# SCHEDULE D

If the Named Insured shall elect to obtain Coverage B pursuant to Condition S of this Policy, the annual premium charge for each Annual Period for Coverage B shall be computed by multiplying the premium for the last Annual Period in the Policy Period by the applicable factor set forth in the following table:

| Coverage B | Annual Premium Charge |
|------------|-----------------------|
| 1st Annual Period | 12%                   |
| 2nd Annual Period | 11%                   |
| 3rd Annual Period | 10%                   |
| 4th and each additional Annual Period | 9%                    |