurance Company. As previously advised, you have until January 09, 2014 to reject this assumption and remain Insured by Citizens. To do this, you must complete and sign the Opt Out Form previously provided to you. This form Is located on the Citizens website at httpsi/ www. cltlzensfla .com/about/depopinfo.cfm and should be forwarded to Heritage Property & Casualty Insurance Company, whose contact information is on the following Certificate of Assumption. TO REPORT CLAIMS; For claims that occur on or after, 12.01 AM, December 10, 2013 - Call Heritage Property & Casualty Insurance Company at (855) 415 -7120. For claims that occur prior to 12.01 AM, December 10, 2013 - Contact your Citizens agent at the phone number below. TO REQUEST POLICY SERVICE : For policy service, including coverage changes or cancellation requests, or questions regarding this notice - Contact your Citizens agent LAURA WEBB, at (813) 887 -5531. cc: LAURA WEBB AGENCY LLC 3212 S DALE MABRY HIGHWAY TAMPA, FL 33629 Loan Number. DPA1700 Second Lienholder Copy MID: 27368 / AID: 27368/ FID: 8 Date of Notice: December 10, 2013 Second Lienholder: City of Clearwater PO BOX 4748 CLEARWATER, FL 33758 -4748 HERITAGE" Insurance liars of Strength and Character. Policy Number: FRJH5710234 Expiration Date: April 22, 2014 Named Insured: Meredith Hess 101 N DUNCAN AVE CLEARWATER, FL 33755 Assump2 0813 CERTIFICATE OF ASSUMPTION ASSUMPTION - Heritage Property & Casualty Insurance Company and Citizens Property Insurance Corporation (Citizens) have entered into an agreement under which Heritage Property & Casualty insurance Company has assumed full responsibility for Citizens' obligations under certain policies of insurance Issued by Citizens. OBLIGATIONS - Heritage Property & Casualty Insurance Company is directly responsible for all covered losses under your insurance policy, effective with claim event occurrences beginning December 10, 2013 at 12:01 AM and continuing through the expiration date of your policy listed above. For claims occurring prior to 12:01 AM, December 10, 2013 - Contact your agent. For claims occurring on or after 12:01 AM, December 10, 2013 - Contact Heritage Property & Casualty Insurance Company at (855) 415 -7120. SERVICING - Your agent has not changed and will continue to provide service on your insurance policy. Any policy coverage questions or matters relating to endorsements, policy changes, or cancellations will continue to be handled by your agent. This Certificate of Assumption should be attached to your current Citizens policy. We at Heritage Property & Casualty Insurance Company look forward to servicing your Insurance needs. IN WITNESS WHEREOF, Heritage Properly & Casualty Insurance Company has caused this Certificate of Assumption to be executed with an effective date of December 10, 2013 at 12:01 AM. 700 Central Ave., Suite 500, St Petersburg, FL 33701, (855) 620 -9978 Second Lienholder Copy MID: 27388 / AID: 27368 / FID: 6