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Filing at a Glance

Companies: Nationwide Affinity Insurance Company of America.Nationwide Mutual Insurance CompanyNationwide Property and Casualty Insurance Company.

Product Name: Private Passenger Auto

State: Pennsylvania

TOI: 19.0 Personal Auto

Sub-TOI: 19.0001 Private Passenger Auto (PPA)

Filing Type: Rate

Date Submitted: 05/10/2017

SERFF Tr Num: NWPC-131024406

SERFF Status: Assigned

State Tr Num:

State Status: Received Review in Progress

Co Tr Num: 17A-11933PA-RRE (NMIC, NAICOA, NPCIC)

Effective DateRequested (New):

12/22/2017

Effective DateRequested (Renewal):

12/22/2017

Author(s): Lori Sabatino, Teresa Herderick

Reviewer(s): Xiaofeng Lu (primary), Michael McKenney

Disposition Date:

Disposition Status:

Effective Date (New):

Effective Date (Renewal):

State Filing Description:

SERFF Tracking #: NWPC-131024406 State Tracking #: Company Tracking #: 17A-11933PA-RRE (NMIC,NAICOA, NPCIC)

State: Pennsylvania First Filing Company: Nationwide Affinity Insurance Company ofAmerica., ...

TOI/Sub-TOI: 19.0 Personal Auto/19.0001 Private Passenger Auto (PPA)


Project Name/Number: PA Rate (NMIC, NAICOA, NPCIC)/17A-11933PA-RRE (NMIC, NAICOA, NPCIC)

PDF Pipeline for SERFF Tracking Number NWPC-131024406 Generated 05/16/2017 02:38 PM

General Information

Company and Contact

Project Name: PA Rate (NMIC, NAICOA, NPCIC) Status of Filing in Domicile: Not Filed

Project Number: 17A-11933PA-RRE (NMIC, NAICOA, NPCIC) Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 05/11/2017

State Status Changed: 05/15/2017 Deemer Date:

Created By: Lori Sabatino Submitted By: Lori Sabatino

Corresponding Filing Tracking Number:

Filing Description:

We are making the following changes to the Pennsylvania Private Passenger Automobiles written in the Nationwide MutualInsurance Company and the Nationwide Affinity Insurance Company of America, effective December 22, 2017, for renewalbusiness. These companies do not write new business.

We are making the following changes to the Pennsylvania Private Passenger Automobiles written in the Nationwide Propertyand Casualty Insurance Company, effective December 22, 2017, for new and renewal business.

We are filing for uniform changes to the territory base rates and revised miscellaneous coverage rates. The overall rate-levelchange is 5.5% for the policyholders impacted by this rate change. (The overall rate-level change including Harleysvillepremium, also written in the Nationwide Mutual Insurance Company but not impacted by this rate change, is 5.4%)

Filing Contact InformationTeresa Herderick, AVP Pricing [email protected]

One Nationwide Plaza

1-17-401

Columbus, OH 43215

614-249-3965 [Phone]

614-249-5113 [FAX]







Filing Fees

State Specific

Filing Company InformationNationwide Affinity InsuranceCompany of America.


Columbus, OH 43215

(614) 249-7022 ext. [Phone]

CoCode: 26093

Group Code: 140

Group Name: NationwideInsurance

FEIN Number: 48-0470690

State of Domicile: Ohio

Company Type: Property andCasualty

State ID Number:

Nationwide Mutual InsuranceCompany


Columbus, OH 43215

(614) 249-7022 ext. [Phone]

CoCode: 23787

Group Code: 140





State ID Number:

Nationwide Property and CasualtyInsurance Company.


Columbus, OH 43215

(614) 249-7022 ext. [Phone]

CoCode: 37877

Group Code: 140





State ID Number:

Fee Required? Yes

Fee Amount: $150.00

Retaliatory? Yes

Fee Explanation: $50 Nationwide Mutual Insurance Company+ $50 Nationwide Affinity Insurance Company of America+ $50 Nationwide Property and Casualty Insurance Company= $150 Total

Per Company: Yes

Company Amount Date Processed Transaction #Nationwide Mutual Insurance Company $50.00 05/10/2017 123560227Nationwide Affinity Insurance Company ofAmerica.

$50.00 05/10/2017 123560226

Nationwide Property and Casualty InsuranceCompany.

$50.00 05/10/2017 123560307

*Filing Fee Amount: $150.00*Date Filing Fee Mailed: Via EFT*Filing Fee Check Number: Via EFT*Filing Fee Check Date: Via EFT*NAIC Number: 23787 (NMIC), 26093 (NAICOA), 37877 (NPCIC)







Rate Information Rate data applies to filing.

Filing Method: Prior Approval

Rate Change Type: Increase

Overall Percentage of Last Rate Revision: 5.400%

Effective Date of Last Rate Revision: 06/22/2017

Filing Method of Last Filing: Prior Approval

Company Rate Information

Company

Name:

Overall %

Indicated

Change:

Overall %

Rate

Impact:

Written Premium

Change for

this Program:

Number of Policy

Holders Affected

for this Program:

Written

Premium for

this Program:

Maximum %

Change

(where req'd):

Minimum %

Change

(where req'd):Nationwide AffinityInsurance Company ofAmerica.

5.500% 5.500% $9,695,694 92,301 $176,285,354 9.900% 3.800%

Nationwide MutualInsurance Company

5.100% 5.100% $12,355,777 139,009 $243,290,728 8.900% 3.300%

Nationwide Property andCasualty InsuranceCompany.

5.500% 5.500% $16,327,306 188,331 $296,860,124 9.300% 3.500%

SERFF Tracking #: NWPC-131024406 State Tracking #: Company Tracking #: 17A-11933PA-RRE (NMIC, NAICOA,NPCIC)

State: Pennsylvania First Filing Company: Nationwide Affinity Insurance Company of America., ...





Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments1 PA NMIC Final Manual

Changed PagesRT1, RT2, RT3 Replacement PA NMIC Rate Tables 12-22-

17 - Changed Pages.pdf2 PA NAICOA Final Manual

Changed PagesRT1, RT2 Replacement PA NAICOA Rate Tables 12-

22-17 - Changed Pages.pdf3 PA NPCIC Final Manual

Changed PagesRT1. RT2 Replacement PA_PPA_NPCC 12-22-17

Rate Tables - ChangedPages.pdf







Pennsylvania Private Passenger Auto TOC Nationwide Mutual Insurance Company

© 2007-2017 Nationwide

Rating TablesTable of Contents

Rate Calculation TablesPrivate Passenger Auto Rate Calculation RC 1Gap (Loan/Lease) Premium Rate Calculation RC 2New Car Replacement Premium Rate Calculation RC 2Vehicle Value Upgrade Premium Rate Calculation RC 2Supplemental Vehicle Rate Calculation RC 3Named Non-Owner Rate Calculation RC 3Rating Territory Schedule TS 1Base Rates:Territory Base Rates: BI,PD,MDCL,LOI,AD,FUNRL,COMBL,COMP,COLL** RT 1Family Protection - Uninsured/ Underinsured Motorists Coverage Rates** RT 2Loss of Use Base Rates** RT 3Roadside Assistance Base Rates RT 3Towing and Labor Base Rates RT 3Excess Medical Benefit Base Rates** RT 3Additional Coverage for Sound, Picture and Data Devices RT 4Factors and Discounts:Nationwide Affinity Discount RT 4Nationwide Associate Discount RT 4Rate Plan Factor RT 5Tier Factor RT 5Farm Bureau Discount RT 6New Vehicle Discount RT 6OEM Loss Settlement Endorsement RT 6Vehicle Use Factor RT 6Household Composition Factor RT 7Anti-Theft Device Discount RT 7Driver Improvement Course Discount RT 7No Prior Insurance Surcharge RT 7Passive Occupant Restraint Discount RT 8Matrix Factor RT 8Intra-Agency Transfer Discount RT 9Long-Term Policyholder Discount RT 9Premier Intra-Agency Transfer Discount RT 9Advance Quote Discount RT 10New Business Homeownership Discount RT 10Home and Car Discount RT 10Auto Financial Discount RT 11Paperless Policy Discount RT 11Additional Coverage for Customization RT 11Vanishing Deductible RT 12Total Loss Deductible Waiver RT 12GAP (Loan/Lease) Coverage RT 13New Car Replacement Plus Coverage RT 13Vehicle Value Upgrade Coverage RT 13Limited Tort Option Reduction RT 13

Pennsylvania Private Passenger Auto TOC Nationwide Mutual Insurance Company



Rate Calculation TablesEasy Pay Sign-up Discount RT 14Preferred Bundle Discount RT 14Rate Stability RT 14Identity Theft or Identity Fraud Expense Coverage RT 14Driver Classification Factors - Adult RT 15Driver Classification Factors - Youthful RT 15Minor Violation Points RT 16Major Violation Points RT 16Applicable Additive Violation Surcharges RT 16Applicable Additive Accident Surcharges RT 16Accident Free Discount RT 17Safe Driver Discount RT 17Unverifiable Driver Record Surcharge RT 17Rate Symbols - Liability RT 18Rate Symbols - Physical Damage RT 19Model Year Factors RT 20Bodily Injury Limit Factors RT 21Property Damage Limit Factors RT 21Medical Benefits Limit Factors RT 22Combined Loss Benefit Limit Factors RT 22Accidental Death Benefit Limit Factors RT 22Income Loss Benefit Limit Factors RT 22Funeral Benefit Limit Factors RT 22Comprehensive Deductible Factors RT 23Collision Deductible Factors RT 23Expense Fees RT 23Miscellaneous Risks and Vehicles: Personal Effects Base Rates RT 24Trailer Base Rates--COMP and COLL RT 25Use of Other Automobile RT 26

Pennsylvania Private Passenger Auto RT 1 Nationwide Mutual Insurance Company


Territory Base Rates**Eff. 12-22-17

BI PD MDCL COMP COLL50/100 25,000 25,000 LOI AD FUNRL COMBL Full Cov. $100 Ded.

3 $168.80 $186.50 $206.60 $21.70 $9.50 $1.40 $280.20 $116.40 $256.9018 $192.60 $140.40 $223.80 $28.80 $9.80 $1.40 $333.00 $194.80 $277.3021 $277.40 $194.10 $278.20 $31.00 $9.50 $1.30 $362.60 $76.20 $262.2030 $165.60 $169.90 $192.70 $21.00 $9.50 $1.40 $386.10 $103.20 $275.8033 $220.70 $172.60 $261.10 $27.70 $9.50 $1.40 $377.60 $108.90 $263.8043 $174.80 $198.00 $229.00 $22.90 $9.60 $1.40 $329.20 $107.50 $280.9046 $227.00 $181.70 $278.60 $29.80 $9.50 $1.40 $501.90 $115.40 $265.2077 $223.50 $199.40 $258.60 $31.90 $9.50 $1.40 $357.50 $124.20 $296.6078 $207.70 $189.80 $218.70 $29.40 $9.50 $1.40 $351.60 $108.40 $264.3079 $217.70 $181.80 $231.90 $30.70 $9.50 $1.30 $359.50 $138.60 $283.4081 $206.40 $173.90 $238.10 $24.60 $9.70 $1.40 $322.60 $139.20 $276.3084 $185.20 $203.10 $192.90 $24.40 $9.50 $1.40 $321.00 $87.00 $247.8088 $239.30 $172.50 $240.80 $30.10 $9.50 $1.40 $372.80 $127.20 $271.3089 $242.20 $175.00 $258.20 $34.30 $9.50 $1.40 $403.00 $81.00 $264.3094 $215.90 $160.10 $197.60 $27.90 $9.50 $1.40 $322.60 $192.70 $271.20100 $222.10 $213.40 $222.30 $26.00 $9.60 $1.40 $325.50 $99.90 $298.80108 $170.90 $167.20 $158.50 $24.00 $9.50 $1.40 $263.80 $100.70 $239.40109 $178.20 $153.40 $166.90 $23.70 $9.50 $1.40 $274.40 $112.80 $238.10112 $221.60 $171.20 $238.40 $35.80 $9.50 $1.40 $427.80 $196.20 $345.70113 $252.20 $178.40 $362.70 $37.80 $9.50 $1.40 $504.70 $176.80 $317.20114 $279.00 $198.00 $372.60 $41.40 $9.60 $1.40 $485.30 $156.70 $359.00126 $470.90 $303.40 $520.40 $41.10 $9.50 $1.40 $698.80 $108.40 $373.10127 $392.40 $266.30 $384.60 $33.60 $9.50 $1.30 $605.20 $88.50 $307.70132 $204.10 $195.80 $223.00 $24.90 $9.50 $1.40 $310.00 $85.40 $304.60135 $185.40 $189.50 $218.00 $24.60 $9.50 $1.40 $335.90 $76.70 $245.40139 $353.20 $267.70 $344.00 $31.80 $9.50 $1.40 $560.50 $89.10 $324.20142 $577.00 $255.40 $745.70 $65.60 $9.60 $1.40 $1,238.40 $193.20 $385.00143 $724.30 $289.10 $924.20 $66.80 $9.50 $1.40 $1,359.00 $193.20 $413.40144 $618.00 $296.60 $745.80 $65.60 $9.50 $1.40 $1,226.80 $198.30 $427.10146 $663.20 $261.10 $947.50 $80.30 $9.50 $1.40 $1,319.70 $270.90 $503.00147 $731.00 $262.60 $814.90 $81.30 $9.50 $1.40 $1,398.10 $215.10 $444.50148 $610.20 $286.10 $745.80 $65.60 $9.50 $1.40 $1,473.10 $192.50 $374.00149 $678.30 $230.80 $864.10 $82.40 $9.50 $1.40 $1,324.80 $264.50 $476.90150 $658.60 $230.10 $788.90 $89.30 $9.50 $1.40 $1,210.00 $224.80 $421.70151 $680.70 $238.90 $797.40 $101.20 $9.50 $1.40 $1,432.00 $239.80 $458.50152 $729.70 $247.30 $874.10 $103.20 $9.50 $1.40 $1,341.70 $232.40 $428.20153 $696.60 $229.90 $992.20 $82.70 $9.50 $1.40 $1,320.60 $276.10 $518.60154 $194.30 $177.30 $192.40 $22.70 $9.40 $1.30 $298.10 $86.80 $254.10155 $181.10 $173.20 $192.70 $24.60 $9.50 $1.40 $290.10 $110.90 $288.00156 $178.90 $157.40 $234.20 $26.00 $9.90 $1.40 $291.30 $137.90 $271.80157 $177.20 $193.40 $206.90 $27.00 $9.50 $1.40 $280.70 $85.80 $257.90158 $181.00 $218.60 $302.60 $32.10 $9.50 $1.40 $330.60 $90.90 $301.60159 $178.90 $156.40 $188.70 $23.70 $9.80 $1.40 $280.30 $106.50 $246.80160 $197.70 $158.00 $196.20 $24.40 $9.50 $1.40 $284.20 $134.50 $276.50161 $182.70 $194.40 $168.60 $23.50 $9.50 $1.40 $289.70 $72.20 $223.90162 $209.60 $211.70 $226.40 $26.10 $9.50 $1.30 $340.50 $101.60 $269.00163 $182.40 $182.00 $187.30 $24.30 $9.50 $1.40 $286.50 $84.90 $242.30164 $201.90 $164.10 $257.20 $33.60 $9.50 $1.30 $434.00 $159.30 $269.40165 $203.00 $172.60 $263.00 $33.50 $9.50 $1.30 $434.00 $181.90 $293.50168 $254.10 $228.10 $264.20 $23.60 $9.60 $1.40 $379.40 $114.20 $334.50169 $284.60 $255.30 $253.80 $23.40 $9.50 $1.40 $401.30 $111.80 $334.50170 $299.50 $246.10 $292.50 $24.10 $9.50 $1.30 $397.20 $113.30 $334.70173 $183.10 $182.50 $163.50 $23.60 $9.50 $1.40 $249.80 $87.50 $267.30174 $210.90 $225.10 $273.50 $32.10 $9.50 $1.30 $404.50 $95.50 $314.80175 $218.50 $222.30 $230.10 $28.60 $9.50 $1.30 $364.70 $84.50 $277.30176 $234.70 $201.00 $234.20 $28.20 $9.50 $1.30 $360.80 $95.70 $260.30177 $214.50 $214.40 $232.40 $30.10 $9.50 $1.30 $370.30 $122.10 $312.50178 $226.50 $204.50 $229.20 $30.10 $9.50 $1.40 $362.40 $111.30 $284.70179 $196.20 $213.20 $223.80 $30.50 $9.50 $1.40 $360.70 $107.10 $293.90180 $181.80 $203.00 $209.90 $25.20 $9.50 $1.30 $348.00 $102.60 $259.80181 $386.90 $273.30 $393.70 $34.70 $9.50 $1.40 $554.70 $101.30 $360.70

Rating Territory




BI PD MDCL COMP COLL50/100 25,000 25,000 LOI AD FUNRL COMBL Full Cov. $100 Ded. Rating Territory

182 $450.10 $275.00 $494.20 $44.30 $9.50 $1.30 $672.00 $116.00 $358.90183 $440.30 $278.50 $455.90 $48.00 $9.50 $1.40 $744.40 $115.80 $339.30184 $366.60 $241.30 $382.70 $35.80 $9.50 $1.40 $522.40 $112.40 $317.00185 $311.00 $242.10 $293.80 $30.00 $9.50 $1.40 $483.50 $94.40 $357.40186 $326.20 $236.70 $299.20 $27.10 $9.50 $1.40 $471.10 $102.80 $315.00187 $331.90 $251.90 $341.80 $30.40 $9.50 $1.40 $497.70 $90.90 $294.60188 $307.20 $250.00 $324.70 $30.70 $9.50 $1.40 $494.80 $96.30 $299.50191 $206.90 $184.50 $255.50 $26.10 $9.90 $1.40 $345.00 $144.20 $311.80192 $184.90 $190.10 $210.50 $25.10 $9.50 $1.40 $345.00 $144.20 $277.20193 $205.50 $180.50 $214.00 $26.50 $9.50 $1.40 $345.00 $176.40 $302.30194 $213.10 $178.00 $252.60 $29.00 $9.50 $1.40 $365.60 $174.10 $272.40195 $460.20 $257.80 $531.30 $42.60 $9.50 $1.40 $764.60 $126.30 $405.60196 $378.30 $254.00 $382.90 $29.80 $9.50 $1.40 $540.60 $108.10 $338.20197 $385.00 $261.80 $360.50 $32.80 $9.50 $1.30 $552.30 $113.40 $350.30198 $469.80 $287.90 $447.00 $40.50 $9.50 $1.40 $742.40 $127.40 $366.20199 $500.10 $297.30 $549.10 $41.60 $9.60 $1.40 $764.20 $149.30 $413.80201 $402.10 $274.20 $334.30 $29.00 $9.50 $1.30 $533.20 $103.90 $345.40202 $242.90 $219.40 $255.90 $30.10 $9.50 $1.40 $371.60 $104.80 $277.60203 $221.10 $194.00 $231.40 $28.50 $9.50 $1.30 $369.70 $132.20 $256.60204 $240.30 $191.30 $247.10 $28.90 $9.50 $1.40 $365.60 $142.60 $302.20205 $213.50 $168.90 $224.20 $28.70 $9.60 $1.40 $365.60 $175.00 $252.60206 $196.40 $216.70 $242.20 $27.60 $9.50 $1.40 $369.50 $100.30 $297.10207 $197.70 $184.30 $221.60 $25.60 $9.50 $1.40 $402.20 $88.20 $257.40208 $205.20 $221.30 $226.70 $25.90 $9.50 $1.40 $373.10 $93.20 $278.10210 $205.20 $195.40 $249.80 $26.70 $9.50 $1.40 $337.90 $88.60 $272.10212 $210.90 $211.20 $237.70 $26.10 $9.50 $1.30 $344.80 $90.70 $277.90213 $375.00 $277.30 $386.10 $34.80 $9.50 $1.40 $553.00 $99.20 $347.60214 $285.10 $248.00 $289.80 $26.80 $9.50 $1.30 $461.30 $91.90 $299.70215 $203.40 $190.90 $221.60 $26.00 $9.50 $1.40 $348.10 $106.80 $269.20217 $209.30 $215.90 $238.30 $26.10 $9.70 $1.40 $359.60 $83.20 $260.60218 $203.10 $175.40 $213.60 $28.10 $9.80 $1.40 $360.00 $110.40 $296.60221 $216.60 $168.30 $264.20 $30.60 $9.50 $1.40 $408.20 $142.40 $264.60222 $220.00 $189.50 $280.50 $29.60 $9.50 $1.40 $398.20 $170.50 $321.30223 $211.80 $183.40 $248.60 $28.40 $9.50 $1.30 $405.10 $132.00 $283.90224 $208.10 $189.60 $233.00 $26.10 $9.50 $1.30 $390.10 $112.80 $277.70225 $211.70 $183.40 $248.40 $26.80 $9.50 $1.40 $405.10 $131.90 $283.90226 $218.90 $197.30 $231.40 $26.40 $9.50 $1.30 $397.20 $138.60 $267.20227 $211.70 $183.40 $248.40 $26.80 $9.50 $1.40 $405.10 $131.90 $283.90228 $190.10 $190.50 $223.80 $27.60 $9.50 $1.30 $344.60 $125.50 $263.10229 $175.00 $169.30 $209.20 $28.60 $9.70 $1.40 $344.30 $176.40 $268.80999 $258.60 $209.90 $281.10 $28.90 $9.50 $1.40 $386.30 $125.00 $295.50



Family Protection - Uninsured / Underinsured Motorists Coverage**Eff. 12-22-17

Semi-Annual Premium Per VehicleUninsured Motorist - STACKED

Territory / Limit

142-144, 146-153

126,181-184,195,

198,199, 213139,196, 197, 201

21,33,88,89,112, 113,114

127,168, 169,170, 185,186,

187,188, 214175,177, 178,179 ROS

15/30 $86.10 $30.90 $21.10 $11.70 $15.10 $10.10 $7.4020/30* $99.00 $35.80 $24.30 $13.30 $17.10 $11.60 $8.6020/40* $99.00 $35.80 $24.30 $13.30 $17.10 $11.60 $8.6025/50 $99.00 $35.80 $24.30 $13.30 $17.10 $11.60 $8.6030/60* $115.70 $41.80 $28.50 $15.80 $19.90 $13.40 $10.1040/80* $115.70 $41.80 $28.50 $15.80 $19.90 $13.40 $10.10

25/100* $115.70 $41.80 $28.50 $15.80 $19.90 $13.40 $10.1050/100 $115.70 $41.80 $28.50 $15.80 $19.90 $13.40 $10.10

100/100* $135.90 $49.00 $33.20 $18.70 $23.50 $16.00 $11.6050/200* $135.90 $49.00 $33.20 $18.70 $23.50 $16.00 $11.60

100/150* $135.90 $49.00 $33.20 $18.70 $23.50 $16.00 $11.60100/200* $135.90 $49.00 $33.20 $18.70 $23.50 $16.00 $11.60100/250* $135.90 $49.00 $33.20 $18.70 $23.50 $16.00 $11.60100/300 $135.90 $49.00 $33.20 $18.70 $23.50 $16.00 $11.60150/200* $144.70 $52.10 $35.40 $19.40 $25.00 $17.00 $12.50200/200* $144.70 $52.10 $35.40 $19.40 $25.00 $17.00 $12.50150/250* $144.70 $52.10 $35.40 $19.40 $25.00 $17.00 $12.50200/250* $144.70 $52.10 $35.40 $19.40 $25.00 $17.00 $12.50250/250* $144.70 $52.10 $35.40 $19.40 $25.00 $17.00 $12.50150/300* $144.70 $52.10 $35.40 $19.40 $25.00 $17.00 $12.50200/300* $144.70 $52.10 $35.40 $19.40 $25.00 $17.00 $12.50250/300* $144.70 $52.10 $35.40 $19.40 $25.00 $17.00 $12.50300/300 $144.70 $52.10 $35.40 $19.40 $25.00 $17.00 $12.50100/400* $149.60 $54.00 $36.60 $20.40 $25.80 $17.40 $12.90150/400* $149.60 $54.00 $36.60 $20.40 $25.80 $17.40 $12.90200/400* $149.60 $54.00 $36.60 $20.40 $25.80 $17.40 $12.90250/400* $149.60 $54.00 $36.60 $20.40 $25.80 $17.40 $12.90100/500* $149.60 $54.00 $36.60 $20.40 $25.80 $17.40 $12.90150/500* $149.60 $54.00 $36.60 $20.40 $25.80 $17.40 $12.90200/500* $149.60 $54.00 $36.60 $20.40 $25.80 $17.40 $12.90250/500 $149.60 $54.00 $36.60 $20.40 $25.80 $17.40 $12.90300/400* $150.70 $54.40 $36.80 $20.80 $26.00 $17.60 $13.00300/500* $150.70 $54.40 $36.80 $20.80 $26.00 $17.60 $13.00400/400* $154.90 $55.70 $37.80 $21.20 $26.90 $18.10 $13.40400/500* $154.90 $55.70 $37.80 $21.20 $26.90 $18.10 $13.40500/500 $154.90 $55.70 $37.80 $21.20 $26.90 $18.10 $13.40200/750* $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.90250/750* $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.90300/750* $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.90400/750* $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.90500/750* $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.90

250/1000* $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.90300/1000* $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.90400/1000* $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.90500/1000* $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.901000/1000 $162.30 $58.30 $39.90 $22.20 $28.10 $19.10 $13.90

* Available only to policies that had selected them prior to 12/22/2014




Semi-Annual Premium Per VehicleUnderinsured Motorist - STACKED

Territory / Limit

142-144, 146-153

126,181-184,195,

198,199, 213139,196, 197, 201

21,33,88,89,112, 113,114

127,168, 169,170, 185,186,

187,188, 214175,177, 178,179 ROS

15/30 $96.60 $59.70 $46.10 $40.60 $31.60 $25.60 $24.1020/30* $135.20 $83.50 $64.50 $59.20 $44.30 $36.00 $33.6020/40* $135.20 $83.50 $64.50 $59.20 $44.30 $36.00 $33.6025/50 $135.20 $83.50 $64.50 $59.20 $44.30 $36.00 $33.6030/60* $199.10 $122.70 $95.00 $92.80 $65.10 $55.30 $49.5040/80* $199.10 $122.70 $95.00 $92.80 $65.10 $55.30 $49.50

25/100* $199.10 $122.70 $95.00 $92.80 $65.10 $55.30 $49.5050/100 $199.10 $122.70 $95.00 $92.80 $65.10 $55.30 $49.50

100/100* $310.80 $191.90 $148.00 $157.90 $101.90 $90.40 $77.4050/200* $310.80 $191.90 $148.00 $157.90 $101.90 $90.40 $77.40

100/150* $310.80 $191.90 $148.00 $157.90 $101.90 $90.40 $77.40100/200* $310.80 $191.90 $148.00 $157.90 $101.90 $90.40 $77.40100/250* $310.80 $191.90 $148.00 $157.90 $101.90 $90.40 $77.40100/300 $310.80 $191.90 $148.00 $157.90 $101.90 $90.40 $77.40150/200* $364.60 $225.20 $173.90 $192.30 $119.50 $108.50 $90.80200/200* $364.60 $225.20 $173.90 $192.30 $119.50 $108.50 $90.80150/250* $364.60 $225.20 $173.90 $192.30 $119.50 $108.50 $90.80200/250* $364.60 $225.20 $173.90 $192.30 $119.50 $108.50 $90.80250/250* $364.60 $225.20 $173.90 $192.30 $119.50 $108.50 $90.80150/300* $364.60 $225.20 $173.90 $192.30 $119.50 $108.50 $90.80200/300* $364.60 $225.20 $173.90 $192.30 $119.50 $108.50 $90.80250/300* $364.60 $225.20 $173.90 $192.30 $119.50 $108.50 $90.80300/300 $364.60 $225.20 $173.90 $192.30 $119.50 $108.50 $90.80100/400* $394.10 $243.40 $187.90 $213.30 $129.30 $118.40 $98.20150/400* $394.10 $243.40 $187.90 $213.30 $129.30 $118.40 $98.20200/400* $394.10 $243.40 $187.90 $213.30 $129.30 $118.40 $98.20250/400* $394.10 $243.40 $187.90 $213.30 $129.30 $118.40 $98.20100/500* $394.10 $243.40 $187.90 $213.30 $129.30 $118.40 $98.20150/500* $394.10 $243.40 $187.90 $213.30 $129.30 $118.40 $98.20200/500* $394.10 $243.40 $187.90 $213.30 $129.30 $118.40 $98.20250/500 $394.10 $243.40 $187.90 $213.30 $129.30 $118.40 $98.20300/400* $403.20 $249.20 $192.30 $218.60 $132.20 $121.30 $100.40300/500* $403.20 $249.20 $192.30 $218.60 $132.20 $121.30 $100.40400/400* $432.60 $267.40 $206.40 $239.50 $142.00 $131.20 $107.70400/500* $432.60 $267.40 $206.40 $239.50 $142.00 $131.20 $107.70500/500 $432.60 $267.40 $206.40 $239.50 $142.00 $131.20 $107.70200/750* $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.40250/750* $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.40300/750* $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.40400/750* $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.40500/750* $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.40

250/1000* $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.40300/1000* $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.40400/1000* $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.40500/1000* $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.401000/1000 $485.20 $299.70 $231.20 $275.70 $159.00 $149.40 $120.40





Semi-Annual Premium Per VehicleUninsured Motorist - UNSTACKED

Territory / Limit

142-144, 146-153

126,181-184,195,

198,199, 213139,196, 197, 201

21,33,88,89,112, 113,114

127,168, 169,170, 185,186,

187,188, 214175,177, 178,179 ROS

15/30 $63.10 $22.60 $15.50 $8.80 $10.90 $7.40 $5.4020/30* $74.40 $26.80 $18.30 $10.20 $12.90 $8.60 $6.4020/40* $74.40 $26.80 $18.30 $10.20 $12.90 $8.60 $6.4025/50 $74.40 $26.80 $18.30 $10.20 $12.90 $8.60 $6.4030/60* $89.20 $32.20 $22.00 $11.90 $15.50 $10.30 $7.6040/80* $89.20 $32.20 $22.00 $11.90 $15.50 $10.30 $7.60

25/100* $89.20 $32.20 $22.00 $11.90 $15.50 $10.30 $7.6050/100 $89.20 $32.20 $22.00 $11.90 $15.50 $10.30 $7.60

100/100* $108.20 $39.00 $26.70 $14.80 $18.70 $12.70 $9.4050/200* $108.20 $39.00 $26.70 $14.80 $18.70 $12.70 $9.40

100/150* $108.20 $39.00 $26.70 $14.80 $18.70 $12.70 $9.40100/200* $108.20 $39.00 $26.70 $14.80 $18.70 $12.70 $9.40100/250* $108.20 $39.00 $26.70 $14.80 $18.70 $12.70 $9.40100/300 $108.20 $39.00 $26.70 $14.80 $18.70 $12.70 $9.40150/200* $115.40 $41.50 $28.50 $15.40 $19.90 $13.40 $9.90200/200* $115.40 $41.50 $28.50 $15.40 $19.90 $13.40 $9.90150/250* $115.40 $41.50 $28.50 $15.40 $19.90 $13.40 $9.90200/250* $115.40 $41.50 $28.50 $15.40 $19.90 $13.40 $9.90250/250* $115.40 $41.50 $28.50 $15.40 $19.90 $13.40 $9.90150/300* $115.40 $41.50 $28.50 $15.40 $19.90 $13.40 $9.90200/300* $115.40 $41.50 $28.50 $15.40 $19.90 $13.40 $9.90250/300* $115.40 $41.50 $28.50 $15.40 $19.90 $13.40 $9.90300/300 $115.40 $41.50 $28.50 $15.40 $19.90 $13.40 $9.90100/400* $119.40 $42.90 $29.40 $16.40 $20.60 $13.90 $10.20150/400* $119.40 $42.90 $29.40 $16.40 $20.60 $13.90 $10.20200/400* $119.40 $42.90 $29.40 $16.40 $20.60 $13.90 $10.20250/400* $119.40 $42.90 $29.40 $16.40 $20.60 $13.90 $10.20100/500* $119.40 $42.90 $29.40 $16.40 $20.60 $13.90 $10.20150/500* $119.40 $42.90 $29.40 $16.40 $20.60 $13.90 $10.20200/500* $119.40 $42.90 $29.40 $16.40 $20.60 $13.90 $10.20250/500 $119.40 $42.90 $29.40 $16.40 $20.60 $13.90 $10.20300/400* $120.30 $43.10 $29.60 $16.50 $20.90 $14.00 $10.30300/500* $120.30 $43.10 $29.60 $16.50 $20.90 $14.00 $10.30400/400* $123.60 $44.50 $30.30 $16.80 $21.50 $14.30 $10.70400/500* $123.60 $44.50 $30.30 $16.80 $21.50 $14.30 $10.70500/500 $123.60 $44.50 $30.30 $16.80 $21.50 $14.30 $10.70200/750* $129.50 $46.50 $32.00 $17.60 $22.30 $15.50 $11.30250/750* $129.50 $46.50 $32.00 $17.60 $22.30 $15.50 $11.30300/750* $129.50 $46.50 $32.00 $17.60 $22.30 $15.50 $11.30400/750* $129.50 $46.50 $32.00 $17.60 $22.30 $15.50 $11.30500/750* $129.50 $46.50 $32.00 $17.60 $22.30 $15.50 $11.30

250/1000* $129.50 $46.50 $32.00 $17.60 $22.30 $15.50 $11.30300/1000* $129.50 $46.50 $32.00 $17.60 $22.30 $15.50 $11.30400/1000* $129.50 $46.50 $32.00 $17.60 $22.30 $15.50 $11.30500/1000* $129.50 $46.50 $32.00 $17.60 $22.30 $15.50 $11.301000/1000 $133.70 $48.20 $33.00 $18.10 $23.30 $15.70 $11.50





Semi-Annual Premium Per VehicleUnderinsured Motorist - UNSTACKED

Territory / Limit

142-144, 146-153

126,181-184,195,

198,199, 213139,196, 197, 201

21,33,88,89,112, 113,114

127,168, 169,170, 185,186,

187,188, 214175,177, 178,179 ROS

15/30 $54.50 $33.70 $25.90 $23.00 $17.80 $14.40 $13.5020/30* $79.90 $49.20 $38.00 $34.80 $26.00 $21.20 $19.9020/40* $79.90 $49.20 $38.00 $34.80 $26.00 $21.20 $19.9025/50 $79.90 $49.20 $38.00 $34.80 $26.00 $21.20 $19.9030/60* $124.00 $76.40 $59.00 $58.10 $40.80 $34.40 $30.7040/80* $124.00 $76.40 $59.00 $58.10 $40.80 $34.40 $30.70

25/100* $124.00 $76.40 $59.00 $58.10 $40.80 $34.40 $30.7050/100 $124.00 $76.40 $59.00 $58.10 $40.80 $34.40 $30.70

100/100* $202.20 $124.60 $96.20 $102.60 $66.40 $58.70 $50.1050/200* $202.20 $124.60 $96.20 $102.60 $66.40 $58.70 $50.10

100/150* $202.20 $124.60 $96.20 $102.60 $66.40 $58.70 $50.10100/200* $202.20 $124.60 $96.20 $102.60 $66.40 $58.70 $50.10100/250* $202.20 $124.60 $96.20 $102.60 $66.40 $58.70 $50.10100/300 $202.20 $124.60 $96.20 $102.60 $66.40 $58.70 $50.10150/200* $236.80 $146.00 $113.00 $125.00 $78.00 $70.30 $58.80200/200* $236.80 $146.00 $113.00 $125.00 $78.00 $70.30 $58.80150/250* $236.80 $146.00 $113.00 $125.00 $78.00 $70.30 $58.80200/250* $236.80 $146.00 $113.00 $125.00 $78.00 $70.30 $58.80250/250* $236.80 $146.00 $113.00 $125.00 $78.00 $70.30 $58.80150/300* $236.80 $146.00 $113.00 $125.00 $78.00 $70.30 $58.80200/300* $236.80 $146.00 $113.00 $125.00 $78.00 $70.30 $58.80250/300* $236.80 $146.00 $113.00 $125.00 $78.00 $70.30 $58.80300/300 $236.80 $146.00 $113.00 $125.00 $78.00 $70.30 $58.80100/400* $256.00 $157.90 $122.20 $138.40 $84.00 $76.60 $63.30150/400* $256.00 $157.90 $122.20 $138.40 $84.00 $76.60 $63.30200/400* $256.00 $157.90 $122.20 $138.40 $84.00 $76.60 $63.30250/400* $256.00 $157.90 $122.20 $138.40 $84.00 $76.60 $63.30100/500* $256.00 $157.90 $122.20 $138.40 $84.00 $76.60 $63.30150/500* $256.00 $157.90 $122.20 $138.40 $84.00 $76.60 $63.30200/500* $256.00 $157.90 $122.20 $138.40 $84.00 $76.60 $63.30250/500 $256.00 $157.90 $122.20 $138.40 $84.00 $76.60 $63.30300/400* $261.90 $161.50 $124.80 $142.00 $86.00 $79.00 $65.10300/500* $261.90 $161.50 $124.80 $142.00 $86.00 $79.00 $65.10400/400* $281.10 $173.30 $134.00 $155.50 $92.50 $85.10 $69.70400/500* $281.10 $173.30 $134.00 $155.50 $92.50 $85.10 $69.70500/500 $281.10 $173.30 $134.00 $155.50 $92.50 $85.10 $69.70200/750* $314.90 $194.70 $150.30 $179.20 $103.60 $97.20 $78.10250/750* $314.90 $194.70 $150.30 $179.20 $103.60 $97.20 $78.10300/750* $314.90 $194.70 $150.30 $179.20 $103.60 $97.20 $78.10400/750* $314.90 $194.70 $150.30 $179.20 $103.60 $97.20 $78.10500/750* $314.90 $194.70 $150.30 $179.20 $103.60 $97.20 $78.10

250/1000* $314.90 $194.70 $150.30 $179.20 $103.60 $97.20 $78.10300/1000* $314.90 $194.70 $150.30 $179.20 $103.60 $97.20 $78.10400/1000* $314.90 $194.70 $150.30 $179.20 $103.60 $97.20 $78.10500/1000* $314.90 $194.70 $150.30 $179.20 $103.60 $97.20 $78.101000/1000 $354.30 $218.70 $168.90 $201.70 $116.30 $108.50 $88.10




LOU Base Rates**Eff. 12-22-17

Rental Limit per Day Aggregate Limit Base Rate30 900 $22.3040 1,200 $28.9050 1,500 $35.4060 1,800 $42.0075 2,250 $51.20100 3,000 $64.90

RSA Base RatesEff. 06-22-16

CoverageBasic $11.00Plus $21.00

TL Base RateEff. 06-22-16

Limit Base Rate50 $1.40

EXMDCL Base Rate**Eff. 12-22-17

Aggregate Per Claimant Limit

Limit Per Person Per Year Base Rate

$1M $50,000 $19.80

Pennsylvania Private Passenger Auto TOC Nationwide Affinity Insurance Company of America

© 2007-2017, Nationwide


Rate Calculation TablesPrivate Passenger Auto Rate Calculation RC 1Gap (Loan/Lease) Premium Rate Calculation RC 2New Car Replacement Premium Rate Calculation RC 2Vehicle Value Upgrade Premium Rate Calculation RC 2Supplemental Vehicle Rate Calculation RC 3Named Non-Owner Rate Calculation RC 3Rating Territory Schedule TS 1Base Rates:Territory Base Rates: BI,PD,MDCL,LOI,AD,FUNRL,COMBL,COMP,COLL, UMBI, UIMBI** RT 1Loss of Use Base Rates** RT 2Roadside Assistance Base Rates RT 2Towing and Labor Base Rates RT 2Excess Medical Benefit Base Rates** RT 2Additional Coverage for Sound, Picture and Data Devices RT 2Factors and Discounts:Nationwide Affinity Discount RT 3Nationwide Associate Discount RT 3Tier Factor RT 4Farm Bureau Discount RT 5New Vehicle Discount RT 5OEM Loss Settlement Endorsement RT 5Vehicle Use Factor RT 5Household Composition Factor RT 6Anti-Theft Device Discount RT 7Driver Improvement Course Discount RT 7No Prior Insurance Surcharge RT 7Passive Occupant Restraint Discount RT 8Matrix Factor RT 8Terms with Prior Carrier Factors RT 8Select Rating Factor RT 9Prior Nationwide Non-Standard Auto Factor RT 10Premier Intra-Agency Transfer Discount RT 10Advance Quote Discount RT 10New Business Homeownership Discount RT 10Home and Car Discount RT 10Auto Financial Discount RT 11Paperless Policy Discount RT 11Accident Forgiveness RT 11Additional Coverage for Customization RT 11Vanishing Deductible Credit RT 12Total Loss Deductible Waiver RT 12GAP (Loan/Lease) Coverage RT 13New Car Replacement Plus Coverage RT 13Vehicle Value Upgrade Coverage RT 13Limited Tort Option Reduction RT 13Easy Pay Sign-up Discount RT 14Preferred Discount RT 14Preferred Bundle Discount RT 14Rate Stability RT 14Identity Theft or Identity Fraud Expense Coverage RT 14Driver Classification Factors - Adult RT 15

Pennsylvania Private Passenger Auto TOC Nationwide Affinity Insurance Company of America



Rate Calculation TablesDriver Classification Factors - Youthful RT 16Violation Surcharges RT 17Additional Violations Additive RT 18Violations Time Since Factor RT 18Chargeable Accidents Additive RT 18Accidents Time Since Factor RT 18Accident Free Discount RT 19Safe Driver Discount RT 19Unverifiable Driver Record Surcharge RT 19Rate Symbols - Liability RT 20Rate Symbols - Physical Damage RT 21Model Year Factors RT 22Bodily Injury Limit Factors RT 23Property Damage Limit Factors RT 23Uninsured/ Underinsured Motorists Coverage Limit Factors RT 23Medical Benefits Limit Factors RT 24Combined Loss Benefit Limit Factor RT 24Accidental Death Benefit Limit Factor RT 24Income Loss Benefit Limit Factor RT 24Funeral Benefit Limit Factor RT 24Comprehensive Deductible Factors RT 25Collision Deductible Factors RT 25Expense Fees RT 25Miscellaneous Risks and Vehicles: Miscellaneous Vehicles Base Rate Adjustment Factors-- NNO RT 26Personal Effects Base Rates RT 26Trailer Base Rates--COMP and COLL RT 27Use of Other Automobile RT 28

Pennsylvania Private Passenger Auto RT 1 Nationwide Affinity Insurance Company of America



BI PD MDCL MDCLRating BI Rating PD Rating MDCL Rating

Territory 50/100 Territory 25,000 Territory 25,000 Territory LOI001 $298.10 001 $204.60 001 $335.20 001 $28.10002 310.10 002 215.80 002 361.20 002 30.60003 319.50 003 221.50 003 416.50 003 35.40004 324.30 004 229.70 004 437.00 004 36.90005 334.30 005 233.60 005 442.70 005 37.30006 336.80 006 238.10 006 448.40 006 37.80007 339.50 007 247.50 007 482.90 007 40.80008 344.20 008 251.30 008 485.80 008 40.90009 346.30 009 253.60 009 507.40 009 42.80010 349.20 010 259.10 010 502.70 010 42.50011 373.40 011 259.80 011 514.90 011 43.50012 375.50 012 263.90 012 518.20 012 43.70013 387.50 013 266.80 013 549.80 013 46.60014 436.30 014 272.30 014 569.80 014 47.80015 460.30 015 292.40 015 658.40 015 55.60016 462.90 016 298.00 016 701.20 016 59.20017 523.30 017 300.10 017 670.80 017 56.60018 562.20 018 313.50 018 767.10 018 64.70019 579.20 019 321.10 019 759.10 019 64.40020 710.20 020 326.70 020 803.10 020 67.80021 919.20 021 337.80 021 884.40 021 74.50022 937.50 022 347.90 022 1,418.40 022 120.00023 1,073.50 023 361.60 023 1,650.90 023 139.50024 1,114.80 024 400.50 024 1,660.00 024 140.30025 1,151.50 025 388.20 025 1,729.60 025 146.10999 435.10 026 401.50 999 569.00 999 47.80

999 273.20




MDCL MDCL MDCLRating Rating Rating

Territory AD Territory FUNRL Territory COMBL001 $8.20 001 $1.50 001 $446.90002 9.20 002 1.70 002 480.60003 10.20 003 1.90 003 554.10004 10.50 004 1.90 004 582.00005 10.60 005 1.90 005 589.20006 10.60 006 1.90 006 596.80007 12.00 007 1.90 007 643.20008 12.10 008 2.00 008 646.90009 12.50 009 2.00 009 675.00010 12.40 010 2.00 010 669.70011 12.60 011 2.00 011 685.40012 12.80 012 2.00 012 689.20013 13.30 013 2.10 013 731.30014 14.00 014 2.20 014 758.00015 16.10 015 2.70 015 876.40016 17.30 016 2.80 016 933.10017 16.60 017 2.70 017 893.20018 18.90 018 3.10 018 1,021.10019 18.80 019 3.10 019 1,010.20020 19.80 020 3.10 020 1,068.40021 21.70 021 3.40 021 1,177.20022 34.90 022 5.50 022 1,887.70023 40.50 023 6.60 023 2,197.00024 40.60 024 6.70 024 2,209.10025 42.50 025 7.10 025 2,301.70999 14.00 999 2.20 999 757.30




COMP COLL UMC UMBI UMC UIMBIRating COMP Rating COLL Rating 50/100 Rating 50/100

Territory Full Cov. Territory $100 Ded. Territory Unstacked Territory Unstacked001 $100.80 001 $300.50 001 $14.90 001 $81.00002 107.90 002 311.60 002 15.10 002 77.10003 110.60 003 319.00 003 14.60 003 70.40004 118.00 004 327.60 004 14.90 004 73.40005 128.10 005 328.80 005 14.60 005 68.70006 134.30 006 330.40 006 28.10 006 106.10007 132.00 007 337.30 007 14.60 007 63.30008 141.70 008 334.50 008 16.80 008 71.00009 139.30 009 340.70 009 15.10 009 81.40010 145.00 010 342.20 010 20.60 010 68.50011 151.70 011 352.30 011 40.70 011 129.40012 163.00 012 350.50 012 61.70 012 184.20013 152.90 013 356.30 013 27.40 013 81.40014 160.70 014 359.80 014 15.10 014 70.60015 171.30 015 376.00 015 23.50 015 153.70016 166.00 016 376.60 016 21.30 016 113.90017 186.70 017 389.50 017 23.50 017 113.90018 210.00 018 397.70 018 23.50 018 113.90019 197.80 019 398.60 019 159.40 019 326.90020 222.80 020 425.30 020 17.70 020 89.80021 236.50 021 428.30 021 20.40 021 107.20022 240.30 022 432.00 022 14.90 022 74.30023 235.70 023 454.00 023 14.90 023 78.20024 246.30 024 463.40 024 14.90 024 67.70025 250.20 025 415.20 025 29.10 025 105.00026 207.10 026 465.00 026 37.60 026 127.10027 225.20 027 443.10 027 57.70 027 172.30028 263.30 028 489.60 028 22.10 028 113.90029 225.20 029 504.90 999 26.80 999 96.70030 242.50 030 542.00031 269.90 031 526.40032 251.50 032 576.40033 316.10 033 559.10034 297.40 999 368.30035 259.30036 301.70037 315.60038 316.80999 155.60




Rental Limit per Day Aggregate Limit Base Rate30 900 $35.1040 1,200 $45.5050 1,500 $55.8060 1,800 $65.9075 2,250 $78.90100 3,000 $101.90

Roadside Assistance Base RatesEff. 12-22-15

Coverage RateBasic $11.00Plus $21.00

TL Base RateEff 12-22-15

Limit Base Rate50 $2.00



Limit Per Person Per Year Base Rate

$1M $50,000 $26.70

Additional Coverage for Sound, Picture and Data Devices

Limit

Vehicles without OEM Loss Settlement

Provision

Vehicles with OEM Loss Settlement

Provision500 $14.30 $17.201000 $28.60 $34.301500 $42.90 $51.502000 $57.20 $68.602500 $71.50 $85.803000 $85.80 $102.903500 $100.10 $120.104000 $114.40 $137.304500 $128.70 $154.405000 $143.00 $171.60

Pennsylvania Private Passenger Auto TOC Nationwide Property and Casualty Insurance Company



Rate Calculation TablesPrivate Passenger Auto Rate Calculation RC 1Gap (Loan/Lease) Premium Rate Calculation RC 2New Car Replacement Premium Rate Calculation RC 2Vehicle Value Upgrade Premium Rate Calculation RC 2Supplemental Vehicle Rate Calculation RC 3Rating Territory Schedule TS 1Base Rates:Territory Base Rates: BI,PD,MDCL,LOI,AD,FUNRL,COMBL,COMP,COLL, UMBI, UIMBI** RT 1Loss of Use Base Rates** RT 2Roadside Assistance Base Rates RT 2Excess Medical Benefit Base Rates** RT 2Additional Coverage for Sound, Picture and Data Devices RT 2Factors and Discounts:Primary Tier Factor RT 4Nationwide Affinity Discount RT 3Nationwide Associate Discount RT 3Secondary Tier Factor RT 4Farm Bureau Discount RT 5New Vehicle Discount RT 5OEM Loss Settlement Endorsement RT 5Vehicle Use Factor RT 5Household Composition Factor RT 6Anti-Theft Device Discount RT 7Driver Improvement Course Discount RT 7No Prior Insurance Surcharge RT 7Passive Occupant Restraint Discount RT 8Matrix Factor RT 8Select Rating Factor RT 9Prior Nationwide Non-Standard Auto Factor RT 10Premier Intra-Agency Transfer Discount RT 10Advance Quote Discount RT 10New Business Homeownership Discount RT 10Home and Car Discount RT 10Auto Financial Discount RT 11SmartRide Program RT 11Paperless Policy Discount RT 12Accident Forgiveness RT 12Additional Coverage for Customization RT 12Vanishing Deductible Credit RT 13Total Loss Deductible Waiver RT 13GAP (Loan/Lease) Coverage RT 14New Car Replacement Plus Coverage RT 14Vehicle Value Upgrade Coverage RT 14Limited Tort Option Reduction RT 14Easy Pay Sign-up Discount RT 15Preferred Discount RT 15Preferred Bundle Discount RT 15Rate Stability RT 15Identity Theft or Identity Fraud Expense Coverage RT 15Driver Classification Factors - Adult RT 16Driver Classification Factors - Youthful RT 17

Pennsylvania Private Passenger Auto TOC Nationwide Property and Casualty Insurance Company



Rate Calculation TablesViolation Surcharges RT 18Additional Violations Additive RT 19Violations Time Since Factor RT 19Chargeable Accidents Additive RT 19Accidents Time Since Factor RT 19Accident Free Discount RT 20Safe Driver Discount RT 20Unverifiable Driver Record Surcharge RT 20Rate Symbols - Liability RT 21Rate Symbols - Physical Damage RT 22Model Year Factors RT 23Bodily Injury Limit Factors RT 24Property Damage Limit Factors RT 24Uninsured/ Underinsured Motorists Coverage Limit Factors RT 24Medical Benefits Limit Factors RT 25Combined Loss Benefit Limit Factor RT 25Accidental Death Benefit Limit Factor RT 25Income Loss Benefit Limit Factor RT 25Funeral Benefit Limit Factor RT 25Comprehensive Deductible Factors RT 26Collision Deductible Factors RT 26Expense Fees RT 26Miscellaneous Risks and Vehicles: Personal Effects Base Rates RT 27Trailer Base Rates--COMP and COLL RT 28Use of Other Automobile RT 29

Pennsylvania Private Passenger Auto RT 1 Nationwide Property and Casualty Insurance Company



BI PD MDCL MDCLRating BI Rating PD Rating MDCL Rating

Territory 50/100 Territory 25,000 Territory 25,000 Territory LOI001 $239.50 001 $159.30 001 $259.70 001 $23.20002 216.50 002 176.50 002 316.70 002 25.30003 223.10 003 187.80 003 322.80 003 31.80004 226.50 004 190.90 004 336.80 004 31.40005 233.30 005 194.60 005 342.90 005 31.40006 251.30 006 197.00 006 347.40 006 32.30007 244.20 007 213.30 007 384.50 007 33.10008 240.30 008 200.00 008 376.50 008 34.90009 257.50 009 197.10 009 397.30 009 37.10010 280.70 010 201.20 010 392.50 010 34.70011 260.80 011 225.90 011 451.60 011 38.20012 301.60 012 206.10 012 454.30 012 36.00013 311.20 013 207.40 013 425.70 013 39.30014 338.40 014 211.60 014 441.60 014 41.40015 321.00 015 228.10 015 491.90 015 44.60016 325.10 016 231.30 016 524.00 016 49.30017 365.30 017 233.20 017 583.10 017 49.90018 392.40 018 243.40 018 594.30 018 54.20019 404.40 019 249.30 019 599.60 019 51.70020 495.70 020 253.80 020 615.20 020 56.60021 636.70 021 267.50 021 685.10 021 61.40022 643.00 022 281.90 022 1,060.10 022 99.20023 734.40 023 290.70 023 1,238.30 023 113.60024 823.70 024 300.50 024 1,398.80 024 113.20025 787.90 025 291.20 025 1,467.30 025 125.90999 350.00 026 301.10 999 498.80 999 40.00

999 224.30




MDCL MDCL MDCL COMPRating Rating Rating Rating COMP

Territory AD Territory FUNRL Territory COMBL Territory Full Cov. 001 $7.10 001 $1.10 001 $378.90 001 $73.30002 8.00 002 1.20 002 393.70 002 77.40003 8.60 003 1.40 003 453.90 003 80.30004 9.00 004 1.50 004 480.80 004 86.50005 9.10 005 1.50 005 477.00 005 92.10006 9.10 006 1.50 006 514.10 006 100.00007 10.10 007 1.50 007 525.10 007 94.60008 10.20 008 1.60 008 527.50 008 101.80009 10.50 009 1.60 009 563.60 009 100.60010 10.40 010 1.60 010 592.40 010 106.80011 10.50 011 1.60 011 560.90 011 122.20012 10.60 012 1.60 012 568.00 012 112.20013 11.30 013 1.60 013 595.20 013 111.70014 11.60 014 2.00 014 607.60 014 121.40015 13.60 015 2.30 015 791.10 015 124.60016 14.40 016 2.40 016 768.90 016 133.00017 13.90 017 2.30 017 737.80 017 145.30018 16.30 018 2.70 018 848.00 018 153.40019 15.60 019 2.70 019 856.40 019 159.40020 16.60 020 2.70 020 884.10 020 165.70021 18.00 021 2.80 021 974.30 021 166.80022 29.10 022 4.60 022 1,564.50 022 167.40023 33.90 023 5.60 023 1,820.70 023 172.70024 34.10 024 5.80 024 1,834.80 024 199.20025 35.40 025 6.10 025 2,039.40 025 189.50999 12.80 999 2.10 999 629.10 026 142.60

027 155.10028 190.40029 155.00030 166.80031 185.70032 203.00033 217.40034 205.00035 193.40036 226.20037 242.10038 248.60999 115.20




COLL UMC UMBI UMC UIMBIRating COLL Rating 50/100 Rating 50/100

Territory $100 Ded. Territory Unstacked Territory Unstacked001 $254.40 001 $14.40 001 $63.20002 278.90 002 14.50 002 56.20003 276.80 003 14.20 003 56.00004 277.10 004 14.40 004 53.70005 282.00 005 13.60 005 52.80006 307.70 006 22.80 006 76.50007 295.10 007 13.20 007 46.70008 290.30 008 15.90 008 51.70009 305.40 009 14.60 009 62.90010 297.00 010 16.90 010 50.60011 302.30 011 35.00 011 95.60012 303.80 012 55.70 012 137.50013 308.80 013 22.40 013 60.60014 312.00 014 14.60 014 52.10015 309.70 015 19.10 015 103.90016 328.80 016 17.30 016 77.00017 335.50 017 19.10 017 77.00018 342.20 018 19.10 018 77.00019 346.00 019 133.00 019 230.20020 369.20 020 14.70 020 60.70021 366.70 021 16.60 021 72.50022 356.10 022 14.40 022 51.10023 394.00 023 14.40 023 55.10024 401.80 024 13.50 024 50.30025 339.10 025 24.10 025 77.70026 382.20 026 30.50 026 94.80027 424.50 027 46.90 027 130.00028 424.90 028 18.10 028 77.00029 424.90 999 25.60 999 76.90030 496.90031 504.30032 544.20033 534.30999 352.60




Rental Limit per Day Aggregate Limit Base Rate30 900 $35.3040 1,200 $45.7050 1,500 $56.1060 1,800 $66.2075 2,250 $81.30

100 3,000 $104.80

Roadside Assistance Base RatesEff. 12-22-15

Coverage Base RateBasic $11.00Plus $21.00



* Limit Per Person Per Year Base Rate

$1M $50,000 $22.20* This limitation does not apply during the first 18 months of eligibility.

Additional Coverage for Sound, Picture and Data Devices

Limit

Vehicles without OEM Loss Settlement

Provision

Vehicles with OEM Loss Settlement

Provision500 $14.30 $17.201000 $28.60 $34.301500 $42.90 $51.502000 $57.20 $68.602500 $71.50 $85.803000 $85.80 $102.903500 $100.10 $120.104000 $114.40 $137.304500 $128.70 $154.405000 $143.00 $171.60

Supporting Document Schedules Bypassed - Item: Authorization to File (PC)Bypass Reason: N/AAttachment(s):Item Status:Status Date:

Satisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments: Please see attached

Attachment(s):

PA FilingMemorandum 12-22-17 NMIC, NAICOA, NPCIC.pdfPA Filing Exhibits (NMIC, NAICOA, NPCIC).pdfPA Filing Exhibits (NMIC, NAICOA, NPCIC).xlsPARetFiling NMIC.pdfPARetFiling NAICOA.pdfPARetFiling NPCIC.pdf

Item Status:Status Date:

Satisfied - Item: Supplemental Data (per Pa.B.Doc.No. 13-1417)Comments: Please see attached

Attachment(s):

Supplemental Data Memo and Exhibits - NMIC.pdfSupplemental Data Memo and Exhibits - NAICOA.pdfSupplemental Data Memo and Exhibits - NPCIC.pdfSupplemental Data Exhibits (NMIC).xlsSupplemental Data Exhibits (NAICOA).xlsSupplemental Data Exhibits (NPCIC).xls

Item Status:Status Date:







Attachment PA Filing Exhibits (NMIC, NAICOA, NPCIC).xls is not a PDF document and cannot bereproduced here.

Attachment Supplemental Data Exhibits (NMIC).xls is not a PDF document and cannot be reproducedhere.

Attachment Supplemental Data Exhibits (NAICOA).xls is not a PDF document and cannot bereproduced here.

Attachment Supplemental Data Exhibits (NPCIC).xls is not a PDF document and cannot be reproducedhere.







© 2017, Nationwide

1

FILING MEMORANDUM Pennsylvania Private Passenger Automobile

Outlined herein are details and supporting data relating to changes in Pennsylvania Private Passenger Automobile rates and rules written in the Nationwide Mutual Insurance Company (NMIC), Nationwide Affinity Insurance Company of America (NAICOA) and the Nationwide Property and Casualty Insurance Company (NPCIC). Our proposed effective date for this filing is December 22, 2017. This effective date applies to renewal business for all three companies and new business for the Nationwide Property and Casualty Company only, as we don’t write new business in the other two companies. OVERALL RATE LEVEL CHANGES The indications developed in this filing are based on an assumed effective date of December 22, 2017. Exhibit I shows three years of Private Passenger Automobile experience by coverage for the Nationwide Mutual Insurance Company, the Nationwide Affinity Insurance Company of America and the Nationwide Property and Casualty Insurance Company ending September 30, 2016. Earned premiums are adjusted to current rate levels and projected to the effective period of the new rates, and losses are on an accident year basis, developed to ultimate, and projected to the average date of loss during the effective period of the new rates. Exhibit II displays the premium trend analysis. Exhibit III provides the selected Present-to-Future premium trends by coverage. Exhibit I, row (6), shows the resulting premium projection factors. Accident year losses for the period ending September 30, 2016, were evaluated as of December 31, 2016. Allocated loss adjustment expenses were included with paid or incurred losses. Ultimate loss levels were calculated using historical loss development for the Nationwide Mutual Insurance Company, the Nationwide Affinity Insurance Company of America, and the Nationwide Property and Casualty Insurance Company, as provided on Exhibit IV. Large Losses We have adjusted Bodily Injury, Uninsured Motorists-Bodily Injury and Underinsured Motorists-Bodily Injury coverages’ ultimate losses by removing large losses over $500,000, developing the remaining losses to ultimate and then adding the large losses back into the estimated ultimate losses. Comprehensive Catastrophe Adjustment The random occurrence of catastrophes distorts actual underwriting results for the Comprehensive coverage. In order to account for expected catastrophes yet maintain stability in our rates, we remove actual catastrophe losses and replace them with a provision for expected catastrophe losses based on a 10-year experience period. Our Comprehensive indication contains a total catastrophe provision of 8.0 percent of non-catastrophe losses to reflect catastrophe exposure. The calculation of the catastrophe provision is provided in Exhibit V. Projection of Losses Exhibit VI shows Average Paid Cost Trend data and Claim Frequency by coverage for Pennsylvania Voluntary Standard Auto business and Companywide, respectively, for the past 24 quarters. The data is on a four-quarter-ending basis. Our projection of losses to anticipated future levels is primarily based on historical claim cost trends. We have also considered accident year trends, industry trends, and credibility measures. Exhibit VII shows the calculated loss trend percentages and provides support for the loss trend selections.

© 2017, Nationwide

2

We are incorporating the use of both retrospective and prospective trends, as shown on Exhibit VIII. Historical losses are trended first to the average date of the current accident year using retrospective trends. Then these "current" losses are trended to the future effective period using prospective trends. This two-step process allows for recognition of the fact that actual loss cost changes that occurred during the experience period may not always be consistent with what we expect will happen in the future. The selected trends were projected from the average date of loss for the experience period to the future average date of loss under the revised rates, based on an assumed effective date of December 22, 2017. The resulting loss projection factors, reflecting both severity and frequency by coverage, are shown on Exhibit I row (12) for Bodily Injury, Uninsured/Underinsured Motorists – Bodily Injury, First Party Benefits, and Collision; row (13) for Property Damage and Loss of Use; and row (14) for Comprehensive coverage. Projected Expense Adjustments We have projected expenses that are not directly related to premiums separately in determining the indicated rate need. These amounts differ for liability and physical damage coverages. Fixed Expenses, which include General Expense, Other Acquisition, and Adjusting and Other LAE, are calculated as a percentage of Earned Premium and projected to the effective period. Liability Physical Damage

Fixed Expenses 23.7% 22.8% Financial Needs Model Exhibit IX is the Company's Financial Needs Model, which demonstrates the need for a 5.0 percent underwriting profit provision for Liability coverages and a 7.0 percent underwriting profit provision for Physical Damage coverages, considering total investment income from all sources. Permissible Loss, Loss Adjustment, and Fixed Expense Ratio The permissible loss, loss adjustment, and fixed expense ratios of 82.5 percent for Liability coverages and 80.4 percent for Physical Damage coverages are derived using a 12.5 and 12.6 percent variable expense ratio respectively for Liability and Physical Damage. The variable expense ratio includes the average commission and brokerage ratio for all agency states, the state premium tax rate, plus an allowance for miscellaneous taxes, licenses, and fees based on Companywide data.

Permissible Loss, Loss Adjustment, and Fixed Expense Ratio

Liability (100% – 12.5% Variable Expenses – 5.0% Profit) = 82.5%

Physical Damage (100% – 12.6% Variable Expenses – 7.0% Profit) = 80.4% Trended Permissible Loss and ALAE Ratio The complement of credibility is applied to the change indicated by the Trended Permissible Loss and ALAE Ratio. The calculation of the Trended Permissible Loss and ALAE Ratio is described in Exhibit X.

© 2017, Nationwide

3

INDICATED AND PROPOSED CHANGES Based on the adjusted loss and fixed expense ratios calculated in Exhibit I and the permissible loss and fixed expense ratio described earlier in this memorandum, the combined company indicated overall change is 5.5%(1). We are filing for a 5.5%(1) premium change which will be achieved by revising the territory base rates and miscellaneous coverage rates, as described in the following paragraphs.

* First Party = Accident Death Benefits, Combined Loss Benefits, Funeral Benefits, Loss of Income Benefits, Medical Benefits, Excess Medical Benefits (1) Please note that the overall indicated and filed change of 5.5% does not include Harleysville

premium, which is also written in the Nationwide Mutual Insurance Company, but not impacted by this filing. The overall impact including Harleysville is 5.4%.

Territory Base Rates (NMIC, NAICOA, NPCIC)

Uniform base rate changes are being made in all three companies for Bodily Injury, Property Damage, Medical Benefits, Funeral Benefits, Accident Death Benefits, Loss of Income, Combined Loss Benefits, Uninsured Motorists, Underinsured Motorists, Comprehensive, and Collision coverages. Please see:

• Exhibits XI and XII for Nationwide Mutual Insurance Company • Exhibit XIII for Nationwide Affinity Insurance Company of America, and • Exhibit XIV for Nationwide Property and Casualty Insurance Company

© 2017, Nationwide

4

Miscellaneous Coverages (NMIC, NAICOA, NPCIC)

We are revising Loss of Use and Excess Medical Benefits rates in all three companies. Please see: • Exhibit XV for Nationwide Mutual Insurance Company • Exhibit XVI for Nationwide Affinity Insurance Company of America, and • Exhibit XVII for Nationwide Property and Casualty Insurance Company

Final Histogram of all Changes (NMIC, NAICOA, NPCIC)

The rate change histograms for all of the proposed changes is shown on Exhibit XVIII for Nationwide Mutual Insurance Company, Exhibit XIX for Nationwide Affinity Insurance Company of America, and Exhibit XX for Nationwide Property and Casualty Insurance Company.

© 2017 Nationwide

Pennsylvania Private Passenger AutomobileNationwide Mutual Insurance Company

Nationwide Affinity Insurance Company of AmericaNationwide Property and Casualty Insurance Company

Summary of Exhibits

Exhibit I IndicationsExhibit II Premium Trend SummariesExhibit III Determination of Premium Projection FactorsExhibit IV Loss DevelopmentExhibit V Determination of Catastrophe LoadExhibit VI Loss Trend DataExhibit VII Loss Trend SummariesExhibit VIII Determination of Loss Projection FactorsExhibit IX Financial Needs ModelExhibit X Determination of Trended Permissible Loss and ALAE RatioExhibit XI Territory Base Rates - Nationwide Mutual Insurance CompanyExhibit XII UM/UIM Rates - Nationwide Mutual Insurance CompanyExhibit XIII Territory Base Rates - Nationwide Affinity Insurance Company of AmericaExhibit XIV Territory Base Rates - Nationwide Property and Casualty Insurance CompanyExhibit XV Miscellaneous Coverage Rates - Nationwide Mutual Insurance CompanyExhibit XVI Miscellaneous Coverage Rates - Nationwide Affinity Insurance Company of AmericaExhibit XVII Miscellaneous Coverage Rates - Nationwide Property and Casualty Insurance CompanyExhibit XVIII Histogram - Nationwide Mutual Insurance CompanyExhibit XIX Histogram - Nationwide Affinity Insurance Company of AmericaExhibit XX Histogram - Nationwide Property and Casualty Insurance Company

Exhibit IPage 1

© 2017 Nationwide

Pennsylvania Personal AutomobileNationwide Mutual Insurance Company

Nationwide Property & Casualty Insurance Company Nationwide Affinity Insurance Company of America

Calculation of Indicated Rate-Level Change Assumed Effective December 22, 2017Bodily Injury

Fiscal Accident Year Ending 2014/3 2015/3 2016/3 2-Year 3-Year

Premium1. Earned Exposures 717,724 703,222 686,508 1,389,730 2,107,4542. Historical Earned Premium 132,510,190 127,575,946 128,073,7203. Current Level Earned Premium 189,789,226 178,744,480 168,306,5374. Selected Retrospective Premium Trend -3.7% -3.7% -3.7%5. Selected Prospective Premium Trend -3.5% -3.5% -3.5%6. Premium Projection Factor 0.848 0.881 0.9157. Projected Current Level Earned Premium = (3) × (6) 160,941,264 157,473,887 154,000,481 311,474,368 472,415,632

Experience Losses and Defense and Cost Containment Expenses8. Estimated Ultimate Losses and DCC Expenses 88,926,577 87,376,244 97,796,7359. Adjusted Estimated Ultimate Losses and DCC Expenses = (8) 88,926,577 87,376,244 97,796,73510. Selected Retrospective Loss Cost Trend 5.1% 5.1% 5.1%11. Selected Prospective Loss Cost Trend 4.3% 4.3% 4.3%12. Loss Projection Factor 1.227 1.167 1.11013. Projected Estimated Ultimate Losses and DCC Expenses = (9) x (12) 109,112,910 101,968,077 108,554,376 211,491,096 320,297,79814. Projected Loss and DCC Expense Ratio = (13) ÷ (7) 67.8% 64.8% 70.5% 67.9% 67.8%15. Experience Year Weights Used Above 45/55 25/35/4016. Credibility Assigned to Experience 94.2% 97.1% 99.5% 100.0% 100.0%17. Trended Permissible Loss and DCC Expense Ratio 62.3% 62.3% 62.3% 62.3% 62.3%18. Credibility-Weighted Loss and DCC Expense Ratio = (16) × (14) + [1 - (16)] × (17) 67.5% 64.7% 70.5% 67.9% 67.8%19. Credibility-Weighted Losses and DCC Expenses = (7) × (18) 108,635,353 101,885,605 108,570,339 211,491,096 320,297,798

Fixed Expenses20. Est. General & Other Acquisition = 2016/3 Avg Hist Prem×(1)×(15.3%) 20,486,290 20,072,354 19,595,27921. Est. Adjusting and Other Loss Adjustment = 2016/3 Avg Hist Prem×(1)×(8.4%) 11,247,375 11,020,115 10,758,19222. Selected Fixed Expense Trend 2.1% 2.1% 2.1%23. Fixed Expense Projection Factor 1.053 1.053 1.05324. Projected Total Fixed Expenses 33,415,549 32,740,370 31,962,205 64,702,575 98,118,124

Indication25. Credibility-Weighted Losses, DCC and Fixed Expenses = (19) + (24) 142,050,902 134,625,975 140,532,544 276,193,671 418,415,92226. Permissible Loss, DCC and Fixed Expense Ratio 82.5% 82.5% 82.5% 82.5% 82.5%27. Required Premium = (25) ÷ (26) 172,182,912 163,183,000 170,342,478 334,780,207 507,170,81528. Credibility-Weighted Indicated Rate Level Change = (27) ÷ (7) - 1 7.0% 3.6% 10.6% 7.5% 7.4%

Exhibit IPage 2

© 2017 Nationwide



Calculation of Indicated Rate-Level Change Assumed Effective December 22, 2017Property Damage



Experience Losses and Defense and Cost Containment Expenses8. Estimated Ultimate Losses and DCC Expenses 85,310,826 89,990,306 93,586,7529. Current Coverage Adjustment 1.001 1.000 1.00010. Adjusted Estimated Ultimate Losses and DCC Expenses = (8) × (9) 85,396,137 89,990,306 93,586,75211. Selected Retrospective Loss Cost Trend 5.2% 5.2% 5.2%12. Selected Prospective Loss Cost Trend 6.2% 6.2% 6.2%13. Loss Projection Factor 1.285 1.221 1.16114. Projected Estimated Ultimate Losses and DCC Expenses = (10) x (13) 109,734,036 109,878,164 108,654,219 218,666,902 329,407,56415. Projected Loss and DCC Expense Ratio = (14) ÷ (7) 67.3% 68.9% 69.8% 69.4% 68.9%16. Experience Year Weights Used Above 45/55 25/35/4017. Credibility Assigned to Experience 100.0% 100.0% 100.0% 100.0% 100.0%18. Trended Permissible Loss and DCC Expense Ratio 62.6% 62.6% 62.6% 62.6% 62.6%19. Credibility-Weighted Loss and DCC Expense Ratio = (17) × (15) + [1 - (17)] × (18) 67.3% 68.9% 69.8% 69.4% 68.9%20. Credibility-Weighted Losses and DCC Expenses = (7) × (19) 109,707,861 109,865,819 108,626,299 218,666,902 329,407,564



Exhibit IPage 3

© 2017 Nationwide



Calculation of Indicated Rate-Level Change Assumed Effective December 22, 2017Uninsured Motorists - Bodily Injury






Exhibit IPage 4

© 2017 Nationwide



Calculation of Indicated Rate-Level Change Assumed Effective December 22, 2017Underinsured Motorists - Bodily Injury






Exhibit IPage 5

© 2017 Nationwide



Calculation of Indicated Rate-Level Change Assumed Effective December 22, 2017

Accidental Death Benefits, Combined Loss Benefits, Funeral Benefits, Loss of Income Benefits, Medical Benefits, Excess Medical Benefits


Premium1. Earned Exposures 1,953,585 1,915,687 1,868,599 3,784,286 5,737,8712. Historical Earned Premium 70,490,087 67,502,926 65,318,5543. Current Level Earned Premium 86,122,467 80,541,200 75,391,1344. Selected Retrospective Premium Trend -4.0% -4.0% -4.0%5. Selected Prospective Premium Trend -4.0% -4.0% -4.0%6. Premium Projection Factor 0.833 0.868 0.9047. Projected Current Level Earned Premium = (3) × (6) 71,740,015 69,909,762 68,153,585 138,063,347 209,803,362

Experience Losses and Defense and Cost Containment Expenses8. Estimated Ultimate Losses and DCC Expenses 47,207,371 42,866,845 45,282,9779. Adjusted Estimated Ultimate Losses and DCC Expenses = (8) 47,207,371 42,866,845 45,282,97710. Selected Retrospective Loss Cost Trend -2.0% -2.0% -2.0%11. Selected Prospective Loss Cost Trend 0.3% 0.3% 0.3%12. Loss Projection Factor 0.967 0.987 1.00713. Projected Estimated Ultimate Losses and DCC Expenses = (9) x (12) 45,649,528 42,309,576 45,599,958 88,360,542 133,854,54514. Projected Loss and DCC Expense Ratio = (13) ÷ (7) 63.6% 60.5% 66.9% 64.0% 63.8%15. Experience Year Weights Used Above 45/55 25/35/4016. Credibility Assigned to Experience 100.0% 100.0% 100.0% 100.0% 100.0%17. Trended Permissible Loss and DCC Expense Ratio 60.7% 60.7% 60.7% 60.7% 60.7%18. Credibility-Weighted Loss and DCC Expense Ratio = (16) × (14) + [1 - (16)] × (17) 63.6% 60.5% 66.9% 64.0% 63.8%19. Credibility-Weighted Losses and DCC Expenses = (7) × (18) 45,626,650 42,295,406 45,594,748 88,360,542 133,854,545



Exhibit IPage 6

© 2017 Nationwide



Calculation of Indicated Rate-Level Change Assumed Effective December 22, 2017Comprehensive



Experience Losses and Defense and Cost Containment Expenses8. Estimated Ultimate Losses and DCC Expenses 48,035,745 46,448,000 48,154,7349. Catastrophe Load 1.080 1.080 1.08010. Current Coverage Adjustment 0.987 0.995 1.00011. Adjusted Estimated Ultimate Losses and DCC Expenses = (8) × (9) × (10) 51,204,183 49,913,021 52,007,11312. Selected Retrospective Loss Cost Trend 2.5% 2.5% 2.5%13. Selected Prospective Loss Cost Trend 2.5% 2.5% 2.5%14. Loss Projection Factor 1.117 1.090 1.06315. Projected Estimated Ultimate Losses and DCC Expenses = (11) x (14) 57,195,072 54,405,193 55,283,561 110,014,301 166,892,82916. Projected Loss and DCC Expense Ratio = (15) ÷ (7) 67.6% 65.1% 67.2% 66.3% 66.6%17. Experience Year Weights Used Above 45/55 25/35/4018. Credibility Assigned to Experience 100.0% 100.0% 100.0% 100.0% 100.0%19. Trended Permissible Loss and DCC Expense Ratio 59.5% 59.5% 59.5% 59.5% 59.5%20. Credibility-Weighted Loss and DCC Expense Ratio = (18) × (16) + [1 - (18)] × (19) 67.6% 65.1% 67.2% 66.3% 66.6%21. Credibility-Weighted Losses and DCC Expenses = (7) × (20) 57,227,284 54,429,477 55,322,442 110,014,301 166,892,829



Exhibit IPage 7

© 2017 Nationwide



Calculation of Indicated Rate-Level Change Assumed Effective December 22, 2017Collision


Premium1. Earned Exposures 558,767 549,875 539,098 1,088,973 1,647,7402. Historical Earned Premium 184,989,610 186,502,678 195,326,1923. Current Level Earned Premium 216,088,254 217,105,994 217,283,3294. Selected Retrospective Premium Trend 1.4% 1.4% 1.4%5. Selected Prospective Premium Trend 1.4% 1.4% 1.4%6. Premium Projection Factor 1.064 1.049 1.0357. Projected Current Level Earned Premium = (3) × (6) 229,917,902 227,744,188 224,888,246 452,632,434 682,550,336



Indication25. Credibility-Weighted Losses, DCC and Fixed Expenses = (19) + (24) 189,085,484 187,667,085 180,253,423 367,211,572 556,275,44626. Permissible Loss, DCC and Fixed Expense Ratio 80.4% 80.4% 80.4% 80.4% 80.4%27. Required Premium = (25) ÷ (26) 235,180,950 233,416,772 224,195,800 456,730,811 691,884,88328. Credibility-Weighted Indicated Rate Level Change = (27) ÷ (7) - 1 2.3% 2.5% -0.3% 0.9% 1.4%

Exhibit IPage 8

© 2017 Nationwide



Calculation of Indicated Rate-Level Change Assumed Effective December 22, 2017Loss of Use


Premium1. Earned Exposures 333,688 332,202 329,032 661,234 994,9222. Historical Earned Premium 14,620,442 14,822,989 15,055,6033. Current Level Earned Premium 16,924,175 16,961,340 16,896,0854. Selected Retrospective Premium Trend 0.5% 0.5% 0.5%5. Selected Prospective Premium Trend 0.5% 0.5% 0.5%6. Premium Projection Factor 1.022 1.017 1.0127. Projected Current Level Earned Premium = (3) × (6) 17,296,507 17,249,683 17,098,838 34,348,521 51,645,028

Experience Losses and Defense and Cost Containment Expenses8. Estimated Ultimate Losses and DCC Expenses 10,392,921 9,317,897 9,513,8919. Current Coverage Adjustment 1.022 1.009 1.00010. Adjusted Estimated Ultimate Losses and DCC Expenses = (8) × (9) 10,621,565 9,401,758 9,513,89111. Selected Retrospective Loss Cost Trend 2.4% 2.4% 2.4%12. Selected Prospective Loss Cost Trend 1.0% 1.0% 1.0%13. Loss Projection Factor 1.075 1.050 1.02514. Projected Estimated Ultimate Losses and DCC Expenses = (10) x (13) 11,418,182 9,871,846 9,751,738 19,613,005 30,625,50215. Projected Loss and DCC Expense Ratio = (14) ÷ (7) 66.0% 57.2% 57.0% 57.1% 59.3%16. Experience Year Weights Used Above 45/55 25/35/4017. Credibility Assigned to Experience 100.0% 100.0% 100.0% 100.0% 100.0%18. Trended Permissible Loss and DCC Expense Ratio 57.8% 57.8% 57.8% 57.8% 57.8%19. Credibility-Weighted Loss and DCC Expense Ratio = (17) × (15) + [1 - (17)] × (18) 66.0% 57.2% 57.0% 57.1% 59.3%20. Credibility-Weighted Losses and DCC Expenses = (7) × (19) 11,415,695 9,866,819 9,746,338 19,613,005 30,625,502


Indication26. Credibility-Weighted Losses, DCC and Fixed Expenses = (20) + (25) 15,081,452 13,516,253 13,360,947 26,877,048 41,555,30227. Permissible Loss, DCC and Fixed Expense Ratio 80.4% 80.4% 80.4% 80.4% 80.4%28. Required Premium = (26) ÷ (27) 18,758,025 16,811,260 16,618,093 33,429,164 51,685,69929. Credibility-Weighted Indicated Rate Level Change = (28) ÷ (7) - 1 8.4% -2.5% -2.8% -2.7% 0.1%

Exhibit IIPage 1

© 2017 Nationwide

Exhibit IIPage 2

© 2017 Nationwide

Exhibit IIPage 3

© 2017 Nationwide

Exhibit IIPage 4

© 2017 Nationwide

Exhibit IIPage 5

© 2017 Nationwide

Exhibit IIPage 6

© 2017 Nationwide

Exhibit IIPage 7

© 2017 Nationwide

Exhibit IIPage 8

© 2017 Nationwide

Exhibit IIIPage 1

© 2017 Nationwide



Determination of Premium Projection FactorsBodily Injury

Fiscal Calendar Year Ending2014/3 2015/3 2016/3

Past-to-Present Adjustments1. Average Earned Date for Fiscal Calendar Year 3/31/2014 3/31/2015 3/31/20162. Average Earned Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20163. Years of Trend = (2) - (1) 2.003 1.003 0.0004. Selected Premium Trend -3.7% -3.7% -3.7%5. Past-to-Present Factor = [1+(4)](3) 0.927 0.963 1.000

Present-to-Future Adjustments6. Average Earned Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20167. Average Earned Date for Assumed Effective Period 9/21/2018 9/21/2018 9/21/20188. Years of Trend = (7) - (6) 2.479 2.479 2.4799. Selected Premium Trend -3.5% -3.5% -3.5%10. Present-to-Future Factor = [1+(9)](8) 0.915 0.915 0.915

Past-to-Future Adjustments11. Premium Projection Factor = (5) × (10) 0.848 0.881 0.915

Exhibit IIIPage 2

© 2017 Nationwide



Determination of Premium Projection FactorsProperty Damage





Exhibit IIIPage 3

© 2017 Nationwide



Determination of Premium Projection FactorsUninsured Motorists - Bodily Injury





Exhibit IIIPage 4

© 2017 Nationwide



Determination of Premium Projection FactorsUnderinsured Motorists - Bodily Injury





Exhibit IIIPage 5

© 2017 Nationwide



Determination of Premium Projection FactorsAccidental Death Benefits, Combined Loss Benefits, Funeral Benefits, Loss of Income Benefits,

Medical Benefits, Excess Medical Benefits





Exhibit IIIPage 6

© 2017 Nationwide



Determination of Premium Projection FactorsComprehensive





Exhibit IIIPage 7

© 2017 Nationwide



Determination of Premium Projection FactorsCollision


Past-to-Present Adjustments1. Average Earned Date for Fiscal Calendar Year 3/31/2014 3/31/2015 3/31/20162. Average Earned Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20163. Years of Trend = (2) - (1) 2.003 1.003 0.0004. Selected Premium Trend 1.4% 1.4% 1.4%5. Past-to-Present Factor = [1+(4)](3) 1.028 1.014 1.000

Present-to-Future Adjustments6. Average Earned Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20167. Average Earned Date for Assumed Effective Period 9/21/2018 9/21/2018 9/21/20188. Years of Trend = (7) - (6) 2.479 2.479 2.4799. Selected Premium Trend 1.4% 1.4% 1.4%10. Present-to-Future Factor = [1+(9)](8) 1.035 1.035 1.035


Exhibit IIIPage 8

© 2017 Nationwide



Determination of Premium Projection FactorsLoss of Use


Past-to-Present Adjustments1. Average Earned Date for Fiscal Calendar Year 3/31/2014 3/31/2015 3/31/20162. Average Earned Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20163. Years of Trend = (2) - (1) 2.003 1.003 0.0004. Selected Premium Trend 0.5% 0.5% 0.5%5. Past-to-Present Factor = [1+(4)](3) 1.010 1.005 1.000

Present-to-Future Adjustments6. Average Earned Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20167. Average Earned Date for Assumed Effective Period 9/21/2018 9/21/2018 9/21/20188. Years of Trend = (7) - (6) 2.479 2.479 2.4799. Selected Premium Trend 0.5% 0.5% 0.5%10. Present-to-Future Factor = [1+(9)](8) 1.012 1.012 1.012


Exhibit IVPage 1

© 2017 Nationwide



Loss Development for Accident Years Ending September 30, 2016With 5 Quarters of Development as of December 31, 2016

Bodily Injury

Incurred Losses

Incurred Cost (No Supp) + DCC Expense Amount, Excluding Losses Over NA/500000Accident Age in Months

Year Ending 15 27 39 51 63 75 87 99 111 123 1352006/3 63,090,038 72,284,044 76,318,068 77,963,506 78,382,726 78,598,242 78,811,895 78,815,142 78,837,458 78,836,834 78,862,2402007/3 67,211,073 72,719,682 77,467,751 78,950,735 78,775,749 78,941,432 79,003,127 79,157,520 79,190,323 79,187,1032008/3 71,094,319 74,912,899 79,241,695 80,667,921 81,159,203 81,377,928 81,277,027 81,240,006 81,205,7392009/3 71,551,371 80,417,569 87,096,116 87,871,279 88,330,224 88,365,127 88,404,537 88,544,4442010/3 72,185,032 84,769,790 88,767,267 90,335,241 91,152,340 91,582,796 91,621,5782011/3 75,767,000 82,358,944 85,987,739 88,608,314 89,505,434 89,688,0832012/3 78,991,900 86,778,977 92,740,584 94,556,116 94,612,4672013/3 67,798,461 76,981,971 84,916,886 86,695,1512014/3 68,383,847 77,679,775 84,307,1102015/3 66,948,575 77,374,6382016/3 74,677,854

Age-to-Age Development FactorsAccident Development Interval

Year Ending 15 - 27 27 - 39 39 - 51 51 - 63 63 - 75 75 - 87 87 - 99 99 - 111 111 - 123 123 - 1352006/3 1.1457 1.0558 1.0216 1.0054 1.0027 1.0027 1.0000 1.0003 1.0000 1.00032007/3 1.0820 1.0653 1.0191 0.9978 1.0021 1.0008 1.0020 1.0004 1.00002008/3 1.0537 1.0578 1.0180 1.0061 1.0027 0.9988 0.9995 0.99962009/3 1.1239 1.0830 1.0089 1.0052 1.0004 1.0004 1.00162010/3 1.1743 1.0472 1.0177 1.0090 1.0047 1.00042011/3 1.0870 1.0441 1.0305 1.0101 1.00202012/3 1.0986 1.0687 1.0196 1.00062013/3 1.1355 1.1031 1.02092014/3 1.1359 1.08532015/3 1.1557

Average and Selected FactorsAlgorithm 15 - 27 27 - 39 39 - 51 51 - 63 63 - 75 75 - 87 87 - 99 99 - 111 111 - 123 123 - 135

Latest Year 1.1557 1.0853 1.0209 1.0006 1.0020 1.0004 1.0016 0.9996 1.0000 1.0003Age-to-Ult 1.2863 1.1130 1.0255 1.0045 1.0039 1.0019 1.0015 0.9999 1.0003 1.00032-Year Avg 1.1458 1.0942 1.0203 1.0054 1.0034 1.0004 1.0006 1.0000 1.0000 1.0003Age-to-Ult 1.2921 1.1277 1.0306 1.0101 1.0047 1.0013 1.0009 1.0003 1.0003 1.00033-Year Avg 1.1424 1.0857 1.0237 1.0066 1.0024 0.9999 1.0010 1.0001 1.0000 1.0003Age-to-Ult 1.2827 1.1228 1.0342 1.0103 1.0037 1.0013 1.0014 1.0004 1.0003 1.00034-Year Avg 1.1314 1.0753 1.0222 1.0062 1.0025 1.0001 1.0008 1.0001 1.0000 1.0003Age-to-Ult 1.2560 1.1101 1.0324 1.0100 1.0038 1.0013 1.0012 1.0004 1.0003 1.0003

All-Year Avg 1.1192 1.0678 1.0195 1.0049 1.0024 1.0006 1.0008 1.0001 1.0000 1.0003Age-to-Ult 1.2296 1.0986 1.0288 1.0091 1.0042 1.0018 1.0012 1.0004 1.0003 1.0003M3 of L5 1.1233 1.0671 1.0194 1.0068 1.0023 1.0005 1.0008 1.0001 1.0000 1.0003

Age-to-Ult 1.2351 1.0995 1.0304 1.0108 1.0040 1.0017 1.0012 1.0004 1.0003 1.00032-Year LWA 1.1457 1.0942 1.0202 1.0052 1.0034 1.0004 1.0006 1.0000 1.0000 1.0003Age-to-Ult 1.2917 1.1274 1.0303 1.0099 1.0047 1.0013 1.0009 1.0003 1.0003 1.0003

3-Year LWA 1.1423 1.0850 1.0236 1.0065 1.0024 0.9999 1.0010 1.0001 1.0000 1.0003Age-to-Ult 1.2815 1.1219 1.0340 1.0102 1.0037 1.0013 1.0014 1.0004 1.0003 1.0003


All-Year LWA 1.1184 1.0676 1.0195 1.0050 1.0025 1.0006 1.0008 1.0001 1.0000 1.0003Age-to-Ult 1.2287 1.0986 1.0290 1.0093 1.0043 1.0018 1.0012 1.0004 1.0003 1.0003Selected 1.1424 1.0857 1.0237 1.0066 1.0024 0.9999 1.0010 1.0001 1.0000 1.0003 Tail Factor

Age-to-Ult 1.2827 1.1228 1.0342 1.0103 1.0037 1.0013 1.0014 1.0004 1.0003 1.0003 1.0000

Estimated Ultimates Under Each AlgorithmAccident Year

EndingLosses as of 12/31/2016 Latest Year 2-Year Avg 3-Year Avg 4-Year Avg All-Year Avg M3 of L5 2-Year LWA 3-Year LWA 4-Year LWA All-Year LWA

2006/3 78,862,240 79,864,733 79,864,733 79,864,733 79,864,733 79,864,733 79,864,733 79,864,733 79,864,733 79,864,733 79,864,7332007/3 79,187,103 79,210,859 79,210,859 79,210,859 79,210,859 79,210,859 79,210,859 79,210,859 79,210,859 79,210,859 79,210,8592008/3 81,205,739 83,892,672 83,892,672 83,892,672 83,892,672 83,892,672 83,892,672 83,892,672 83,892,672 83,892,672 83,892,6722009/3 88,544,444 89,548,158 89,583,575 89,592,430 89,592,430 89,592,430 89,592,430 89,583,575 89,592,430 89,592,430 89,592,4302010/3 91,621,578 93,761,467 93,706,494 93,752,305 93,733,981 93,733,981 93,733,981 93,706,494 93,752,305 93,733,981 93,733,9812011/3 89,688,083 90,497,635 90,443,823 90,443,823 90,443,823 90,488,667 90,479,698 90,443,823 90,443,823 90,443,823 90,488,6672012/3 94,612,467 95,482,483 95,558,173 95,463,560 95,473,021 95,510,866 95,491,944 95,558,173 95,463,560 95,473,021 95,520,3282013/3 86,695,151 88,135,577 88,621,070 88,638,409 88,612,401 88,534,375 88,681,757 88,603,731 88,629,740 88,612,401 88,551,7142014/3 84,307,110 88,193,105 88,623,072 88,926,577 88,774,824 88,471,319 88,606,210 88,597,779 88,909,716 88,766,394 88,488,1802015/3 77,374,638 86,617,972 87,755,379 87,376,244 86,393,586 85,503,777 85,573,414 87,732,167 87,306,606 86,331,686 85,503,7772016/3 74,677,854 98,065,576 98,498,707 97,796,735 95,802,837 93,831,341 94,242,069 98,468,836 97,707,122 95,623,610 93,764,131

Summary Results Based on Selected Development FactorsAccident Year

EndingLosses as of 12/31/2016

Age-to-Ult Factor

Losses Not Developed

Ultimate Losses

Ultimate Count

Earned Premium

Earned Exposures

Ultimate Severity

Ultimate Frequency

Ultimate Loss Cost

Ultimate Loss Ratio

2006/3 78,862,240 1.0000 1,002,493 79,864,733 4,932 130,718,459 717,414 16,193 6.875 111.32 61.1%2007/3 79,187,103 1.0003 0 79,210,859 4,663 130,503,724 730,138 16,987 6.386 108.49 60.7%2008/3 81,205,739 1.0003 2,662,571 83,892,672 4,493 131,160,920 740,265 18,672 6.069 113.33 64.0%2009/3 88,544,444 1.0004 1,012,568 89,592,430 4,688 132,933,377 760,188 19,111 6.167 117.86 67.4%2010/3 91,621,578 1.0014 2,002,457 93,752,305 4,787 131,795,750 762,789 19,585 6.276 122.91 71.1%2011/3 89,688,083 1.0013 639,145 90,443,823 4,734 129,407,339 762,860 19,105 6.206 118.56 69.9%2012/3 94,612,467 1.0037 501,027 95,463,560 4,838 132,400,440 755,892 19,732 6.400 126.29 72.1%2013/3 86,695,151 1.0103 1,050,298 88,638,409 4,304 135,652,040 734,623 20,594 5.859 120.66 65.3%2014/3 84,307,110 1.0342 1,736,164 88,926,577 3,944 132,510,190 717,724 22,547 5.495 123.90 67.1%2015/3 77,374,638 1.1228 500,000 87,376,244 4,142 127,575,946 703,222 21,095 5.890 124.25 68.5%2016/3 74,677,854 1.2827 2,007,452 97,796,735 4,215 128,073,720 686,508 23,202 6.140 142.46 76.4%

Exhibit IVPage 2

© 2017 Nationwide




Property Damage

Paid Losses

Paid Cost and DCC Expense AmountAccident Age in Months

Year Ending 15 27 39 51 63 75 87 99 111 123 1352006/3 57,544,205 64,256,761 64,865,619 65,105,915 65,117,964 65,118,778 65,123,792 65,127,934 65,127,934 65,127,884 65,127,8842007/3 62,790,849 69,221,873 69,669,864 69,786,114 69,815,455 69,810,181 69,810,809 69,810,809 69,810,809 69,810,8092008/3 67,016,096 73,157,338 73,577,924 73,710,647 73,741,655 73,748,559 73,750,837 73,754,337 73,755,2222009/3 72,555,858 78,181,384 78,691,044 78,729,202 78,729,491 78,731,718 78,732,166 78,731,6832010/3 77,464,013 82,566,870 83,134,754 83,263,703 83,366,474 83,375,335 83,381,2982011/3 79,946,422 86,384,595 86,894,846 87,227,879 87,236,810 87,236,7942012/3 81,278,586 87,634,471 88,233,326 88,419,290 88,443,7952013/3 79,269,398 85,471,927 86,435,044 86,563,4292014/3 76,711,444 84,333,044 85,038,7022015/3 82,051,107 88,923,2272016/3 85,071,132


Year Ending 15 - 27 27 - 39 39 - 51 51 - 63 63 - 75 75 - 87 87 - 99 99 - 111 111 - 123 123 - 1352006/3 1.1167 1.0095 1.0037 1.0002 1.0000 1.0001 1.0001 1.0000 1.0000 1.00002007/3 1.1024 1.0065 1.0017 1.0004 0.9999 1.0000 1.0000 1.0000 1.00002008/3 1.0916 1.0057 1.0018 1.0004 1.0001 1.0000 1.0000 1.00002009/3 1.0775 1.0065 1.0005 1.0000 1.0000 1.0000 1.00002010/3 1.0659 1.0069 1.0016 1.0012 1.0001 1.00012011/3 1.0805 1.0059 1.0038 1.0001 1.00002012/3 1.0782 1.0068 1.0021 1.00032013/3 1.0782 1.0113 1.00152014/3 1.0994 1.00842015/3 1.0838








Age-to-Ult 1.1001 1.0120 1.0032 1.0007 1.0002 1.0001 1.0000 1.0000 1.0000 1.0000 1.0000



2006/3 65,127,884 65,127,884 65,127,884 65,127,884 65,127,884 65,127,884 65,127,884 65,127,884 65,127,884 65,127,884 65,127,8842007/3 69,810,809 69,810,809 69,810,809 69,810,809 69,810,809 69,810,809 69,810,809 69,810,809 69,810,809 69,810,809 69,810,8092008/3 73,755,222 73,755,222 73,755,222 73,755,222 73,755,222 73,755,222 73,755,222 73,755,222 73,755,222 73,755,222 73,755,2222009/3 78,731,683 78,731,683 78,731,683 78,731,683 78,731,683 78,731,683 78,731,683 78,731,683 78,731,683 78,731,683 78,731,6832010/3 83,381,298 83,381,298 83,381,298 83,381,298 83,381,298 83,381,298 83,381,298 83,381,298 83,381,298 83,381,298 83,381,2982011/3 87,236,794 87,245,518 87,245,518 87,236,794 87,236,794 87,236,794 87,236,794 87,236,794 87,236,794 87,236,794 87,236,7942012/3 88,443,795 88,452,639 88,461,484 88,443,795 88,452,639 88,443,795 88,443,795 88,452,639 88,443,795 88,452,639 88,443,7952013/3 86,563,429 86,598,054 86,598,054 86,606,711 86,606,711 86,598,054 86,589,398 86,589,398 86,606,711 86,606,711 86,598,0542014/3 85,038,702 85,200,276 85,225,787 85,293,818 85,276,810 85,251,299 85,208,779 85,217,283 85,293,818 85,276,810 85,251,2992015/3 88,923,227 89,839,136 89,999,198 89,972,521 89,892,490 89,812,459 89,759,105 89,981,413 89,972,521 89,892,490 89,812,4592016/3 85,071,132 93,152,890 93,986,587 93,569,738 93,297,510 93,433,624 92,812,605 93,944,051 93,552,724 93,280,496 93,331,539



Age-to-Ult Factor


Ultimate Losses

Ultimate Count

Earned Premium

Earned Exposures

Ultimate Severity

Ultimate Frequency

Ultimate Loss Cost

Ultimate Loss Ratio

2006/3 65,127,884 1.0000 0 65,127,884 26,138 114,378,021 717,507 2,492 36.429 90.77 56.9%2007/3 69,810,809 1.0000 0 69,810,809 27,579 113,107,542 730,221 2,531 37.768 95.60 61.7%2008/3 73,755,222 1.0000 0 73,755,222 27,665 113,578,338 740,403 2,666 37.365 99.61 64.9%2009/3 78,731,683 1.0000 0 78,731,683 28,436 114,837,471 760,350 2,769 37.399 103.55 68.6%2010/3 83,381,298 1.0000 0 83,381,298 30,077 114,920,029 762,933 2,772 39.423 109.29 72.6%2011/3 87,236,794 1.0001 0 87,245,518 30,133 113,928,228 762,981 2,895 39.494 114.35 76.6%2012/3 88,443,795 1.0002 0 88,461,484 29,505 118,378,452 756,060 2,998 39.025 117.00 74.7%2013/3 86,563,429 1.0007 0 86,624,023 27,874 126,158,513 734,753 3,108 37.937 117.90 68.7%2014/3 85,038,702 1.0032 0 85,310,826 24,057 126,411,815 717,829 3,546 33.514 118.85 67.5%2015/3 88,923,227 1.0120 0 89,990,306 20,976 124,593,285 703,347 4,290 29.823 127.95 72.2%2016/3 85,071,132 1.1001 0 93,586,752 21,306 126,510,323 686,621 4,393 31.030 136.30 74.0%

Exhibit IVPage 3

© 2017 Nationwide




Uninsured Motorists - Bodily Injury

Incurred Losses


Year Ending 15 27 39 51 63 75 87 99 111 123 1352006/3 6,340,752 7,435,585 8,326,648 8,444,447 8,350,155 8,372,124 8,352,292 8,352,518 8,353,539 8,302,385 8,301,3182007/3 6,065,590 6,311,983 6,697,087 6,720,206 7,045,471 7,140,369 7,165,962 7,163,237 7,161,037 7,159,3622008/3 5,043,009 5,314,035 5,324,841 5,449,479 5,478,833 5,657,082 5,644,448 5,646,122 5,645,2702009/3 4,818,129 5,515,091 6,267,978 6,199,918 6,069,593 6,152,162 6,154,990 6,156,7642010/3 5,045,852 6,850,280 7,409,090 6,991,196 7,051,646 7,097,734 7,096,8862011/3 5,815,493 5,586,799 6,201,391 6,591,853 6,691,679 6,740,2832012/3 5,076,788 5,934,067 6,497,384 6,595,654 6,917,5042013/3 4,518,882 5,827,220 6,165,309 6,189,0952014/3 4,002,841 4,953,163 5,611,0592015/3 3,655,799 5,687,7732016/3 4,075,661


Year Ending 15 - 27 27 - 39 39 - 51 51 - 63 63 - 75 75 - 87 87 - 99 99 - 111 111 - 123 123 - 1352006/3 1.1727 1.1198 1.0141 0.9888 1.0026 0.9976 1.0000 1.0001 0.9939 0.99992007/3 1.0406 1.0610 1.0035 1.0484 1.0135 1.0036 0.9996 0.9997 0.99982008/3 1.0537 1.0020 1.0234 1.0054 1.0325 0.9978 1.0003 0.99982009/3 1.1447 1.1365 0.9891 0.9790 1.0136 1.0005 1.00032010/3 1.3576 1.0816 0.9436 1.0086 1.0065 0.99992011/3 0.9607 1.1100 1.0630 1.0151 1.00732012/3 1.1689 1.0949 1.0151 1.04882013/3 1.2895 1.0580 1.00392014/3 1.2374 1.13282015/3 1.5558








Age-to-Ult 1.4671 1.1299 1.0314 1.0217 1.0087 0.9972 0.9970 0.9967 0.9968 0.9999 1.0000



2006/3 8,301,318 8,301,318 8,301,318 8,301,318 8,301,318 8,301,318 8,301,318 8,301,318 8,301,318 8,301,318 8,301,3182007/3 7,159,362 7,158,646 7,158,646 7,158,646 7,158,646 7,158,646 7,158,646 7,158,646 7,158,646 7,158,646 7,158,6462008/3 5,645,270 5,643,576 5,627,205 5,627,205 5,627,205 5,627,205 5,627,205 5,625,512 5,625,512 5,625,512 5,625,5122009/3 6,156,764 6,153,686 6,135,831 6,136,447 6,136,447 6,136,447 6,136,447 6,133,984 6,134,600 6,134,600 6,134,6002010/3 7,096,886 7,095,467 7,074,886 7,074,176 7,074,176 7,074,176 7,074,176 7,072,757 7,071,337 7,071,337 7,071,3372011/3 6,740,283 6,738,261 6,720,736 6,714,670 6,722,084 6,718,040 6,714,670 6,718,040 6,711,974 6,720,062 6,715,3442012/3 6,917,504 6,965,927 6,945,174 6,954,167 7,002,589 6,982,529 6,970,769 6,942,407 6,950,016 6,994,288 6,972,1522013/3 6,189,095 6,536,303 6,412,521 6,372,292 6,346,298 6,330,825 6,297,404 6,410,046 6,366,722 6,340,728 6,319,0662014/3 5,611,059 5,948,845 5,868,607 5,934,817 5,790,613 5,779,952 5,724,402 5,866,923 5,929,206 5,769,291 5,760,3132015/3 5,687,773 6,831,015 6,516,482 6,588,716 6,450,503 6,377,700 6,356,655 6,496,574 6,571,084 6,418,083 6,357,7932016/3 4,075,661 7,615,373 6,521,465 6,425,280 6,068,659 5,475,651 5,611,370 6,468,074 6,367,405 5,971,251 5,372,536



Age-to-Ult Factor


Ultimate Losses

Ultimate Count

Earned Premium

Earned Exposures

Ultimate Severity

Ultimate Frequency

Ultimate Loss Cost

Ultimate Loss Ratio

2006/3 8,301,318 1.0000 0 8,301,318 498 16,174,640 645,757 16,669 0.771 12.86 51.3%2007/3 7,159,362 0.9999 0 7,158,646 536 16,246,674 652,550 13,356 0.821 10.97 44.1%2008/3 5,645,270 0.9968 0 5,627,205 436 16,466,471 660,138 12,906 0.660 8.52 34.2%2009/3 6,156,764 0.9967 0 6,136,447 439 17,088,738 678,543 13,978 0.647 9.04 35.9%2010/3 7,096,886 0.9970 0 7,075,595 490 17,022,141 681,701 14,440 0.719 10.38 41.6%2011/3 6,740,283 0.9972 0 6,721,410 476 16,653,537 682,293 14,121 0.698 9.85 40.4%2012/3 6,917,504 1.0087 0 6,977,686 453 15,378,173 677,756 15,403 0.668 10.30 45.4%2013/3 6,189,095 1.0217 0 6,323,398 326 14,015,438 661,301 19,397 0.493 9.56 45.1%2014/3 5,611,059 1.0314 0 5,787,246 319 13,542,862 647,190 18,142 0.493 8.94 42.7%2015/3 5,687,773 1.1299 0 6,426,615 283 13,024,411 634,608 22,709 0.446 10.13 49.3%2016/3 4,075,661 1.4671 0 5,979,402 277 12,427,385 619,218 21,586 0.447 9.66 48.1%

Exhibit IVPage 4

© 2017 Nationwide




Underinsured Motorists - Bodily Injury

Incurred Losses


Year Ending 15 27 39 51 63 75 87 99 111 123 1352006/3 16,830,024 25,738,729 30,018,819 30,078,373 29,974,582 29,610,340 29,722,117 29,872,147 29,912,942 29,879,609 29,829,6092007/3 21,812,567 27,167,802 29,088,826 29,310,292 29,485,235 29,493,768 29,754,291 29,618,118 29,558,439 29,583,4392008/3 15,634,203 20,939,404 23,647,338 23,595,024 23,611,845 24,044,012 23,938,016 24,252,760 24,232,2182009/3 18,543,236 25,026,256 28,475,354 30,353,250 30,930,986 31,225,298 31,320,229 31,249,4362010/3 15,424,195 22,828,979 26,066,410 26,448,794 27,033,010 27,027,958 27,139,6442011/3 15,017,823 21,457,083 24,276,913 24,979,928 25,246,516 25,403,4192012/3 17,888,965 24,855,094 30,132,701 32,464,993 33,867,1532013/3 13,356,302 21,558,008 24,729,598 26,000,3292014/3 14,188,123 21,695,611 25,240,8072015/3 12,485,040 20,799,9752016/3 13,968,455


Year Ending 15 - 27 27 - 39 39 - 51 51 - 63 63 - 75 75 - 87 87 - 99 99 - 111 111 - 123 123 - 1352006/3 1.5293 1.1663 1.0020 0.9965 0.9878 1.0038 1.0050 1.0014 0.9989 0.99832007/3 1.2455 1.0707 1.0076 1.0060 1.0003 1.0088 0.9954 0.9980 1.00082008/3 1.3393 1.1293 0.9978 1.0007 1.0183 0.9956 1.0131 0.99922009/3 1.3496 1.1378 1.0659 1.0190 1.0095 1.0030 0.99772010/3 1.4801 1.1418 1.0147 1.0221 0.9998 1.00412011/3 1.4288 1.1314 1.0290 1.0107 1.00622012/3 1.3894 1.2123 1.0774 1.04322013/3 1.6141 1.1471 1.05142014/3 1.5291 1.16342015/3 1.6660








Age-to-Ult 1.9873 1.2439 1.0809 1.0269 1.0094 1.0041 1.0005 0.9977 0.9982 0.9983 1.0000



2006/3 29,829,609 30,331,781 30,331,781 30,331,781 30,331,781 30,331,781 30,331,781 30,331,781 30,331,781 30,331,781 30,331,7812007/3 29,583,439 32,086,794 32,086,794 32,086,794 32,086,794 32,086,794 32,086,794 32,086,794 32,086,794 32,086,794 32,086,7942008/3 24,232,218 24,719,550 24,697,741 24,697,741 24,697,741 24,697,741 24,697,741 24,697,741 24,697,741 24,697,741 24,697,7412009/3 31,249,436 31,196,312 31,149,438 31,177,562 31,177,562 31,177,562 31,177,562 31,146,313 31,177,562 31,177,562 31,177,5622010/3 27,139,644 27,537,653 27,705,919 27,640,784 27,659,782 27,659,782 27,659,782 27,676,066 27,619,072 27,643,498 27,643,4982011/3 25,403,419 25,405,959 25,550,759 25,421,201 25,489,791 25,494,871 25,507,573 25,520,275 25,408,500 25,482,170 25,484,7102012/3 33,867,153 34,588,166 34,672,834 34,574,619 34,777,822 34,622,033 34,693,154 34,628,807 34,564,459 34,757,502 34,588,1662013/3 26,000,329 27,824,743 27,465,939 27,343,737 27,465,939 27,086,334 27,229,336 27,484,139 27,380,138 27,476,339 27,081,1342014/3 25,240,807 28,360,803 28,333,038 27,898,896 27,777,740 27,073,522 27,684,349 28,386,044 27,984,715 27,825,698 27,086,1422015/3 20,799,975 26,711,328 26,497,088 26,513,728 26,155,969 25,061,890 25,779,489 26,549,088 26,638,528 26,243,328 25,061,8902016/3 13,968,455 29,885,509 28,428,600 28,544,538 27,220,328 24,524,416 26,383,618 28,406,250 28,626,952 27,054,104 24,232,476



Age-to-Ult Factor


Ultimate Losses

Ultimate Count

Earned Premium

Earned Exposures

Ultimate Severity

Ultimate Frequency

Ultimate Loss Cost

Ultimate Loss Ratio

2006/3 29,829,609 1.0000 502,172 30,331,781 681 58,798,829 638,622 44,540 1.066 47.50 51.6%2007/3 29,583,439 0.9983 2,553,647 32,086,794 670 61,015,333 645,440 47,891 1.038 49.71 52.6%2008/3 24,232,218 0.9982 509,141 24,697,741 612 61,723,022 653,270 40,356 0.937 37.81 40.0%2009/3 31,249,436 0.9977 0 31,177,562 675 63,584,450 671,601 46,189 1.005 46.42 49.0%2010/3 27,139,644 1.0005 506,568 27,659,782 652 63,128,105 674,858 42,423 0.966 40.99 43.8%2011/3 25,403,419 1.0041 0 25,507,573 654 62,004,181 675,375 39,002 0.968 37.77 41.1%2012/3 33,867,153 1.0094 507,650 34,693,154 738 58,980,111 670,858 47,010 1.100 51.71 58.8%2013/3 26,000,329 1.0269 529,598 27,229,336 607 53,588,966 654,689 44,859 0.927 41.59 50.8%2014/3 25,240,807 1.0809 500,000 27,782,788 560 52,422,555 640,973 49,612 0.874 43.34 53.0%2015/3 20,799,975 1.2439 0 25,873,089 607 50,783,604 628,728 42,625 0.965 41.15 50.9%2016/3 13,968,455 1.9873 0 27,759,511 560 48,890,142 613,564 49,571 0.913 45.24 56.8%

Exhibit IVPage 5

© 2017 Nationwide





Incurred Losses

Incurred Cost (No Supp) + DCC Expense AmountAccident Age in Months

Year Ending 15 27 39 51 63 75 87 99 111 123 1352006/3 45,619,437 48,130,858 49,031,279 49,435,754 49,473,634 49,536,692 49,570,720 49,535,919 49,513,869 49,487,420 49,476,5482007/3 50,184,968 52,000,660 52,630,241 53,204,195 53,379,444 54,585,582 54,630,915 54,520,562 54,463,603 54,446,8152008/3 45,996,706 47,254,928 47,600,934 47,695,519 47,839,632 47,824,734 47,849,480 47,821,345 47,848,0962009/3 52,496,436 52,668,130 53,431,500 53,692,980 53,874,823 53,848,420 53,835,867 53,847,3272010/3 52,885,264 53,205,644 53,855,392 53,801,532 53,910,337 53,985,757 54,102,3412011/3 51,704,454 53,280,182 54,388,919 54,696,639 55,013,362 55,124,3962012/3 52,316,619 53,325,404 54,093,839 54,312,861 54,275,8442013/3 45,850,567 46,702,248 47,365,947 47,485,8382014/3 44,416,820 46,099,783 46,837,3562015/3 41,258,268 41,907,1712016/3 43,225,446


Year Ending 15 - 27 27 - 39 39 - 51 51 - 63 63 - 75 75 - 87 87 - 99 99 - 111 111 - 123 123 - 1352006/3 1.0551 1.0187 1.0082 1.0008 1.0013 1.0007 0.9993 0.9996 0.9995 0.99982007/3 1.0362 1.0121 1.0109 1.0033 1.0226 1.0008 0.9980 0.9990 0.99972008/3 1.0274 1.0073 1.0020 1.0030 0.9997 1.0005 0.9994 1.00062009/3 1.0033 1.0145 1.0049 1.0034 0.9995 0.9998 1.00022010/3 1.0061 1.0122 0.9990 1.0020 1.0014 1.00222011/3 1.0305 1.0208 1.0057 1.0058 1.00202012/3 1.0193 1.0144 1.0040 0.99932013/3 1.0186 1.0142 1.00252014/3 1.0379 1.01602015/3 1.0157








Age-to-Ult 1.0476 1.0229 1.0079 1.0038 1.0014 0.9997 0.9989 0.9991 0.9994 0.9998 1.0000



2006/3 49,476,548 49,476,548 49,476,548 49,476,548 49,476,548 49,476,548 49,476,548 49,476,548 49,476,548 49,476,548 49,476,5482007/3 54,446,815 54,435,926 54,435,926 54,435,926 54,435,926 54,435,926 54,435,926 54,435,926 54,435,926 54,435,926 54,435,9262008/3 47,848,096 47,824,172 47,819,387 47,819,387 47,819,387 47,819,387 47,819,387 47,819,387 47,819,387 47,819,387 47,819,3872009/3 53,847,327 53,852,712 53,804,249 53,798,864 53,798,864 53,798,864 53,798,864 53,798,864 53,798,864 53,798,864 53,798,8642010/3 54,102,341 54,118,572 54,048,239 54,010,367 54,010,367 54,010,367 54,010,367 54,042,828 54,010,367 54,010,367 54,010,3672011/3 55,124,396 55,262,207 55,124,396 55,074,784 55,074,784 55,074,784 55,069,272 55,118,884 55,074,784 55,074,784 55,074,7842012/3 54,275,844 54,520,085 54,368,113 54,281,272 54,264,989 54,465,809 54,275,844 54,362,685 54,281,272 54,264,989 54,471,2372013/3 47,485,838 47,666,284 47,690,027 47,604,553 47,599,804 47,770,753 47,618,798 47,685,279 47,604,553 47,599,804 47,775,5022014/3 46,837,356 47,132,431 47,193,320 47,146,483 47,080,910 47,338,516 47,146,483 47,188,636 47,146,483 47,080,910 47,343,1992015/3 41,907,171 42,845,892 42,862,654 42,812,366 42,816,557 42,971,613 42,812,366 42,858,464 42,808,175 42,816,557 42,975,8042016/3 43,225,446 44,889,626 45,395,363 45,222,462 45,174,914 45,429,944 45,166,269 45,408,331 45,222,462 45,170,591 45,412,654



Age-to-Ult Factor


Ultimate Losses

Ultimate Count

Earned Premium

Earned Exposures

Ultimate Severity

Ultimate Frequency

Ultimate Loss Cost

Ultimate Loss Ratio

2006/3 49,476,548 1.0000 0 49,476,548 13,101 79,693,065 1,996,301 3,777 6.563 24.78 62.1%2007/3 54,446,815 0.9998 0 54,435,926 13,662 80,452,591 2,006,538 3,984 6.809 27.13 67.7%2008/3 47,848,096 0.9994 0 47,819,387 13,141 79,194,381 2,020,290 3,639 6.505 23.67 60.4%2009/3 53,847,327 0.9991 0 53,798,864 13,655 76,886,229 2,066,180 3,940 6.609 26.04 70.0%2010/3 54,102,341 0.9989 0 54,042,828 13,670 74,287,454 2,068,924 3,953 6.607 26.12 72.7%2011/3 55,124,396 0.9997 0 55,107,859 14,043 70,758,717 2,067,572 3,924 6.792 26.65 77.9%2012/3 54,275,844 1.0014 0 54,351,830 13,567 70,756,811 2,049,887 4,006 6.618 26.51 76.8%2013/3 47,485,838 1.0038 0 47,666,284 12,296 73,029,740 1,996,745 3,877 6.158 23.87 65.3%2014/3 46,837,356 1.0079 0 47,207,371 11,322 70,490,087 1,953,585 4,170 5.795 24.16 67.0%2015/3 41,907,171 1.0229 0 42,866,845 11,581 67,502,926 1,915,687 3,701 6.045 22.38 63.5%2016/3 43,225,446 1.0476 0 45,282,977 11,374 65,318,554 1,868,599 3,981 6.087 24.23 69.3%

Exhibit IVPage 6

© 2017 Nationwide




Comprehensive

Paid Losses

Paid Cost and DCC Expense Amount, Excluding CatastrophesAccident Age in Months

Year Ending 15 27 39 51 63 75 87 99 111 123 1352006/3 33,390,762 33,775,239 33,809,558 33,804,404 33,778,734 33,772,354 33,767,181 33,767,373 33,769,381 33,769,695 33,769,6422007/3 39,184,308 39,511,292 39,494,827 39,494,183 39,496,393 39,499,540 39,500,999 39,501,916 39,502,014 39,505,9562008/3 39,513,642 39,915,795 39,930,870 39,942,629 39,933,059 39,930,250 39,929,304 39,927,370 39,925,7072009/3 41,697,880 42,065,262 42,112,058 42,106,449 42,109,709 42,104,677 42,104,025 42,102,7582010/3 42,977,585 43,377,984 43,425,588 43,425,892 43,421,388 43,414,431 43,403,7912011/3 51,234,372 51,575,419 51,608,521 51,617,499 51,631,885 51,633,2692012/3 47,163,723 47,553,832 47,490,387 47,486,588 47,481,1692013/3 45,503,006 45,958,170 46,048,970 46,080,0212014/3 47,506,847 48,013,156 48,026,1402015/3 46,226,316 46,424,7882016/3 47,734,669


Year Ending 15 - 27 27 - 39 39 - 51 51 - 63 63 - 75 75 - 87 87 - 99 99 - 111 111 - 123 123 - 1352006/3 1.0115 1.0010 0.9998 0.9992 0.9998 0.9998 1.0000 1.0001 1.0000 1.00002007/3 1.0083 0.9996 1.0000 1.0001 1.0001 1.0000 1.0000 1.0000 1.00012008/3 1.0102 1.0004 1.0003 0.9998 0.9999 1.0000 1.0000 1.00002009/3 1.0088 1.0011 0.9999 1.0001 0.9999 1.0000 1.00002010/3 1.0093 1.0011 1.0000 0.9999 0.9998 0.99982011/3 1.0067 1.0006 1.0002 1.0003 1.00002012/3 1.0083 0.9987 0.9999 0.99992013/3 1.0100 1.0020 1.00072014/3 1.0107 1.00032015/3 1.0043








Age-to-Ult 1.0088 1.0005 1.0002 0.9999 0.9999 1.0000 1.0001 1.0001 1.0001 1.0000 1.0000



2006/3 33,769,642 33,769,642 33,769,642 33,769,642 33,769,642 33,769,642 33,769,642 33,769,642 33,769,642 33,769,642 33,769,6422007/3 39,505,956 39,505,956 39,505,956 39,505,956 39,505,956 39,505,956 39,505,956 39,505,956 39,505,956 39,505,956 39,505,9562008/3 39,925,707 39,929,700 39,929,700 39,929,700 39,929,700 39,929,700 39,929,700 39,929,700 39,929,700 39,929,700 39,929,7002009/3 42,102,758 42,106,968 42,106,968 42,106,968 42,106,968 42,106,968 42,106,968 42,106,968 42,106,968 42,106,968 42,106,9682010/3 43,403,791 43,408,131 43,408,131 43,408,131 43,408,131 43,408,131 43,408,131 43,408,131 43,408,131 43,408,131 43,408,1312011/3 51,633,269 51,628,106 51,633,269 51,633,269 51,638,432 51,633,269 51,633,269 51,633,269 51,633,269 51,633,269 51,633,2692012/3 47,481,169 47,476,421 47,476,421 47,476,421 47,481,169 47,476,421 47,476,421 47,476,421 47,476,421 47,476,421 47,476,4212013/3 46,080,021 46,070,805 46,080,021 46,075,413 46,084,629 46,070,805 46,075,413 46,080,021 46,075,413 46,075,413 46,070,8052014/3 48,026,140 48,050,153 48,040,548 48,035,745 48,040,548 48,021,337 48,021,337 48,040,548 48,030,943 48,030,943 48,021,3372015/3 46,424,788 46,461,928 46,494,425 46,448,000 46,457,285 46,443,358 46,452,643 46,489,783 46,443,358 46,448,000 46,443,3582016/3 47,734,669 47,978,116 48,164,281 48,154,734 48,164,281 48,173,828 48,159,508 48,159,508 48,149,961 48,154,734 48,169,054



Age-to-Ult Factor


Ultimate Losses

Ultimate Count

Earned Premium

Earned Exposures

Ultimate Severity

Ultimate Frequency

Ultimate Loss Cost

Ultimate Loss Ratio

2006/3 33,769,642 1.0000 0 33,769,642 33,340 67,697,842 614,655 1,013 54.242 54.94 49.9%2007/3 39,505,956 1.0000 0 39,505,956 36,646 65,711,750 622,564 1,078 58.863 63.46 60.1%2008/3 39,925,707 1.0001 0 39,929,700 35,148 67,394,015 630,637 1,136 55.734 63.32 59.2%2009/3 42,102,758 1.0001 0 42,106,968 36,251 69,080,463 645,161 1,162 56.189 65.27 61.0%2010/3 43,403,791 1.0001 0 43,408,131 39,454 68,766,495 643,745 1,100 61.288 67.43 63.1%2011/3 51,633,269 1.0000 0 51,633,269 43,206 68,540,384 641,623 1,195 67.339 80.47 75.3%2012/3 47,481,169 0.9999 0 47,476,421 38,566 70,548,125 637,454 1,231 60.500 74.48 67.3%2013/3 46,080,021 0.9999 0 46,075,413 34,872 72,780,419 622,527 1,321 56.017 74.01 63.3%2014/3 48,026,140 1.0002 0 48,035,745 38,833 75,248,484 608,965 1,237 63.769 78.88 63.8%2015/3 46,424,788 1.0005 0 46,448,000 34,323 74,174,790 597,509 1,353 57.443 77.74 62.6%2016/3 47,734,669 1.0088 0 48,154,734 30,277 75,308,287 584,452 1,590 51.804 82.39 63.9%

Exhibit IVPage 7

© 2017 Nationwide




Collision

Paid Losses


Year Ending 15 27 39 51 63 75 87 99 111 123 1352006/3 91,833,094 90,939,499 90,887,481 90,896,766 90,871,407 90,855,560 90,840,982 90,832,419 90,827,620 90,822,900 90,819,7202007/3 100,722,428 99,598,017 99,546,233 99,494,935 99,470,820 99,454,977 99,439,140 99,426,936 99,413,668 99,402,1902008/3 107,860,657 106,836,803 106,709,085 106,711,644 106,693,170 106,673,830 106,658,005 106,662,477 106,656,8612009/3 114,345,892 112,944,616 112,885,991 112,853,794 112,836,137 112,828,510 112,803,847 112,783,9562010/3 115,882,539 114,145,587 114,163,243 114,139,204 114,127,359 114,112,731 114,102,7582011/3 119,181,774 117,639,138 117,576,907 117,551,783 117,394,653 117,380,1802012/3 120,696,904 118,747,798 118,660,208 118,651,846 118,642,1212013/3 123,339,064 120,847,978 120,702,048 120,687,7602014/3 127,014,067 123,807,666 123,596,0412015/3 130,627,744 126,828,3692016/3 127,634,189


Year Ending 15 - 27 27 - 39 39 - 51 51 - 63 63 - 75 75 - 87 87 - 99 99 - 111 111 - 123 123 - 1352006/3 0.9903 0.9994 1.0001 0.9997 0.9998 0.9998 0.9999 0.9999 0.9999 1.00002007/3 0.9888 0.9995 0.9995 0.9998 0.9998 0.9998 0.9999 0.9999 0.99992008/3 0.9905 0.9988 1.0000 0.9998 0.9998 0.9999 1.0000 0.99992009/3 0.9877 0.9995 0.9997 0.9998 0.9999 0.9998 0.99982010/3 0.9850 1.0002 0.9998 0.9999 0.9999 0.99992011/3 0.9871 0.9995 0.9998 0.9987 0.99992012/3 0.9839 0.9993 0.9999 0.99992013/3 0.9798 0.9988 0.99992014/3 0.9748 0.99832015/3 0.9709








Age-to-Ult 0.9730 0.9977 0.9989 0.9990 0.9995 0.9996 0.9997 0.9998 0.9999 1.0000 1.0000



2006/3 90,819,720 90,819,720 90,819,720 90,819,720 90,819,720 90,819,720 90,819,720 90,819,720 90,819,720 90,819,720 90,819,7202007/3 99,402,190 99,402,190 99,402,190 99,402,190 99,402,190 99,402,190 99,402,190 99,402,190 99,402,190 99,402,190 99,402,1902008/3 106,656,861 106,646,195 106,646,195 106,646,195 106,646,195 106,646,195 106,646,195 106,646,195 106,646,195 106,646,195 106,646,1952009/3 112,783,956 112,761,399 112,761,399 112,761,399 112,761,399 112,761,399 112,761,399 112,761,399 112,761,399 112,761,399 112,761,3992010/3 114,102,758 114,057,117 114,068,527 114,068,527 114,068,527 114,068,527 114,068,527 114,068,527 114,068,527 114,068,527 114,068,5272011/3 117,380,180 117,321,490 117,333,228 117,333,228 117,333,228 117,321,490 117,321,490 117,321,490 117,321,490 117,321,490 117,321,4902012/3 118,642,121 118,570,936 118,582,800 118,582,800 118,582,800 118,570,936 118,570,936 118,570,936 118,570,936 118,570,936 118,570,9362013/3 120,687,760 120,603,279 120,542,935 120,567,072 120,579,141 120,579,141 120,591,210 120,530,866 120,555,003 120,567,072 120,579,1412014/3 123,596,041 123,497,164 123,435,366 123,460,085 123,472,445 123,460,085 123,472,445 123,423,007 123,447,726 123,447,726 123,460,0852015/3 126,828,369 126,511,298 126,485,932 126,536,664 126,574,712 126,600,078 126,600,078 126,460,567 126,523,981 126,536,664 126,587,3952016/3 127,634,189 123,613,712 123,843,454 124,188,066 124,494,388 125,349,537 124,787,947 123,805,163 124,162,539 124,443,334 125,272,957



Age-to-Ult Factor


Ultimate Losses

Ultimate Count

Earned Premium

Earned Exposures

Ultimate Severity

Ultimate Frequency

Ultimate Loss Cost

Ultimate Loss Ratio

2006/3 90,819,720 1.0000 0 90,819,720 36,348 165,209,532 558,232 2,499 65.113 162.69 55.0%2007/3 99,402,190 1.0000 0 99,402,190 39,767 167,504,848 567,126 2,500 70.120 175.27 59.3%2008/3 106,656,861 0.9999 0 106,646,195 40,571 176,807,717 576,385 2,629 70.389 185.03 60.3%2009/3 112,783,956 0.9998 0 112,761,399 42,335 183,853,113 589,971 2,664 71.758 191.13 61.3%2010/3 114,102,758 0.9997 0 114,068,527 44,131 183,946,633 588,304 2,585 75.014 193.89 62.0%2011/3 117,380,180 0.9996 0 117,333,228 44,064 185,181,583 586,400 2,663 75.143 200.09 63.4%2012/3 118,642,121 0.9995 0 118,582,800 43,450 189,689,501 583,269 2,729 74.494 203.31 62.5%2013/3 120,687,760 0.9990 0 120,567,072 42,883 189,945,178 569,930 2,812 75.243 211.55 63.5%2014/3 123,596,041 0.9989 0 123,460,085 43,191 184,989,610 558,767 2,858 77.297 220.95 66.7%2015/3 126,828,369 0.9977 0 126,536,664 42,371 186,502,678 549,875 2,986 77.056 230.12 67.8%2016/3 127,634,189 0.9730 0 124,188,066 39,971 195,326,192 539,098 3,107 74.144 230.36 63.6%

Exhibit IVPage 8

© 2017 Nationwide




Loss of Use

Paid Losses


Year Ending 15 27 39 51 63 75 87 99 111 123 1352006/3 5,097,470 5,038,291 5,032,057 5,033,254 5,032,648 5,033,005 5,033,084 5,033,514 5,033,367 5,033,069 5,033,0692007/3 6,050,724 6,010,929 6,003,583 6,002,484 6,002,180 6,014,019 6,013,303 6,013,169 6,012,503 6,012,5032008/3 6,720,040 6,655,672 6,651,608 6,652,188 6,651,427 6,651,028 6,651,882 6,652,152 6,652,1192009/3 7,661,033 7,587,645 7,577,841 7,575,529 7,575,691 7,572,952 7,573,159 7,573,1592010/3 8,983,786 8,893,186 8,886,056 8,886,775 8,886,376 8,886,859 8,887,9952011/3 9,398,097 9,323,544 9,323,964 9,323,127 9,324,081 9,324,8312012/3 9,350,963 9,240,306 9,225,637 9,227,471 9,231,5002013/3 9,280,619 9,142,355 9,130,440 9,129,1302014/3 10,406,306 10,391,748 10,388,7652015/3 9,448,098 9,324,4242016/3 9,614,847


Year Ending 15 - 27 27 - 39 39 - 51 51 - 63 63 - 75 75 - 87 87 - 99 99 - 111 111 - 123 123 - 1352006/3 0.9884 0.9988 1.0002 0.9999 1.0001 1.0000 1.0001 1.0000 0.9999 1.00002007/3 0.9934 0.9988 0.9998 0.9999 1.0020 0.9999 1.0000 0.9999 1.00002008/3 0.9904 0.9994 1.0001 0.9999 0.9999 1.0001 1.0000 1.00002009/3 0.9904 0.9987 0.9997 1.0000 0.9996 1.0000 1.00002010/3 0.9899 0.9992 1.0001 1.0000 1.0001 1.00012011/3 0.9921 1.0000 0.9999 1.0001 1.00012012/3 0.9882 0.9984 1.0002 1.00042013/3 0.9851 0.9987 0.99992014/3 0.9986 0.99972015/3 0.9869








Age-to-Ult 0.9895 0.9993 1.0004 1.0004 1.0002 1.0001 1.0000 1.0000 1.0000 1.0000 1.0000



2006/3 5,033,069 5,033,069 5,033,069 5,033,069 5,033,069 5,033,069 5,033,069 5,033,069 5,033,069 5,033,069 5,033,0692007/3 6,012,503 6,012,503 6,012,503 6,012,503 6,012,503 6,012,503 6,012,503 6,012,503 6,012,503 6,012,503 6,012,5032008/3 6,652,119 6,652,119 6,652,119 6,652,119 6,652,119 6,652,119 6,652,119 6,652,119 6,652,119 6,652,119 6,652,1192009/3 7,573,159 7,573,159 7,573,159 7,573,159 7,573,159 7,573,159 7,573,159 7,572,402 7,573,159 7,573,159 7,573,1592010/3 8,887,995 8,887,995 8,887,995 8,887,995 8,887,995 8,887,995 8,887,995 8,887,106 8,887,995 8,887,995 8,887,9952011/3 9,324,831 9,325,763 9,325,763 9,325,763 9,324,831 9,324,831 9,324,831 9,324,831 9,325,763 9,325,763 9,324,8312012/3 9,231,500 9,233,346 9,233,346 9,231,500 9,230,577 9,234,269 9,231,500 9,232,423 9,231,500 9,231,500 9,233,3462013/3 9,129,130 9,134,607 9,133,695 9,130,956 9,129,130 9,131,869 9,129,130 9,132,782 9,130,956 9,130,043 9,131,8692014/3 10,388,765 10,393,959 10,394,998 10,390,843 10,388,765 10,391,882 10,388,765 10,392,921 10,390,843 10,389,804 10,391,8822015/3 9,324,424 9,326,289 9,322,559 9,316,032 9,316,964 9,318,829 9,316,964 9,320,694 9,316,964 9,317,897 9,318,8292016/3 9,614,847 9,490,815 9,543,697 9,511,968 9,508,122 9,515,814 9,502,353 9,543,697 9,515,814 9,511,007 9,516,776



Age-to-Ult Factor


Ultimate Losses

Ultimate Count

Earned Premium

Earned Exposures

Ultimate Severity

Ultimate Frequency

Ultimate Loss Cost

Ultimate Loss Ratio

2006/3 5,033,069 1.0000 0 5,033,069 19,378 8,935,437 283,179 260 68.430 17.77 56.3%2007/3 6,012,503 1.0000 0 6,012,503 22,133 9,639,325 299,304 272 73.948 20.09 62.4%2008/3 6,652,119 1.0000 0 6,652,119 23,161 10,512,463 315,786 287 73.344 21.07 63.3%2009/3 7,573,159 1.0000 0 7,573,159 25,141 11,474,801 335,524 301 74.931 22.57 66.0%2010/3 8,887,995 1.0000 0 8,887,995 26,809 11,903,924 341,950 332 78.400 25.99 74.7%2011/3 9,324,831 1.0001 0 9,325,763 27,730 12,074,440 345,316 336 80.303 27.01 77.2%2012/3 9,231,500 1.0002 0 9,233,346 27,887 12,905,522 345,851 331 80.633 26.70 71.5%2013/3 9,129,130 1.0004 0 9,132,782 27,460 13,971,283 338,682 333 81.079 26.97 65.4%2014/3 10,388,765 1.0004 0 10,392,921 28,375 14,620,442 333,688 366 85.035 31.15 71.1%2015/3 9,324,424 0.9993 0 9,317,897 26,098 14,822,989 332,202 357 78.561 28.05 62.9%2016/3 9,614,847 0.9895 0 9,513,891 26,041 15,055,603 329,032 365 79.144 28.91 63.2%

Exhibit VPage 9

© 2017 Nationwide



Determination of Catastrophe LoadComprehensive

Fiscal Year Ending

Accident YearCatastrophePaid Cost +

DCC Expense

Calendar YearNon-Cat

Paid Cost + DCC Expense

Non-Catastrophe Coverage

Adjustment

Catastrophe Ratio

Capped Catastrophe

Ratio

Residual Catastrophe

Ratio

Years of Residual Spread

Residual Catastrophe

Load

2007/4 419,363 38,687,968 1.000 0.011 0.011 0.000 0 0.0002008/4 553,367 42,142,583 1.000 0.013 0.013 0.000 0 0.0002009/4 765,607 41,813,926 1.000 0.018 0.018 0.000 0 0.0002010/4 5,237,645 43,963,875 1.000 0.119 0.119 0.000 0 0.0002011/4 9,248,585 53,222,702 1.000 0.174 0.174 0.000 0 0.0002012/4 6,823,314 47,252,406 1.000 0.144 0.144 0.000 0 0.0002013/4 842,934 45,762,756 1.000 0.018 0.018 0.000 0 0.0002014/4 25,832,278 47,423,607 1.000 0.545 0.237 0.308 100 0.0032015/4 1,259,571 47,901,753 1.000 0.026 0.026 0.000 0 0.0002016/4 592,692 47,410,265 1.000 0.013 0.013 0.000 0 0.000

Average 0.077 Total 0.003

Selected Catastrophe Load = 1.080

Exhibit VIPage 1

© 2017 Nationwide



Loss Trending DataBodily Injury

Pennsylvania* Countrywide**Four

Quarters Ending

Average Paid Cost

Incurred Frequency (per 1,000)

Average Paid Cost


2011/1 17,284 6.349 13,339 8.8632011/2 17,255 6.198 13,641 8.8002011/3 17,255 6.119 13,966 8.7642011/4 17,393 6.234 14,052 8.8422012/1 16,961 6.412 14,371 9.0132012/2 16,745 6.392 14,544 9.0762012/3 16,761 6.343 14,544 9.1582012/4 17,169 6.050 14,537 9.0702013/1 17,544 5.911 14,361 8.9712013/2 18,121 5.961 14,256 8.9242013/3 18,610 5.837 14,502 8.7432013/4 19,207 5.833 14,718 8.6242014/1 19,583 5.507 14,866 8.6972014/2 20,303 5.068 14,795 8.6462014/3 20,124 5.028 14,545 8.7092014/4 19,879 4.969 14,627 8.9232015/1 20,281 5.450 14,829 8.9642015/2 20,127 5.782 15,085 9.1002015/3 20,125 5.903 15,313 9.3062015/4 20,198 6.248 15,200 9.4122016/1 20,074 6.246 15,402 9.5292016/2 19,934 6.336 15,687 9.5452016/3 20,320 6.281 16,053 9.5692016/4 20,672 5.984 16,393 9.458

* Large losses removed** Connecticut, North Carolina, Ohio, Indiana, Missouri, South Dakota, Alabama, Arkansas, New

Hampshire, Vermont, West Virginia, Arizona, Colorado, Rhode Island, Maine, Wisconsin, California, Idaho, Illinois, Montana, Nebraska, Nevada, Tennessee, Virginia, Georgia, Mississippi, Oklahoma,

South Carolina

Exhibit VIPage 2

© 2017 Nationwide



Loss Trending DataProperty Damage

Pennsylvania CountrywideFour

Quarters Ending

Average Paid Cost

Paid Frequency (per 1,000)

Average Paid Cost


2011/1 2,793 39.603 2,703 35.2362011/2 2,850 39.620 2,744 35.0182011/3 2,862 39.300 2,761 34.8552011/4 2,865 39.281 2,790 34.8752012/1 2,933 39.331 2,833 35.0482012/2 2,928 39.530 2,849 35.3832012/3 2,957 39.420 2,904 35.4162012/4 2,994 38.412 2,941 35.2832013/1 3,014 37.745 2,973 35.1462013/2 3,049 37.688 3,018 35.1782013/3 3,067 37.722 3,044 35.1222013/4 3,093 38.261 3,121 34.4872014/1 3,098 38.095 3,202 33.7702014/2 3,184 36.969 3,322 32.9822014/3 3,335 35.223 3,471 32.1372014/4 3,513 33.230 3,579 31.7382015/1 3,754 31.487 3,718 31.2492015/2 4,022 30.574 3,837 30.9842015/3 4,163 30.100 3,914 30.9412015/4 4,314 30.347 4,013 31.1382016/1 4,389 30.632 4,078 31.3182016/2 4,393 30.596 4,138 31.0662016/3 4,408 30.988 4,195 31.1492016/4 4,363 30.685 4,252 30.829

Exhibit VIPage 3

© 2017 Nationwide



Loss Trending DataUninsured Motorists - Bodily Injury

Pennsylvania Countrywide*Four

Quarters Ending

Average Paid Cost


Average Paid Cost


2011/1 11,183 0.691 18,093 1.0832011/2 12,731 0.706 18,395 1.0692011/3 14,441 0.706 19,155 1.0942011/4 15,086 0.733 19,169 1.0952012/1 15,495 0.739 19,451 1.1022012/2 14,707 0.742 19,115 1.1502012/3 13,812 0.696 18,846 1.1432012/4 13,587 0.596 18,875 1.1872013/1 12,946 0.566 18,157 1.1822013/2 12,420 0.478 18,415 1.1692013/3 15,077 0.446 18,481 1.1422013/4 17,039 0.474 18,782 0.9922014/1 18,780 0.446 19,239 0.9082014/2 20,272 0.405 19,521 0.8162014/3 18,615 0.420 19,674 0.7832014/4 19,159 0.410 19,505 0.9002015/1 18,954 0.406 20,225 1.0042015/2 20,196 0.471 20,218 1.1302015/3 21,454 0.462 21,167 1.2632015/4 20,696 0.434 21,712 1.3092016/1 20,484 0.447 22,343 1.3462016/2 18,207 0.420 22,593 1.4042016/3 18,792 0.457 22,836 1.3952016/4 20,608 0.500 23,208 1.462

* Connecticut, North Carolina, Ohio, Indiana, Missouri, Alabama, Arkansas, New Hampshire, Vermont, West Virginia, Arizona, Colorado, Rhode Island, Maine, California, Idaho, Illinois, Montana, Nevada,

Tennessee, Virginia, Georgia, Mississippi, Oklahoma, South Carolina

Exhibit VIPage 4

© 2017 Nationwide



Loss Trending DataUnderinsured Motorists - Bodily Injury

Pennsylvania* Countrywide**Four

Quarters Ending

Average Paid Cost


Average Paid Cost


2011/1 38,334 0.931 40,725 0.6252011/2 39,594 0.917 39,581 0.6012011/3 40,614 0.964 37,117 0.5962011/4 40,275 0.992 36,634 0.5922012/1 42,672 1.030 34,077 0.5982012/2 41,990 1.027 34,897 0.5872012/3 42,356 1.036 36,070 0.5932012/4 40,686 1.025 35,394 0.6092013/1 40,608 0.971 37,067 0.5822013/2 40,309 1.013 37,102 0.6372013/3 39,563 1.005 37,844 0.6102013/4 40,567 0.993 36,493 0.5452014/1 40,353 0.956 35,640 0.5202014/2 43,735 0.909 37,220 0.4612014/3 49,143 0.885 35,879 0.4742014/4 52,076 0.830 37,926 0.5362015/1 54,104 0.828 39,119 0.5862015/2 53,576 0.856 40,199 0.6292015/3 46,406 0.845 41,276 0.6472015/4 46,499 0.945 40,223 0.6452016/1 44,884 0.959 39,681 0.6392016/2 42,993 1.031 38,292 0.6202016/3 44,277 1.063 38,622 0.6762016/4 43,025 1.048 42,699 0.685

* Large losses removed, Smoothed** Iowa, North Carolina, Indiana, Missouri, Arkansas, West Virginia, Arizona, Montana, South Carolina

Exhibit VIPage 5

© 2017 Nationwide



Loss Trending DataAccidental Death Benefits, Combined Loss Benefits, Funeral Benefits, Loss of Income Benefits,

Medical Benefits, Excess Medical Benefits

Pennsylvania Countrywide*Four

Quarters Ending

Average Paid Cost


Average Paid Cost


2011/1 3,872 6.8942011/2 3,870 6.9452011/3 3,788 6.8572011/4 3,711 6.7692012/1 3,878 6.7552012/2 3,779 6.6482012/3 3,834 6.5812012/4 3,961 6.4072013/1 3,669 6.3242013/2 3,759 6.2742013/3 3,750 6.1562013/4 3,693 6.1152014/1 3,907 5.9962014/2 4,070 5.8922014/3 3,992 5.8162014/4 3,980 5.8452015/1 3,903 5.9322015/2 3,691 5.9492015/3 3,737 6.0642015/4 3,794 6.1112016/1 3,705 6.0192016/2 3,834 6.1192016/3 3,814 6.1002016/4 3,729 5.985

*

Exhibit VIPage 6

© 2017 Nationwide



Loss Trending DataComprehensive

Pennsylvania* CountrywideFour

Quarters Ending

Average Paid Cost


Average Paid Cost


2011/1 1,127 62.454 888 68.8462011/2 1,184 65.854 927 68.9552011/3 1,194 67.027 946 69.8712011/4 1,198 69.134 963 70.4902012/1 1,210 69.023 987 70.0482012/2 1,184 63.516 997 66.7992012/3 1,220 61.131 1,032 64.2162012/4 1,267 58.662 1,050 62.1972013/1 1,297 56.826 1,063 60.6682013/2 1,311 56.800 1,070 59.9052013/3 1,305 56.049 1,058 59.0352013/4 1,312 56.174 1,074 58.8152014/1 1,306 57.585 1,083 59.7492014/2 1,316 61.752 1,119 62.9132014/3 1,237 63.618 1,085 63.1172014/4 1,226 63.786 1,078 62.7402015/1 1,250 62.418 1,093 61.1672015/2 1,238 59.901 1,063 58.6722015/3 1,351 57.900 1,128 58.1572015/4 1,402 57.252 1,120 58.1742016/1 1,435 56.836 1,110 59.2972016/2 1,519 53.180 1,149 57.5422016/3 1,547 52.820 1,170 56.6732016/4 1,564 51.991 1,217 55.817

* Catastrophes removed

Exhibit VIPage 7

© 2017 Nationwide



Loss Trending DataCollision


Quarters Ending

Average Paid Cost


Average Paid Cost


2011/1 2,622 75.880 2,661 61.4252011/2 2,629 75.775 2,676 61.1152011/3 2,656 75.484 2,711 61.3732011/4 2,695 75.773 2,744 61.5092012/1 2,666 74.348 2,750 60.5762012/2 2,703 74.739 2,793 61.0102012/3 2,714 74.612 2,833 60.8262012/4 2,729 73.550 2,863 60.8242013/1 2,827 74.202 2,922 61.4052013/2 2,849 74.536 2,948 61.9662013/3 2,850 75.125 2,962 62.0752013/4 2,818 76.393 3,009 61.6342014/1 2,811 77.471 3,078 62.2352014/2 2,786 77.561 3,120 61.8892014/3 2,826 77.279 3,169 61.6932014/4 2,904 76.450 3,199 61.9002015/1 2,952 76.225 3,221 61.3192015/2 2,988 76.849 3,251 61.8572015/3 2,954 77.532 3,269 62.5592015/4 2,986 77.515 3,305 63.0562016/1 2,944 75.299 3,294 62.7822016/2 3,028 73.959 3,352 62.2252016/3 3,102 74.177 3,430 62.6222016/4 3,101 74.769 3,464 62.568

Exhibit VIPage 8

© 2017 Nationwide



Loss Trending DataLoss of Use


Quarters Ending

Average Paid Cost


Average Paid Cost


2011/1 333 77.939 303 63.6642011/2 331 77.419 305 63.0782011/3 337 78.455 309 65.6732011/4 336 78.637 311 65.6492012/1 334 81.469 312 67.2242012/2 334 81.349 315 68.1332012/3 332 80.893 319 67.6522012/4 333 79.865 321 66.9702013/1 336 80.212 329 67.7712013/2 340 82.788 332 69.2032013/3 334 82.753 336 66.8982013/4 333 84.910 342 65.4792014/1 344 82.595 350 63.2052014/2 345 78.021 356 62.1852014/3 361 80.458 356 64.0182014/4 367 81.994 355 68.7402015/1 363 81.371 355 69.0762015/2 362 86.061 359 71.4292015/3 355 83.582 364 72.1022015/4 360 80.591 372 70.3702016/1 359 82.000 377 71.8532016/2 360 79.710 381 70.8482016/3 365 79.187 387 71.4572016/4 366 80.247 392 73.898

Exhibit VIIPage 1

© 2017 Nationwide



Loss Trend SummaryBodily Injury

Four Quarter Ending Calendar Year Data as of: 2016/4Latest Four Quarters Ending Exposures: 679,849Credibility Constant: 20,000

Pennsylvania Four CQ Ending

as of 2016/4

Annualized Average

Paid CostR2 Z

Annualized Non-NW Fast

Track as of 2016/3

Annualized Incurred

Frequency (per 1,000)

R2 Z


Track as of 2016/3

Annualized Adjusted

Pure Premium

R2 Z


Track as of 2016/3

24 Point Trend 4.1% 0.83 0.87 -1.1% 0.06 0.91 2.9% 0.45 0.9523 Point Trend 4.2% 0.83 0.87 -0.9% 0.04 0.91 3.3% 0.49 0.9622 Point Trend 4.4% 0.82 0.87 -0.8% 0.03 0.91 3.5% 0.51 0.9621 Point Trend 4.5% 0.81 0.87 -0.7% 0.02 0.91 3.8% 0.51 0.9620 Point Trend 4.6% 0.80 0.87 3.8% -0.4% 0.01 0.91 2.3% 4.2% 0.55 0.97 6.3%19 Point Trend 4.5% 0.77 0.87 4.0% 0.1% 0.00 0.91 2.6% 4.7% 0.59 0.97 6.6%18 Point Trend 4.2% 0.73 0.86 3.9% 0.9% 0.02 0.91 2.9% 5.2% 0.62 0.96 6.9%17 Point Trend 3.7% 0.69 0.86 3.8% 1.8% 0.09 0.90 3.2% 5.7% 0.63 0.95 7.2%16 Point Trend 3.2% 0.65 0.87 3.8% 2.7% 0.16 0.88 3.6% 6.0% 0.62 0.93 7.4%15 Point Trend 2.5% 0.60 0.91 3.6% 3.6% 0.23 0.84 3.7% 6.2% 0.60 0.89 7.5%14 Point Trend 1.9% 0.53 0.94 3.4% 5.0% 0.36 0.76 3.7% 6.9% 0.62 0.87 7.2%13 Point Trend 1.3% 0.44 0.97 3.0% 6.6% 0.49 0.74 3.4% 7.9% 0.66 0.84 6.5%12 Point Trend 0.8% 0.29 0.97 2.6% 8.8% 0.69 0.82 3.2% 9.7% 0.77 0.86 5.9%11 Point Trend 0.4% 0.12 0.97 1.7% 10.7% 0.78 0.86 3.0% 11.2% 0.81 0.74 4.7%10 Point Trend 0.7% 0.26 0.94 0.7% 10.8% 0.73 0.86 2.7% 11.7% 0.78 0.64 3.5%9 Point Trend 0.9% 0.31 0.94 -0.7% 9.8% 0.64 0.83 2.4% 10.9% 0.70 0.61 1.7%8 Point Trend 0.7% 0.16 0.94 -2.9% 6.3% 0.51 0.90 2.0% 7.0% 0.67 0.79 -1.0%7 Point Trend 1.2% 0.33 0.96 -3.9% 3.5% 0.27 0.91 1.6% 4.8% 0.52 0.78 -2.4%6 Point Trend 1.7% 0.38 0.95 -4.9% 1.1% 0.03 0.86 2.0% 2.8% 0.26 0.77 -3.0%5 Point Trend 2.4% 0.45 0.63 -5.4% -3.2% 0.33 0.91 2.4% -0.9% 0.09 0.89 -3.1%4 Point Trend 4.4% 0.76 0.31 -3.7% -5.3% 0.49 0.82 2.0% -1.2% 0.09 0.85 -1.8%3 Point Trend 7.5% 1.00 0.96 -4.2% -10.8% 0.86 0.91 0.9% -4.1% 0.43 0.88 -3.3%

* Large losses removed

Pennsylvania AY's as of 2016/3

Estimated Ultimate Severity

Estimated Ultimate

Frequency

Est Ult Pure Premium

6 Year Trend 3.7% -1.0% 2.6%5 Year Trend 3.5% -0.8% 2.7%4 Year Trend 3.0% 2.1% 5.1%3 Year Trend 1.4% 5.7% 7.2%

Countrywide Four CQ Ending as of

2016/4

Annualized Average

Paid CostR2


Track as of 2016/3

Annualized Incurred


R2


Track as of 2016/3

Annualized Adjusted

Pure Premium

R2


Track as of 2016/3

24 Point Trend 2.5% 0.86 1.2% 0.40 3.7% 0.7523 Point Trend 2.4% 0.84 1.3% 0.40 3.7% 0.7222 Point Trend 2.3% 0.82 1.3% 0.39 3.6% 0.6921 Point Trend 2.3% 0.80 1.3% 0.36 3.7% 0.6620 Point Trend 2.3% 0.77 3.2% 1.4% 0.35 0.4% 3.7% 0.64 3.7%19 Point Trend 2.4% 0.77 3.3% 1.6% 0.39 0.3% 4.0% 0.66 3.7%18 Point Trend 2.6% 0.80 3.4% 1.8% 0.46 0.3% 4.5% 0.71 3.7%17 Point Trend 2.9% 0.83 3.4% 2.3% 0.59 0.4% 5.2% 0.79 3.8%16 Point Trend 3.1% 0.85 3.4% 2.8% 0.71 0.5% 6.0% 0.87 3.9%15 Point Trend 3.3% 0.85 3.4% 3.2% 0.81 0.6% 6.6% 0.91 4.1%14 Point Trend 3.3% 0.82 3.5% 3.8% 0.90 0.7% 7.2% 0.93 4.2%13 Point Trend 3.5% 0.81 3.5% 4.1% 0.92 0.7% 7.7% 0.95 4.3%12 Point Trend 3.8% 0.83 3.7% 4.2% 0.91 0.9% 8.2% 0.95 4.6%11 Point Trend 4.5% 0.90 3.9% 4.4% 0.90 1.1% 9.1% 0.98 5.1%10 Point Trend 5.1% 0.95 4.1% 4.2% 0.87 1.6% 9.5% 0.99 5.7%9 Point Trend 5.3% 0.94 4.2% 3.7% 0.83 2.1% 9.2% 0.98 6.3%8 Point Trend 5.4% 0.92 4.2% 3.5% 0.76 2.4% 9.0% 0.98 6.7%7 Point Trend 5.5% 0.90 4.0% 2.7% 0.64 2.5% 8.3% 0.98 6.6%6 Point Trend 6.2% 0.89 3.7% 1.5% 0.45 2.3% 7.8% 0.97 6.2%5 Point Trend 8.0% 0.99 3.5% 0.6% 0.10 1.8% 8.6% 0.98 5.4%4 Point Trend 8.8% 1.00 3.2% -0.8% 0.26 1.1% 7.9% 0.97 4.3%3 Point Trend 9.2% 1.00 3.4% -1.8% 0.56 0.6% 7.2% 0.93 4.1%

Exhibit VIIPage 2

© 2017 Nationwide



Loss Trend SummaryProperty Damage



as of 2016/4

Annualized Average

Paid CostR2 Z


Track as of 2016/3

Annualized Paid


R2 Z


Track as of 2016/3

Annualized Paid Pure Premium

R2 Z


Track as of 2016/3

24 Point Trend 9.5% 0.89 0.99 -5.6% 0.85 0.99 3.3% 0.80 0.9923 Point Trend 9.9% 0.89 0.99 -5.9% 0.86 0.99 3.4% 0.79 0.9922 Point Trend 10.3% 0.90 0.99 -6.1% 0.86 0.99 3.6% 0.79 0.9921 Point Trend 10.8% 0.91 0.99 -6.4% 0.87 0.99 3.7% 0.79 0.9920 Point Trend 11.2% 0.91 0.99 3.2% -6.7% 0.87 0.99 1.2% 3.8% 0.78 0.99 4.5%19 Point Trend 11.8% 0.92 0.99 3.3% -6.9% 0.87 0.99 1.3% 4.1% 0.79 0.99 4.7%18 Point Trend 12.4% 0.92 0.99 3.4% -7.1% 0.86 0.99 1.4% 4.5% 0.82 0.99 4.9%17 Point Trend 13.0% 0.93 0.99 3.6% -7.2% 0.84 0.99 1.5% 4.9% 0.85 0.99 5.1%16 Point Trend 13.6% 0.93 0.99 3.7% -7.4% 0.82 0.99 1.6% 5.2% 0.86 0.99 5.3%15 Point Trend 14.2% 0.93 0.99 3.8% -7.7% 0.81 0.99 1.6% 5.5% 0.86 0.99 5.5%14 Point Trend 14.8% 0.93 0.99 3.9% -7.9% 0.79 0.99 1.5% 5.8% 0.85 0.99 5.5%13 Point Trend 15.2% 0.92 0.99 4.0% -7.9% 0.75 0.99 1.5% 6.1% 0.85 0.99 5.5%12 Point Trend 15.3% 0.90 0.99 4.2% -7.4% 0.69 0.99 1.4% 6.8% 0.88 0.99 5.6%11 Point Trend 14.6% 0.87 0.99 4.5% -6.2% 0.60 0.98 1.2% 7.5% 0.90 0.99 5.8%10 Point Trend 13.1% 0.83 0.98 4.9% -4.4% 0.48 0.97 1.1% 8.1% 0.90 0.99 6.1%9 Point Trend 11.1% 0.79 0.98 5.3% -2.3% 0.29 0.98 1.1% 8.5% 0.89 0.99 6.4%8 Point Trend 8.4% 0.74 0.97 5.8% -0.3% 0.01 0.99 0.9% 8.1% 0.84 0.99 6.7%7 Point Trend 5.5% 0.70 0.97 6.0% 1.1% 0.43 1.00 0.6% 6.7% 0.77 0.99 6.6%6 Point Trend 3.5% 0.56 0.98 6.4% 1.8% 0.72 1.00 -0.3% 5.4% 0.64 0.99 6.1%5 Point Trend 1.1% 0.25 0.89 6.3% 1.4% 0.51 1.00 -1.4% 2.5% 0.40 0.99 4.8%4 Point Trend -0.6% 0.19 0.82 5.6% 0.7% 0.16 1.00 -2.7% 0.1% 0.00 0.99 2.8%3 Point Trend -1.4% 0.43 0.10 4.7% 0.6% 0.05 1.00 -4.0% -0.8% 0.03 0.99 0.5%



Estimated Ultimate

Frequency


6 Year Trend 9.9% -5.9% 3.4%5 Year Trend 11.5% -6.8% 3.9%4 Year Trend 13.1% -6.9% 5.2%3 Year Trend 11.3% -3.8% 7.1%


2016/4

Annualized Average

Paid CostR2


Track as of 2016/3

Annualized Paid


R2


Track as of 2016/3


R2


Track as of 2016/3

24 Point Trend 9.1% 0.97 -2.9% 0.83 6.0% 0.9823 Point Trend 9.4% 0.97 -3.0% 0.84 6.1% 0.9822 Point Trend 9.7% 0.97 -3.2% 0.85 6.2% 0.9821 Point Trend 10.0% 0.98 -3.4% 0.87 6.2% 0.9820 Point Trend 10.2% 0.98 4.1% -3.6% 0.88 1.2% 6.3% 0.97 5.3%19 Point Trend 10.5% 0.98 4.3% -3.8% 0.89 1.2% 6.3% 0.97 5.5%18 Point Trend 10.8% 0.98 4.4% -3.9% 0.88 1.2% 6.5% 0.97 5.7%17 Point Trend 11.0% 0.98 4.6% -3.9% 0.86 1.3% 6.7% 0.97 5.9%16 Point Trend 11.3% 0.98 4.8% -3.9% 0.84 1.4% 6.9% 0.97 6.2%15 Point Trend 11.4% 0.98 4.9% -3.8% 0.81 1.5% 7.2% 0.98 6.5%14 Point Trend 11.5% 0.97 5.0% -3.6% 0.76 1.6% 7.5% 0.98 6.7%13 Point Trend 11.2% 0.97 5.1% -3.1% 0.71 1.6% 7.8% 0.98 6.8%12 Point Trend 10.8% 0.96 5.3% -2.5% 0.66 1.6% 8.0% 0.99 7.0%11 Point Trend 10.1% 0.96 5.7% -1.9% 0.60 1.5% 8.1% 0.98 7.2%10 Point Trend 9.3% 0.97 5.9% -1.2% 0.52 1.5% 8.0% 0.98 7.5%9 Point Trend 8.6% 0.97 6.2% -0.7% 0.34 1.5% 7.9% 0.97 7.9%8 Point Trend 7.8% 0.98 6.5% -0.2% 0.08 1.5% 7.5% 0.96 8.2%7 Point Trend 7.1% 0.99 6.7% -0.1% 0.00 1.6% 7.0% 0.94 8.4%6 Point Trend 6.6% 0.99 6.8% -0.3% 0.06 1.5% 6.3% 0.92 8.4%5 Point Trend 5.9% 1.00 6.7% -1.0% 0.49 1.1% 4.9% 0.94 7.9%4 Point Trend 5.7% 1.00 6.5% -1.8% 0.77 0.8% 3.9% 0.94 7.4%3 Point Trend 5.6% 1.00 5.7% -1.5% 0.51 0.2% 4.0% 0.87 5.9%

Exhibit VIIPage 3

© 2017 Nationwide



Loss Trend SummaryUninsured Motorists - Bodily Injury



as of 2016/4

Annualized Average

Paid CostR2 Z


Track

Annualized Incurred


R2 ZAnnualized

Non-NW Fast Track

Annualized Adjusted

Pure Premium

R2 ZAnnualized

Non-NW Fast Track

24 Point Trend 9.8% 0.72 0.93 -9.9% 0.66 1.00 -1.0% 0.01 1.0023 Point Trend 9.2% 0.68 0.94 -10.0% 0.64 1.00 -1.7% 0.03 1.0022 Point Trend 9.0% 0.65 0.93 -9.9% 0.60 1.00 -1.8% 0.03 1.0021 Point Trend 9.4% 0.64 0.93 -9.6% 0.56 1.00 -1.1% 0.01 1.0020 Point Trend 10.0% 0.64 0.92 -8.9% 0.49 1.00 0.3% 0.00 1.0019 Point Trend 10.9% 0.66 0.89 -7.6% 0.41 1.00 2.4% 0.05 1.0018 Point Trend 11.4% 0.65 0.85 -5.8% 0.30 1.00 5.0% 0.22 1.0017 Point Trend 11.3% 0.61 0.79 -3.5% 0.17 1.00 7.4% 0.43 1.0016 Point Trend 10.7% 0.54 0.62 -1.7% 0.05 1.00 8.9% 0.51 1.0015 Point Trend 8.9% 0.45 0.64 0.6% 0.01 1.00 9.5% 0.50 1.0014 Point Trend 5.3% 0.34 0.74 1.7% 0.07 1.00 7.1% 0.38 1.0013 Point Trend 2.9% 0.18 0.81 2.3% 0.11 1.00 5.2% 0.24 1.0012 Point Trend 1.2% 0.04 0.85 4.2% 0.32 1.00 5.4% 0.22 1.0011 Point Trend 0.5% 0.01 0.83 5.9% 0.47 1.00 6.4% 0.24 1.0010 Point Trend 1.4% 0.04 0.78 5.7% 0.39 1.00 7.2% 0.22 1.009 Point Trend 0.1% 0.00 0.75 6.1% 0.34 1.00 6.2% 0.14 0.998 Point Trend -1.3% 0.02 0.75 5.1% 0.21 1.00 3.7% 0.04 0.997 Point Trend -4.6% 0.19 0.80 1.8% 0.03 0.99 -2.9% 0.03 0.996 Point Trend -6.7% 0.26 0.54 5.7% 0.19 0.96 -1.4% 0.00 0.945 Point Trend -3.7% 0.06 0.38 13.0% 0.53 0.97 8.8% 0.10 0.934 Point Trend 2.0% 0.01 0.06 18.3% 0.57 0.98 20.6% 0.24 0.933 Point Trend 28.1% 0.93 0.41 41.7% 1.00 1.00 81.3% 0.98 1.00



Estimated Ultimate

Frequency


6 Year Trend 9.6% -9.4% -0.6%5 Year Trend 8.7% -8.6% -0.7%4 Year Trend 5.6% -3.9% 1.6%3 Year Trend 9.1% -4.8% 3.9%


2016/4

Annualized Average

Paid CostR2


Track

Annualized Incurred


R2Annualized

Non-NW Fast Track

Annualized Adjusted

Pure Premium

R2Annualized

Non-NW Fast Track

24 Point Trend 3.8% 0.74 3.2% 0.12 7.1% 0.3223 Point Trend 3.9% 0.72 3.5% 0.12 7.5% 0.3122 Point Trend 4.0% 0.71 3.7% 0.12 7.9% 0.3121 Point Trend 4.4% 0.75 4.1% 0.13 8.7% 0.3220 Point Trend 4.8% 0.79 4.6% 0.14 9.7% 0.3519 Point Trend 5.4% 0.85 5.3% 0.16 11.0% 0.3818 Point Trend 5.9% 0.90 6.5% 0.20 12.8% 0.4317 Point Trend 6.5% 0.93 7.9% 0.25 14.9% 0.4816 Point Trend 7.1% 0.97 10.2% 0.33 18.0% 0.5715 Point Trend 7.3% 0.97 13.2% 0.45 21.4% 0.6514 Point Trend 7.5% 0.97 17.2% 0.61 26.0% 0.7513 Point Trend 7.6% 0.96 22.5% 0.80 31.9% 0.8712 Point Trend 7.8% 0.96 27.0% 0.89 36.9% 0.9211 Point Trend 8.2% 0.96 30.4% 0.92 41.1% 0.9510 Point Trend 8.8% 0.96 30.3% 0.89 41.8% 0.939 Point Trend 9.3% 0.97 25.7% 0.88 37.4% 0.928 Point Trend 8.9% 0.95 21.2% 0.87 32.0% 0.917 Point Trend 9.0% 0.94 16.0% 0.89 26.5% 0.916 Point Trend 7.4% 0.96 11.7% 0.95 19.9% 0.975 Point Trend 6.4% 0.96 10.8% 0.92 17.9% 0.954 Point Trend 5.1% 0.99 10.1% 0.85 15.8% 0.923 Point Trend 5.5% 0.99 8.4% 0.63 14.4% 0.80

Exhibit VIIPage 4

© 2017 Nationwide



Loss Trend SummaryUnderinsured Motorists - Bodily Injury



as of 2016/4

Annualized Average

Paid CostR2 Z


Track

Annualized Incurred


R2 ZAnnualized

Non-NW Fast Track

Annualized Adjusted

Pure Premium

R2 ZAnnualized

Non-NW Fast Track

24 Point Trend 2.4% 0.52 0.99 -0.6% 0.02 0.97 1.7% 0.15 0.9823 Point Trend 2.2% 0.47 0.98 -0.8% 0.03 0.97 1.4% 0.10 0.9822 Point Trend 2.2% 0.42 0.97 -1.2% 0.06 0.97 1.0% 0.05 0.9821 Point Trend 2.2% 0.41 0.97 -1.3% 0.06 0.97 0.9% 0.03 0.9820 Point Trend 2.2% 0.37 0.96 -1.3% 0.06 0.97 0.9% 0.03 0.9819 Point Trend 2.6% 0.43 0.97 -1.1% 0.03 0.97 1.5% 0.08 0.9818 Point Trend 2.9% 0.46 0.97 -0.7% 0.01 0.97 2.2% 0.15 0.9817 Point Trend 3.4% 0.52 0.97 -0.1% 0.00 0.97 3.3% 0.29 0.9916 Point Trend 3.6% 0.50 0.97 0.7% 0.01 0.97 4.3% 0.40 0.9915 Point Trend 3.7% 0.47 0.97 1.2% 0.02 0.97 4.9% 0.43 0.9914 Point Trend 3.6% 0.41 0.97 2.5% 0.08 0.96 6.2% 0.55 0.9913 Point Trend 3.1% 0.31 0.97 4.2% 0.21 0.95 7.5% 0.64 0.9812 Point Trend 2.6% 0.21 0.97 6.6% 0.41 0.95 9.4% 0.79 0.9911 Point Trend 1.6% 0.08 0.97 9.5% 0.63 0.96 11.2% 0.87 0.9910 Point Trend 0.3% 0.00 0.98 12.3% 0.79 0.97 12.7% 0.90 0.999 Point Trend -2.2% 0.19 0.98 15.6% 0.92 0.98 13.1% 0.88 0.998 Point Trend -4.5% 0.64 0.99 17.3% 0.92 0.97 12.0% 0.83 0.997 Point Trend -6.2% 0.83 1.00 17.9% 0.90 0.96 10.7% 0.74 0.996 Point Trend -6.3% 0.76 1.00 18.7% 0.86 0.96 11.3% 0.67 0.995 Point Trend -6.5% 0.67 1.00 13.2% 0.84 0.98 5.8% 0.44 0.994 Point Trend -3.8% 0.34 1.00 12.6% 0.70 0.97 8.3% 0.48 0.993 Point Trend 0.2% 0.00 0.99 3.3% 0.29 0.98 3.5% 0.08 0.39

* Large losses removed, Smoothed



Estimated Ultimate

Frequency


6 Year Trend 2.9% -2.1% 0.7%5 Year Trend 0.6% -3.3% -2.7%4 Year Trend 1.5% 0.5% 2.0%3 Year Trend 0.0% 2.2% 2.2%


2016/4

Annualized Average

Paid CostR2


Track

Annualized Incurred


R2Annualized

Non-NW Fast Track

Annualized Adjusted

Pure Premium

R2Annualized

Non-NW Fast Track

24 Point Trend 1.6% 0.24 1.1% 0.04 2.8% 0.1223 Point Trend 2.2% 0.43 1.5% 0.07 3.7% 0.2122 Point Trend 2.8% 0.61 1.8% 0.08 4.6% 0.2821 Point Trend 3.1% 0.67 2.2% 0.10 5.3% 0.3120 Point Trend 3.4% 0.71 2.5% 0.12 6.0% 0.3419 Point Trend 3.3% 0.66 3.0% 0.14 6.4% 0.3418 Point Trend 3.2% 0.61 3.5% 0.17 6.8% 0.3317 Point Trend 3.3% 0.59 4.2% 0.20 7.6% 0.3516 Point Trend 3.1% 0.53 5.4% 0.27 8.7% 0.3815 Point Trend 3.4% 0.53 6.5% 0.32 10.1% 0.4214 Point Trend 3.7% 0.52 9.1% 0.51 13.2% 0.5613 Point Trend 4.3% 0.58 12.2% 0.72 17.1% 0.7312 Point Trend 4.4% 0.53 14.3% 0.78 19.4% 0.7611 Point Trend 3.9% 0.41 15.8% 0.79 20.3% 0.7310 Point Trend 3.8% 0.33 13.6% 0.72 17.9% 0.649 Point Trend 2.0% 0.13 9.6% 0.69 11.8% 0.548 Point Trend 0.8% 0.02 6.5% 0.61 7.4% 0.357 Point Trend 0.0% 4.4% 0.42 4.4% 0.136 Point Trend 0.1% 0.00 4.6% 0.33 4.8% 0.105 Point Trend 3.8% 0.11 7.3% 0.46 11.4% 0.324 Point Trend 9.6% 0.36 12.5% 0.66 23.3% 0.603 Point Trend 24.3% 0.81 22.1% 0.85 51.8% 1.00

Exhibit VIIPage 5

© 2017 Nationwide



Loss Trend Summary


Four Quarter Ending Calendar Year Data as of: 2016/4Latest Four Quarters Ending Exposures: 1,850,018Credibility Constant: 1,000


as of 2016/4

Annualized Average

Paid CostR2 Z


Track

Annualized Incurred


R2 ZAnnualized

Non-NW Fast Track

Annualized Adjusted

Pure Premium

R2 ZAnnualized

Non-NW Fast Track

24 Point Trend -0.1% 0.01 1.00 -2.7% 0.71 1.00 -2.8% 0.72 1.0023 Point Trend -0.1% 0.00 1.00 -2.6% 0.68 1.00 -2.7% 0.68 1.0022 Point Trend 0.0% 0.00 1.00 -2.4% 0.63 1.00 -2.5% 0.64 1.0021 Point Trend -0.1% 0.00 1.00 -2.2% 0.57 1.00 -2.3% 0.58 1.0020 Point Trend -0.3% 0.02 1.00 -2.0% 0.51 1.00 -2.3% 0.54 1.0019 Point Trend -0.2% 0.01 1.00 -1.7% 0.43 1.00 -1.9% 0.47 1.0018 Point Trend -0.4% 0.02 1.00 -1.4% 0.33 1.00 -1.7% 0.38 1.0017 Point Trend -0.4% 0.02 1.00 -1.0% 0.21 1.00 -1.3% 0.28 1.0016 Point Trend -0.1% 0.00 1.00 -0.6% 0.10 1.00 -0.7% 0.13 1.0015 Point Trend -0.6% 0.04 1.00 -0.2% 0.01 1.00 -0.8% 0.13 1.0014 Point Trend -0.9% 0.09 1.00 0.3% 0.02 1.00 -0.7% 0.08 1.0013 Point Trend -1.4% 0.19 1.00 0.7% 0.16 1.00 -0.7% 0.08 1.0012 Point Trend -2.5% 0.50 1.00 1.3% 0.44 1.00 -1.3% 0.20 1.0011 Point Trend -2.9% 0.54 1.00 1.7% 0.60 1.00 -1.2% 0.16 1.0010 Point Trend -2.3% 0.39 1.00 1.8% 0.58 1.00 -0.5% 0.03 1.009 Point Trend -1.7% 0.23 1.00 1.5% 0.44 1.00 -0.2% 0.00 1.008 Point Trend -0.5% 0.02 1.00 1.0% 0.22 1.00 0.5% 0.01 1.007 Point Trend 1.2% 0.18 1.00 0.4% 0.05 1.00 1.6% 0.12 1.006 Point Trend 0.4% 0.02 1.00 -0.6% 0.11 1.00 -0.2% 0.00 1.005 Point Trend -0.2% 0.00 1.00 -1.1% 0.20 1.00 -1.3% 0.05 1.004 Point Trend 0.6% 0.01 1.00 -0.8% 0.06 1.00 -0.2% 0.00 1.003 Point Trend -5.4% 0.89 1.00 -4.3% 0.85 1.00 -9.5% 0.87 1.00



Estimated Ultimate

Frequency


6 Year Trend -0.3% -2.5% -2.7%5 Year Trend -0.6% -1.8% -2.4%4 Year Trend -0.4% 0.1% -0.3%3 Year Trend -2.3% 2.5% 0.1%


2016/4

Annualized Average

Paid CostR2


Track

Annualized Incurred


R2Annualized

Non-NW Fast Track

Annualized Adjusted

Pure Premium

R2Annualized

Non-NW Fast Track

24 Point Trend23 Point Trend22 Point Trend21 Point Trend20 Point Trend19 Point Trend18 Point Trend17 Point Trend16 Point Trend15 Point Trend14 Point Trend13 Point Trend12 Point Trend11 Point Trend10 Point Trend9 Point Trend8 Point Trend7 Point Trend6 Point Trend5 Point Trend4 Point Trend3 Point Trend

Exhibit VIIPage 6

© 2017 Nationwide



Loss Trend SummaryComprehensive



as of 2016/4

Annualized Average

Paid CostR2 Z


Track as of 2016/3

Annualized Paid


R2 Z


Track as of 2016/3


R2 Z


Track as of 2016/3

24 Point Trend 4.3% 0.71 0.99 -3.2% 0.50 1.00 1.0% 0.13 1.0023 Point Trend 4.2% 0.68 0.99 -3.4% 0.51 1.00 0.6% 0.06 1.0022 Point Trend 4.3% 0.66 0.99 -3.4% 0.48 1.00 0.7% 0.07 1.0021 Point Trend 4.4% 0.64 0.99 -3.2% 0.42 1.00 1.0% 0.12 1.0020 Point Trend 4.5% 0.62 0.99 4.4% -2.8% 0.34 1.00 -1.5% 1.6% 0.28 1.00 2.8%19 Point Trend 4.6% 0.60 0.98 4.3% -2.2% 0.24 0.99 -0.8% 2.4% 0.64 1.00 3.5%18 Point Trend 4.5% 0.55 0.98 4.3% -1.9% 0.17 0.99 0.1% 2.6% 0.66 1.00 4.4%17 Point Trend 4.5% 0.51 0.98 4.0% -1.7% 0.13 0.99 0.5% 2.7% 0.66 1.00 4.5%16 Point Trend 4.9% 0.50 0.98 3.2% -1.9% 0.14 0.99 0.7% 2.8% 0.64 1.00 4.0%15 Point Trend 5.5% 0.53 0.98 2.9% -2.5% 0.19 0.99 0.5% 2.8% 0.59 1.00 3.5%14 Point Trend 6.4% 0.58 0.99 2.6% -3.3% 0.27 0.99 -0.1% 2.9% 0.55 1.00 2.5%13 Point Trend 7.4% 0.64 0.99 2.2% -4.6% 0.43 0.99 -1.0% 2.5% 0.45 1.00 1.2%12 Point Trend 8.9% 0.72 0.99 1.0% -6.3% 0.67 0.99 -2.8% 2.0% 0.32 1.00 -1.9%11 Point Trend 10.7% 0.80 0.99 -2.2% -8.3% 0.91 1.00 -5.7% 1.5% 0.19 1.00 -7.8%10 Point Trend 13.4% 0.94 1.00 -7.2% -9.5% 0.97 1.00 -9.4% 2.7% 0.45 1.00 -16.0%9 Point Trend 14.9% 0.96 1.00 -7.5% -10.0% 0.97 1.00 -11.3% 3.4% 0.54 1.00 -17.9%8 Point Trend 15.7% 0.95 1.00 -6.4% -9.8% 0.96 1.00 -12.0% 4.3% 0.61 1.00 -17.6%7 Point Trend 16.2% 0.94 1.00 -2.5% -9.3% 0.94 1.00 -11.3% 5.4% 0.67 0.99 -13.5%6 Point Trend 13.2% 0.96 1.00 9.4% -9.2% 0.91 1.00 -8.2% 2.8% 0.61 1.00 0.4%5 Point Trend 12.5% 0.93 1.00 13.0% -10.1% 0.89 1.00 -8.0% 1.1% 0.35 1.00 3.9%4 Point Trend 11.7% 0.87 0.98 14.0% -10.4% 0.81 0.98 -9.5% 0.1% 0.00 1.00 3.2%3 Point Trend 6.0% 0.98 1.00 13.5% -4.4% 0.95 0.00 -12.1% 1.3% 0.32 1.00 -0.3%

* Catastrophes removed



Estimated Ultimate

Frequency


6 Year Trend 4.8% -3.7% 0.9%5 Year Trend 5.5% -2.8% 2.5%4 Year Trend 6.7% -3.3% 3.1%3 Year Trend 13.4% -9.9% 2.2%


2016/4

Annualized Average

Paid CostR2


Track as of 2016/3

Annualized Paid


R2


Track as of 2016/3


R2


Track as of 2016/3

24 Point Trend 4.0% 0.86 -3.5% 0.76 0.4% 0.0423 Point Trend 3.7% 0.86 -3.5% 0.73 0.1% 0.0022 Point Trend 3.5% 0.85 -3.5% 0.70 -0.1% 0.0021 Point Trend 3.3% 0.83 -3.3% 0.66 -0.1% 0.0020 Point Trend 3.1% 0.81 1.4% -2.9% 0.61 -2.1% 0.1% 0.00 -0.7%19 Point Trend 2.9% 0.78 1.3% -2.4% 0.56 -1.7% 0.5% 0.04 -0.4%18 Point Trend 2.7% 0.75 1.2% -2.0% 0.48 -1.1% 0.6% 0.07 0.1%17 Point Trend 2.7% 0.71 1.0% -1.8% 0.39 -0.6% 0.8% 0.11 0.4%16 Point Trend 2.8% 0.68 0.4% -1.8% 0.34 -0.2% 1.0% 0.11 0.2%15 Point Trend 2.9% 0.67 1.1% -1.9% 0.34 0.2% 1.0% 0.09 1.3%14 Point Trend 3.1% 0.66 2.0% -2.2% 0.38 0.6% 0.8% 0.06 2.6%13 Point Trend 3.2% 0.62 3.4% -2.9% 0.50 0.8% 0.2% 0.00 4.2%12 Point Trend 3.4% 0.59 5.4% -3.8% 0.71 1.0% -0.6% 0.03 6.4%11 Point Trend 3.7% 0.59 5.4% -4.8% 0.89 0.8% -1.3% 0.12 6.3%10 Point Trend 4.9% 0.77 5.3% -4.9% 0.86 0.6% -0.3% 0.01 5.9%9 Point Trend 5.7% 0.80 5.2% -4.7% 0.81 0.7% 0.8% 0.04 5.9%8 Point Trend 6.3% 0.79 5.8% -3.9% 0.74 0.9% 2.2% 0.28 6.8%7 Point Trend 7.5% 0.83 7.7% -3.0% 0.62 1.8% 4.3% 0.76 9.7%6 Point Trend 6.4% 0.73 11.7% -3.5% 0.62 3.6% 2.7% 0.74 15.7%5 Point Trend 9.1% 0.88 16.7% -5.0% 0.75 4.5% 3.7% 0.87 21.9%4 Point Trend 12.5% 0.98 21.2% -7.6% 0.97 4.9% 4.0% 0.80 27.1%3 Point Trend 12.2% 0.96 24.2% -5.9% 1.00 2.6% 5.5% 0.83 27.4%

Exhibit VIIPage 7

© 2017 Nationwide



Loss Trend SummaryCollision



as of 2016/4

Annualized Average

Paid CostR2 Z


Track as of 2016/3

Annualized Paid


R2 Z


Track as of 2016/3


R2 Z


Track as of 2016/3

24 Point Trend 2.8% 0.93 1.00 0.2% 0.03 0.98 3.0% 0.91 0.9923 Point Trend 2.8% 0.93 1.00 0.2% 0.04 0.98 3.0% 0.90 0.9922 Point Trend 2.8% 0.92 1.00 0.2% 0.05 0.98 3.1% 0.89 0.9921 Point Trend 2.8% 0.90 1.00 0.3% 0.06 0.98 3.1% 0.88 0.9920 Point Trend 2.9% 0.90 1.00 3.0% 0.3% 0.07 0.98 2.2% 3.2% 0.88 0.99 5.3%19 Point Trend 2.8% 0.88 0.99 3.1% 0.3% 0.04 0.98 2.4% 3.1% 0.86 0.99 5.6%18 Point Trend 2.8% 0.86 0.99 3.2% 0.2% 0.02 0.98 2.4% 3.0% 0.84 0.99 5.7%17 Point Trend 2.7% 0.83 0.99 3.3% 0.1% 0.01 0.98 2.4% 2.9% 0.81 0.99 5.8%16 Point Trend 2.7% 0.80 0.99 3.4% -0.2% 0.01 0.98 2.3% 2.5% 0.80 0.99 5.8%15 Point Trend 2.9% 0.81 0.99 3.4% -0.5% 0.09 0.98 2.0% 2.4% 0.76 0.99 5.5%14 Point Trend 3.2% 0.84 1.00 3.6% -0.8% 0.26 0.99 1.6% 2.3% 0.71 0.99 5.3%13 Point Trend 3.5% 0.88 1.00 3.8% -1.2% 0.50 0.99 1.2% 2.2% 0.65 0.99 5.0%12 Point Trend 3.7% 0.88 0.99 4.0% -1.5% 0.61 0.99 0.5% 2.1% 0.57 0.99 4.5%11 Point Trend 3.8% 0.85 0.99 4.3% -1.7% 0.59 0.99 -0.3% 2.1% 0.50 0.99 4.0%10 Point Trend 3.4% 0.81 0.99 4.6% -1.7% 0.54 0.99 -0.7% 1.6% 0.35 0.99 3.9%9 Point Trend 2.9% 0.74 1.00 4.4% -1.8% 0.49 0.99 -0.9% 1.1% 0.16 0.99 3.5%8 Point Trend 2.9% 0.66 1.00 4.2% -2.3% 0.55 0.99 -1.2% 0.5% 0.04 0.99 2.9%7 Point Trend 3.2% 0.64 1.00 3.5% -3.1% 0.68 0.99 -1.6% 0.1% 0.00 0.99 1.9%6 Point Trend 4.5% 0.79 1.00 3.3% -3.7% 0.70 0.98 -3.0% 0.6% 0.02 0.99 0.3%5 Point Trend 5.2% 0.77 1.00 3.8% -3.4% 0.54 0.97 -4.3% 1.6% 0.10 0.99 -0.7%4 Point Trend 7.5% 0.88 0.99 4.3% -0.7% 0.08 0.99 -4.7% 6.7% 0.95 1.00 -0.6%3 Point Trend 4.9% 0.74 0.99 7.7% 2.2% 0.93 1.00 -2.4% 7.2% 0.91 1.00 5.1%



Estimated Ultimate

Frequency


6 Year Trend 3.1% 0.2% 3.3%5 Year Trend 3.2% 0.1% 3.4%4 Year Trend 3.5% -0.5% 3.0%3 Year Trend 4.3% -2.1% 2.1%


2016/4

Annualized Average

Paid CostR2


Track as of 2016/3

Annualized Paid


R2


Track as of 2016/3


R2


Track as of 2016/3

24 Point Trend 4.8% 0.99 0.5% 0.62 5.3% 0.9923 Point Trend 4.8% 0.99 0.5% 0.65 5.4% 0.9922 Point Trend 4.8% 0.99 0.5% 0.64 5.4% 0.9921 Point Trend 4.8% 0.99 0.6% 0.66 5.4% 0.9920 Point Trend 4.8% 0.99 3.2% 0.6% 0.69 2.0% 5.5% 0.98 5.4%19 Point Trend 4.7% 0.98 3.3% 0.6% 0.64 2.2% 5.4% 0.98 5.6%18 Point Trend 4.7% 0.98 3.4% 0.6% 0.60 2.3% 5.3% 0.98 5.8%17 Point Trend 4.6% 0.98 3.6% 0.5% 0.53 2.3% 5.2% 0.98 6.0%16 Point Trend 4.5% 0.98 3.7% 0.4% 0.43 2.4% 5.0% 0.98 6.2%15 Point Trend 4.5% 0.97 3.8% 0.4% 0.35 2.3% 4.9% 0.98 6.2%14 Point Trend 4.4% 0.97 3.9% 0.5% 0.37 2.2% 4.9% 0.97 6.2%13 Point Trend 4.2% 0.97 4.2% 0.6% 0.43 1.9% 4.8% 0.97 6.2%12 Point Trend 4.0% 0.97 4.4% 0.5% 0.36 1.6% 4.5% 0.97 6.1%11 Point Trend 3.9% 0.96 4.9% 0.7% 0.48 1.2% 4.6% 0.96 6.1%10 Point Trend 3.8% 0.95 5.3% 0.8% 0.48 1.0% 4.6% 0.95 6.4%9 Point Trend 3.9% 0.94 5.7% 0.8% 0.40 0.9% 4.8% 0.94 6.6%8 Point Trend 4.1% 0.93 5.9% 0.9% 0.35 0.9% 5.0% 0.94 6.9%7 Point Trend 4.4% 0.91 6.1% 0.3% 0.08 1.1% 4.7% 0.91 7.2%6 Point Trend 4.9% 0.91 6.1% -0.3% 0.12 1.0% 4.6% 0.85 7.2%5 Point Trend 5.5% 0.91 6.3% -0.7% 0.35 0.9% 4.8% 0.78 7.2%4 Point Trend 7.2% 0.98 6.3% -0.2% 0.02 1.0% 7.0% 0.94 7.3%3 Point Trend 6.8% 0.95 7.1% 1.1% 0.63 2.0% 8.0% 0.91 9.3%

Exhibit VIIPage 8

© 2017 Nationwide



Loss Trend SummaryLoss of Use



as of 2016/4

Annualized Average

Paid CostR2 Z


Track

Annualized Paid


R2 ZAnnualized

Non-NW Fast Track


R2 ZAnnualized

Non-NW Fast Track

24 Point Trend 2.0% 0.79 0.99 0.5% 0.12 1.00 2.5% 0.72 1.0023 Point Trend 2.1% 0.79 0.99 0.4% 0.07 1.00 2.5% 0.69 1.0022 Point Trend 2.1% 0.77 0.99 0.2% 0.02 1.00 2.4% 0.65 1.0021 Point Trend 2.3% 0.79 0.99 0.1% 0.00 1.00 2.3% 0.61 1.0020 Point Trend 2.4% 0.79 0.99 -0.1% 0.01 1.00 2.3% 0.56 1.0019 Point Trend 2.5% 0.78 0.99 -0.1% 0.01 1.00 2.3% 0.54 1.0018 Point Trend 2.5% 0.77 0.99 -0.2% 0.01 1.00 2.3% 0.50 1.0017 Point Trend 2.5% 0.74 0.99 -0.3% 0.02 1.00 2.2% 0.44 1.0016 Point Trend 2.5% 0.69 0.99 -0.5% 0.06 1.00 1.9% 0.34 1.0015 Point Trend 2.4% 0.64 0.99 -0.9% 0.14 1.00 1.6% 0.24 1.0014 Point Trend 2.5% 0.60 0.99 -0.9% 0.12 1.00 1.5% 0.20 0.9913 Point Trend 2.1% 0.50 0.99 -0.9% 0.10 1.00 1.2% 0.11 0.9912 Point Trend 1.4% 0.37 0.99 -0.4% 0.02 1.00 1.0% 0.07 0.9911 Point Trend 0.9% 0.20 0.99 -0.2% 0.00 1.00 0.7% 0.03 0.9910 Point Trend 0.1% 0.00 1.00 -1.3% 0.17 1.00 -1.3% 0.16 0.999 Point Trend 0.0% 0.00 0.99 -2.2% 0.36 0.99 -2.2% 0.38 0.998 Point Trend 0.7% 0.17 0.97 -3.0% 0.46 0.99 -2.4% 0.33 0.997 Point Trend 1.3% 0.43 0.98 -4.6% 0.73 1.00 -3.4% 0.46 0.996 Point Trend 2.3% 0.87 0.99 -3.2% 0.58 1.00 -1.0% 0.14 1.005 Point Trend 2.0% 0.77 0.96 -1.7% 0.27 1.00 0.2% 0.01 1.004 Point Trend 2.9% 0.91 0.99 -2.8% 0.37 1.00 0.0% 0.00 1.003 Point Trend 3.4% 0.87 0.96 1.4% 0.25 1.00 4.7% 0.95 1.00



Estimated Ultimate

Frequency


6 Year Trend 2.1% -0.3% 1.8%5 Year Trend 2.7% -0.7% 2.0%4 Year Trend 2.5% -1.5% 1.0%3 Year Trend -0.1% -3.5% -3.7%


2016/4

Annualized Average

Paid CostR2


Track

Annualized Paid


R2Annualized

Non-NW Fast Track


R2Annualized

Non-NW Fast Track

24 Point Trend 4.6% 0.99 1.9% 0.48 6.6% 0.9423 Point Trend 4.7% 0.99 1.9% 0.44 6.6% 0.9322 Point Trend 4.7% 0.98 1.7% 0.38 6.5% 0.9321 Point Trend 4.7% 0.98 1.8% 0.36 6.6% 0.9220 Point Trend 4.8% 0.98 1.8% 0.34 6.7% 0.9119 Point Trend 4.7% 0.98 2.0% 0.35 6.8% 0.9018 Point Trend 4.7% 0.97 2.3% 0.40 7.1% 0.9017 Point Trend 4.6% 0.97 2.7% 0.45 7.4% 0.9016 Point Trend 4.5% 0.96 3.0% 0.47 7.6% 0.8915 Point Trend 4.4% 0.96 3.5% 0.53 8.1% 0.9014 Point Trend 4.3% 0.95 4.4% 0.69 9.0% 0.9413 Point Trend 4.2% 0.94 5.2% 0.75 9.6% 0.9512 Point Trend 4.2% 0.92 5.7% 0.77 10.1% 0.9611 Point Trend 4.4% 0.91 5.4% 0.70 10.1% 0.9410 Point Trend 5.0% 0.95 4.2% 0.62 9.3% 0.949 Point Trend 5.5% 0.98 2.5% 0.58 8.2% 0.958 Point Trend 6.0% 0.99 2.1% 0.43 8.2% 0.937 Point Trend 6.0% 0.99 1.3% 0.20 7.4% 0.906 Point Trend 5.9% 0.99 1.8% 0.24 7.8% 0.875 Point Trend 5.4% 1.00 3.8% 0.60 9.3% 0.894 Point Trend 5.5% 1.00 3.8% 0.43 9.4% 0.803 Point Trend 5.9% 1.00 8.8% 0.89 15.2% 0.97

Exhibit VIIIPage 1

© 2017 Nationwide



Determination of Loss Projection FactorsBodily Injury


Past-to-Present Adjustments1. Average Loss Date for Fiscal Calendar Year 3/31/2014 3/31/2015 3/31/20162. Average Loss Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20163. Years of Trend = (2) - (1) 2.003 1.003 0.0004. Selected Severity Trend 3.2% 3.2% 3.2%5. Selected Frequency Trend 1.8% 1.8% 1.8%6. Selected Pure Premium Trend = [1+(4)] × [1+(5)] - 1 5.1% 5.1% 5.1%7. Past-to-Present Factor = [1+(6)](3) 1.105 1.051 1.000

Present-to-Future Adjustments8. Average Loss Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20169. Average Loss Date for Assumed Effective Period 9/21/2018 9/21/2018 9/21/201810. Years of Trend = (9) - (8) 2.479 2.479 2.47911. Selected Severity Trend 2.5% 2.5% 2.5%12. Selected Frequency Trend 1.8% 1.8% 1.8%13. Selected Pure Premium Trend = [1+(11)] × [1+(12)] - 1 4.3% 4.3% 4.3%14. Present-to-Future Factor = [1+(13)](10) 1.110 1.110 1.110

Past-to-Future Adjustments15. Loss Projection Factor = (7) × (14) 1.227 1.167 1.110

Exhibit VIIIPage 2

© 2017 Nationwide



Determination of Loss Projection FactorsProperty Damage


Past-to-Present Adjustments1. Average Loss Date for Fiscal Calendar Year 3/31/2014 3/31/2015 3/31/20162. Average Loss Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20163. Years of Trend = (2) - (1) 2.003 1.003 0.0004. Selected Severity Trend 13.6% 13.6% 13.6%5. Selected Frequency Trend -7.4% -7.4% -7.4%6. Selected Pure Premium Trend = [1+(4)] × [1+(5)] - 1 5.2% 5.2% 5.2%7. Past-to-Present Factor = [1+(6)](3) 1.107 1.052 1.000



Exhibit VIIIPage 3

© 2017 Nationwide



Determination of Loss Projection FactorsUninsured Motorists - Bodily Injury





Exhibit VIIIPage 4

© 2017 Nationwide



Determination of Loss Projection FactorsUnderinsured Motorists - Bodily Injury





Exhibit VIIIPage 5

© 2017 Nationwide



Determination of Loss Projection FactorsAccidental Death Benefits, Combined Loss Benefits, Funeral Benefits, Loss of Income

Benefits, Medical Benefits, Excess Medical Benefits


Past-to-Present Adjustments1. Average Loss Date for Fiscal Calendar Year 3/31/2014 3/31/2015 3/31/20162. Average Loss Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20163. Years of Trend = (2) - (1) 2.003 1.003 0.0004. Selected Severity Trend 0.0% 0.0% 0.0%5. Selected Frequency Trend -2.0% -2.0% -2.0%6. Selected Pure Premium Trend = [1+(4)] × [1+(5)] - 1 -2.0% -2.0% -2.0%7. Past-to-Present Factor = [1+(6)](3) 0.960 0.980 1.000



Exhibit VIIIPage 6

© 2017 Nationwide



Determination of Loss Projection FactorsComprehensive



Present-to-Future Adjustments8. Average Loss Date for Latest Fiscal Calendar Year 3/31/2016 3/31/2016 3/31/20169. Average Loss Date for Assumed Effective Period 9/21/2018 9/21/2018 9/21/201810. Years of Trend = (9) - (8) 2.479 2.479 2.47911. Selected Severity Trend 7.4% 7.4% 7.4%12. Selected Frequency Trend -4.6% -4.6% -4.6%13. Selected Pure Premium Trend = [1+(11)] × [1+(12)] - 1 2.5% 2.5% 2.5%14. Present-to-Future Factor = [1+(13)](10) 1.063 1.063 1.063


Exhibit VIIIPage 7

© 2017 Nationwide



Determination of Loss Projection FactorsCollision





Exhibit VIIIPage 8

© 2017 Nationwide



Determination of Loss Projection FactorsLoss of Use





Exhibit IX Page 1

Nationwide Mutual and Affiliated Insurance Companies

Financial Needs Model

Underwriting Profit Provision Support

Standard Auto – Liability & Physical Damage The underwriting profit provisions for liability and physical damage coverages used in this filing’s rate level analysis were selected after reviewing the required underwriting profit provisions developed separately using an internal rate of return model that incorporates the estimated timing of premium receipts, loss payments, expense payments, and other underwriting components. This model simulates a single insurance transaction (Premium = $100.00) and its related assets flow and determines the required underwriting profit provision that would result in the desired rate of return on the surplus that supports the transaction. The underlying surplus supporting the transaction at any given point in time is a function of the insurance reserves being held. Also, if the cash balance is insufficient to offset the insurance liabilities less receivables, additional surplus is committed to fund these reserves. In addition to the historical payout patterns and expense provisions, the model reflects the following assumptions:

Liability Physical Damage Desired Rate of Return: 15.0 % 15.0 % Equity Allocated to Line of Business Using Premium to Surplus Ratio:

1.19 to 1.00

2.06 to 1.00

Reserve to Premium Ratio: 1.25 to 1.00 0.32 to 1.00 Investment Yield: 4.32 % 4.07 % Portion of Assets Available for Investments: 100.0 % 100.0 % Federal Tax Rate: 35.0 % 35.0 %

Pages 3 and 6 of this exhibit display the cash flow resulting from these assumptions for liability and physical damage coverages respectively. The model derives an underwriting profit of $7.65 for liability coverages and an underwriting profit of $12.34 for physical damage coverages in order for these lines to achieve the desired rate of return. These underwriting profits are the sum of the net underwriting flows across all time periods. Pages 4 and 7 provide the model’s required assets (sum of reserve and surplus requirements) as well as the available assets (sum of receivables and cash balance from insurance operations) for liability and physical damage coverages, respectively. If the available assets are not sufficient to offset the required assets, additional assets (from surplus) must be infused to support the transaction. Page 5 for liability coverages and Page 8 for physical damage coverages display the assets flows (negative values indicate flow to insurance operations while positive values indicate flow back to surplus). The total asset flow is then discounted at the desired rate of return, and the resulting sum of the discounted asset flow is $0.00. Thus, an underwriting profit provision of 7.65 percent ($7.65/$100.00) is expected to achieve a 15.0 percent rate of return for liability coverages, and an underwriting profit provision of 12.34 percent ($12.34/$100.00) is expected to achieve a 15.0 percent rate of return for physical damage coverages. The following table summarizes the required underwriting profit provisions required to generate a 15.0 percent rate of return on surplus funds, the selected underwriting profit provisions used in this rate filing and the corresponding rate of return on surplus funds associated with the selected provisions:

Exhibit IX Page 2

Liability Physical Damage Required Underwriting Profit Provision 7.65 % 12.34 % Selected Underwriting Profit Provision 5.00 % 7.00 % Rate of Return – Selected Underwriting Profit Provision 11.51 % 9.73 %

Exhibit IX Page 3


EC - Standard Auto Liability - Countrywide

Cash Flow Related to Insurance Operations

Months Cash Flowfrom Federal Excess Adjusted

Policy Net Investment Income Cash Cash CashInception Underwriting Income Tax Total Balance Flow Balance

-1 0.00 0.00 0.00 0.00 0.00 0.00 0.000 13.43 0.00 1.60 15.03 15.03 0.00 18.533 11.03 0.53 (1.83) 9.74 24.77 0.00 26.626 13.27 0.52 (0.06) 13.73 38.50 0.00 42.169 4.26 0.85 (1.88) 3.23 41.73 0.00 43.7112 (2.12) 0.76 (1.75) (3.11) 38.62 0.00 38.9115 (7.33) 0.58 (0.13) (6.88) 31.74 0.00 31.9718 (5.31) 0.45 (0.11) (4.97) 26.76 0.00 26.9521 (3.74) 0.35 (0.09) (3.47) 23.29 0.00 23.4424 (2.78) 0.28 (0.07) (2.56) 20.72 0.00 20.8527 (2.22) 0.23 (0.06) (2.05) 18.68 0.23 18.4530 (1.91) 0.20 (0.05) (1.76) 16.58 1.38 15.2033 (1.66) 0.16 (0.04) (1.54) 13.58 1.20 12.3836 (1.36) 0.13 (0.03) (1.27) 11.05 0.99 10.0639 (1.06) 0.11 (0.03) (0.98) 9.02 0.76 8.2642 (0.85) 0.09 (0.02) (0.78) 7.43 0.61 6.8245 (0.71) 0.07 (0.02) (0.66) 6.12 0.52 5.6148 (0.60) 0.06 (0.01) (0.55) 5.02 0.43 4.5951 (0.50) 0.05 (0.01) (0.46) 4.10 0.35 3.7554 (0.44) 0.04 (0.01) (0.41) 3.32 0.31 3.0057 (0.42) 0.03 (0.01) (0.39) 2.59 0.30 2.2960 (0.40) 0.02 (0.00) (0.38) 1.90 0.29 1.6172 (0.36) 0.07 (0.02) (0.31) 1.29 0.29 1.0084 (0.25) 0.04 (0.01) (0.22) 0.77 0.20 0.5796 (0.13) 0.02 (0.01) (0.12) 0.45 0.11 0.34

108 (0.07) 0.01 (0.00) (0.06) 0.28 0.06 0.22120 (0.05) 0.01 (0.00) (0.04) 0.18 0.04 0.14132 (0.03) 0.01 (0.00) (0.03) 0.11 0.03 0.08144 (0.01) 0.00 (0.00) (0.01) 0.07 0.01 0.06156 (0.01) 0.00 (0.00) (0.01) 0.06 0.01 0.05168 (0.01) 0.00 (0.00) (0.01) 0.04 0.01 0.03180 (0.01) 0.00 (0.00) (0.01) 0.03 0.01 0.02192 (0.00) 0.00 (0.00) (0.00) 0.02 0.00 0.02204 (0.00) 0.00 (0.00) 0.00 0.02 0.00 0.02216 0.00 0.00 (0.00) 0.00 0.02 0.00 0.02228 0.00 0.00 (0.00) 0.00 0.02 0.00 0.02240 0.00 0.00 (0.00) 0.00 0.02 0.00 0.02252 0.00 0.00 (0.00) 0.00 0.02 0.00 0.02264 0.00 0.00 (0.00) 0.00 0.02 0.00 0.02276 0.00 0.00 (0.00) 0.00 0.02 0.00 0.02288 0.00 0.00 (0.00) 0.00 0.02 0.00 0.02300 0.00 0.00 (0.00) 0.00 0.02 0.00 0.02312 (0.00) 0.00 (0.00) (0.00) 0.02 0.00 0.02324 (0.00) 0.00 (0.00) (0.00) 0.02 0.00 0.01336 (0.00) 0.00 (0.00) (0.00) 0.01 0.00 0.01348 (0.00) 0.00 (0.00) (0.00) 0.01 0.00 0.00360 (0.00) 0.00 (0.00) (0.00) 0.00 0.00 0.00

Total 7.65 5.69 (4.67) 8.67

Exhibit IX Page 4



Assets Required to Support Insurance Operations

Months Required Assets Available Assets from Operationsfrom Unearned Loss & Required Salvage & Required AssetsPolicy Premium LAE Required Additional Underlying Premium Subrogation Cash Prior to

Inception Reserve Reserve Surplus Surplus Surplus Total Receivable Receivable Balance Infusion-1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000 50.00 0.00 33.50 0.00 33.50 83.50 30.22 0.00 18.53 48.753 25.00 11.89 24.71 0.00 24.71 61.60 10.80 0.38 26.62 37.806 50.00 18.70 46.02 0.00 46.02 114.72 30.27 0.58 42.16 73.019 25.00 25.99 34.16 0.00 34.16 85.16 10.80 0.79 43.71 55.29

12 0.00 33.21 22.25 0.00 22.25 55.46 0.06 0.98 38.91 39.9515 0.00 25.67 17.19 0.00 17.19 42.86 (0.00) 0.77 31.97 32.7418 0.00 20.19 13.53 0.00 13.53 33.72 (0.00) 0.61 26.95 27.5621 0.00 16.34 10.95 0.00 10.95 27.28 (0.00) 0.49 23.44 23.9324 0.00 13.48 9.03 0.00 9.03 22.51 (0.00) 0.41 20.85 21.2627 0.00 11.19 7.50 0.00 7.50 18.69 (0.00) 0.34 18.45 18.7930 0.00 9.23 6.18 0.00 6.18 15.41 (0.00) 0.29 15.20 15.4933 0.00 7.51 5.03 0.00 5.03 12.54 (0.00) 0.23 12.38 12.6136 0.00 6.10 4.09 0.00 4.09 10.19 (0.00) 0.19 10.06 10.2539 0.00 5.01 3.36 0.00 3.36 8.36 (0.00) 0.15 8.26 8.4142 0.00 4.14 2.77 0.00 2.77 6.91 (0.00) 0.13 6.82 6.9545 0.00 3.40 2.28 0.00 2.28 5.68 (0.00) 0.10 5.61 5.7148 0.00 2.78 1.86 0.00 1.86 4.65 (0.00) 0.08 4.59 4.6751 0.00 2.27 1.52 0.00 1.52 3.80 (0.00) 0.07 3.75 3.8254 0.00 1.82 1.22 0.00 1.22 3.04 (0.00) 0.06 3.00 3.0657 0.00 1.40 0.93 0.00 0.93 2.33 (0.00) 0.05 2.29 2.3460 0.00 0.98 0.66 0.00 0.66 1.64 (0.00) 0.04 1.61 1.6572 0.00 0.62 0.41 0.00 0.41 1.03 (0.00) 0.03 1.00 1.0484 0.00 0.35 0.24 0.00 0.24 0.59 (0.00) 0.02 0.57 0.6096 0.00 0.21 0.14 0.00 0.14 0.36 (0.00) 0.02 0.34 0.36108 0.00 0.14 0.09 0.00 0.09 0.23 (0.00) 0.01 0.22 0.24120 0.00 0.09 0.06 0.00 0.06 0.15 (0.00) 0.01 0.14 0.15132 0.00 0.05 0.04 0.00 0.04 0.09 (0.00) 0.01 0.08 0.09144 0.00 0.04 0.03 0.00 0.03 0.07 (0.00) 0.01 0.06 0.07156 0.00 0.03 0.02 0.00 0.02 0.05 (0.00) 0.00 0.05 0.05168 0.00 0.02 0.01 0.00 0.01 0.04 (0.00) 0.00 0.03 0.04180 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02192 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02204 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02216 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02228 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02240 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02252 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02264 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02276 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02288 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02300 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02312 0.00 0.01 0.01 0.00 0.01 0.02 (0.00) 0.00 0.02 0.02324 0.00 0.01 0.01 0.00 0.01 0.01 (0.00) 0.00 0.01 0.01336 0.00 0.01 0.00 0.00 0.00 0.01 (0.00) 0.00 0.01 0.01348 0.00 0.00 0.00 0.00 0.00 0.00 (0.00) 0.00 0.00 0.00360 0.00 0.00 0.00 0.00 0.00 0.00 (0.00) 0.00 0.00 0.00

Exhibit IX Page 5



Infused and Excess Asset Flows Resulting from Insurance Operations

Monthsfrom Assets Required Infused Excess Total Discount DiscountedPolicy Required Prior to Infused Asset Asset Asset Factor at Asset

Inception Assets Infusion Assets Flow Flow Flow 15.0% ROR Flow-1 0.00 0.00 0.00 0.00 0.00 0.00 1.0117 0.000 83.50 48.75 34.75 (34.75) 0.00 (34.75) 1.0000 (34.75)3 61.60 37.80 23.79 10.96 0.00 10.96 0.9657 10.586 114.72 73.01 41.71 (17.91) 0.00 (17.91) 0.9325 (16.70)9 85.16 55.29 29.86 11.84 0.00 11.84 0.9005 10.66

12 55.46 39.95 15.51 14.35 0.00 14.35 0.8696 12.4815 42.86 32.74 10.12 5.39 0.00 5.39 0.8397 4.5318 33.72 27.56 6.16 3.96 0.00 3.96 0.8109 3.2121 27.28 23.93 3.35 2.81 0.00 2.81 0.7830 2.2024 22.51 21.26 1.25 2.10 0.00 2.10 0.7561 1.5927 18.69 18.79 0.00 1.25 0.33 1.58 0.7302 1.1630 15.41 15.49 0.00 0.00 1.46 1.46 0.7051 1.0333 12.54 12.61 0.00 0.00 1.27 1.27 0.6809 0.8636 10.19 10.25 0.00 0.00 1.04 1.04 0.6575 0.6839 8.36 8.41 0.00 0.00 0.81 0.81 0.6349 0.5142 6.91 6.95 0.00 0.00 0.65 0.65 0.6131 0.4045 5.68 5.71 0.00 0.00 0.55 0.55 0.5921 0.3248 4.65 4.67 0.00 0.00 0.46 0.46 0.5718 0.2651 3.80 3.82 0.00 0.00 0.37 0.37 0.5521 0.2154 3.04 3.06 0.00 0.00 0.33 0.33 0.5332 0.1857 2.33 2.34 0.00 0.00 0.31 0.31 0.5149 0.1660 1.64 1.65 0.00 0.00 0.30 0.30 0.4972 0.1572 1.03 1.04 0.00 0.00 0.30 0.30 0.4323 0.1384 0.59 0.60 0.00 0.00 0.21 0.21 0.3759 0.0896 0.36 0.36 0.00 0.00 0.11 0.11 0.3269 0.04108 0.23 0.24 0.00 0.00 0.06 0.06 0.2843 0.02120 0.15 0.15 0.00 0.00 0.04 0.04 0.2472 0.01132 0.09 0.09 0.00 0.00 0.03 0.03 0.2149 0.01144 0.07 0.07 0.00 0.00 0.01 0.01 0.1869 0.00156 0.05 0.05 0.00 0.00 0.01 0.01 0.1625 0.00168 0.04 0.04 0.00 0.00 0.01 0.01 0.1413 0.00180 0.02 0.02 0.00 0.00 0.01 0.01 0.1229 0.00192 0.02 0.02 0.00 0.00 0.00 0.00 0.1069 0.00204 0.02 0.02 0.00 0.00 0.00 0.00 0.0929 0.00216 0.02 0.02 0.00 0.00 0.00 0.00 0.0808 0.00228 0.02 0.02 0.00 0.00 0.00 0.00 0.0703 0.00240 0.02 0.02 0.00 0.00 0.00 0.00 0.0611 0.00252 0.02 0.02 0.00 0.00 0.00 0.00 0.0531 0.00264 0.02 0.02 0.00 0.00 0.00 0.00 0.0462 0.00276 0.02 0.02 0.00 0.00 0.00 0.00 0.0402 0.00288 0.02 0.02 0.00 0.00 0.00 0.00 0.0349 0.00300 0.02 0.02 0.00 0.00 0.00 0.00 0.0304 0.00312 0.02 0.02 0.00 0.00 0.00 0.00 0.0264 0.00324 0.01 0.01 0.00 0.00 0.00 0.00 0.0230 0.00336 0.01 0.01 0.00 0.00 0.00 0.00 0.0200 0.00348 0.00 0.00 0.00 0.00 0.00 0.00 0.0174 0.00360 0.00 0.00 0.00 0.00 0.00 0.00 0.0151 0.00

Total 0.00 8.67 8.67 0.00

Exhibit IX Page 6


EC - Standard Auto Physical Damage - Countrywide

Cash Flow Related to Insurance Operations

Months Cash Flowfrom Federal Excess Adjusted

Policy Net Investment Income Cash Cash CashInception Underwriting Income Tax Total Balance Flow Balance

-1 0.00 0.00 0.00 0.00 0.00 0.00 0.000 13.34 0.00 1.64 14.98 14.98 0.00 18.483 5.46 0.94 (2.31) 4.08 19.06 0.00 20.836 7.21 0.65 (0.44) 7.42 26.48 0.00 29.999 0.04 1.06 (2.32) (1.22) 25.25 0.00 27.0312 (3.50) 0.69 (2.11) (4.92) 20.33 0.00 20.3715 (5.71) 0.29 (0.08) (5.50) 14.84 1.65 13.1918 (2.47) 0.13 (0.03) (2.36) 10.79 4.84 5.9521 (1.15) 0.06 (0.01) (1.10) 4.83 2.22 2.6124 (0.57) 0.03 (0.01) (0.55) 2.06 1.03 1.0327 (0.19) 0.01 (0.00) (0.18) 0.85 0.35 0.4930 (0.04) 0.00 (0.00) (0.04) 0.46 0.10 0.3633 (0.02) 0.00 (0.00) (0.01) 0.35 0.05 0.3036 (0.01) 0.00 (0.00) (0.01) 0.28 0.04 0.2539 (0.01) 0.00 (0.00) (0.01) 0.24 0.02 0.2242 (0.00) 0.00 (0.00) (0.00) 0.22 0.02 0.2045 (0.01) 0.00 (0.00) (0.01) 0.19 0.02 0.1748 (0.00) 0.00 (0.00) (0.00) 0.17 0.01 0.1551 (0.00) 0.00 (0.00) 0.00 0.15 0.01 0.1454 (0.00) 0.00 (0.00) (0.00) 0.14 0.01 0.1457 (0.00) 0.00 (0.00) (0.00) 0.13 0.01 0.1260 (0.00) 0.00 (0.00) (0.00) 0.12 0.02 0.1172 (0.01) 0.00 (0.00) (0.00) 0.10 0.02 0.0884 (0.01) 0.00 (0.00) (0.01) 0.07 0.02 0.0596 (0.00) 0.00 (0.00) (0.00) 0.04 0.02 0.03

108 (0.00) 0.00 (0.00) (0.00) 0.02 0.01 0.01120 (0.00) 0.00 (0.00) (0.00) 0.01 0.01 0.01132 (0.00) 0.00 (0.00) 0.00 0.01 0.00 0.00144 (0.00) 0.00 (0.00) (0.00) 0.00 0.00 0.00156 (0.00) 0.00 0.00 (0.00) 0.00 0.00 0.00168 0.00 0.00 0.00 0.00 0.00 0.00 0.00180 0.00 0.00 0.00 0.00 0.00 0.00 0.00192 0.00 0.00 0.00 0.00 0.00 0.00 0.00204 0.00 0.00 0.00 0.00 0.00 0.00 0.00216 0.00 0.00 0.00 0.00 0.00 0.00 0.00228 0.00 0.00 0.00 0.00 0.00 0.00 0.00240 0.00 0.00 0.00 0.00 0.00 0.00 0.00252 0.00 0.00 0.00 0.00 0.00 0.00 0.00264 0.00 0.00 0.00 0.00 0.00 0.00 0.00276 0.00 0.00 0.00 0.00 0.00 0.00 0.00288 0.00 0.00 0.00 0.00 0.00 0.00 0.00300 0.00 0.00 0.00 0.00 0.00 0.00 0.00312 0.00 0.00 0.00 0.00 0.00 0.00 0.00324 0.00 0.00 0.00 0.00 0.00 0.00 0.00336 (0.00) 0.00 (0.00) (0.00) 0.00 0.00 0.00348 (0.00) 0.00 (0.00) (0.00) 0.00 0.00 0.00360 0.00 0.00 (0.00) 0.00 0.00 0.00 0.00

Total 12.34 3.89 (5.68) 10.55

Exhibit IX Page 7



Assets Required to Support Insurance Operations

Months Required Assets Available Assets from Operationsfrom Unearned Loss & Required Salvage & Required AssetsPolicy Premium LAE Required Additional Underlying Premium Subrogation Cash Prior to

Inception Reserve Reserve Surplus Surplus Surplus Total Receivable Receivable Balance Infusion-1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.000 50.00 0.00 77.04 0.00 77.04 127.04 30.21 0.00 18.48 48.693 25.00 6.00 47.77 0.00 47.77 78.77 10.80 1.29 20.83 32.926 50.00 5.62 85.70 0.00 85.70 141.33 30.27 1.52 29.99 61.799 25.00 7.65 50.30 0.00 50.30 82.95 10.80 1.87 27.03 39.69

12 0.00 12.36 19.05 0.00 19.05 31.41 0.06 2.16 20.37 22.5915 0.00 5.62 8.66 0.00 8.66 14.29 0.00 1.13 13.19 14.3218 0.00 2.54 3.91 0.00 3.91 6.45 0.00 0.52 5.95 6.4721 0.00 1.13 1.74 0.00 1.74 2.86 0.00 0.25 2.61 2.8724 0.00 0.47 0.72 0.00 0.72 1.19 0.00 0.17 1.03 1.1927 0.00 0.25 0.38 0.00 0.38 0.62 0.00 0.13 0.49 0.6330 0.00 0.19 0.29 0.00 0.29 0.47 0.00 0.11 0.36 0.4733 0.00 0.15 0.24 0.00 0.24 0.39 0.00 0.09 0.30 0.3936 0.00 0.13 0.20 0.00 0.20 0.33 0.00 0.08 0.25 0.3339 0.00 0.12 0.18 0.00 0.18 0.30 0.00 0.08 0.22 0.3042 0.00 0.11 0.16 0.00 0.16 0.27 0.00 0.07 0.20 0.2745 0.00 0.09 0.14 0.00 0.14 0.23 0.00 0.06 0.17 0.2348 0.00 0.08 0.13 0.00 0.13 0.21 0.00 0.06 0.15 0.2151 0.00 0.08 0.12 0.00 0.12 0.20 0.00 0.05 0.14 0.2054 0.00 0.07 0.11 0.00 0.11 0.19 0.00 0.05 0.14 0.1957 0.00 0.07 0.10 0.00 0.10 0.17 0.00 0.05 0.12 0.1760 0.00 0.06 0.09 0.00 0.09 0.15 0.00 0.04 0.11 0.1572 0.00 0.04 0.07 0.00 0.07 0.11 0.00 0.04 0.08 0.1184 0.00 0.03 0.05 0.00 0.05 0.08 0.00 0.03 0.05 0.0896 0.00 0.02 0.03 0.00 0.03 0.05 0.00 0.02 0.03 0.05108 0.00 0.01 0.02 0.00 0.02 0.03 0.00 0.02 0.01 0.03120 0.00 0.01 0.01 0.00 0.01 0.02 0.00 0.01 0.01 0.02132 0.00 0.01 0.01 0.00 0.01 0.01 0.00 0.01 0.00 0.01144 0.00 0.00 0.00 0.00 0.01 0.01 0.00 0.01 0.00 0.01156 0.00 0.00 0.00 0.00 0.01 0.01 0.00 0.01 0.00 0.01168 0.00 0.00 0.00 0.01 0.01 0.01 0.00 0.01 0.00 0.01180 0.00 0.00 0.00 0.01 0.01 0.01 0.00 0.01 0.00 0.01192 0.00 0.00 0.00 0.01 0.01 0.01 0.00 0.01 0.00 0.01204 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00216 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00228 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00240 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00252 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00264 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00276 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00288 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00300 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00312 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00324 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00336 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00348 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00360 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Exhibit IX Page 8



Infused and Excess Asset Flows Resulting from Insurance Operations

Monthsfrom Assets Required Infused Excess Total Discount DiscountedPolicy Required Prior to Infused Asset Asset Asset Factor at Asset

Inception Assets Infusion Assets Flow Flow Flow 15.0% ROR Flow-1 0.00 0.00 0.00 0.00 0.00 0.00 1.0117 0.000 127.04 48.69 78.35 (78.35) 0.00 (78.35) 1.0000 (78.35)3 78.77 32.92 45.85 32.50 0.00 32.50 0.9657 31.396 141.33 61.79 79.54 (33.69) 0.00 (33.69) 0.9325 (31.42)9 82.95 39.69 43.26 36.28 0.00 36.28 0.9005 32.67

12 31.41 22.59 8.82 34.43 0.00 34.43 0.8696 29.9415 14.29 14.32 0.00 8.82 1.68 10.51 0.8397 8.8218 6.45 6.47 0.00 0.00 4.85 4.85 0.8109 3.9421 2.86 2.87 0.00 0.00 2.22 2.22 0.7830 1.7424 1.19 1.19 0.00 0.00 1.03 1.03 0.7561 0.7827 0.62 0.63 0.00 0.00 0.35 0.35 0.7302 0.2630 0.47 0.47 0.00 0.00 0.10 0.10 0.7051 0.0733 0.39 0.39 0.00 0.00 0.05 0.05 0.6809 0.0436 0.33 0.33 0.00 0.00 0.04 0.04 0.6575 0.0239 0.30 0.30 0.00 0.00 0.02 0.02 0.6349 0.0142 0.27 0.27 0.00 0.00 0.02 0.02 0.6131 0.0145 0.23 0.23 0.00 0.00 0.02 0.02 0.5921 0.0148 0.21 0.21 0.00 0.00 0.01 0.01 0.5718 0.0151 0.20 0.20 0.00 0.00 0.01 0.01 0.5521 0.0054 0.19 0.19 0.00 0.00 0.01 0.01 0.5332 0.0057 0.17 0.17 0.00 0.00 0.01 0.01 0.5149 0.0160 0.15 0.15 0.00 0.00 0.02 0.02 0.4972 0.0172 0.11 0.11 0.00 0.00 0.02 0.02 0.4323 0.0184 0.08 0.08 0.00 0.00 0.02 0.02 0.3759 0.0196 0.05 0.05 0.00 0.00 0.02 0.02 0.3269 0.01108 0.03 0.03 0.00 0.00 0.01 0.01 0.2843 0.00120 0.02 0.02 0.00 0.00 0.01 0.01 0.2472 0.00132 0.01 0.01 0.00 0.00 0.00 0.00 0.2149 0.00144 0.01 0.01 0.00 0.00 0.00 0.00 0.1869 0.00156 0.01 0.01 0.00 0.00 (0.00) (0.00) 0.1625 (0.00)168 0.01 0.01 0.00 0.00 0.00 0.00 0.1413 0.00180 0.01 0.01 0.00 0.00 0.00 0.00 0.1229 0.00192 0.01 0.01 0.00 0.00 0.00 0.00 0.1069 0.00204 0.00 0.00 0.00 0.00 0.00 0.00 0.0929 0.00216 0.00 0.00 0.00 0.00 0.00 0.00 0.0808 0.00228 0.00 0.00 0.00 0.00 0.00 0.00 0.0703 0.00240 0.00 0.00 0.00 0.00 0.00 0.00 0.0611 0.00252 0.00 0.00 0.00 0.00 0.00 0.00 0.0531 0.00264 0.00 0.00 0.00 0.00 0.00 0.00 0.0462 0.00276 0.00 0.00 0.00 0.00 0.00 0.00 0.0402 0.00288 0.00 0.00 0.00 0.00 0.00 0.00 0.0349 0.00300 0.00 0.00 0.00 0.00 0.00 0.00 0.0304 0.00312 0.00 0.00 0.00 0.00 0.00 0.00 0.0264 0.00324 0.00 0.00 0.00 0.00 0.00 0.00 0.0230 0.00336 0.00 0.00 0.00 0.00 0.00 0.00 0.0200 0.00348 0.00 0.00 0.00 0.00 0.00 0.00 0.0174 0.00360 0.00 0.00 0.00 (0.00) 0.00 (0.00) 0.0151 (0.00)

Total (0.00) 10.55 10.55 0.00

Exhibit XPage 1

© 2017 Nationwide



Determination of Trended Permissible Loss and ALAE RatioBodily Injury

Permissible Loss and DCC Expense Ratio Underlying Current Rates1. Variable Expense Ratio 12.5%2. Underwriting Profit Provision 5.0%3. Fixed Expense Ratio 23.7%4. Permissible Loss and DCC Expense Ratio = 100% - (1) - (2) - (3) 58.8%

Trend5. Selected Prospective Loss Trend 4.3%6. Selected Prospective Premium Trend -3.5%7. Average Earned Date Underlying Proposed Rates 9/21/20188. Average Earned Date Underlying Current Rates 12/21/20179. Years of Trend = (7) - (8) 0.7510. Trend Factor = {[1+(5)] ÷ [1+(6)]} (9) 1.060

Trended Permissible Loss and DCC Expense Ratio11. Trended Permissible Loss and DCC Expense Ratio = (4) × (10) 62.3%12. Adjustment for Coverage Change 1.000013. Adjustment for Rate Inadequacy 1.000014. Adjusted Trended Permissible Loss and DCC Expense Ratio = (11) × (12) × (13) 62.3%

Exhibit XPage 2

© 2017 Nationwide



Determination of Trended Permissible Loss and ALAE RatioProperty Damage




Exhibit XPage 3

© 2017 Nationwide



Determination of Trended Permissible Loss and ALAE RatioUninsured Motorists - Bodily Injury




Exhibit XPage 4

© 2017 Nationwide



Determination of Trended Permissible Loss and ALAE RatioUnderinsured Motorists - Bodily Injury




Exhibit XPage 5

© 2017 Nationwide



Determination of Trended Permissible Loss and ALAE RatioAccidental Death Benefits, Combined Loss Benefits, Funeral Benefits, Loss of Income Benefits, Medical

Benefits, Excess Medical Benefits




Exhibit XPage 6

© 2017 Nationwide



Determination of Trended Permissible Loss and ALAE RatioComprehensive




Exhibit XPage 7

© 2017 Nationwide



Determination of Trended Permissible Loss and ALAE RatioCollision


Trend5. Selected Prospective Loss Trend 2.9%6. Selected Prospective Premium Trend 1.4%7. Average Earned Date Underlying Proposed Rates 9/21/20188. Average Earned Date Underlying Current Rates 12/21/20179. Years of Trend = (7) - (8) 0.7510. Trend Factor = {[1+(5)] ÷ [1+(6)]} (9) 1.011


Exhibit XPage 8

© 2017 Nationwide



Determination of Trended Permissible Loss and ALAE RatioLoss of Use


Trend5. Selected Prospective Loss Trend 1.0%6. Selected Prospective Premium Trend 0.5%7. Average Earned Date Underlying Proposed Rates 9/21/20188. Average Earned Date Underlying Current Rates 12/21/20179. Years of Trend = (7) - (8) 0.7510. Trend Factor = {[1+(5)] ÷ [1+(6)]} (9) 1.004


Exhibit XIPage 1

© 2017 Nationwide

Pennsylvania Private Passenger Automobile Nationwide Mutual Insurance Company

Current and Revised Territory Base Rates Effective 12/22/17

BIBodily Injury

TerrIndicated Change

Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change3 7.4% 0.0% 157.20 168.80 7.4% 7.4%

18 7.4% 0.0% 179.30 192.60 7.4% 7.4%21 7.4% 0.0% 258.30 277.40 7.4% 7.4%30 7.4% 0.0% 154.20 165.60 7.4% 7.4%33 7.4% 0.0% 205.50 220.70 7.4% 7.4%43 7.4% 0.0% 162.80 174.80 7.4% 7.4%46 7.4% 0.0% 211.40 227.00 7.4% 7.4%77 7.4% 0.0% 208.10 223.50 7.4% 7.4%78 7.4% 0.0% 193.40 207.70 7.4% 7.4%79 7.4% 0.0% 202.70 217.70 7.4% 7.4%81 7.4% 0.0% 192.20 206.40 7.4% 7.4%84 7.4% 0.0% 172.40 185.20 7.4% 7.4%88 7.4% 0.0% 222.80 239.30 7.4% 7.4%89 7.4% 0.0% 225.50 242.20 7.4% 7.4%94 7.4% 0.0% 201.00 215.90 7.4% 7.4%

100 7.4% 0.0% 206.80 222.10 7.4% 7.4%108 7.4% 0.0% 159.10 170.90 7.4% 7.4%109 7.4% 0.0% 165.90 178.20 7.4% 7.4%112 7.4% 0.0% 206.30 221.60 7.4% 7.4%113 7.4% 0.0% 234.80 252.20 7.4% 7.4%114 7.4% 0.0% 259.80 279.00 7.4% 7.4%126 7.4% 0.0% 438.50 470.90 7.4% 7.4%127 7.4% 0.0% 365.40 392.40 7.4% 7.4%132 7.4% 0.0% 190.00 204.10 7.4% 7.4%135 7.4% 0.0% 172.60 185.40 7.4% 7.4%139 7.4% 0.0% 328.90 353.20 7.4% 7.4%142 7.4% 0.0% 537.20 577.00 7.4% 7.4%143 7.4% 0.0% 674.40 724.30 7.4% 7.4%144 7.4% 0.0% 575.40 618.00 7.4% 7.4%146 7.4% 0.0% 617.50 663.20 7.4% 7.4%147 7.4% 0.0% 680.60 731.00 7.4% 7.4%148 7.4% 0.0% 568.20 610.20 7.4% 7.4%149 7.4% 0.0% 631.60 678.30 7.4% 7.4%150 7.4% 0.0% 613.20 658.60 7.4% 7.4%151 7.4% 0.0% 633.80 680.70 7.4% 7.4%152 7.4% 0.0% 679.40 729.70 7.4% 7.4%153 7.4% 0.0% 648.60 696.60 7.4% 7.4%154 7.4% 0.0% 180.90 194.30 7.4% 7.4%

Exhibit XIPage 2

© 2017 Nationwide



BIBodily Injury


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change155 7.4% 0.0% 168.60 181.10 7.4% 7.4%156 7.4% 0.0% 166.60 178.90 7.4% 7.4%157 7.4% 0.0% 165.00 177.20 7.4% 7.4%158 7.4% 0.0% 168.50 181.00 7.4% 7.4%159 7.4% 0.0% 166.60 178.90 7.4% 7.4%160 7.4% 0.0% 184.10 197.70 7.4% 7.4%161 7.4% 0.0% 170.10 182.70 7.4% 7.4%162 7.4% 0.0% 195.20 209.60 7.4% 7.4%163 7.4% 0.0% 169.80 182.40 7.4% 7.4%164 7.4% 0.0% 188.00 201.90 7.4% 7.4%165 7.4% 0.0% 189.00 203.00 7.4% 7.4%168 7.4% 0.0% 236.60 254.10 7.4% 7.4%169 7.4% 0.0% 265.00 284.60 7.4% 7.4%170 7.4% 0.0% 278.90 299.50 7.4% 7.4%173 7.4% 0.0% 170.50 183.10 7.4% 7.4%174 7.4% 0.0% 196.40 210.90 7.4% 7.4%175 7.4% 0.0% 203.40 218.50 7.4% 7.4%176 7.4% 0.0% 218.50 234.70 7.4% 7.4%177 7.4% 0.0% 199.70 214.50 7.4% 7.4%178 7.4% 0.0% 210.90 226.50 7.4% 7.4%179 7.4% 0.0% 182.70 196.20 7.4% 7.4%180 7.4% 0.0% 169.30 181.80 7.4% 7.4%181 7.4% 0.0% 360.20 386.90 7.4% 7.4%182 7.4% 0.0% 419.10 450.10 7.4% 7.4%183 7.4% 0.0% 410.00 440.30 7.4% 7.4%184 7.4% 0.0% 341.30 366.60 7.4% 7.4%185 7.4% 0.0% 289.60 311.00 7.4% 7.4%186 7.4% 0.0% 303.70 326.20 7.4% 7.4%187 7.4% 0.0% 309.00 331.90 7.4% 7.4%188 7.4% 0.0% 286.00 307.20 7.4% 7.4%191 7.4% 0.0% 192.60 206.90 7.4% 7.4%192 7.4% 0.0% 172.20 184.90 7.4% 7.4%193 7.4% 0.0% 191.30 205.50 7.4% 7.4%194 7.4% 0.0% 198.40 213.10 7.4% 7.4%195 7.4% 0.0% 428.50 460.20 7.4% 7.4%196 7.4% 0.0% 352.20 378.30 7.4% 7.4%197 7.4% 0.0% 358.50 385.00 7.4% 7.4%198 7.4% 0.0% 437.40 469.80 7.4% 7.4%

Exhibit XIPage 3

© 2017 Nationwide



BIBodily Injury


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change199 7.4% 0.0% 465.60 500.10 7.4% 7.4%201 7.4% 0.0% 374.40 402.10 7.4% 7.4%202 7.4% 0.0% 226.20 242.90 7.4% 7.4%203 7.4% 0.0% 205.90 221.10 7.4% 7.4%204 7.4% 0.0% 223.70 240.30 7.4% 7.4%205 7.4% 0.0% 198.80 213.50 7.4% 7.4%206 7.4% 0.0% 182.90 196.40 7.4% 7.4%207 7.4% 0.0% 184.10 197.70 7.4% 7.4%208 7.4% 0.0% 191.10 205.20 7.4% 7.4%210 7.4% 0.0% 191.10 205.20 7.4% 7.4%212 7.4% 0.0% 196.40 210.90 7.4% 7.4%213 7.4% 0.0% 349.20 375.00 7.4% 7.4%214 7.4% 0.0% 265.50 285.10 7.4% 7.4%215 7.4% 0.0% 189.40 203.40 7.4% 7.4%217 7.4% 0.0% 194.90 209.30 7.4% 7.4%218 7.4% 0.0% 189.10 203.10 7.4% 7.4%221 7.4% 0.0% 201.70 216.60 7.4% 7.4%222 7.4% 0.0% 204.80 220.00 7.4% 7.4%223 7.4% 0.0% 197.20 211.80 7.4% 7.4%224 7.4% 0.0% 193.80 208.10 7.4% 7.4%225 7.4% 0.0% 197.10 211.70 7.4% 7.4%226 7.4% 0.0% 203.80 218.90 7.4% 7.4%227 7.4% 0.0% 197.10 211.70 7.4% 7.4%228 7.4% 0.0% 177.00 190.10 7.4% 7.4%229 7.4% 0.0% 162.90 175.00 7.4% 7.4%999 7.4% 0.0% 240.80 258.60 7.4% 7.4%

Exhibit XIPage 4

© 2017 Nationwide



PDProperty Damage


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change3 8.1% 0.0% 172.50 186.50 8.1% 8.1%

18 8.1% 0.0% 129.90 140.40 8.1% 8.1%21 8.1% 0.0% 179.60 194.10 8.1% 8.1%30 8.1% 0.0% 157.20 169.90 8.1% 8.1%33 8.1% 0.0% 159.70 172.60 8.1% 8.1%43 8.1% 0.0% 183.20 198.00 8.1% 8.1%46 8.1% 0.0% 168.10 181.70 8.1% 8.1%77 8.1% 0.0% 184.50 199.40 8.1% 8.1%78 8.1% 0.0% 175.60 189.80 8.1% 8.1%79 8.1% 0.0% 168.20 181.80 8.1% 8.1%81 8.1% 0.0% 160.90 173.90 8.1% 8.1%84 8.1% 0.0% 187.90 203.10 8.1% 8.1%88 8.1% 0.0% 159.60 172.50 8.1% 8.1%89 8.1% 0.0% 161.90 175.00 8.1% 8.1%94 8.1% 0.0% 148.10 160.10 8.1% 8.1%

100 8.1% 0.0% 197.40 213.40 8.1% 8.1%108 8.1% 0.0% 154.70 167.20 8.1% 8.1%109 8.1% 0.0% 141.90 153.40 8.1% 8.1%112 8.1% 0.0% 158.40 171.20 8.1% 8.1%113 8.1% 0.0% 165.00 178.40 8.1% 8.1%114 8.1% 0.0% 183.20 198.00 8.1% 8.1%126 8.1% 0.0% 280.70 303.40 8.1% 8.1%127 8.1% 0.0% 246.30 266.30 8.1% 8.1%132 8.1% 0.0% 181.10 195.80 8.1% 8.1%135 8.1% 0.0% 175.30 189.50 8.1% 8.1%139 8.1% 0.0% 247.60 267.70 8.1% 8.1%142 8.1% 0.0% 236.30 255.40 8.1% 8.1%143 8.1% 0.0% 267.40 289.10 8.1% 8.1%144 8.1% 0.0% 274.40 296.60 8.1% 8.1%146 8.1% 0.0% 241.50 261.10 8.1% 8.1%147 8.1% 0.0% 242.90 262.60 8.1% 8.1%148 8.1% 0.0% 264.70 286.10 8.1% 8.1%149 8.1% 0.0% 213.50 230.80 8.1% 8.1%150 8.1% 0.0% 212.90 230.10 8.1% 8.1%151 8.1% 0.0% 221.00 238.90 8.1% 8.1%152 8.1% 0.0% 228.80 247.30 8.1% 8.1%153 8.1% 0.0% 212.70 229.90 8.1% 8.1%154 8.1% 0.0% 164.00 177.30 8.1% 8.1%

Exhibit XIPage 5

© 2017 Nationwide



PDProperty Damage


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change155 8.1% 0.0% 160.20 173.20 8.1% 8.1%156 8.1% 0.0% 145.60 157.40 8.1% 8.1%157 8.1% 0.0% 178.90 193.40 8.1% 8.1%158 8.1% 0.0% 202.20 218.60 8.1% 8.1%159 8.1% 0.0% 144.70 156.40 8.1% 8.1%160 8.1% 0.0% 146.20 158.00 8.1% 8.1%161 8.1% 0.0% 179.80 194.40 8.1% 8.1%162 8.1% 0.0% 195.80 211.70 8.1% 8.1%163 8.1% 0.0% 168.40 182.00 8.1% 8.1%164 8.1% 0.0% 151.80 164.10 8.1% 8.1%165 8.1% 0.0% 159.70 172.60 8.1% 8.1%168 8.1% 0.0% 211.00 228.10 8.1% 8.1%169 8.1% 0.0% 236.20 255.30 8.1% 8.1%170 8.1% 0.0% 227.70 246.10 8.1% 8.1%173 8.1% 0.0% 168.80 182.50 8.1% 8.1%174 8.1% 0.0% 208.20 225.10 8.1% 8.1%175 8.1% 0.0% 205.60 222.30 8.1% 8.1%176 8.1% 0.0% 185.90 201.00 8.1% 8.1%177 8.1% 0.0% 198.30 214.40 8.1% 8.1%178 8.1% 0.0% 189.20 204.50 8.1% 8.1%179 8.1% 0.0% 197.20 213.20 8.1% 8.1%180 8.1% 0.0% 187.80 203.00 8.1% 8.1%181 8.1% 0.0% 252.80 273.30 8.1% 8.1%182 8.1% 0.0% 254.40 275.00 8.1% 8.1%183 8.1% 0.0% 257.60 278.50 8.1% 8.1%184 8.1% 0.0% 223.20 241.30 8.1% 8.1%185 8.1% 0.0% 224.00 242.10 8.1% 8.1%186 8.1% 0.0% 219.00 236.70 8.1% 8.1%187 8.1% 0.0% 233.00 251.90 8.1% 8.1%188 8.1% 0.0% 231.30 250.00 8.1% 8.1%191 8.1% 0.0% 170.70 184.50 8.1% 8.1%192 8.1% 0.0% 175.90 190.10 8.1% 8.1%193 8.1% 0.0% 167.00 180.50 8.1% 8.1%194 8.1% 0.0% 164.70 178.00 8.1% 8.1%195 8.1% 0.0% 238.50 257.80 8.1% 8.1%196 8.1% 0.0% 235.00 254.00 8.1% 8.1%197 8.1% 0.0% 242.20 261.80 8.1% 8.1%198 8.1% 0.0% 266.30 287.90 8.1% 8.1%

Exhibit XIPage 6

© 2017 Nationwide



PDProperty Damage


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change199 8.1% 0.0% 275.00 297.30 8.1% 8.1%201 8.1% 0.0% 253.70 274.20 8.1% 8.1%202 8.1% 0.0% 203.00 219.40 8.1% 8.1%203 8.1% 0.0% 179.50 194.00 8.1% 8.1%204 8.1% 0.0% 177.00 191.30 8.1% 8.1%205 8.1% 0.0% 156.20 168.90 8.1% 8.1%206 8.1% 0.0% 200.50 216.70 8.1% 8.1%207 8.1% 0.0% 170.50 184.30 8.1% 8.1%208 8.1% 0.0% 204.70 221.30 8.1% 8.1%210 8.1% 0.0% 180.80 195.40 8.1% 8.1%212 8.1% 0.0% 195.40 211.20 8.1% 8.1%213 8.1% 0.0% 256.50 277.30 8.1% 8.1%214 8.1% 0.0% 229.40 248.00 8.1% 8.1%215 8.1% 0.0% 176.60 190.90 8.1% 8.1%217 8.1% 0.0% 199.70 215.90 8.1% 8.1%218 8.1% 0.0% 162.30 175.40 8.1% 8.1%221 8.1% 0.0% 155.70 168.30 8.1% 8.1%222 8.1% 0.0% 175.30 189.50 8.1% 8.1%223 8.1% 0.0% 169.70 183.40 8.1% 8.1%224 8.1% 0.0% 175.40 189.60 8.1% 8.1%225 8.1% 0.0% 169.70 183.40 8.1% 8.1%226 8.1% 0.0% 182.50 197.30 8.1% 8.1%227 8.1% 0.0% 169.70 183.40 8.1% 8.1%228 8.1% 0.0% 176.20 190.50 8.1% 8.1%229 8.1% 0.0% 156.60 169.30 8.1% 8.1%999 8.1% 0.0% 194.20 209.90 8.1% 8.1%

Exhibit XIPage 7

© 2017 Nationwide



FPBMedical Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change3 6.3% 0.0% 194.40 206.60 6.3% 6.3%

18 6.3% 0.0% 210.50 223.80 6.3% 6.3%21 6.3% 0.0% 261.70 278.20 6.3% 6.3%30 6.3% 0.0% 181.30 192.70 6.3% 6.3%33 6.3% 0.0% 245.60 261.10 6.3% 6.3%43 6.3% 0.0% 215.40 229.00 6.3% 6.3%46 6.3% 0.0% 262.10 278.60 6.3% 6.3%77 6.3% 0.0% 243.30 258.60 6.3% 6.3%78 6.3% 0.0% 205.70 218.70 6.3% 6.3%79 6.3% 0.0% 218.20 231.90 6.3% 6.3%81 6.3% 0.0% 224.00 238.10 6.3% 6.3%84 6.3% 0.0% 181.50 192.90 6.3% 6.3%88 6.3% 0.0% 226.50 240.80 6.3% 6.3%89 6.3% 0.0% 242.90 258.20 6.3% 6.3%94 6.3% 0.0% 185.90 197.60 6.3% 6.3%

100 6.3% 0.0% 209.10 222.30 6.3% 6.3%108 6.3% 0.0% 149.10 158.50 6.3% 6.3%109 6.3% 0.0% 157.00 166.90 6.3% 6.3%112 6.3% 0.0% 224.30 238.40 6.3% 6.3%113 6.3% 0.0% 341.20 362.70 6.3% 6.3%114 6.3% 0.0% 350.50 372.60 6.3% 6.3%126 6.3% 0.0% 489.60 520.40 6.3% 6.3%127 6.3% 0.0% 361.80 384.60 6.3% 6.3%132 6.3% 0.0% 209.80 223.00 6.3% 6.3%135 6.3% 0.0% 205.10 218.00 6.3% 6.3%139 6.3% 0.0% 323.60 344.00 6.3% 6.3%142 6.3% 0.0% 701.50 745.70 6.3% 6.3%143 6.3% 0.0% 869.40 924.20 6.3% 6.3%144 6.3% 0.0% 701.60 745.80 6.3% 6.3%146 6.3% 0.0% 891.30 947.50 6.3% 6.3%147 6.3% 0.0% 766.60 814.90 6.3% 6.3%148 6.3% 0.0% 701.60 745.80 6.3% 6.3%149 6.3% 0.0% 812.90 864.10 6.3% 6.3%150 6.3% 0.0% 742.10 788.90 6.3% 6.3%151 6.3% 0.0% 750.10 797.40 6.3% 6.3%152 6.3% 0.0% 822.30 874.10 6.3% 6.3%153 6.3% 0.0% 933.40 992.20 6.3% 6.3%154 6.3% 0.0% 181.00 192.40 6.3% 6.3%

Exhibit XIPage 8

© 2017 Nationwide



FPBMedical Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change155 6.3% 0.0% 181.30 192.70 6.3% 6.3%156 6.3% 0.0% 220.30 234.20 6.3% 6.3%157 6.3% 0.0% 194.60 206.90 6.3% 6.3%158 6.3% 0.0% 284.70 302.60 6.3% 6.3%159 6.3% 0.0% 177.50 188.70 6.3% 6.3%160 6.3% 0.0% 184.60 196.20 6.3% 6.3%161 6.3% 0.0% 158.60 168.60 6.3% 6.3%162 6.3% 0.0% 213.00 226.40 6.3% 6.3%163 6.3% 0.0% 176.20 187.30 6.3% 6.3%164 6.3% 0.0% 242.00 257.20 6.3% 6.3%165 6.3% 0.0% 247.40 263.00 6.3% 6.3%168 6.3% 0.0% 248.50 264.20 6.3% 6.3%169 6.3% 0.0% 238.80 253.80 6.3% 6.3%170 6.3% 0.0% 275.20 292.50 6.3% 6.3%173 6.3% 0.0% 153.80 163.50 6.3% 6.3%174 6.3% 0.0% 257.30 273.50 6.3% 6.3%175 6.3% 0.0% 216.50 230.10 6.3% 6.3%176 6.3% 0.0% 220.30 234.20 6.3% 6.3%177 6.3% 0.0% 218.60 232.40 6.3% 6.3%178 6.3% 0.0% 215.60 229.20 6.3% 6.3%179 6.3% 0.0% 210.50 223.80 6.3% 6.3%180 6.3% 0.0% 197.50 209.90 6.3% 6.3%181 6.3% 0.0% 370.40 393.70 6.3% 6.3%182 6.3% 0.0% 464.90 494.20 6.3% 6.3%183 6.3% 0.0% 428.90 455.90 6.3% 6.3%184 6.3% 0.0% 360.00 382.70 6.3% 6.3%185 6.3% 0.0% 276.40 293.80 6.3% 6.3%186 6.3% 0.0% 281.50 299.20 6.3% 6.3%187 6.3% 0.0% 321.50 341.80 6.3% 6.3%188 6.3% 0.0% 305.50 324.70 6.3% 6.3%191 6.3% 0.0% 240.40 255.50 6.3% 6.3%192 6.3% 0.0% 198.00 210.50 6.3% 6.3%193 6.3% 0.0% 201.30 214.00 6.3% 6.3%194 6.3% 0.0% 237.60 252.60 6.3% 6.3%195 6.3% 0.0% 499.80 531.30 6.3% 6.3%196 6.3% 0.0% 360.20 382.90 6.3% 6.3%197 6.3% 0.0% 339.10 360.50 6.3% 6.3%198 6.3% 0.0% 420.50 447.00 6.3% 6.3%

Exhibit XIPage 9

© 2017 Nationwide



FPBMedical Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change199 6.3% 0.0% 516.60 549.10 6.3% 6.3%201 6.3% 0.0% 314.50 334.30 6.3% 6.3%202 6.3% 0.0% 240.70 255.90 6.3% 6.3%203 6.3% 0.0% 217.70 231.40 6.3% 6.3%204 6.3% 0.0% 232.50 247.10 6.3% 6.3%205 6.3% 0.0% 210.90 224.20 6.3% 6.3%206 6.3% 0.0% 227.80 242.20 6.3% 6.3%207 6.3% 0.0% 208.50 221.60 6.3% 6.3%208 6.3% 0.0% 213.30 226.70 6.3% 6.3%210 6.3% 0.0% 235.00 249.80 6.3% 6.3%212 6.3% 0.0% 223.60 237.70 6.3% 6.3%213 6.3% 0.0% 363.20 386.10 6.3% 6.3%214 6.3% 0.0% 272.60 289.80 6.3% 6.3%215 6.3% 0.0% 208.50 221.60 6.3% 6.3%217 6.3% 0.0% 224.20 238.30 6.3% 6.3%218 6.3% 0.0% 200.90 213.60 6.3% 6.3%221 6.3% 0.0% 248.50 264.20 6.3% 6.3%222 6.3% 0.0% 263.90 280.50 6.3% 6.3%223 6.3% 0.0% 233.90 248.60 6.3% 6.3%224 6.3% 0.0% 219.20 233.00 6.3% 6.3%225 6.3% 0.0% 233.70 248.40 6.3% 6.3%226 6.3% 0.0% 217.70 231.40 6.3% 6.3%227 6.3% 0.0% 233.70 248.40 6.3% 6.3%228 6.3% 0.0% 210.50 223.80 6.3% 6.3%229 6.3% 0.0% 196.80 209.20 6.3% 6.3%999 6.3% 0.0% 264.40 281.10 6.3% 6.3%

Exhibit XIPage 10

© 2017 Nationwide



FPBFuneral Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change3 6.3% 0.0% 1.30 1.40 7.7% 7.7%

18 6.3% 0.0% 1.30 1.40 7.7% 7.7%21 6.3% 0.0% 1.20 1.30 8.3% 8.3%30 6.3% 0.0% 1.30 1.40 7.7% 7.7%33 6.3% 0.0% 1.30 1.40 7.7% 7.7%43 6.3% 0.0% 1.30 1.40 7.7% 7.7%46 6.3% 0.0% 1.30 1.40 7.7% 7.7%77 6.3% 0.0% 1.30 1.40 7.7% 7.7%78 6.3% 0.0% 1.30 1.40 7.7% 7.7%79 6.3% 0.0% 1.20 1.30 8.3% 8.3%81 6.3% 0.0% 1.30 1.40 7.7% 7.7%84 6.3% 0.0% 1.30 1.40 7.7% 7.7%88 6.3% 0.0% 1.30 1.40 7.7% 7.7%89 6.3% 0.0% 1.30 1.40 7.7% 7.7%94 6.3% 0.0% 1.30 1.40 7.7% 7.7%

100 6.3% 0.0% 1.30 1.40 7.7% 7.7%108 6.3% 0.0% 1.30 1.40 7.7% 7.7%109 6.3% 0.0% 1.30 1.40 7.7% 7.7%112 6.3% 0.0% 1.30 1.40 7.7% 7.7%113 6.3% 0.0% 1.30 1.40 7.7% 7.7%114 6.3% 0.0% 1.30 1.40 7.7% 7.7%126 6.3% 0.0% 1.30 1.40 7.7% 7.7%127 6.3% 0.0% 1.20 1.30 8.3% 8.3%132 6.3% 0.0% 1.30 1.40 7.7% 7.7%135 6.3% 0.0% 1.30 1.40 7.7% 7.7%139 6.3% 0.0% 1.30 1.40 7.7% 7.7%142 6.3% 0.0% 1.30 1.40 7.7% 7.7%143 6.3% 0.0% 1.30 1.40 7.7% 7.7%144 6.3% 0.0% 1.30 1.40 7.7% 7.7%146 6.3% 0.0% 1.30 1.40 7.7% 7.7%147 6.3% 0.0% 1.30 1.40 7.7% 7.7%148 6.3% 0.0% 1.30 1.40 7.7% 7.7%149 6.3% 0.0% 1.30 1.40 7.7% 7.7%150 6.3% 0.0% 1.30 1.40 7.7% 7.7%151 6.3% 0.0% 1.30 1.40 7.7% 7.7%152 6.3% 0.0% 1.30 1.40 7.7% 7.7%153 6.3% 0.0% 1.30 1.40 7.7% 7.7%154 6.3% 0.0% 1.20 1.30 8.3% 8.3%

Exhibit XIPage 11

© 2017 Nationwide



FPBFuneral Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change155 6.3% 0.0% 1.30 1.40 7.7% 7.7%156 6.3% 0.0% 1.30 1.40 7.7% 7.7%157 6.3% 0.0% 1.30 1.40 7.7% 7.7%158 6.3% 0.0% 1.30 1.40 7.7% 7.7%159 6.3% 0.0% 1.30 1.40 7.7% 7.7%160 6.3% 0.0% 1.30 1.40 7.7% 7.7%161 6.3% 0.0% 1.30 1.40 7.7% 7.7%162 6.3% 0.0% 1.20 1.30 8.3% 8.3%163 6.3% 0.0% 1.30 1.40 7.7% 7.7%164 6.3% 0.0% 1.20 1.30 8.3% 8.3%165 6.3% 0.0% 1.20 1.30 8.3% 8.3%168 6.3% 0.0% 1.30 1.40 7.7% 7.7%169 6.3% 0.0% 1.30 1.40 7.7% 7.7%170 6.3% 0.0% 1.20 1.30 8.3% 8.3%173 6.3% 0.0% 1.30 1.40 7.7% 7.7%174 6.3% 0.0% 1.20 1.30 8.3% 8.3%175 6.3% 0.0% 1.20 1.30 8.3% 8.3%176 6.3% 0.0% 1.20 1.30 8.3% 8.3%177 6.3% 0.0% 1.20 1.30 8.3% 8.3%178 6.3% 0.0% 1.30 1.40 7.7% 7.7%179 6.3% 0.0% 1.30 1.40 7.7% 7.7%180 6.3% 0.0% 1.20 1.30 8.3% 8.3%181 6.3% 0.0% 1.30 1.40 7.7% 7.7%182 6.3% 0.0% 1.20 1.30 8.3% 8.3%183 6.3% 0.0% 1.30 1.40 7.7% 7.7%184 6.3% 0.0% 1.30 1.40 7.7% 7.7%185 6.3% 0.0% 1.30 1.40 7.7% 7.7%186 6.3% 0.0% 1.30 1.40 7.7% 7.7%187 6.3% 0.0% 1.30 1.40 7.7% 7.7%188 6.3% 0.0% 1.30 1.40 7.7% 7.7%191 6.3% 0.0% 1.30 1.40 7.7% 7.7%192 6.3% 0.0% 1.30 1.40 7.7% 7.7%193 6.3% 0.0% 1.30 1.40 7.7% 7.7%194 6.3% 0.0% 1.30 1.40 7.7% 7.7%195 6.3% 0.0% 1.30 1.40 7.7% 7.7%196 6.3% 0.0% 1.30 1.40 7.7% 7.7%197 6.3% 0.0% 1.20 1.30 8.3% 8.3%198 6.3% 0.0% 1.30 1.40 7.7% 7.7%

Exhibit XIPage 12

© 2017 Nationwide



FPBFuneral Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change199 6.3% 0.0% 1.30 1.40 7.7% 7.7%201 6.3% 0.0% 1.20 1.30 8.3% 8.3%202 6.3% 0.0% 1.30 1.40 7.7% 7.7%203 6.3% 0.0% 1.20 1.30 8.3% 8.3%204 6.3% 0.0% 1.30 1.40 7.7% 7.7%205 6.3% 0.0% 1.30 1.40 7.7% 7.7%206 6.3% 0.0% 1.30 1.40 7.7% 7.7%207 6.3% 0.0% 1.30 1.40 7.7% 7.7%208 6.3% 0.0% 1.30 1.40 7.7% 7.7%210 6.3% 0.0% 1.30 1.40 7.7% 7.7%212 6.3% 0.0% 1.20 1.30 8.3% 8.3%213 6.3% 0.0% 1.30 1.40 7.7% 7.7%214 6.3% 0.0% 1.20 1.30 8.3% 8.3%215 6.3% 0.0% 1.30 1.40 7.7% 7.7%217 6.3% 0.0% 1.30 1.40 7.7% 7.7%218 6.3% 0.0% 1.30 1.40 7.7% 7.7%221 6.3% 0.0% 1.30 1.40 7.7% 7.7%222 6.3% 0.0% 1.30 1.40 7.7% 7.7%223 6.3% 0.0% 1.20 1.30 8.3% 8.3%224 6.3% 0.0% 1.20 1.30 8.3% 8.3%225 6.3% 0.0% 1.30 1.40 7.7% 7.7%226 6.3% 0.0% 1.20 1.30 8.3% 8.3%227 6.3% 0.0% 1.30 1.40 7.7% 7.7%228 6.3% 0.0% 1.20 1.30 8.3% 8.3%229 6.3% 0.0% 1.30 1.40 7.7% 7.7%999 6.3% 0.0% 1.30 1.40 7.7% 7.7%

Exhibit XIPage 13

© 2017 Nationwide



FPBAccidental Death Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change3 6.3% 0.0% 8.90 9.50 6.7% 6.7%

18 6.3% 0.0% 9.20 9.80 6.5% 6.5%21 6.3% 0.0% 8.90 9.50 6.7% 6.7%30 6.3% 0.0% 8.90 9.50 6.7% 6.7%33 6.3% 0.0% 8.90 9.50 6.7% 6.7%43 6.3% 0.0% 9.00 9.60 6.7% 6.7%46 6.3% 0.0% 8.90 9.50 6.7% 6.7%77 6.3% 0.0% 8.90 9.50 6.7% 6.7%78 6.3% 0.0% 8.90 9.50 6.7% 6.7%79 6.3% 0.0% 8.90 9.50 6.7% 6.7%81 6.3% 0.0% 9.10 9.70 6.6% 6.6%84 6.3% 0.0% 8.90 9.50 6.7% 6.7%88 6.3% 0.0% 8.90 9.50 6.7% 6.7%89 6.3% 0.0% 8.90 9.50 6.7% 6.7%94 6.3% 0.0% 8.90 9.50 6.7% 6.7%

100 6.3% 0.0% 9.00 9.60 6.7% 6.7%108 6.3% 0.0% 8.90 9.50 6.7% 6.7%109 6.3% 0.0% 8.90 9.50 6.7% 6.7%112 6.3% 0.0% 8.90 9.50 6.7% 6.7%113 6.3% 0.0% 8.90 9.50 6.7% 6.7%114 6.3% 0.0% 9.00 9.60 6.7% 6.7%126 6.3% 0.0% 8.90 9.50 6.7% 6.7%127 6.3% 0.0% 8.90 9.50 6.7% 6.7%132 6.3% 0.0% 8.90 9.50 6.7% 6.7%135 6.3% 0.0% 8.90 9.50 6.7% 6.7%139 6.3% 0.0% 8.90 9.50 6.7% 6.7%142 6.3% 0.0% 9.00 9.60 6.7% 6.7%143 6.3% 0.0% 8.90 9.50 6.7% 6.7%144 6.3% 0.0% 8.90 9.50 6.7% 6.7%146 6.3% 0.0% 8.90 9.50 6.7% 6.7%147 6.3% 0.0% 8.90 9.50 6.7% 6.7%148 6.3% 0.0% 8.90 9.50 6.7% 6.7%149 6.3% 0.0% 8.90 9.50 6.7% 6.7%150 6.3% 0.0% 8.90 9.50 6.7% 6.7%151 6.3% 0.0% 8.90 9.50 6.7% 6.7%152 6.3% 0.0% 8.90 9.50 6.7% 6.7%153 6.3% 0.0% 8.90 9.50 6.7% 6.7%154 6.3% 0.0% 8.80 9.40 6.8% 6.8%

Exhibit XIPage 14

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change155 6.3% 0.0% 8.90 9.50 6.7% 6.7%156 6.3% 0.0% 9.30 9.90 6.5% 6.5%157 6.3% 0.0% 8.90 9.50 6.7% 6.7%158 6.3% 0.0% 8.90 9.50 6.7% 6.7%159 6.3% 0.0% 9.20 9.80 6.5% 6.5%160 6.3% 0.0% 8.90 9.50 6.7% 6.7%161 6.3% 0.0% 8.90 9.50 6.7% 6.7%162 6.3% 0.0% 8.90 9.50 6.7% 6.7%163 6.3% 0.0% 8.90 9.50 6.7% 6.7%164 6.3% 0.0% 8.90 9.50 6.7% 6.7%165 6.3% 0.0% 8.90 9.50 6.7% 6.7%168 6.3% 0.0% 9.00 9.60 6.7% 6.7%169 6.3% 0.0% 8.90 9.50 6.7% 6.7%170 6.3% 0.0% 8.90 9.50 6.7% 6.7%173 6.3% 0.0% 8.90 9.50 6.7% 6.7%174 6.3% 0.0% 8.90 9.50 6.7% 6.7%175 6.3% 0.0% 8.90 9.50 6.7% 6.7%176 6.3% 0.0% 8.90 9.50 6.7% 6.7%177 6.3% 0.0% 8.90 9.50 6.7% 6.7%178 6.3% 0.0% 8.90 9.50 6.7% 6.7%179 6.3% 0.0% 8.90 9.50 6.7% 6.7%180 6.3% 0.0% 8.90 9.50 6.7% 6.7%181 6.3% 0.0% 8.90 9.50 6.7% 6.7%182 6.3% 0.0% 8.90 9.50 6.7% 6.7%183 6.3% 0.0% 8.90 9.50 6.7% 6.7%184 6.3% 0.0% 8.90 9.50 6.7% 6.7%185 6.3% 0.0% 8.90 9.50 6.7% 6.7%186 6.3% 0.0% 8.90 9.50 6.7% 6.7%187 6.3% 0.0% 8.90 9.50 6.7% 6.7%188 6.3% 0.0% 8.90 9.50 6.7% 6.7%191 6.3% 0.0% 9.30 9.90 6.5% 6.5%192 6.3% 0.0% 8.90 9.50 6.7% 6.7%193 6.3% 0.0% 8.90 9.50 6.7% 6.7%194 6.3% 0.0% 8.90 9.50 6.7% 6.7%195 6.3% 0.0% 8.90 9.50 6.7% 6.7%196 6.3% 0.0% 8.90 9.50 6.7% 6.7%197 6.3% 0.0% 8.90 9.50 6.7% 6.7%198 6.3% 0.0% 8.90 9.50 6.7% 6.7%

Exhibit XIPage 15

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change199 6.3% 0.0% 9.00 9.60 6.7% 6.7%201 6.3% 0.0% 8.90 9.50 6.7% 6.7%202 6.3% 0.0% 8.90 9.50 6.7% 6.7%203 6.3% 0.0% 8.90 9.50 6.7% 6.7%204 6.3% 0.0% 8.90 9.50 6.7% 6.7%205 6.3% 0.0% 9.00 9.60 6.7% 6.7%206 6.3% 0.0% 8.90 9.50 6.7% 6.7%207 6.3% 0.0% 8.90 9.50 6.7% 6.7%208 6.3% 0.0% 8.90 9.50 6.7% 6.7%210 6.3% 0.0% 8.90 9.50 6.7% 6.7%212 6.3% 0.0% 8.90 9.50 6.7% 6.7%213 6.3% 0.0% 8.90 9.50 6.7% 6.7%214 6.3% 0.0% 8.90 9.50 6.7% 6.7%215 6.3% 0.0% 8.90 9.50 6.7% 6.7%217 6.3% 0.0% 9.10 9.70 6.6% 6.6%218 6.3% 0.0% 9.20 9.80 6.5% 6.5%221 6.3% 0.0% 8.90 9.50 6.7% 6.7%222 6.3% 0.0% 8.90 9.50 6.7% 6.7%223 6.3% 0.0% 8.90 9.50 6.7% 6.7%224 6.3% 0.0% 8.90 9.50 6.7% 6.7%225 6.3% 0.0% 8.90 9.50 6.7% 6.7%226 6.3% 0.0% 8.90 9.50 6.7% 6.7%227 6.3% 0.0% 8.90 9.50 6.7% 6.7%228 6.3% 0.0% 8.90 9.50 6.7% 6.7%229 6.3% 0.0% 9.10 9.70 6.6% 6.6%999 6.3% 0.0% 8.90 9.50 6.7% 6.7%

Exhibit XIPage 16

© 2017 Nationwide



FPBLoss of Income Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change3 6.3% 0.0% 20.40 21.70 6.4% 6.4%

18 6.3% 0.0% 27.10 28.80 6.3% 6.3%21 6.3% 0.0% 29.20 31.00 6.2% 6.2%30 6.3% 0.0% 19.80 21.00 6.1% 6.1%33 6.3% 0.0% 26.10 27.70 6.1% 6.1%43 6.3% 0.0% 21.50 22.90 6.5% 6.5%46 6.3% 0.0% 28.00 29.80 6.4% 6.4%77 6.3% 0.0% 30.00 31.90 6.3% 6.3%78 6.3% 0.0% 27.70 29.40 6.1% 6.1%79 6.3% 0.0% 28.90 30.70 6.2% 6.2%81 6.3% 0.0% 23.10 24.60 6.5% 6.5%84 6.3% 0.0% 23.00 24.40 6.1% 6.1%88 6.3% 0.0% 28.30 30.10 6.4% 6.4%89 6.3% 0.0% 32.30 34.30 6.2% 6.2%94 6.3% 0.0% 26.20 27.90 6.5% 6.5%

100 6.3% 0.0% 24.50 26.00 6.1% 6.1%108 6.3% 0.0% 22.60 24.00 6.2% 6.2%109 6.3% 0.0% 22.30 23.70 6.3% 6.3%112 6.3% 0.0% 33.70 35.80 6.2% 6.2%113 6.3% 0.0% 35.60 37.80 6.2% 6.2%114 6.3% 0.0% 38.90 41.40 6.4% 6.4%126 6.3% 0.0% 38.70 41.10 6.2% 6.2%127 6.3% 0.0% 31.60 33.60 6.3% 6.3%132 6.3% 0.0% 23.40 24.90 6.4% 6.4%135 6.3% 0.0% 23.10 24.60 6.5% 6.5%139 6.3% 0.0% 29.90 31.80 6.4% 6.4%142 6.3% 0.0% 61.70 65.60 6.3% 6.3%143 6.3% 0.0% 62.80 66.80 6.4% 6.4%144 6.3% 0.0% 61.70 65.60 6.3% 6.3%146 6.3% 0.0% 75.50 80.30 6.4% 6.4%147 6.3% 0.0% 76.50 81.30 6.3% 6.3%148 6.3% 0.0% 61.70 65.60 6.3% 6.3%149 6.3% 0.0% 77.50 82.40 6.3% 6.3%150 6.3% 0.0% 84.00 89.30 6.3% 6.3%151 6.3% 0.0% 95.20 101.20 6.3% 6.3%152 6.3% 0.0% 97.10 103.20 6.3% 6.3%153 6.3% 0.0% 77.80 82.70 6.3% 6.3%154 6.3% 0.0% 21.40 22.70 6.1% 6.1%

Exhibit XIPage 17

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change155 6.3% 0.0% 23.10 24.60 6.5% 6.5%156 6.3% 0.0% 24.50 26.00 6.1% 6.1%157 6.3% 0.0% 25.40 27.00 6.3% 6.3%158 6.3% 0.0% 30.20 32.10 6.3% 6.3%159 6.3% 0.0% 22.30 23.70 6.3% 6.3%160 6.3% 0.0% 23.00 24.40 6.1% 6.1%161 6.3% 0.0% 22.10 23.50 6.3% 6.3%162 6.3% 0.0% 24.60 26.10 6.1% 6.1%163 6.3% 0.0% 22.90 24.30 6.1% 6.1%164 6.3% 0.0% 31.60 33.60 6.3% 6.3%165 6.3% 0.0% 31.50 33.50 6.3% 6.3%168 6.3% 0.0% 22.20 23.60 6.3% 6.3%169 6.3% 0.0% 22.00 23.40 6.4% 6.4%170 6.3% 0.0% 22.70 24.10 6.2% 6.2%173 6.3% 0.0% 22.20 23.60 6.3% 6.3%174 6.3% 0.0% 30.20 32.10 6.3% 6.3%175 6.3% 0.0% 26.90 28.60 6.3% 6.3%176 6.3% 0.0% 26.50 28.20 6.4% 6.4%177 6.3% 0.0% 28.30 30.10 6.4% 6.4%178 6.3% 0.0% 28.30 30.10 6.4% 6.4%179 6.3% 0.0% 28.70 30.50 6.3% 6.3%180 6.3% 0.0% 23.70 25.20 6.3% 6.3%181 6.3% 0.0% 32.60 34.70 6.4% 6.4%182 6.3% 0.0% 41.70 44.30 6.2% 6.2%183 6.3% 0.0% 45.20 48.00 6.2% 6.2%184 6.3% 0.0% 33.70 35.80 6.2% 6.2%185 6.3% 0.0% 28.20 30.00 6.4% 6.4%186 6.3% 0.0% 25.50 27.10 6.3% 6.3%187 6.3% 0.0% 28.60 30.40 6.3% 6.3%188 6.3% 0.0% 28.90 30.70 6.2% 6.2%191 6.3% 0.0% 24.60 26.10 6.1% 6.1%192 6.3% 0.0% 23.60 25.10 6.4% 6.4%193 6.3% 0.0% 24.90 26.50 6.4% 6.4%194 6.3% 0.0% 27.30 29.00 6.2% 6.2%195 6.3% 0.0% 40.10 42.60 6.2% 6.2%196 6.3% 0.0% 28.00 29.80 6.4% 6.4%197 6.3% 0.0% 30.90 32.80 6.1% 6.1%198 6.3% 0.0% 38.10 40.50 6.3% 6.3%

Exhibit XIPage 18

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change199 6.3% 0.0% 39.10 41.60 6.4% 6.4%201 6.3% 0.0% 27.30 29.00 6.2% 6.2%202 6.3% 0.0% 28.30 30.10 6.4% 6.4%203 6.3% 0.0% 26.80 28.50 6.3% 6.3%204 6.3% 0.0% 27.20 28.90 6.3% 6.3%205 6.3% 0.0% 27.00 28.70 6.3% 6.3%206 6.3% 0.0% 26.00 27.60 6.2% 6.2%207 6.3% 0.0% 24.10 25.60 6.2% 6.2%208 6.3% 0.0% 24.40 25.90 6.1% 6.1%210 6.3% 0.0% 25.10 26.70 6.4% 6.4%212 6.3% 0.0% 24.60 26.10 6.1% 6.1%213 6.3% 0.0% 32.70 34.80 6.4% 6.4%214 6.3% 0.0% 25.20 26.80 6.3% 6.3%215 6.3% 0.0% 24.50 26.00 6.1% 6.1%217 6.3% 0.0% 24.60 26.10 6.1% 6.1%218 6.3% 0.0% 26.40 28.10 6.4% 6.4%221 6.3% 0.0% 28.80 30.60 6.3% 6.3%222 6.3% 0.0% 27.80 29.60 6.5% 6.5%223 6.3% 0.0% 26.70 28.40 6.4% 6.4%224 6.3% 0.0% 24.60 26.10 6.1% 6.1%225 6.3% 0.0% 25.20 26.80 6.3% 6.3%226 6.3% 0.0% 24.80 26.40 6.5% 6.5%227 6.3% 0.0% 25.20 26.80 6.3% 6.3%228 6.3% 0.0% 26.00 27.60 6.2% 6.2%229 6.3% 0.0% 26.90 28.60 6.3% 6.3%999 6.3% 0.0% 27.20 28.90 6.3% 6.3%

Exhibit XIPage 19

© 2017 Nationwide



FPBCombined Loss Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change3 6.3% 0.0% 263.60 280.20 6.3% 6.3%

18 6.3% 0.0% 313.30 333.00 6.3% 6.3%21 6.3% 0.0% 341.10 362.60 6.3% 6.3%30 6.3% 0.0% 363.20 386.10 6.3% 6.3%33 6.3% 0.0% 355.20 377.60 6.3% 6.3%43 6.3% 0.0% 309.70 329.20 6.3% 6.3%46 6.3% 0.0% 472.20 501.90 6.3% 6.3%77 6.3% 0.0% 336.30 357.50 6.3% 6.3%78 6.3% 0.0% 330.80 351.60 6.3% 6.3%79 6.3% 0.0% 338.20 359.50 6.3% 6.3%81 6.3% 0.0% 303.50 322.60 6.3% 6.3%84 6.3% 0.0% 302.00 321.00 6.3% 6.3%88 6.3% 0.0% 350.70 372.80 6.3% 6.3%89 6.3% 0.0% 379.10 403.00 6.3% 6.3%94 6.3% 0.0% 303.50 322.60 6.3% 6.3%

100 6.3% 0.0% 306.20 325.50 6.3% 6.3%108 6.3% 0.0% 248.20 263.80 6.3% 6.3%109 6.3% 0.0% 258.10 274.40 6.3% 6.3%112 6.3% 0.0% 402.40 427.80 6.3% 6.3%113 6.3% 0.0% 474.80 504.70 6.3% 6.3%114 6.3% 0.0% 456.50 485.30 6.3% 6.3%126 6.3% 0.0% 657.40 698.80 6.3% 6.3%127 6.3% 0.0% 569.30 605.20 6.3% 6.3%132 6.3% 0.0% 291.60 310.00 6.3% 6.3%135 6.3% 0.0% 316.00 335.90 6.3% 6.3%139 6.3% 0.0% 527.30 560.50 6.3% 6.3%142 6.3% 0.0% 1,165.00 1,238.40 6.3% 6.3%143 6.3% 0.0% 1,278.50 1,359.00 6.3% 6.3%144 6.3% 0.0% 1,154.10 1,226.80 6.3% 6.3%146 6.3% 0.0% 1,241.50 1,319.70 6.3% 6.3%147 6.3% 0.0% 1,315.20 1,398.10 6.3% 6.3%148 6.3% 0.0% 1,385.80 1,473.10 6.3% 6.3%149 6.3% 0.0% 1,246.30 1,324.80 6.3% 6.3%150 6.3% 0.0% 1,138.30 1,210.00 6.3% 6.3%151 6.3% 0.0% 1,347.10 1,432.00 6.3% 6.3%152 6.3% 0.0% 1,262.20 1,341.70 6.3% 6.3%153 6.3% 0.0% 1,242.30 1,320.60 6.3% 6.3%154 6.3% 0.0% 280.40 298.10 6.3% 6.3%

Exhibit XIPage 20

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change155 6.3% 0.0% 272.90 290.10 6.3% 6.3%156 6.3% 0.0% 274.00 291.30 6.3% 6.3%157 6.3% 0.0% 264.10 280.70 6.3% 6.3%158 6.3% 0.0% 311.00 330.60 6.3% 6.3%159 6.3% 0.0% 263.70 280.30 6.3% 6.3%160 6.3% 0.0% 267.40 284.20 6.3% 6.3%161 6.3% 0.0% 272.50 289.70 6.3% 6.3%162 6.3% 0.0% 320.30 340.50 6.3% 6.3%163 6.3% 0.0% 269.50 286.50 6.3% 6.3%164 6.3% 0.0% 408.30 434.00 6.3% 6.3%165 6.3% 0.0% 408.30 434.00 6.3% 6.3%168 6.3% 0.0% 356.90 379.40 6.3% 6.3%169 6.3% 0.0% 377.50 401.30 6.3% 6.3%170 6.3% 0.0% 373.70 397.20 6.3% 6.3%173 6.3% 0.0% 235.00 249.80 6.3% 6.3%174 6.3% 0.0% 380.50 404.50 6.3% 6.3%175 6.3% 0.0% 343.10 364.70 6.3% 6.3%176 6.3% 0.0% 339.40 360.80 6.3% 6.3%177 6.3% 0.0% 348.40 370.30 6.3% 6.3%178 6.3% 0.0% 340.90 362.40 6.3% 6.3%179 6.3% 0.0% 339.30 360.70 6.3% 6.3%180 6.3% 0.0% 327.40 348.00 6.3% 6.3%181 6.3% 0.0% 521.80 554.70 6.3% 6.3%182 6.3% 0.0% 632.20 672.00 6.3% 6.3%183 6.3% 0.0% 700.30 744.40 6.3% 6.3%184 6.3% 0.0% 491.40 522.40 6.3% 6.3%185 6.3% 0.0% 454.80 483.50 6.3% 6.3%186 6.3% 0.0% 443.20 471.10 6.3% 6.3%187 6.3% 0.0% 468.20 497.70 6.3% 6.3%188 6.3% 0.0% 465.50 494.80 6.3% 6.3%191 6.3% 0.0% 324.60 345.00 6.3% 6.3%192 6.3% 0.0% 324.60 345.00 6.3% 6.3%193 6.3% 0.0% 324.60 345.00 6.3% 6.3%194 6.3% 0.0% 343.90 365.60 6.3% 6.3%195 6.3% 0.0% 719.30 764.60 6.3% 6.3%196 6.3% 0.0% 508.60 540.60 6.3% 6.3%197 6.3% 0.0% 519.60 552.30 6.3% 6.3%198 6.3% 0.0% 698.40 742.40 6.3% 6.3%

Exhibit XIPage 21

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change199 6.3% 0.0% 718.90 764.20 6.3% 6.3%201 6.3% 0.0% 501.60 533.20 6.3% 6.3%202 6.3% 0.0% 349.60 371.60 6.3% 6.3%203 6.3% 0.0% 347.80 369.70 6.3% 6.3%204 6.3% 0.0% 343.90 365.60 6.3% 6.3%205 6.3% 0.0% 343.90 365.60 6.3% 6.3%206 6.3% 0.0% 347.60 369.50 6.3% 6.3%207 6.3% 0.0% 378.40 402.20 6.3% 6.3%208 6.3% 0.0% 351.00 373.10 6.3% 6.3%210 6.3% 0.0% 317.90 337.90 6.3% 6.3%212 6.3% 0.0% 324.40 344.80 6.3% 6.3%213 6.3% 0.0% 520.20 553.00 6.3% 6.3%214 6.3% 0.0% 434.00 461.30 6.3% 6.3%215 6.3% 0.0% 327.50 348.10 6.3% 6.3%217 6.3% 0.0% 338.30 359.60 6.3% 6.3%218 6.3% 0.0% 338.70 360.00 6.3% 6.3%221 6.3% 0.0% 384.00 408.20 6.3% 6.3%222 6.3% 0.0% 374.60 398.20 6.3% 6.3%223 6.3% 0.0% 381.10 405.10 6.3% 6.3%224 6.3% 0.0% 367.00 390.10 6.3% 6.3%225 6.3% 0.0% 381.10 405.10 6.3% 6.3%226 6.3% 0.0% 373.70 397.20 6.3% 6.3%227 6.3% 0.0% 381.10 405.10 6.3% 6.3%228 6.3% 0.0% 324.20 344.60 6.3% 6.3%229 6.3% 0.0% 323.90 344.30 6.3% 6.3%999 6.3% 0.0% 363.40 386.30 6.3% 6.3%

Exhibit XIPage 22

© 2017 Nationwide



COMPComprehensive


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change3 10.3% 0.0% 105.50 116.40 10.3% 10.3%

18 10.3% 0.0% 176.60 194.80 10.3% 10.3%21 10.3% 0.0% 69.10 76.20 10.3% 10.3%30 10.3% 0.0% 93.60 103.20 10.3% 10.3%33 10.3% 0.0% 98.70 108.90 10.3% 10.3%43 10.3% 0.0% 97.50 107.50 10.3% 10.3%46 10.3% 0.0% 104.60 115.40 10.3% 10.3%77 10.3% 0.0% 112.60 124.20 10.3% 10.3%78 10.3% 0.0% 98.30 108.40 10.3% 10.3%79 10.3% 0.0% 125.70 138.60 10.3% 10.3%81 10.3% 0.0% 126.20 139.20 10.3% 10.3%84 10.3% 0.0% 78.90 87.00 10.3% 10.3%88 10.3% 0.0% 115.30 127.20 10.3% 10.3%89 10.3% 0.0% 73.40 81.00 10.4% 10.4%94 10.3% 0.0% 174.70 192.70 10.3% 10.3%

100 10.3% 0.0% 90.60 99.90 10.3% 10.3%108 10.3% 0.0% 91.30 100.70 10.3% 10.3%109 10.3% 0.0% 102.30 112.80 10.3% 10.3%112 10.3% 0.0% 177.90 196.20 10.3% 10.3%113 10.3% 0.0% 160.30 176.80 10.3% 10.3%114 10.3% 0.0% 142.10 156.70 10.3% 10.3%126 10.3% 0.0% 98.30 108.40 10.3% 10.3%127 10.3% 0.0% 80.20 88.50 10.3% 10.3%132 10.3% 0.0% 77.40 85.40 10.3% 10.3%135 10.3% 0.0% 69.50 76.70 10.4% 10.4%139 10.3% 0.0% 80.80 89.10 10.3% 10.3%142 10.3% 0.0% 175.20 193.20 10.3% 10.3%143 10.3% 0.0% 175.20 193.20 10.3% 10.3%144 10.3% 0.0% 179.80 198.30 10.3% 10.3%146 10.3% 0.0% 245.60 270.90 10.3% 10.3%147 10.3% 0.0% 195.00 215.10 10.3% 10.3%148 10.3% 0.0% 174.50 192.50 10.3% 10.3%149 10.3% 0.0% 239.80 264.50 10.3% 10.3%150 10.3% 0.0% 203.80 224.80 10.3% 10.3%151 10.3% 0.0% 217.40 239.80 10.3% 10.3%152 10.3% 0.0% 210.70 232.40 10.3% 10.3%153 10.3% 0.0% 250.30 276.10 10.3% 10.3%154 10.3% 0.0% 78.70 86.80 10.3% 10.3%

Exhibit XIPage 23

© 2017 Nationwide



COMPComprehensive


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change155 10.3% 0.0% 100.50 110.90 10.3% 10.3%156 10.3% 0.0% 125.00 137.90 10.3% 10.3%157 10.3% 0.0% 77.80 85.80 10.3% 10.3%158 10.3% 0.0% 82.40 90.90 10.3% 10.3%159 10.3% 0.0% 96.60 106.50 10.2% 10.2%160 10.3% 0.0% 121.90 134.50 10.3% 10.3%161 10.3% 0.0% 65.50 72.20 10.2% 10.2%162 10.3% 0.0% 92.10 101.60 10.3% 10.3%163 10.3% 0.0% 77.00 84.90 10.3% 10.3%164 10.3% 0.0% 144.40 159.30 10.3% 10.3%165 10.3% 0.0% 164.90 181.90 10.3% 10.3%168 10.3% 0.0% 103.50 114.20 10.3% 10.3%169 10.3% 0.0% 101.40 111.80 10.3% 10.3%170 10.3% 0.0% 102.70 113.30 10.3% 10.3%173 10.3% 0.0% 79.30 87.50 10.3% 10.3%174 10.3% 0.0% 86.60 95.50 10.3% 10.3%175 10.3% 0.0% 76.60 84.50 10.3% 10.3%176 10.3% 0.0% 86.80 95.70 10.3% 10.3%177 10.3% 0.0% 110.70 122.10 10.3% 10.3%178 10.3% 0.0% 100.90 111.30 10.3% 10.3%179 10.3% 0.0% 97.10 107.10 10.3% 10.3%180 10.3% 0.0% 93.00 102.60 10.3% 10.3%181 10.3% 0.0% 91.80 101.30 10.3% 10.3%182 10.3% 0.0% 105.20 116.00 10.3% 10.3%183 10.3% 0.0% 105.00 115.80 10.3% 10.3%184 10.3% 0.0% 101.90 112.40 10.3% 10.3%185 10.3% 0.0% 85.60 94.40 10.3% 10.3%186 10.3% 0.0% 93.20 102.80 10.3% 10.3%187 10.3% 0.0% 82.40 90.90 10.3% 10.3%188 10.3% 0.0% 87.30 96.30 10.3% 10.3%191 10.3% 0.0% 130.70 144.20 10.3% 10.3%192 10.3% 0.0% 130.70 144.20 10.3% 10.3%193 10.3% 0.0% 159.90 176.40 10.3% 10.3%194 10.3% 0.0% 157.80 174.10 10.3% 10.3%195 10.3% 0.0% 114.50 126.30 10.3% 10.3%196 10.3% 0.0% 98.00 108.10 10.3% 10.3%197 10.3% 0.0% 102.80 113.40 10.3% 10.3%198 10.3% 0.0% 115.50 127.40 10.3% 10.3%

Exhibit XIPage 24

© 2017 Nationwide



COMPComprehensive


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change199 10.3% 0.0% 135.40 149.30 10.3% 10.3%201 10.3% 0.0% 94.20 103.90 10.3% 10.3%202 10.3% 0.0% 95.00 104.80 10.3% 10.3%203 10.3% 0.0% 119.90 132.20 10.3% 10.3%204 10.3% 0.0% 129.30 142.60 10.3% 10.3%205 10.3% 0.0% 158.70 175.00 10.3% 10.3%206 10.3% 0.0% 90.90 100.30 10.3% 10.3%207 10.3% 0.0% 80.00 88.20 10.3% 10.3%208 10.3% 0.0% 84.50 93.20 10.3% 10.3%210 10.3% 0.0% 80.30 88.60 10.3% 10.3%212 10.3% 0.0% 82.20 90.70 10.3% 10.3%213 10.3% 0.0% 89.90 99.20 10.3% 10.3%214 10.3% 0.0% 83.30 91.90 10.3% 10.3%215 10.3% 0.0% 96.80 106.80 10.3% 10.3%217 10.3% 0.0% 75.40 83.20 10.3% 10.3%218 10.3% 0.0% 100.10 110.40 10.3% 10.3%221 10.3% 0.0% 129.10 142.40 10.3% 10.3%222 10.3% 0.0% 154.60 170.50 10.3% 10.3%223 10.3% 0.0% 119.70 132.00 10.3% 10.3%224 10.3% 0.0% 102.30 112.80 10.3% 10.3%225 10.3% 0.0% 119.60 131.90 10.3% 10.3%226 10.3% 0.0% 125.70 138.60 10.3% 10.3%227 10.3% 0.0% 119.60 131.90 10.3% 10.3%228 10.3% 0.0% 113.80 125.50 10.3% 10.3%229 10.3% 0.0% 159.90 176.40 10.3% 10.3%999 10.3% 0.0% 113.30 125.00 10.3% 10.3%

Exhibit XIPage 25

© 2017 Nationwide


Current and Revised Territory Base RatesEffective 12/22/17

COLLCollision


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change3 1.4% 0.0% 253.40 256.90 1.4% 1.4%

18 1.4% 0.0% 273.50 277.30 1.4% 1.4%21 1.4% 0.0% 258.60 262.20 1.4% 1.4%30 1.4% 0.0% 272.00 275.80 1.4% 1.4%33 1.4% 0.0% 260.20 263.80 1.4% 1.4%43 1.4% 0.0% 277.00 280.90 1.4% 1.4%46 1.4% 0.0% 261.50 265.20 1.4% 1.4%77 1.4% 0.0% 292.50 296.60 1.4% 1.4%78 1.4% 0.0% 260.70 264.30 1.4% 1.4%79 1.4% 0.0% 279.50 283.40 1.4% 1.4%81 1.4% 0.0% 272.50 276.30 1.4% 1.4%84 1.4% 0.0% 244.40 247.80 1.4% 1.4%88 1.4% 0.0% 267.60 271.30 1.4% 1.4%89 1.4% 0.0% 260.70 264.30 1.4% 1.4%94 1.4% 0.0% 267.50 271.20 1.4% 1.4%

100 1.4% 0.0% 294.70 298.80 1.4% 1.4%108 1.4% 0.0% 236.10 239.40 1.4% 1.4%109 1.4% 0.0% 234.80 238.10 1.4% 1.4%112 1.4% 0.0% 340.90 345.70 1.4% 1.4%113 1.4% 0.0% 312.80 317.20 1.4% 1.4%114 1.4% 0.0% 354.00 359.00 1.4% 1.4%126 1.4% 0.0% 367.90 373.10 1.4% 1.4%127 1.4% 0.0% 303.50 307.70 1.4% 1.4%132 1.4% 0.0% 300.40 304.60 1.4% 1.4%135 1.4% 0.0% 242.00 245.40 1.4% 1.4%139 1.4% 0.0% 319.70 324.20 1.4% 1.4%142 1.4% 0.0% 379.70 385.00 1.4% 1.4%143 1.4% 0.0% 407.70 413.40 1.4% 1.4%144 1.4% 0.0% 421.20 427.10 1.4% 1.4%146 1.4% 0.0% 496.10 503.00 1.4% 1.4%147 1.4% 0.0% 438.40 444.50 1.4% 1.4%148 1.4% 0.0% 368.80 374.00 1.4% 1.4%149 1.4% 0.0% 470.30 476.90 1.4% 1.4%150 1.4% 0.0% 415.90 421.70 1.4% 1.4%151 1.4% 0.0% 452.20 458.50 1.4% 1.4%152 1.4% 0.0% 422.30 428.20 1.4% 1.4%153 1.4% 0.0% 511.40 518.60 1.4% 1.4%154 1.4% 0.0% 250.60 254.10 1.4% 1.4%

Exhibit XIPage 26

© 2017 Nationwide



COLLCollision


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change155 1.4% 0.0% 284.00 288.00 1.4% 1.4%156 1.4% 0.0% 268.00 271.80 1.4% 1.4%157 1.4% 0.0% 254.30 257.90 1.4% 1.4%158 1.4% 0.0% 297.40 301.60 1.4% 1.4%159 1.4% 0.0% 243.40 246.80 1.4% 1.4%160 1.4% 0.0% 272.70 276.50 1.4% 1.4%161 1.4% 0.0% 220.80 223.90 1.4% 1.4%162 1.4% 0.0% 265.30 269.00 1.4% 1.4%163 1.4% 0.0% 239.00 242.30 1.4% 1.4%164 1.4% 0.0% 265.70 269.40 1.4% 1.4%165 1.4% 0.0% 289.40 293.50 1.4% 1.4%168 1.4% 0.0% 329.90 334.50 1.4% 1.4%169 1.4% 0.0% 329.90 334.50 1.4% 1.4%170 1.4% 0.0% 330.10 334.70 1.4% 1.4%173 1.4% 0.0% 263.60 267.30 1.4% 1.4%174 1.4% 0.0% 310.50 314.80 1.4% 1.4%175 1.4% 0.0% 273.50 277.30 1.4% 1.4%176 1.4% 0.0% 256.70 260.30 1.4% 1.4%177 1.4% 0.0% 308.20 312.50 1.4% 1.4%178 1.4% 0.0% 280.80 284.70 1.4% 1.4%179 1.4% 0.0% 289.80 293.90 1.4% 1.4%180 1.4% 0.0% 256.20 259.80 1.4% 1.4%181 1.4% 0.0% 355.70 360.70 1.4% 1.4%182 1.4% 0.0% 353.90 358.90 1.4% 1.4%183 1.4% 0.0% 334.60 339.30 1.4% 1.4%184 1.4% 0.0% 312.60 317.00 1.4% 1.4%185 1.4% 0.0% 352.50 357.40 1.4% 1.4%186 1.4% 0.0% 310.70 315.00 1.4% 1.4%187 1.4% 0.0% 290.50 294.60 1.4% 1.4%188 1.4% 0.0% 295.40 299.50 1.4% 1.4%191 1.4% 0.0% 307.50 311.80 1.4% 1.4%192 1.4% 0.0% 273.40 277.20 1.4% 1.4%193 1.4% 0.0% 298.10 302.30 1.4% 1.4%194 1.4% 0.0% 268.60 272.40 1.4% 1.4%195 1.4% 0.0% 400.00 405.60 1.4% 1.4%196 1.4% 0.0% 333.50 338.20 1.4% 1.4%197 1.4% 0.0% 345.50 350.30 1.4% 1.4%198 1.4% 0.0% 361.10 366.20 1.4% 1.4%

Exhibit XIPage 27

© 2017 Nationwide



COLLCollision


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change199 1.4% 0.0% 408.10 413.80 1.4% 1.4%201 1.4% 0.0% 340.60 345.40 1.4% 1.4%202 1.4% 0.0% 273.80 277.60 1.4% 1.4%203 1.4% 0.0% 253.10 256.60 1.4% 1.4%204 1.4% 0.0% 298.00 302.20 1.4% 1.4%205 1.4% 0.0% 249.10 252.60 1.4% 1.4%206 1.4% 0.0% 293.00 297.10 1.4% 1.4%207 1.4% 0.0% 253.80 257.40 1.4% 1.4%208 1.4% 0.0% 274.30 278.10 1.4% 1.4%210 1.4% 0.0% 268.30 272.10 1.4% 1.4%212 1.4% 0.0% 274.10 277.90 1.4% 1.4%213 1.4% 0.0% 342.80 347.60 1.4% 1.4%214 1.4% 0.0% 295.60 299.70 1.4% 1.4%215 1.4% 0.0% 265.50 269.20 1.4% 1.4%217 1.4% 0.0% 257.00 260.60 1.4% 1.4%218 1.4% 0.0% 292.50 296.60 1.4% 1.4%221 1.4% 0.0% 260.90 264.60 1.4% 1.4%222 1.4% 0.0% 316.90 321.30 1.4% 1.4%223 1.4% 0.0% 280.00 283.90 1.4% 1.4%224 1.4% 0.0% 273.90 277.70 1.4% 1.4%225 1.4% 0.0% 280.00 283.90 1.4% 1.4%226 1.4% 0.0% 263.50 267.20 1.4% 1.4%227 1.4% 0.0% 280.00 283.90 1.4% 1.4%228 1.4% 0.0% 259.50 263.10 1.4% 1.4%229 1.4% 0.0% 265.10 268.80 1.4% 1.4%999 1.4% 0.0% 291.40 295.50 1.4% 1.4%

Exhibit XIIPage 1

© 2017 Nationwide




Current Rates - Stacked Proposed Rates - Stacked Base Rate Change - Stacked

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

15/30 82.90 29.80 20.30 11.30 14.50 9.70 7.10 15/30 86.10 30.90 21.10 11.70 15.10 10.10 7.40 15/30 3.9% 3.7% 3.9% 3.5% 4.1% 4.1% 4.2%20/30* 95.40 34.50 23.40 12.80 16.50 11.20 8.30 20/30* 99.00 35.80 24.30 13.30 17.10 11.60 8.60 20/30* 3.8% 3.8% 3.8% 3.9% 3.6% 3.6% 3.6%20/40* 95.40 34.50 23.40 12.80 16.50 11.20 8.30 20/40* 99.00 35.80 24.30 13.30 17.10 11.60 8.60 20/40* 3.8% 3.8% 3.8% 3.9% 3.6% 3.6% 3.6%25/50 95.40 34.50 23.40 12.80 16.50 11.20 8.30 25/50 99.00 35.80 24.30 13.30 17.10 11.60 8.60 25/50 3.8% 3.8% 3.8% 3.9% 3.6% 3.6% 3.6%30/60* 111.50 40.30 27.50 15.20 19.20 12.90 9.70 30/60* 115.70 41.80 28.50 15.80 19.90 13.40 10.10 30/60* 3.8% 3.7% 3.6% 3.9% 3.6% 3.9% 4.1%40/80* 111.50 40.30 27.50 15.20 19.20 12.90 9.70 40/80* 115.70 41.80 28.50 15.80 19.90 13.40 10.10 40/80* 3.8% 3.7% 3.6% 3.9% 3.6% 3.9% 4.1%25/100* 111.50 40.30 27.50 15.20 19.20 12.90 9.70 25/100* 115.70 41.80 28.50 15.80 19.90 13.40 10.10 25/100* 3.8% 3.7% 3.6% 3.9% 3.6% 3.9% 4.1%50/100 111.50 40.30 27.50 15.20 19.20 12.90 9.70 50/100 115.70 41.80 28.50 15.80 19.90 13.40 10.10 50/100 3.8% 3.7% 3.6% 3.9% 3.6% 3.9% 4.1%

100/100* 130.90 47.20 32.00 18.00 22.60 15.40 11.20 100/100* 135.90 49.00 33.20 18.70 23.50 16.00 11.60 100/100* 3.8% 3.8% 3.8% 3.9% 4.0% 3.9% 3.6%100/150* 130.90 47.20 32.00 18.00 22.60 15.40 11.20 100/150* 135.90 49.00 33.20 18.70 23.50 16.00 11.60 100/150* 3.8% 3.8% 3.8% 3.9% 4.0% 3.9% 3.6%50/200* 130.90 47.20 32.00 18.00 22.60 15.40 11.20 50/200* 135.90 49.00 33.20 18.70 23.50 16.00 11.60 50/200* 3.8% 3.8% 3.8% 3.9% 4.0% 3.9% 3.6%

100/200* 130.90 47.20 32.00 18.00 22.60 15.40 11.20 100/200* 135.90 49.00 33.20 18.70 23.50 16.00 11.60 100/200* 3.8% 3.8% 3.8% 3.9% 4.0% 3.9% 3.6%100/250* 130.90 47.20 32.00 18.00 22.60 15.40 11.20 100/250* 135.90 49.00 33.20 18.70 23.50 16.00 11.60 100/250* 3.8% 3.8% 3.8% 3.9% 4.0% 3.9% 3.6%100/300 130.90 47.20 32.00 18.00 22.60 15.40 11.20 100/300 135.90 49.00 33.20 18.70 23.50 16.00 11.60 100/300 3.8% 3.8% 3.8% 3.9% 4.0% 3.9% 3.6%150/200* 139.40 50.20 34.10 18.70 24.10 16.40 12.00 150/200* 144.70 52.10 35.40 19.40 25.00 17.00 12.50 150/200* 3.8% 3.8% 3.8% 3.7% 3.7% 3.7% 4.2%200/200* 139.40 50.20 34.10 18.70 24.10 16.40 12.00 200/200* 144.70 52.10 35.40 19.40 25.00 17.00 12.50 200/200* 3.8% 3.8% 3.8% 3.7% 3.7% 3.7% 4.2%150/250* 139.40 50.20 34.10 18.70 24.10 16.40 12.00 150/250* 144.70 52.10 35.40 19.40 25.00 17.00 12.50 150/250* 3.8% 3.8% 3.8% 3.7% 3.7% 3.7% 4.2%200/250* 139.40 50.20 34.10 18.70 24.10 16.40 12.00 200/250* 144.70 52.10 35.40 19.40 25.00 17.00 12.50 200/250* 3.8% 3.8% 3.8% 3.7% 3.7% 3.7% 4.2%250/250* 139.40 50.20 34.10 18.70 24.10 16.40 12.00 250/250* 144.70 52.10 35.40 19.40 25.00 17.00 12.50 250/250* 3.8% 3.8% 3.8% 3.7% 3.7% 3.7% 4.2%150/300* 139.40 50.20 34.10 18.70 24.10 16.40 12.00 150/300* 144.70 52.10 35.40 19.40 25.00 17.00 12.50 150/300* 3.8% 3.8% 3.8% 3.7% 3.7% 3.7% 4.2%200/300* 139.40 50.20 34.10 18.70 24.10 16.40 12.00 200/300* 144.70 52.10 35.40 19.40 25.00 17.00 12.50 200/300* 3.8% 3.8% 3.8% 3.7% 3.7% 3.7% 4.2%250/300* 139.40 50.20 34.10 18.70 24.10 16.40 12.00 250/300* 144.70 52.10 35.40 19.40 25.00 17.00 12.50 250/300* 3.8% 3.8% 3.8% 3.7% 3.7% 3.7% 4.2%300/300 139.40 50.20 34.10 18.70 24.10 16.40 12.00 300/300 144.70 52.10 35.40 19.40 25.00 17.00 12.50 300/300 3.8% 3.8% 3.8% 3.7% 3.7% 3.7% 4.2%100/400* 144.10 52.00 35.30 19.70 24.90 16.80 12.40 100/400* 149.60 54.00 36.60 20.40 25.80 17.40 12.90 100/400* 3.8% 3.8% 3.7% 3.6% 3.6% 3.6% 4.0%150/400* 144.10 52.00 35.30 19.70 24.90 16.80 12.40 150/400* 149.60 54.00 36.60 20.40 25.80 17.40 12.90 150/400* 3.8% 3.8% 3.7% 3.6% 3.6% 3.6% 4.0%200/400* 144.10 52.00 35.30 19.70 24.90 16.80 12.40 200/400* 149.60 54.00 36.60 20.40 25.80 17.40 12.90 200/400* 3.8% 3.8% 3.7% 3.6% 3.6% 3.6% 4.0%250/400* 144.10 52.00 35.30 19.70 24.90 16.80 12.40 250/400* 149.60 54.00 36.60 20.40 25.80 17.40 12.90 250/400* 3.8% 3.8% 3.7% 3.6% 3.6% 3.6% 4.0%100/500* 144.10 52.00 35.30 19.70 24.90 16.80 12.40 100/500* 149.60 54.00 36.60 20.40 25.80 17.40 12.90 100/500* 3.8% 3.8% 3.7% 3.6% 3.6% 3.6% 4.0%150/500* 144.10 52.00 35.30 19.70 24.90 16.80 12.40 150/500* 149.60 54.00 36.60 20.40 25.80 17.40 12.90 150/500* 3.8% 3.8% 3.7% 3.6% 3.6% 3.6% 4.0%200/500* 144.10 52.00 35.30 19.70 24.90 16.80 12.40 200/500* 149.60 54.00 36.60 20.40 25.80 17.40 12.90 200/500* 3.8% 3.8% 3.7% 3.6% 3.6% 3.6% 4.0%250/500 144.10 52.00 35.30 19.70 24.90 16.80 12.40 250/500 149.60 54.00 36.60 20.40 25.80 17.40 12.90 250/500 3.8% 3.8% 3.7% 3.6% 3.6% 3.6% 4.0%300/400* 145.20 52.40 35.50 20.00 25.00 17.00 12.50 300/400* 150.70 54.40 36.80 20.80 26.00 17.60 13.00 300/400* 3.8% 3.8% 3.7% 4.0% 4.0% 3.5% 4.0%300/500* 145.20 52.40 35.50 20.00 25.00 17.00 12.50 300/500* 150.70 54.40 36.80 20.80 26.00 17.60 13.00 300/500* 3.8% 3.8% 3.7% 4.0% 4.0% 3.5% 4.0%400/400* 149.20 53.70 36.40 20.40 25.90 17.40 12.90 400/400* 154.90 55.70 37.80 21.20 26.90 18.10 13.40 400/400* 3.8% 3.7% 3.8% 3.9% 3.9% 4.0% 3.9%400/500* 149.20 53.70 36.40 20.40 25.90 17.40 12.90 400/500* 154.90 55.70 37.80 21.20 26.90 18.10 13.40 400/500* 3.8% 3.7% 3.8% 3.9% 3.9% 4.0% 3.9%500/500 149.20 53.70 36.40 20.40 25.90 17.40 12.90 500/500 154.90 55.70 37.80 21.20 26.90 18.10 13.40 500/500 3.8% 3.7% 3.8% 3.9% 3.9% 4.0% 3.9%200/750* 156.40 56.20 38.40 21.40 27.10 18.40 13.40 200/750* 162.30 58.30 39.90 22.20 28.10 19.10 13.90 200/750* 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%250/750* 156.40 56.20 38.40 21.40 27.10 18.40 13.40 250/750* 162.30 58.30 39.90 22.20 28.10 19.10 13.90 250/750* 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%300/750* 156.40 56.20 38.40 21.40 27.10 18.40 13.40 300/750* 162.30 58.30 39.90 22.20 28.10 19.10 13.90 300/750* 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%400/750* 156.40 56.20 38.40 21.40 27.10 18.40 13.40 400/750* 162.30 58.30 39.90 22.20 28.10 19.10 13.90 400/750* 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%500/750* 156.40 56.20 38.40 21.40 27.10 18.40 13.40 500/750* 162.30 58.30 39.90 22.20 28.10 19.10 13.90 500/750* 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%250/1000* 156.40 56.20 38.40 21.40 27.10 18.40 13.40 250/1000* 162.30 58.30 39.90 22.20 28.10 19.10 13.90 250/1000* 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%300/1000* 156.40 56.20 38.40 21.40 27.10 18.40 13.40 300/1000* 162.30 58.30 39.90 22.20 28.10 19.10 13.90 300/1000* 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%400/1000* 156.40 56.20 38.40 21.40 27.10 18.40 13.40 400/1000* 162.30 58.30 39.90 22.20 28.10 19.10 13.90 400/1000* 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%500/1000* 156.40 56.20 38.40 21.40 27.10 18.40 13.40 500/1000* 162.30 58.30 39.90 22.20 28.10 19.10 13.90 500/1000* 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%1000/1000 156.40 56.20 38.40 21.40 27.10 18.40 13.40 1000/1000 162.30 58.30 39.90 22.20 28.10 19.10 13.90 1000/1000 3.8% 3.7% 3.9% 3.7% 3.7% 3.8% 3.7%

Exhibit XIIPage 2

© 2017 Nationwide




Current Rates - Unstacked Proposed Rates - Unstacked Base Rate Change- Unstacked

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

15/30 60.80 21.80 14.90 8.50 10.50 7.10 5.20 15/30 63.10 22.60 15.50 8.80 10.90 7.40 5.40 15/30 3.8% 3.7% 4.0% 3.5% 3.8% 4.2% 3.8%20/30* 71.70 25.80 17.60 9.80 12.40 8.30 6.20 20/30* 74.40 26.80 18.30 10.20 12.90 8.60 6.40 20/30* 3.8% 3.9% 4.0% 4.1% 4.0% 3.6% 3.2%20/40* 71.70 25.80 17.60 9.80 12.40 8.30 6.20 20/40* 74.40 26.80 18.30 10.20 12.90 8.60 6.40 20/40* 3.8% 3.9% 4.0% 4.1% 4.0% 3.6% 3.2%25/50 71.70 25.80 17.60 9.80 12.40 8.30 6.20 25/50 74.40 26.80 18.30 10.20 12.90 8.60 6.40 25/50 3.8% 3.9% 4.0% 4.1% 4.0% 3.6% 3.2%30/60* 85.90 31.00 21.20 11.50 14.90 9.90 7.30 30/60* 89.20 32.20 22.00 11.90 15.50 10.30 7.60 30/60* 3.8% 3.9% 3.8% 3.5% 4.0% 4.0% 4.1%40/80* 85.90 31.00 21.20 11.50 14.90 9.90 7.30 40/80* 89.20 32.20 22.00 11.90 15.50 10.30 7.60 40/80* 3.8% 3.9% 3.8% 3.5% 4.0% 4.0% 4.1%25/100* 85.90 31.00 21.20 11.50 14.90 9.90 7.30 25/100* 89.20 32.20 22.00 11.90 15.50 10.30 7.60 25/100* 3.8% 3.9% 3.8% 3.5% 4.0% 4.0% 4.1%50/100 85.90 31.00 21.20 11.50 14.90 9.90 7.30 50/100 89.20 32.20 22.00 11.90 15.50 10.30 7.60 50/100 3.8% 3.9% 3.8% 3.5% 4.0% 4.0% 4.1%

100/100* 104.20 37.60 25.70 14.30 18.00 12.20 9.10 100/100* 108.20 39.00 26.70 14.80 18.70 12.70 9.40 100/100* 3.8% 3.7% 3.9% 3.5% 3.9% 4.1% 3.3%100/150* 104.20 37.60 25.70 14.30 18.00 12.20 9.10 100/150* 108.20 39.00 26.70 14.80 18.70 12.70 9.40 100/150* 3.8% 3.7% 3.9% 3.5% 3.9% 4.1% 3.3%50/200* 104.20 37.60 25.70 14.30 18.00 12.20 9.10 50/200* 108.20 39.00 26.70 14.80 18.70 12.70 9.40 50/200* 3.8% 3.7% 3.9% 3.5% 3.9% 4.1% 3.3%

100/200* 104.20 37.60 25.70 14.30 18.00 12.20 9.10 100/200* 108.20 39.00 26.70 14.80 18.70 12.70 9.40 100/200* 3.8% 3.7% 3.9% 3.5% 3.9% 4.1% 3.3%100/250* 104.20 37.60 25.70 14.30 18.00 12.20 9.10 100/250* 108.20 39.00 26.70 14.80 18.70 12.70 9.40 100/250* 3.8% 3.7% 3.9% 3.5% 3.9% 4.1% 3.3%100/300 104.20 37.60 25.70 14.30 18.00 12.20 9.10 100/300 108.20 39.00 26.70 14.80 18.70 12.70 9.40 100/300 3.8% 3.7% 3.9% 3.5% 3.9% 4.1% 3.3%150/200* 111.20 40.00 27.50 14.80 19.20 12.90 9.50 150/200* 115.40 41.50 28.50 15.40 19.90 13.40 9.90 150/200* 3.8% 3.8% 3.6% 4.1% 3.6% 3.9% 4.2%200/200* 111.20 40.00 27.50 14.80 19.20 12.90 9.50 200/200* 115.40 41.50 28.50 15.40 19.90 13.40 9.90 200/200* 3.8% 3.8% 3.6% 4.1% 3.6% 3.9% 4.2%150/250* 111.20 40.00 27.50 14.80 19.20 12.90 9.50 150/250* 115.40 41.50 28.50 15.40 19.90 13.40 9.90 150/250* 3.8% 3.8% 3.6% 4.1% 3.6% 3.9% 4.2%200/250* 111.20 40.00 27.50 14.80 19.20 12.90 9.50 200/250* 115.40 41.50 28.50 15.40 19.90 13.40 9.90 200/250* 3.8% 3.8% 3.6% 4.1% 3.6% 3.9% 4.2%250/250* 111.20 40.00 27.50 14.80 19.20 12.90 9.50 250/250* 115.40 41.50 28.50 15.40 19.90 13.40 9.90 250/250* 3.8% 3.8% 3.6% 4.1% 3.6% 3.9% 4.2%150/300* 111.20 40.00 27.50 14.80 19.20 12.90 9.50 150/300* 115.40 41.50 28.50 15.40 19.90 13.40 9.90 150/300* 3.8% 3.8% 3.6% 4.1% 3.6% 3.9% 4.2%200/300* 111.20 40.00 27.50 14.80 19.20 12.90 9.50 200/300* 115.40 41.50 28.50 15.40 19.90 13.40 9.90 200/300* 3.8% 3.8% 3.6% 4.1% 3.6% 3.9% 4.2%250/300* 111.20 40.00 27.50 14.80 19.20 12.90 9.50 250/300* 115.40 41.50 28.50 15.40 19.90 13.40 9.90 250/300* 3.8% 3.8% 3.6% 4.1% 3.6% 3.9% 4.2%300/300 111.20 40.00 27.50 14.80 19.20 12.90 9.50 300/300 115.40 41.50 28.50 15.40 19.90 13.40 9.90 300/300 3.8% 3.8% 3.6% 4.1% 3.6% 3.9% 4.2%100/400* 115.00 41.30 28.30 15.80 19.80 13.40 9.80 100/400* 119.40 42.90 29.40 16.40 20.60 13.90 10.20 100/400* 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.1%150/400* 115.00 41.30 28.30 15.80 19.80 13.40 9.80 150/400* 119.40 42.90 29.40 16.40 20.60 13.90 10.20 150/400* 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.1%200/400* 115.00 41.30 28.30 15.80 19.80 13.40 9.80 200/400* 119.40 42.90 29.40 16.40 20.60 13.90 10.20 200/400* 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.1%250/400* 115.00 41.30 28.30 15.80 19.80 13.40 9.80 250/400* 119.40 42.90 29.40 16.40 20.60 13.90 10.20 250/400* 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.1%100/500* 115.00 41.30 28.30 15.80 19.80 13.40 9.80 100/500* 119.40 42.90 29.40 16.40 20.60 13.90 10.20 100/500* 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.1%150/500* 115.00 41.30 28.30 15.80 19.80 13.40 9.80 150/500* 119.40 42.90 29.40 16.40 20.60 13.90 10.20 150/500* 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.1%200/500* 115.00 41.30 28.30 15.80 19.80 13.40 9.80 200/500* 119.40 42.90 29.40 16.40 20.60 13.90 10.20 200/500* 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.1%250/500 115.00 41.30 28.30 15.80 19.80 13.40 9.80 250/500 119.40 42.90 29.40 16.40 20.60 13.90 10.20 250/500 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.1%300/400* 115.90 41.50 28.50 15.90 20.10 13.50 9.90 300/400* 120.30 43.10 29.60 16.50 20.90 14.00 10.30 300/400* 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.0%300/500* 115.90 41.50 28.50 15.90 20.10 13.50 9.90 300/500* 120.30 43.10 29.60 16.50 20.90 14.00 10.30 300/500* 3.8% 3.9% 3.9% 3.8% 4.0% 3.7% 4.0%400/400* 119.10 42.90 29.20 16.20 20.70 13.80 10.30 400/400* 123.60 44.50 30.30 16.80 21.50 14.30 10.70 400/400* 3.8% 3.7% 3.8% 3.7% 3.9% 3.6% 3.9%400/500* 119.10 42.90 29.20 16.20 20.70 13.80 10.30 400/500* 123.60 44.50 30.30 16.80 21.50 14.30 10.70 400/500* 3.8% 3.7% 3.8% 3.7% 3.9% 3.6% 3.9%500/500 119.10 42.90 29.20 16.20 20.70 13.80 10.30 500/500 123.60 44.50 30.30 16.80 21.50 14.30 10.70 500/500 3.8% 3.7% 3.8% 3.7% 3.9% 3.6% 3.9%200/750* 124.80 44.80 30.80 17.00 21.50 14.90 10.90 200/750* 129.50 46.50 32.00 17.60 22.30 15.50 11.30 200/750* 3.8% 3.8% 3.9% 3.5% 3.7% 4.0% 3.7%250/750* 124.80 44.80 30.80 17.00 21.50 14.90 10.90 250/750* 129.50 46.50 32.00 17.60 22.30 15.50 11.30 250/750* 3.8% 3.8% 3.9% 3.5% 3.7% 4.0% 3.7%300/750* 124.80 44.80 30.80 17.00 21.50 14.90 10.90 300/750* 129.50 46.50 32.00 17.60 22.30 15.50 11.30 300/750* 3.8% 3.8% 3.9% 3.5% 3.7% 4.0% 3.7%400/750* 124.80 44.80 30.80 17.00 21.50 14.90 10.90 400/750* 129.50 46.50 32.00 17.60 22.30 15.50 11.30 400/750* 3.8% 3.8% 3.9% 3.5% 3.7% 4.0% 3.7%500/750* 124.80 44.80 30.80 17.00 21.50 14.90 10.90 500/750* 129.50 46.50 32.00 17.60 22.30 15.50 11.30 500/750* 3.8% 3.8% 3.9% 3.5% 3.7% 4.0% 3.7%250/1000* 124.80 44.80 30.80 17.00 21.50 14.90 10.90 250/1000* 129.50 46.50 32.00 17.60 22.30 15.50 11.30 250/1000* 3.8% 3.8% 3.9% 3.5% 3.7% 4.0% 3.7%300/1000* 124.80 44.80 30.80 17.00 21.50 14.90 10.90 300/1000* 129.50 46.50 32.00 17.60 22.30 15.50 11.30 300/1000* 3.8% 3.8% 3.9% 3.5% 3.7% 4.0% 3.7%400/1000* 124.80 44.80 30.80 17.00 21.50 14.90 10.90 400/1000* 129.50 46.50 32.00 17.60 22.30 15.50 11.30 400/1000* 3.8% 3.8% 3.9% 3.5% 3.7% 4.0% 3.7%500/1000* 124.80 44.80 30.80 17.00 21.50 14.90 10.90 500/1000* 129.50 46.50 32.00 17.60 22.30 15.50 11.30 500/1000* 3.8% 3.8% 3.9% 3.5% 3.7% 4.0% 3.7%1000/1000 128.80 46.40 31.80 17.40 22.40 15.10 11.10 1000/1000 133.70 48.20 33.00 18.10 23.30 15.70 11.50 1000/1000 3.8% 3.9% 3.8% 4.0% 4.0% 4.0% 3.6%* Available only to policies that had selected them prior to 12/22/2014 * Available only to policies that had selected them prior to 12/22/2014

Exhibit XIIPage 3

© 2017 Nationwide




Current Rates - Stacked Proposed Rates - Stacked Base Rate Change - Stacked

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

15/30 92.90 57.40 44.30 39.00 30.40 24.60 23.20 15/30 96.60 59.70 46.10 40.60 31.60 25.60 24.10 15/30 4.0% 4.0% 4.1% 4.1% 3.9% 4.1% 3.9%20/30* 130.00 80.30 62.00 56.90 42.60 34.60 32.30 20/30* 135.20 83.50 64.50 59.20 44.30 36.00 33.60 20/30* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%20/40* 130.00 80.30 62.00 56.90 42.60 34.60 32.30 20/40* 135.20 83.50 64.50 59.20 44.30 36.00 33.60 20/40* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%25/50 130.00 80.30 62.00 56.90 42.60 34.60 32.30 25/50 135.20 83.50 64.50 59.20 44.30 36.00 33.60 25/50 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

30/60* 191.40 118.00 91.30 89.20 62.60 53.20 47.60 30/60* 199.10 122.70 95.00 92.80 65.10 55.30 49.50 30/60* 4.0% 4.0% 4.1% 4.0% 4.0% 3.9% 4.0%40/80* 191.40 118.00 91.30 89.20 62.60 53.20 47.60 40/80* 199.10 122.70 95.00 92.80 65.10 55.30 49.50 40/80* 4.0% 4.0% 4.1% 4.0% 4.0% 3.9% 4.0%

25/100* 191.40 118.00 91.30 89.20 62.60 53.20 47.60 25/100* 199.10 122.70 95.00 92.80 65.10 55.30 49.50 25/100* 4.0% 4.0% 4.1% 4.0% 4.0% 3.9% 4.0%50/100 191.40 118.00 91.30 89.20 62.60 53.20 47.60 50/100 199.10 122.70 95.00 92.80 65.10 55.30 49.50 50/100 4.0% 4.0% 4.1% 4.0% 4.0% 3.9% 4.0%

100/100* 298.80 184.50 142.30 151.80 98.00 86.90 74.40 100/100* 310.80 191.90 148.00 157.90 101.90 90.40 77.40 100/100* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%100/150* 298.80 184.50 142.30 151.80 98.00 86.90 74.40 100/150* 310.80 191.90 148.00 157.90 101.90 90.40 77.40 100/150* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%50/200* 298.80 184.50 142.30 151.80 98.00 86.90 74.40 50/200* 310.80 191.90 148.00 157.90 101.90 90.40 77.40 50/200* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

100/200* 298.80 184.50 142.30 151.80 98.00 86.90 74.40 100/200* 310.80 191.90 148.00 157.90 101.90 90.40 77.40 100/200* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%100/250* 298.80 184.50 142.30 151.80 98.00 86.90 74.40 100/250* 310.80 191.90 148.00 157.90 101.90 90.40 77.40 100/250* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%100/300 298.80 184.50 142.30 151.80 98.00 86.90 74.40 100/300 310.80 191.90 148.00 157.90 101.90 90.40 77.40 100/300 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

150/200* 350.60 216.50 167.20 184.90 114.90 104.30 87.30 150/200* 364.60 225.20 173.90 192.30 119.50 108.50 90.80 150/200* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%200/200* 350.60 216.50 167.20 184.90 114.90 104.30 87.30 200/200* 364.60 225.20 173.90 192.30 119.50 108.50 90.80 200/200* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%150/250* 350.60 216.50 167.20 184.90 114.90 104.30 87.30 150/250* 364.60 225.20 173.90 192.30 119.50 108.50 90.80 150/250* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%200/250* 350.60 216.50 167.20 184.90 114.90 104.30 87.30 200/250* 364.60 225.20 173.90 192.30 119.50 108.50 90.80 200/250* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%250/250* 350.60 216.50 167.20 184.90 114.90 104.30 87.30 250/250* 364.60 225.20 173.90 192.30 119.50 108.50 90.80 250/250* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%150/300* 350.60 216.50 167.20 184.90 114.90 104.30 87.30 150/300* 364.60 225.20 173.90 192.30 119.50 108.50 90.80 150/300* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%200/300* 350.60 216.50 167.20 184.90 114.90 104.30 87.30 200/300* 364.60 225.20 173.90 192.30 119.50 108.50 90.80 200/300* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%250/300* 350.60 216.50 167.20 184.90 114.90 104.30 87.30 250/300* 364.60 225.20 173.90 192.30 119.50 108.50 90.80 250/300* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%300/300 350.60 216.50 167.20 184.90 114.90 104.30 87.30 300/300 364.60 225.20 173.90 192.30 119.50 108.50 90.80 300/300 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

100/400* 378.90 234.00 180.70 205.10 124.30 113.80 94.40 100/400* 394.10 243.40 187.90 213.30 129.30 118.40 98.20 100/400* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%150/400* 378.90 234.00 180.70 205.10 124.30 113.80 94.40 150/400* 394.10 243.40 187.90 213.30 129.30 118.40 98.20 150/400* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%200/400* 378.90 234.00 180.70 205.10 124.30 113.80 94.40 200/400* 394.10 243.40 187.90 213.30 129.30 118.40 98.20 200/400* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%250/400* 378.90 234.00 180.70 205.10 124.30 113.80 94.40 250/400* 394.10 243.40 187.90 213.30 129.30 118.40 98.20 250/400* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%100/500* 378.90 234.00 180.70 205.10 124.30 113.80 94.40 100/500* 394.10 243.40 187.90 213.30 129.30 118.40 98.20 100/500* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%150/500* 378.90 234.00 180.70 205.10 124.30 113.80 94.40 150/500* 394.10 243.40 187.90 213.30 129.30 118.40 98.20 150/500* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%200/500* 378.90 234.00 180.70 205.10 124.30 113.80 94.40 200/500* 394.10 243.40 187.90 213.30 129.30 118.40 98.20 200/500* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%250/500 378.90 234.00 180.70 205.10 124.30 113.80 94.40 250/500 394.10 243.40 187.90 213.30 129.30 118.40 98.20 250/500 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

300/400* 387.70 239.60 184.90 210.20 127.10 116.60 96.50 300/400* 403.20 249.20 192.30 218.60 132.20 121.30 100.40 300/400* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%300/500* 387.70 239.60 184.90 210.20 127.10 116.60 96.50 300/500* 403.20 249.20 192.30 218.60 132.20 121.30 100.40 300/500* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%400/400* 416.00 257.10 198.50 230.30 136.50 126.20 103.60 400/400* 432.60 267.40 206.40 239.50 142.00 131.20 107.70 400/400* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%400/500* 416.00 257.10 198.50 230.30 136.50 126.20 103.60 400/500* 432.60 267.40 206.40 239.50 142.00 131.20 107.70 400/500* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%500/500 416.00 257.10 198.50 230.30 136.50 126.20 103.60 500/500 432.60 267.40 206.40 239.50 142.00 131.20 107.70 500/500 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

200/750* 466.50 288.20 222.30 265.10 152.90 143.70 115.80 200/750* 485.20 299.70 231.20 275.70 159.00 149.40 120.40 200/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%250/750* 466.50 288.20 222.30 265.10 152.90 143.70 115.80 250/750* 485.20 299.70 231.20 275.70 159.00 149.40 120.40 250/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%300/750* 466.50 288.20 222.30 265.10 152.90 143.70 115.80 300/750* 485.20 299.70 231.20 275.70 159.00 149.40 120.40 300/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%400/750* 466.50 288.20 222.30 265.10 152.90 143.70 115.80 400/750* 485.20 299.70 231.20 275.70 159.00 149.40 120.40 400/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%500/750* 466.50 288.20 222.30 265.10 152.90 143.70 115.80 500/750* 485.20 299.70 231.20 275.70 159.00 149.40 120.40 500/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

250/1000* 466.50 288.20 222.30 265.10 152.90 143.70 115.80 250/1000* 485.20 299.70 231.20 275.70 159.00 149.40 120.40 250/1000* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%300/1000* 466.50 288.20 222.30 265.10 152.90 143.70 115.80 300/1000* 485.20 299.70 231.20 275.70 159.00 149.40 120.40 300/1000* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%400/1000* 466.50 288.20 222.30 265.10 152.90 143.70 115.80 400/1000* 485.20 299.70 231.20 275.70 159.00 149.40 120.40 400/1000* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%500/1000* 466.50 288.20 222.30 265.10 152.90 143.70 115.80 500/1000* 485.20 299.70 231.20 275.70 159.00 149.40 120.40 500/1000* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%1000/1000 466.50 288.20 222.30 265.10 152.90 143.70 115.80 1000/1000 485.20 299.70 231.20 275.70 159.00 149.40 120.40 1000/1000 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

Exhibit XIIPage 4

© 2017 Nationwide




Current Rates - Unstacked Proposed Rates - Unstacked Base Rate Change- Unstacked

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

Territory / Limit

142-144, 146-153

126,181-184,195, 198,199,

213139,196, 197, 201

21,33,88,89,112,

113,114

127,168, 169,170, 185,186, 187,188,

214175,177, 178,179 ROS

15/30 52.40 32.40 24.90 22.10 17.10 13.80 13.00 15/30 54.50 33.70 25.90 23.00 17.80 14.40 13.50 15/30 4.0% 4.0% 4.0% 4.1% 4.1% 4.3% 3.8%20/30* 76.80 47.30 36.50 33.50 25.00 20.40 19.10 20/30* 79.90 49.20 38.00 34.80 26.00 21.20 19.90 20/30* 4.0% 4.0% 4.1% 3.9% 4.0% 3.9% 4.2%20/40* 76.80 47.30 36.50 33.50 25.00 20.40 19.10 20/40* 79.90 49.20 38.00 34.80 26.00 21.20 19.90 20/40* 4.0% 4.0% 4.1% 3.9% 4.0% 3.9% 4.2%25/50 76.80 47.30 36.50 33.50 25.00 20.40 19.10 25/50 79.90 49.20 38.00 34.80 26.00 21.20 19.90 25/50 4.0% 4.0% 4.1% 3.9% 4.0% 3.9% 4.2%

30/60* 119.20 73.50 56.70 55.90 39.20 33.10 29.50 30/60* 124.00 76.40 59.00 58.10 40.80 34.40 30.70 30/60* 4.0% 3.9% 4.1% 3.9% 4.1% 3.9% 4.1%40/80* 119.20 73.50 56.70 55.90 39.20 33.10 29.50 40/80* 124.00 76.40 59.00 58.10 40.80 34.40 30.70 40/80* 4.0% 3.9% 4.1% 3.9% 4.1% 3.9% 4.1%

25/100* 119.20 73.50 56.70 55.90 39.20 33.10 29.50 25/100* 124.00 76.40 59.00 58.10 40.80 34.40 30.70 25/100* 4.0% 3.9% 4.1% 3.9% 4.1% 3.9% 4.1%50/100 119.20 73.50 56.70 55.90 39.20 33.10 29.50 50/100 124.00 76.40 59.00 58.10 40.80 34.40 30.70 50/100 4.0% 3.9% 4.1% 3.9% 4.1% 3.9% 4.1%

100/100* 194.40 119.80 92.50 98.70 63.80 56.40 48.20 100/100* 202.20 124.60 96.20 102.60 66.40 58.70 50.10 100/100* 4.0% 4.0% 4.0% 4.0% 4.1% 4.1% 3.9%100/150* 194.40 119.80 92.50 98.70 63.80 56.40 48.20 100/150* 202.20 124.60 96.20 102.60 66.40 58.70 50.10 100/150* 4.0% 4.0% 4.0% 4.0% 4.1% 4.1% 3.9%50/200* 194.40 119.80 92.50 98.70 63.80 56.40 48.20 50/200* 202.20 124.60 96.20 102.60 66.40 58.70 50.10 50/200* 4.0% 4.0% 4.0% 4.0% 4.1% 4.1% 3.9%

100/200* 194.40 119.80 92.50 98.70 63.80 56.40 48.20 100/200* 202.20 124.60 96.20 102.60 66.40 58.70 50.10 100/200* 4.0% 4.0% 4.0% 4.0% 4.1% 4.1% 3.9%100/250* 194.40 119.80 92.50 98.70 63.80 56.40 48.20 100/250* 202.20 124.60 96.20 102.60 66.40 58.70 50.10 100/250* 4.0% 4.0% 4.0% 4.0% 4.1% 4.1% 3.9%100/300 194.40 119.80 92.50 98.70 63.80 56.40 48.20 100/300 202.20 124.60 96.20 102.60 66.40 58.70 50.10 100/300 4.0% 4.0% 4.0% 4.0% 4.1% 4.1% 3.9%

150/200* 227.70 140.40 108.70 120.20 75.00 67.60 56.50 150/200* 236.80 146.00 113.00 125.00 78.00 70.30 58.80 150/200* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.1%200/200* 227.70 140.40 108.70 120.20 75.00 67.60 56.50 200/200* 236.80 146.00 113.00 125.00 78.00 70.30 58.80 200/200* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.1%150/250* 227.70 140.40 108.70 120.20 75.00 67.60 56.50 150/250* 236.80 146.00 113.00 125.00 78.00 70.30 58.80 150/250* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.1%200/250* 227.70 140.40 108.70 120.20 75.00 67.60 56.50 200/250* 236.80 146.00 113.00 125.00 78.00 70.30 58.80 200/250* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.1%250/250* 227.70 140.40 108.70 120.20 75.00 67.60 56.50 250/250* 236.80 146.00 113.00 125.00 78.00 70.30 58.80 250/250* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.1%150/300* 227.70 140.40 108.70 120.20 75.00 67.60 56.50 150/300* 236.80 146.00 113.00 125.00 78.00 70.30 58.80 150/300* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.1%200/300* 227.70 140.40 108.70 120.20 75.00 67.60 56.50 200/300* 236.80 146.00 113.00 125.00 78.00 70.30 58.80 200/300* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.1%250/300* 227.70 140.40 108.70 120.20 75.00 67.60 56.50 250/300* 236.80 146.00 113.00 125.00 78.00 70.30 58.80 250/300* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.1%300/300 227.70 140.40 108.70 120.20 75.00 67.60 56.50 300/300 236.80 146.00 113.00 125.00 78.00 70.30 58.80 300/300 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.1%

100/400* 246.20 151.80 117.50 133.10 80.80 73.70 60.90 100/400* 256.00 157.90 122.20 138.40 84.00 76.60 63.30 100/400* 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 3.9%150/400* 246.20 151.80 117.50 133.10 80.80 73.70 60.90 150/400* 256.00 157.90 122.20 138.40 84.00 76.60 63.30 150/400* 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 3.9%200/400* 246.20 151.80 117.50 133.10 80.80 73.70 60.90 200/400* 256.00 157.90 122.20 138.40 84.00 76.60 63.30 200/400* 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 3.9%250/400* 246.20 151.80 117.50 133.10 80.80 73.70 60.90 250/400* 256.00 157.90 122.20 138.40 84.00 76.60 63.30 250/400* 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 3.9%100/500* 246.20 151.80 117.50 133.10 80.80 73.70 60.90 100/500* 256.00 157.90 122.20 138.40 84.00 76.60 63.30 100/500* 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 3.9%150/500* 246.20 151.80 117.50 133.10 80.80 73.70 60.90 150/500* 256.00 157.90 122.20 138.40 84.00 76.60 63.30 150/500* 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 3.9%200/500* 246.20 151.80 117.50 133.10 80.80 73.70 60.90 200/500* 256.00 157.90 122.20 138.40 84.00 76.60 63.30 200/500* 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 3.9%250/500 246.20 151.80 117.50 133.10 80.80 73.70 60.90 250/500 256.00 157.90 122.20 138.40 84.00 76.60 63.30 250/500 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 3.9%

300/400* 251.80 155.30 120.00 136.50 82.70 76.00 62.60 300/400* 261.90 161.50 124.80 142.00 86.00 79.00 65.10 300/400* 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 4.0%300/500* 251.80 155.30 120.00 136.50 82.70 76.00 62.60 300/500* 261.90 161.50 124.80 142.00 86.00 79.00 65.10 300/500* 4.0% 4.0% 4.0% 4.0% 4.0% 3.9% 4.0%400/400* 270.30 166.60 128.80 149.50 88.90 81.80 67.00 400/400* 281.10 173.30 134.00 155.50 92.50 85.10 69.70 400/400* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%400/500* 270.30 166.60 128.80 149.50 88.90 81.80 67.00 400/500* 281.10 173.30 134.00 155.50 92.50 85.10 69.70 400/500* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%500/500 270.30 166.60 128.80 149.50 88.90 81.80 67.00 500/500 281.10 173.30 134.00 155.50 92.50 85.10 69.70 500/500 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

200/750* 302.80 187.20 144.50 172.30 99.60 93.50 75.10 200/750* 314.90 194.70 150.30 179.20 103.60 97.20 78.10 200/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%250/750* 302.80 187.20 144.50 172.30 99.60 93.50 75.10 250/750* 314.90 194.70 150.30 179.20 103.60 97.20 78.10 250/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%300/750* 302.80 187.20 144.50 172.30 99.60 93.50 75.10 300/750* 314.90 194.70 150.30 179.20 103.60 97.20 78.10 300/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%400/750* 302.80 187.20 144.50 172.30 99.60 93.50 75.10 400/750* 314.90 194.70 150.30 179.20 103.60 97.20 78.10 400/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%500/750* 302.80 187.20 144.50 172.30 99.60 93.50 75.10 500/750* 314.90 194.70 150.30 179.20 103.60 97.20 78.10 500/750* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

250/1000* 302.80 187.20 144.50 172.30 99.60 93.50 75.10 250/1000* 314.90 194.70 150.30 179.20 103.60 97.20 78.10 250/1000* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%300/1000* 302.80 187.20 144.50 172.30 99.60 93.50 75.10 300/1000* 314.90 194.70 150.30 179.20 103.60 97.20 78.10 300/1000* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%400/1000* 302.80 187.20 144.50 172.30 99.60 93.50 75.10 400/1000* 314.90 194.70 150.30 179.20 103.60 97.20 78.10 400/1000* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%500/1000* 302.80 187.20 144.50 172.30 99.60 93.50 75.10 500/1000* 314.90 194.70 150.30 179.20 103.60 97.20 78.10 500/1000* 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%1000/1000 340.70 210.30 162.40 193.90 111.80 104.30 84.70 1000/1000 354.30 218.70 168.90 201.70 116.30 108.50 88.10 1000/1000 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%

* Available only to policies that had selected them prior to 12/22/2014 * Available only to policies that had selected them prior to 12/22/2014

Exhibit XIIIPage 1

© 2017 Nationwide

Pennsylvania Private Passenger Automobile Nationwide Affinity Insurance Company of America


BIBodily Injury


Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 7.4% 0.0% 277.60 298.10 7.4% 7.4%2 7.4% 0.0% 288.70 310.10 7.4% 7.4%3 7.4% 0.0% 297.50 319.50 7.4% 7.4%4 7.4% 0.0% 302.00 324.30 7.4% 7.4%5 7.4% 0.0% 311.30 334.30 7.4% 7.4%6 7.4% 0.0% 313.60 336.80 7.4% 7.4%7 7.4% 0.0% 316.10 339.50 7.4% 7.4%8 7.4% 0.0% 320.50 344.20 7.4% 7.4%9 7.4% 0.0% 322.40 346.30 7.4% 7.4%

10 7.4% 0.0% 325.10 349.20 7.4% 7.4%11 7.4% 0.0% 347.70 373.40 7.4% 7.4%12 7.4% 0.0% 349.60 375.50 7.4% 7.4%13 7.4% 0.0% 360.80 387.50 7.4% 7.4%14 7.4% 0.0% 406.20 436.30 7.4% 7.4%15 7.4% 0.0% 428.60 460.30 7.4% 7.4%16 7.4% 0.0% 431.00 462.90 7.4% 7.4%17 7.4% 0.0% 487.20 523.30 7.4% 7.4%18 7.4% 0.0% 523.50 562.20 7.4% 7.4%19 7.4% 0.0% 539.30 579.20 7.4% 7.4%20 7.4% 0.0% 661.30 710.20 7.4% 7.4%21 7.4% 0.0% 855.90 919.20 7.4% 7.4%22 7.4% 0.0% 872.90 937.50 7.4% 7.4%23 7.4% 0.0% 999.50 1,073.50 7.4% 7.4%24 7.4% 0.0% 1,038.00 1,114.80 7.4% 7.4%25 7.4% 0.0% 1,072.20 1,151.50 7.4% 7.4%

999 7.4% 0.0% 405.10 435.10 7.4% 7.4%

Exhibit XIIIPage 2

© 2017 Nationwide



PDProperty Damage


Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 8.1% 0.0% 189.30 204.60 8.1% 8.1%2 8.1% 0.0% 199.60 215.80 8.1% 8.1%3 8.1% 0.0% 204.90 221.50 8.1% 8.1%4 8.1% 0.0% 212.50 229.70 8.1% 8.1%5 8.1% 0.0% 216.10 233.60 8.1% 8.1%6 8.1% 0.0% 220.30 238.10 8.1% 8.1%7 8.1% 0.0% 229.00 247.50 8.1% 8.1%8 8.1% 0.0% 232.50 251.30 8.1% 8.1%9 8.1% 0.0% 234.60 253.60 8.1% 8.1%

10 8.1% 0.0% 239.70 259.10 8.1% 8.1%11 8.1% 0.0% 240.30 259.80 8.1% 8.1%12 8.1% 0.0% 244.10 263.90 8.1% 8.1%13 8.1% 0.0% 246.80 266.80 8.1% 8.1%14 8.1% 0.0% 251.90 272.30 8.1% 8.1%15 8.1% 0.0% 270.50 292.40 8.1% 8.1%16 8.1% 0.0% 275.70 298.00 8.1% 8.1%17 8.1% 0.0% 277.60 300.10 8.1% 8.1%18 8.1% 0.0% 290.00 313.50 8.1% 8.1%19 8.1% 0.0% 297.00 321.10 8.1% 8.1%20 8.1% 0.0% 302.20 326.70 8.1% 8.1%21 8.1% 0.0% 312.50 337.80 8.1% 8.1%22 8.1% 0.0% 321.80 347.90 8.1% 8.1%23 8.1% 0.0% 334.50 361.60 8.1% 8.1%24 8.1% 0.0% 370.50 400.50 8.1% 8.1%25 8.1% 0.0% 359.10 388.20 8.1% 8.1%26 8.1% 0.0% 371.40 401.50 8.1% 8.1%

999 8.1% 0.0% 252.70 273.20 8.1% 8.1%

Exhibit XIIIPage 3

© 2017 Nationwide



FPBMedical Benefits


Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 6.3% 0.0% 315.30 335.20 6.3% 6.3%2 6.3% 0.0% 339.80 361.20 6.3% 6.3%3 6.3% 0.0% 391.80 416.50 6.3% 6.3%4 6.3% 0.0% 411.10 437.00 6.3% 6.3%5 6.3% 0.0% 416.50 442.70 6.3% 6.3%6 6.3% 0.0% 421.80 448.40 6.3% 6.3%7 6.3% 0.0% 454.30 482.90 6.3% 6.3%8 6.3% 0.0% 457.00 485.80 6.3% 6.3%9 6.3% 0.0% 477.30 507.40 6.3% 6.3%

10 6.3% 0.0% 472.90 502.70 6.3% 6.3%11 6.3% 0.0% 484.40 514.90 6.3% 6.3%12 6.3% 0.0% 487.50 518.20 6.3% 6.3%13 6.3% 0.0% 517.20 549.80 6.3% 6.3%14 6.3% 0.0% 536.00 569.80 6.3% 6.3%15 6.3% 0.0% 619.40 658.40 6.3% 6.3%16 6.3% 0.0% 659.60 701.20 6.3% 6.3%17 6.3% 0.0% 631.00 670.80 6.3% 6.3%18 6.3% 0.0% 721.60 767.10 6.3% 6.3%19 6.3% 0.0% 714.10 759.10 6.3% 6.3%20 6.3% 0.0% 755.50 803.10 6.3% 6.3%21 6.3% 0.0% 832.00 884.40 6.3% 6.3%22 6.3% 0.0% 1,334.30 1,418.40 6.3% 6.3%23 6.3% 0.0% 1,553.10 1,650.90 6.3% 6.3%24 6.3% 0.0% 1,561.60 1,660.00 6.3% 6.3%25 6.3% 0.0% 1,627.10 1,729.60 6.3% 6.3%

999 6.3% 0.0% 535.30 569.00 6.3% 6.3%

Exhibit XIIIPage 4

© 2017 Nationwide



FPBFuneral Benefits


Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 6.3% 0.0% 1.40 1.50 7.1% 7.1%2 6.3% 0.0% 1.60 1.70 6.3% 6.3%3 6.3% 0.0% 1.80 1.90 5.6% 5.6%4 6.3% 0.0% 1.80 1.90 5.6% 5.6%5 6.3% 0.0% 1.80 1.90 5.6% 5.6%6 6.3% 0.0% 1.80 1.90 5.6% 5.6%7 6.3% 0.0% 1.80 1.90 5.6% 5.6%8 6.3% 0.0% 1.90 2.00 5.3% 5.3%9 6.3% 0.0% 1.90 2.00 5.3% 5.3%

10 6.3% 0.0% 1.90 2.00 5.3% 5.3%11 6.3% 0.0% 1.90 2.00 5.3% 5.3%12 6.3% 0.0% 1.90 2.00 5.3% 5.3%13 6.3% 0.0% 2.00 2.10 5.0% 5.0%14 6.3% 0.0% 2.10 2.20 4.8% 4.8%15 6.3% 0.0% 2.50 2.70 8.0% 8.0%16 6.3% 0.0% 2.60 2.80 7.7% 7.7%17 6.3% 0.0% 2.50 2.70 8.0% 8.0%18 6.3% 0.0% 2.90 3.10 6.9% 6.9%19 6.3% 0.0% 2.90 3.10 6.9% 6.9%20 6.3% 0.0% 2.90 3.10 6.9% 6.9%21 6.3% 0.0% 3.20 3.40 6.3% 6.3%22 6.3% 0.0% 5.20 5.50 5.8% 5.8%23 6.3% 0.0% 6.20 6.60 6.5% 6.5%24 6.3% 0.0% 6.30 6.70 6.3% 6.3%25 6.3% 0.0% 6.70 7.10 6.0% 6.0%

999 6.3% 0.0% 2.10 2.20 4.8% 4.8%

Exhibit XIIIPage 5

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 6.3% 0.0% 7.70 8.20 6.5% 6.5%2 6.3% 0.0% 8.70 9.20 5.7% 5.7%3 6.3% 0.0% 9.60 10.20 6.3% 6.3%4 6.3% 0.0% 9.90 10.50 6.1% 6.1%5 6.3% 0.0% 10.00 10.60 6.0% 6.0%6 6.3% 0.0% 10.00 10.60 6.0% 6.0%7 6.3% 0.0% 11.30 12.00 6.2% 6.2%8 6.3% 0.0% 11.40 12.10 6.1% 6.1%9 6.3% 0.0% 11.80 12.50 5.9% 5.9%

10 6.3% 0.0% 11.70 12.40 6.0% 6.0%11 6.3% 0.0% 11.90 12.60 5.9% 5.9%12 6.3% 0.0% 12.00 12.80 6.7% 6.7%13 6.3% 0.0% 12.50 13.30 6.4% 6.4%14 6.3% 0.0% 13.20 14.00 6.1% 6.1%15 6.3% 0.0% 15.10 16.10 6.6% 6.6%16 6.3% 0.0% 16.30 17.30 6.1% 6.1%17 6.3% 0.0% 15.60 16.60 6.4% 6.4%18 6.3% 0.0% 17.80 18.90 6.2% 6.2%19 6.3% 0.0% 17.70 18.80 6.2% 6.2%20 6.3% 0.0% 18.60 19.80 6.5% 6.5%21 6.3% 0.0% 20.40 21.70 6.4% 6.4%22 6.3% 0.0% 32.80 34.90 6.4% 6.4%23 6.3% 0.0% 38.10 40.50 6.3% 6.3%24 6.3% 0.0% 38.20 40.60 6.3% 6.3%25 6.3% 0.0% 40.00 42.50 6.3% 6.3%

999 6.3% 0.0% 13.20 14.00 6.1% 6.1%

Exhibit XIIIPage 6

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 6.3% 0.0% 26.40 28.10 6.4% 6.4%2 6.3% 0.0% 28.80 30.60 6.3% 6.3%3 6.3% 0.0% 33.30 35.40 6.3% 6.3%4 6.3% 0.0% 34.70 36.90 6.3% 6.3%5 6.3% 0.0% 35.10 37.30 6.3% 6.3%6 6.3% 0.0% 35.60 37.80 6.2% 6.2%7 6.3% 0.0% 38.40 40.80 6.3% 6.3%8 6.3% 0.0% 38.50 40.90 6.2% 6.2%9 6.3% 0.0% 40.30 42.80 6.2% 6.2%

10 6.3% 0.0% 40.00 42.50 6.3% 6.3%11 6.3% 0.0% 40.90 43.50 6.4% 6.4%12 6.3% 0.0% 41.10 43.70 6.3% 6.3%13 6.3% 0.0% 43.80 46.60 6.4% 6.4%14 6.3% 0.0% 45.00 47.80 6.2% 6.2%15 6.3% 0.0% 52.30 55.60 6.3% 6.3%16 6.3% 0.0% 55.70 59.20 6.3% 6.3%17 6.3% 0.0% 53.20 56.60 6.4% 6.4%18 6.3% 0.0% 60.90 64.70 6.2% 6.2%19 6.3% 0.0% 60.60 64.40 6.3% 6.3%20 6.3% 0.0% 63.80 67.80 6.3% 6.3%21 6.3% 0.0% 70.10 74.50 6.3% 6.3%22 6.3% 0.0% 112.90 120.00 6.3% 6.3%23 6.3% 0.0% 131.20 139.50 6.3% 6.3%24 6.3% 0.0% 132.00 140.30 6.3% 6.3%25 6.3% 0.0% 137.40 146.10 6.3% 6.3%

999 6.3% 0.0% 45.00 47.80 6.2% 6.2%

Exhibit XIIIPage 7

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 6.3% 0.0% 420.40 446.90 6.3% 6.3%2 6.3% 0.0% 452.10 480.60 6.3% 6.3%3 6.3% 0.0% 521.30 554.10 6.3% 6.3%4 6.3% 0.0% 547.50 582.00 6.3% 6.3%5 6.3% 0.0% 554.30 589.20 6.3% 6.3%6 6.3% 0.0% 561.40 596.80 6.3% 6.3%7 6.3% 0.0% 605.10 643.20 6.3% 6.3%8 6.3% 0.0% 608.60 646.90 6.3% 6.3%9 6.3% 0.0% 635.00 675.00 6.3% 6.3%

10 6.3% 0.0% 630.00 669.70 6.3% 6.3%11 6.3% 0.0% 644.80 685.40 6.3% 6.3%12 6.3% 0.0% 648.40 689.20 6.3% 6.3%13 6.3% 0.0% 688.00 731.30 6.3% 6.3%14 6.3% 0.0% 713.10 758.00 6.3% 6.3%15 6.3% 0.0% 824.50 876.40 6.3% 6.3%16 6.3% 0.0% 877.80 933.10 6.3% 6.3%17 6.3% 0.0% 840.30 893.20 6.3% 6.3%18 6.3% 0.0% 960.60 1,021.10 6.3% 6.3%19 6.3% 0.0% 950.30 1,010.20 6.3% 6.3%20 6.3% 0.0% 1,005.10 1,068.40 6.3% 6.3%21 6.3% 0.0% 1,107.40 1,177.20 6.3% 6.3%22 6.3% 0.0% 1,775.80 1,887.70 6.3% 6.3%23 6.3% 0.0% 2,066.80 2,197.00 6.3% 6.3%24 6.3% 0.0% 2,078.20 2,209.10 6.3% 6.3%25 6.3% 0.0% 2,165.30 2,301.70 6.3% 6.3%

999 6.3% 0.0% 712.40 757.30 6.3% 6.3%

Exhibit XIIIPage 8

© 2017 Nationwide



UMBIUninsured Motorists - Bodily Injury


Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 3.8% 0.0% 14.40 14.90 3.5% 3.5%2 3.8% 0.0% 14.50 15.10 4.1% 4.1%3 3.8% 0.0% 14.10 14.60 3.5% 3.5%4 3.8% 0.0% 14.40 14.90 3.5% 3.5%5 3.8% 0.0% 14.10 14.60 3.5% 3.5%6 3.8% 0.0% 27.10 28.10 3.7% 3.7%7 3.8% 0.0% 14.10 14.60 3.5% 3.5%8 3.8% 0.0% 16.20 16.80 3.7% 3.7%9 3.8% 0.0% 14.50 15.10 4.1% 4.1%

10 3.8% 0.0% 19.80 20.60 4.0% 4.0%11 3.8% 0.0% 39.20 40.70 3.8% 3.8%12 3.8% 0.0% 59.40 61.70 3.9% 3.9%13 3.8% 0.0% 26.40 27.40 3.8% 3.8%14 3.8% 0.0% 14.50 15.10 4.1% 4.1%15 3.8% 0.0% 22.60 23.50 4.0% 4.0%16 3.8% 0.0% 20.50 21.30 3.9% 3.9%17 3.8% 0.0% 22.60 23.50 4.0% 4.0%18 3.8% 0.0% 22.60 23.50 4.0% 4.0%19 3.8% 0.0% 153.60 159.40 3.8% 3.8%20 3.8% 0.0% 17.10 17.70 3.5% 3.5%21 3.8% 0.0% 19.70 20.40 3.6% 3.6%22 3.8% 0.0% 14.40 14.90 3.5% 3.5%23 3.8% 0.0% 14.40 14.90 3.5% 3.5%24 3.8% 0.0% 14.40 14.90 3.5% 3.5%25 3.8% 0.0% 28.00 29.10 3.9% 3.9%26 3.8% 0.0% 36.20 37.60 3.9% 3.9%27 3.8% 0.0% 55.60 57.70 3.8% 3.8%28 3.8% 0.0% 21.30 22.10 3.8% 3.8%

999 3.8% 0.0% 25.80 26.80 3.9% 3.9%

Exhibit XIIIPage 9

© 2017 Nationwide



UIMBIUnderinsured Motorists - Bodily Injury


Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 4.0% 0.0% 77.90 81.00 4.0% 4.0%2 4.0% 0.0% 74.10 77.10 4.0% 4.0%3 4.0% 0.0% 67.70 70.40 4.0% 4.0%4 4.0% 0.0% 70.60 73.40 4.0% 4.0%5 4.0% 0.0% 66.10 68.70 3.9% 3.9%6 4.0% 0.0% 102.00 106.10 4.0% 4.0%7 4.0% 0.0% 60.90 63.30 3.9% 3.9%8 4.0% 0.0% 68.30 71.00 4.0% 4.0%9 4.0% 0.0% 78.30 81.40 4.0% 4.0%

10 4.0% 0.0% 65.90 68.50 3.9% 3.9%11 4.0% 0.0% 124.40 129.40 4.0% 4.0%12 4.0% 0.0% 177.10 184.20 4.0% 4.0%13 4.0% 0.0% 78.30 81.40 4.0% 4.0%14 4.0% 0.0% 67.90 70.60 4.0% 4.0%15 4.0% 0.0% 147.80 153.70 4.0% 4.0%16 4.0% 0.0% 109.50 113.90 4.0% 4.0%17 4.0% 0.0% 109.50 113.90 4.0% 4.0%18 4.0% 0.0% 109.50 113.90 4.0% 4.0%19 4.0% 0.0% 314.30 326.90 4.0% 4.0%20 4.0% 0.0% 86.30 89.80 4.1% 4.1%21 4.0% 0.0% 103.10 107.20 4.0% 4.0%22 4.0% 0.0% 71.40 74.30 4.1% 4.1%23 4.0% 0.0% 75.20 78.20 4.0% 4.0%24 4.0% 0.0% 65.10 67.70 4.0% 4.0%25 4.0% 0.0% 101.00 105.00 4.0% 4.0%26 4.0% 0.0% 122.20 127.10 4.0% 4.0%27 4.0% 0.0% 165.70 172.30 4.0% 4.0%28 4.0% 0.0% 109.50 113.90 4.0% 4.0%

999 4.0% 0.0% 93.00 96.70 4.0% 4.0%

Exhibit XIIIPage 10

© 2017 Nationwide



COMPComprehensive


Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 10.3% 0.0% 91.40 100.80 10.3% 10.3%2 10.3% 0.0% 97.80 107.90 10.3% 10.3%3 10.3% 0.0% 100.30 110.60 10.3% 10.3%4 10.3% 0.0% 107.00 118.00 10.3% 10.3%5 10.3% 0.0% 116.10 128.10 10.3% 10.3%6 10.3% 0.0% 121.80 134.30 10.3% 10.3%7 10.3% 0.0% 119.70 132.00 10.3% 10.3%8 10.3% 0.0% 128.50 141.70 10.3% 10.3%9 10.3% 0.0% 126.30 139.30 10.3% 10.3%

10 10.3% 0.0% 131.50 145.00 10.3% 10.3%11 10.3% 0.0% 137.50 151.70 10.3% 10.3%12 10.3% 0.0% 147.80 163.00 10.3% 10.3%13 10.3% 0.0% 138.60 152.90 10.3% 10.3%14 10.3% 0.0% 145.70 160.70 10.3% 10.3%15 10.3% 0.0% 155.30 171.30 10.3% 10.3%16 10.3% 0.0% 150.50 166.00 10.3% 10.3%17 10.3% 0.0% 169.30 186.70 10.3% 10.3%18 10.3% 0.0% 190.40 210.00 10.3% 10.3%19 10.3% 0.0% 179.30 197.80 10.3% 10.3%20 10.3% 0.0% 202.00 222.80 10.3% 10.3%21 10.3% 0.0% 214.40 236.50 10.3% 10.3%22 10.3% 0.0% 217.90 240.30 10.3% 10.3%23 10.3% 0.0% 213.70 235.70 10.3% 10.3%24 10.3% 0.0% 223.30 246.30 10.3% 10.3%25 10.3% 0.0% 226.80 250.20 10.3% 10.3%26 10.3% 0.0% 187.80 207.10 10.3% 10.3%27 10.3% 0.0% 204.20 225.20 10.3% 10.3%28 10.3% 0.0% 238.70 263.30 10.3% 10.3%29 10.3% 0.0% 204.20 225.20 10.3% 10.3%30 10.3% 0.0% 219.90 242.50 10.3% 10.3%31 10.3% 0.0% 244.70 269.90 10.3% 10.3%32 10.3% 0.0% 228.00 251.50 10.3% 10.3%33 10.3% 0.0% 286.60 316.10 10.3% 10.3%34 10.3% 0.0% 269.60 297.40 10.3% 10.3%35 10.3% 0.0% 235.10 259.30 10.3% 10.3%36 10.3% 0.0% 273.50 301.70 10.3% 10.3%37 10.3% 0.0% 286.10 315.60 10.3% 10.3%38 10.3% 0.0% 287.20 316.80 10.3% 10.3%999 10.3% 0.0% 141.10 155.60 10.3% 10.3%

Exhibit XIIIPage 11

© 2017 Nationwide

Pennsylvania Private Passenger AutomobileNationwide Affinity Insurance Company of America


COLLCollision


Internal Change

Current Rate

Revised Rate

Base Rate Change

Total Change

1 1.4% 0.0% 296.40 300.50 1.4% 1.4%2 1.4% 0.0% 307.30 311.60 1.4% 1.4%3 1.4% 0.0% 314.60 319.00 1.4% 1.4%4 1.4% 0.0% 323.10 327.60 1.4% 1.4%5 1.4% 0.0% 324.30 328.80 1.4% 1.4%6 1.4% 0.0% 325.80 330.40 1.4% 1.4%7 1.4% 0.0% 332.60 337.30 1.4% 1.4%8 1.4% 0.0% 329.90 334.50 1.4% 1.4%9 1.4% 0.0% 336.00 340.70 1.4% 1.4%

10 1.4% 0.0% 337.50 342.20 1.4% 1.4%11 1.4% 0.0% 347.40 352.30 1.4% 1.4%12 1.4% 0.0% 345.70 350.50 1.4% 1.4%13 1.4% 0.0% 351.40 356.30 1.4% 1.4%14 1.4% 0.0% 354.80 359.80 1.4% 1.4%15 1.4% 0.0% 370.80 376.00 1.4% 1.4%16 1.4% 0.0% 371.40 376.60 1.4% 1.4%17 1.4% 0.0% 384.10 389.50 1.4% 1.4%18 1.4% 0.0% 392.20 397.70 1.4% 1.4%19 1.4% 0.0% 393.10 398.60 1.4% 1.4%20 1.4% 0.0% 419.40 425.30 1.4% 1.4%21 1.4% 0.0% 422.40 428.30 1.4% 1.4%22 1.4% 0.0% 426.00 432.00 1.4% 1.4%23 1.4% 0.0% 447.70 454.00 1.4% 1.4%24 1.4% 0.0% 457.00 463.40 1.4% 1.4%25 1.4% 0.0% 409.50 415.20 1.4% 1.4%26 1.4% 0.0% 458.60 465.00 1.4% 1.4%27 1.4% 0.0% 437.00 443.10 1.4% 1.4%28 1.4% 0.0% 482.80 489.60 1.4% 1.4%29 1.4% 0.0% 497.90 504.90 1.4% 1.4%30 1.4% 0.0% 534.50 542.00 1.4% 1.4%31 1.4% 0.0% 519.10 526.40 1.4% 1.4%32 1.4% 0.0% 568.40 576.40 1.4% 1.4%33 1.4% 0.0% 551.40 559.10 1.4% 1.4%

999 1.4% 0.0% 363.20 368.30 1.4% 1.4%

Exhibit XIVPage 1

© 2017 Nationwide

Pennsylvania Private Passenger Automobile Nationwide Property and Casualty Insurance Company


BIBodily Injury


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 7.4% 0.0% 223.00 239.50 7.4% 7.4%2 7.4% 0.0% 201.60 216.50 7.4% 7.4%3 7.4% 0.0% 207.70 223.10 7.4% 7.4%4 7.4% 0.0% 210.90 226.50 7.4% 7.4%5 7.4% 0.0% 217.20 233.30 7.4% 7.4%6 7.4% 0.0% 234.00 251.30 7.4% 7.4%7 7.4% 0.0% 227.40 244.20 7.4% 7.4%8 7.4% 0.0% 223.70 240.30 7.4% 7.4%9 7.4% 0.0% 239.80 257.50 7.4% 7.4%

10 7.4% 0.0% 261.40 280.70 7.4% 7.4%11 7.4% 0.0% 242.80 260.80 7.4% 7.4%12 7.4% 0.0% 280.80 301.60 7.4% 7.4%13 7.4% 0.0% 289.80 311.20 7.4% 7.4%14 7.4% 0.0% 315.10 338.40 7.4% 7.4%15 7.4% 0.0% 298.90 321.00 7.4% 7.4%16 7.4% 0.0% 302.70 325.10 7.4% 7.4%17 7.4% 0.0% 340.10 365.30 7.4% 7.4%18 7.4% 0.0% 365.40 392.40 7.4% 7.4%19 7.4% 0.0% 376.50 404.40 7.4% 7.4%20 7.4% 0.0% 461.50 495.70 7.4% 7.4%21 7.4% 0.0% 592.80 636.70 7.4% 7.4%22 7.4% 0.0% 598.70 643.00 7.4% 7.4%23 7.4% 0.0% 683.80 734.40 7.4% 7.4%24 7.4% 0.0% 766.90 823.70 7.4% 7.4%25 7.4% 0.0% 733.60 787.90 7.4% 7.4%

999 7.4% 0.0% 325.90 350.00 7.4% 7.4%

Exhibit XIVPage 2

© 2017 Nationwide



PDProperty Damage


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 8.1% 0.0% 147.40 159.30 8.1% 8.1%2 8.1% 0.0% 163.30 176.50 8.1% 8.1%3 8.1% 0.0% 173.70 187.80 8.1% 8.1%4 8.1% 0.0% 176.60 190.90 8.1% 8.1%5 8.1% 0.0% 180.00 194.60 8.1% 8.1%6 8.1% 0.0% 182.20 197.00 8.1% 8.1%7 8.1% 0.0% 197.30 213.30 8.1% 8.1%8 8.1% 0.0% 185.00 200.00 8.1% 8.1%9 8.1% 0.0% 182.30 197.10 8.1% 8.1%

10 8.1% 0.0% 186.10 201.20 8.1% 8.1%11 8.1% 0.0% 209.00 225.90 8.1% 8.1%12 8.1% 0.0% 190.70 206.10 8.1% 8.1%13 8.1% 0.0% 191.90 207.40 8.1% 8.1%14 8.1% 0.0% 195.70 211.60 8.1% 8.1%15 8.1% 0.0% 211.00 228.10 8.1% 8.1%16 8.1% 0.0% 214.00 231.30 8.1% 8.1%17 8.1% 0.0% 215.70 233.20 8.1% 8.1%18 8.1% 0.0% 225.20 243.40 8.1% 8.1%19 8.1% 0.0% 230.60 249.30 8.1% 8.1%20 8.1% 0.0% 234.80 253.80 8.1% 8.1%21 8.1% 0.0% 247.50 267.50 8.1% 8.1%22 8.1% 0.0% 260.80 281.90 8.1% 8.1%23 8.1% 0.0% 268.90 290.70 8.1% 8.1%24 8.1% 0.0% 278.00 300.50 8.1% 8.1%25 8.1% 0.0% 269.40 291.20 8.1% 8.1%26 8.1% 0.0% 278.50 301.10 8.1% 8.1%

999 8.1% 0.0% 207.50 224.30 8.1% 8.1%

Exhibit XIVPage 3

© 2017 Nationwide



FPBMedical Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 6.3% 0.0% 244.30 259.70 6.3% 6.3%2 6.3% 0.0% 297.90 316.70 6.3% 6.3%3 6.3% 0.0% 303.70 322.80 6.3% 6.3%4 6.3% 0.0% 316.80 336.80 6.3% 6.3%5 6.3% 0.0% 322.60 342.90 6.3% 6.3%6 6.3% 0.0% 326.80 347.40 6.3% 6.3%7 6.3% 0.0% 361.70 384.50 6.3% 6.3%8 6.3% 0.0% 354.20 376.50 6.3% 6.3%9 6.3% 0.0% 373.80 397.30 6.3% 6.3%

10 6.3% 0.0% 369.20 392.50 6.3% 6.3%11 6.3% 0.0% 424.80 451.60 6.3% 6.3%12 6.3% 0.0% 427.40 454.30 6.3% 6.3%13 6.3% 0.0% 400.50 425.70 6.3% 6.3%14 6.3% 0.0% 415.40 441.60 6.3% 6.3%15 6.3% 0.0% 462.70 491.90 6.3% 6.3%16 6.3% 0.0% 492.90 524.00 6.3% 6.3%17 6.3% 0.0% 548.50 583.10 6.3% 6.3%18 6.3% 0.0% 559.10 594.30 6.3% 6.3%19 6.3% 0.0% 564.10 599.60 6.3% 6.3%20 6.3% 0.0% 578.70 615.20 6.3% 6.3%21 6.3% 0.0% 644.50 685.10 6.3% 6.3%22 6.3% 0.0% 997.30 1,060.10 6.3% 6.3%23 6.3% 0.0% 1,164.90 1,238.30 6.3% 6.3%24 6.3% 0.0% 1,315.90 1,398.80 6.3% 6.3%25 6.3% 0.0% 1,380.30 1,467.30 6.3% 6.3%

999 6.3% 0.0% 469.20 498.80 6.3% 6.3%

Exhibit XIVPage 4

© 2017 Nationwide



FPBFuneral Benefits


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 6.3% 0.0% 1.00 1.10 10.0% 10.0%2 6.3% 0.0% 1.10 1.20 9.1% 9.1%3 6.3% 0.0% 1.30 1.40 7.7% 7.7%4 6.3% 0.0% 1.40 1.50 7.1% 7.1%5 6.3% 0.0% 1.40 1.50 7.1% 7.1%6 6.3% 0.0% 1.40 1.50 7.1% 7.1%7 6.3% 0.0% 1.40 1.50 7.1% 7.1%8 6.3% 0.0% 1.50 1.60 6.7% 6.7%9 6.3% 0.0% 1.50 1.60 6.7% 6.7%

10 6.3% 0.0% 1.50 1.60 6.7% 6.7%11 6.3% 0.0% 1.50 1.60 6.7% 6.7%12 6.3% 0.0% 1.50 1.60 6.7% 6.7%13 6.3% 0.0% 1.50 1.60 6.7% 6.7%14 6.3% 0.0% 1.90 2.00 5.3% 5.3%15 6.3% 0.0% 2.20 2.30 4.5% 4.5%16 6.3% 0.0% 2.30 2.40 4.3% 4.3%17 6.3% 0.0% 2.20 2.30 4.5% 4.5%18 6.3% 0.0% 2.50 2.70 8.0% 8.0%19 6.3% 0.0% 2.50 2.70 8.0% 8.0%20 6.3% 0.0% 2.50 2.70 8.0% 8.0%21 6.3% 0.0% 2.60 2.80 7.7% 7.7%22 6.3% 0.0% 4.30 4.60 7.0% 7.0%23 6.3% 0.0% 5.30 5.60 5.7% 5.7%24 6.3% 0.0% 5.50 5.80 5.5% 5.5%25 6.3% 0.0% 5.70 6.10 7.0% 7.0%

999 6.3% 0.0% 2.00 2.10 5.0% 5.0%

Exhibit XIVPage 5

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 6.3% 0.0% 6.70 7.10 6.0% 6.0%2 6.3% 0.0% 7.50 8.00 6.7% 6.7%3 6.3% 0.0% 8.10 8.60 6.2% 6.2%4 6.3% 0.0% 8.50 9.00 5.9% 5.9%5 6.3% 0.0% 8.60 9.10 5.8% 5.8%6 6.3% 0.0% 8.60 9.10 5.8% 5.8%7 6.3% 0.0% 9.50 10.10 6.3% 6.3%8 6.3% 0.0% 9.60 10.20 6.3% 6.3%9 6.3% 0.0% 9.90 10.50 6.1% 6.1%

10 6.3% 0.0% 9.80 10.40 6.1% 6.1%11 6.3% 0.0% 9.90 10.50 6.1% 6.1%12 6.3% 0.0% 10.00 10.60 6.0% 6.0%13 6.3% 0.0% 10.60 11.30 6.6% 6.6%14 6.3% 0.0% 10.90 11.60 6.4% 6.4%15 6.3% 0.0% 12.80 13.60 6.3% 6.3%16 6.3% 0.0% 13.50 14.40 6.7% 6.7%17 6.3% 0.0% 13.10 13.90 6.1% 6.1%18 6.3% 0.0% 15.30 16.30 6.5% 6.5%19 6.3% 0.0% 14.70 15.60 6.1% 6.1%20 6.3% 0.0% 15.60 16.60 6.4% 6.4%21 6.3% 0.0% 16.90 18.00 6.5% 6.5%22 6.3% 0.0% 27.40 29.10 6.2% 6.2%23 6.3% 0.0% 31.90 33.90 6.3% 6.3%24 6.3% 0.0% 32.10 34.10 6.2% 6.2%25 6.3% 0.0% 33.30 35.40 6.3% 6.3%

999 6.3% 0.0% 12.00 12.80 6.7% 6.7%

Exhibit XIVPage 6

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 6.3% 0.0% 21.80 23.20 6.4% 6.4%2 6.3% 0.0% 23.80 25.30 6.3% 6.3%3 6.3% 0.0% 29.90 31.80 6.4% 6.4%4 6.3% 0.0% 29.50 31.40 6.4% 6.4%5 6.3% 0.0% 29.50 31.40 6.4% 6.4%6 6.3% 0.0% 30.40 32.30 6.3% 6.3%7 6.3% 0.0% 31.10 33.10 6.4% 6.4%8 6.3% 0.0% 32.80 34.90 6.4% 6.4%9 6.3% 0.0% 34.90 37.10 6.3% 6.3%

10 6.3% 0.0% 32.60 34.70 6.4% 6.4%11 6.3% 0.0% 35.90 38.20 6.4% 6.4%12 6.3% 0.0% 33.90 36.00 6.2% 6.2%13 6.3% 0.0% 37.00 39.30 6.2% 6.2%14 6.3% 0.0% 38.90 41.40 6.4% 6.4%15 6.3% 0.0% 42.00 44.60 6.2% 6.2%16 6.3% 0.0% 46.40 49.30 6.3% 6.3%17 6.3% 0.0% 46.90 49.90 6.4% 6.4%18 6.3% 0.0% 51.00 54.20 6.3% 6.3%19 6.3% 0.0% 48.60 51.70 6.4% 6.4%20 6.3% 0.0% 53.20 56.60 6.4% 6.4%21 6.3% 0.0% 57.80 61.40 6.2% 6.2%22 6.3% 0.0% 93.30 99.20 6.3% 6.3%23 6.3% 0.0% 106.90 113.60 6.3% 6.3%24 6.3% 0.0% 106.50 113.20 6.3% 6.3%25 6.3% 0.0% 118.40 125.90 6.3% 6.3%

999 6.3% 0.0% 37.60 40.00 6.4% 6.4%

Exhibit XIVPage 7

© 2017 Nationwide





Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 6.3% 0.0% 356.40 378.90 6.3% 6.3%2 6.3% 0.0% 370.40 393.70 6.3% 6.3%3 6.3% 0.0% 427.00 453.90 6.3% 6.3%4 6.3% 0.0% 452.30 480.80 6.3% 6.3%5 6.3% 0.0% 448.70 477.00 6.3% 6.3%6 6.3% 0.0% 483.60 514.10 6.3% 6.3%7 6.3% 0.0% 494.00 525.10 6.3% 6.3%8 6.3% 0.0% 496.20 527.50 6.3% 6.3%9 6.3% 0.0% 530.20 563.60 6.3% 6.3%

10 6.3% 0.0% 557.30 592.40 6.3% 6.3%11 6.3% 0.0% 527.70 560.90 6.3% 6.3%12 6.3% 0.0% 534.30 568.00 6.3% 6.3%13 6.3% 0.0% 559.90 595.20 6.3% 6.3%14 6.3% 0.0% 571.60 607.60 6.3% 6.3%15 6.3% 0.0% 744.20 791.10 6.3% 6.3%16 6.3% 0.0% 723.30 768.90 6.3% 6.3%17 6.3% 0.0% 694.10 737.80 6.3% 6.3%18 6.3% 0.0% 797.70 848.00 6.3% 6.3%19 6.3% 0.0% 805.60 856.40 6.3% 6.3%20 6.3% 0.0% 831.70 884.10 6.3% 6.3%21 6.3% 0.0% 916.60 974.30 6.3% 6.3%22 6.3% 0.0% 1,471.80 1,564.50 6.3% 6.3%23 6.3% 0.0% 1,712.80 1,820.70 6.3% 6.3%24 6.3% 0.0% 1,726.10 1,834.80 6.3% 6.3%25 6.3% 0.0% 1,918.50 2,039.40 6.3% 6.3%

999 6.3% 0.0% 591.80 629.10 6.3% 6.3%

Exhibit XIVPage 8

© 2017 Nationwide



UMBIUninsured Motorists - Bodily Injury


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 3.8% 0.0% 13.90 14.40 3.6% 3.6%2 3.8% 0.0% 14.00 14.50 3.6% 3.6%3 3.8% 0.0% 13.70 14.20 3.6% 3.6%4 3.8% 0.0% 13.90 14.40 3.6% 3.6%5 3.8% 0.0% 13.10 13.60 3.8% 3.8%6 3.8% 0.0% 22.00 22.80 3.6% 3.6%7 3.8% 0.0% 12.70 13.20 3.9% 3.9%8 3.8% 0.0% 15.30 15.90 3.9% 3.9%9 3.8% 0.0% 14.10 14.60 3.5% 3.5%

10 3.8% 0.0% 16.30 16.90 3.7% 3.7%11 3.8% 0.0% 33.70 35.00 3.9% 3.9%12 3.8% 0.0% 53.70 55.70 3.7% 3.7%13 3.8% 0.0% 21.60 22.40 3.7% 3.7%14 3.8% 0.0% 14.10 14.60 3.5% 3.5%15 3.8% 0.0% 18.40 19.10 3.8% 3.8%16 3.8% 0.0% 16.70 17.30 3.6% 3.6%17 3.8% 0.0% 18.40 19.10 3.8% 3.8%18 3.8% 0.0% 18.40 19.10 3.8% 3.8%19 3.8% 0.0% 128.10 133.00 3.8% 3.8%20 3.8% 0.0% 14.20 14.70 3.5% 3.5%21 3.8% 0.0% 16.00 16.60 3.8% 3.8%22 3.8% 0.0% 13.90 14.40 3.6% 3.6%23 3.8% 0.0% 13.90 14.40 3.6% 3.6%24 3.8% 0.0% 13.00 13.50 3.8% 3.8%25 3.8% 0.0% 23.20 24.10 3.9% 3.9%26 3.8% 0.0% 29.40 30.50 3.7% 3.7%27 3.8% 0.0% 45.20 46.90 3.8% 3.8%28 3.8% 0.0% 17.40 18.10 4.0% 4.0%

999 3.8% 0.0% 24.70 25.60 3.6% 3.6%

Exhibit XIVPage 9

© 2017 Nationwide



UIMBIUnderinsured Motorists - Bodily Injury


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 4.0% 0.0% 60.80 63.20 3.9% 3.9%2 4.0% 0.0% 54.00 56.20 4.1% 4.1%3 4.0% 0.0% 53.80 56.00 4.1% 4.1%4 4.0% 0.0% 51.60 53.70 4.1% 4.1%5 4.0% 0.0% 50.80 52.80 3.9% 3.9%6 4.0% 0.0% 73.60 76.50 3.9% 3.9%7 4.0% 0.0% 44.90 46.70 4.0% 4.0%8 4.0% 0.0% 49.70 51.70 4.0% 4.0%9 4.0% 0.0% 60.50 62.90 4.0% 4.0%

10 4.0% 0.0% 48.70 50.60 3.9% 3.9%11 4.0% 0.0% 91.90 95.60 4.0% 4.0%12 4.0% 0.0% 132.20 137.50 4.0% 4.0%13 4.0% 0.0% 58.30 60.60 3.9% 3.9%14 4.0% 0.0% 50.10 52.10 4.0% 4.0%15 4.0% 0.0% 99.90 103.90 4.0% 4.0%16 4.0% 0.0% 74.00 77.00 4.1% 4.1%17 4.0% 0.0% 74.00 77.00 4.1% 4.1%18 4.0% 0.0% 74.00 77.00 4.1% 4.1%19 4.0% 0.0% 221.30 230.20 4.0% 4.0%20 4.0% 0.0% 58.40 60.70 3.9% 3.9%21 4.0% 0.0% 69.70 72.50 4.0% 4.0%22 4.0% 0.0% 49.10 51.10 4.1% 4.1%23 4.0% 0.0% 53.00 55.10 4.0% 4.0%24 4.0% 0.0% 48.40 50.30 3.9% 3.9%25 4.0% 0.0% 74.70 77.70 4.0% 4.0%26 4.0% 0.0% 91.20 94.80 3.9% 3.9%27 4.0% 0.0% 125.00 130.00 4.0% 4.0%28 4.0% 0.0% 74.00 77.00 4.1% 4.1%

999 4.0% 0.0% 73.90 76.90 4.1% 4.1%

Exhibit XIVPage 10

© 2017 Nationwide



COMPComprehensive


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 10.3% 0.0% 66.50 73.30 10.2% 10.2%2 10.3% 0.0% 70.20 77.40 10.3% 10.3%3 10.3% 0.0% 72.80 80.30 10.3% 10.3%4 10.3% 0.0% 78.40 86.50 10.3% 10.3%5 10.3% 0.0% 83.50 92.10 10.3% 10.3%6 10.3% 0.0% 90.70 100.00 10.3% 10.3%7 10.3% 0.0% 85.80 94.60 10.3% 10.3%8 10.3% 0.0% 92.30 101.80 10.3% 10.3%9 10.3% 0.0% 91.20 100.60 10.3% 10.3%

10 10.3% 0.0% 96.80 106.80 10.3% 10.3%11 10.3% 0.0% 110.80 122.20 10.3% 10.3%12 10.3% 0.0% 101.70 112.20 10.3% 10.3%13 10.3% 0.0% 101.30 111.70 10.3% 10.3%14 10.3% 0.0% 110.10 121.40 10.3% 10.3%15 10.3% 0.0% 113.00 124.60 10.3% 10.3%16 10.3% 0.0% 120.60 133.00 10.3% 10.3%17 10.3% 0.0% 131.70 145.30 10.3% 10.3%18 10.3% 0.0% 139.10 153.40 10.3% 10.3%19 10.3% 0.0% 144.50 159.40 10.3% 10.3%20 10.3% 0.0% 150.20 165.70 10.3% 10.3%21 10.3% 0.0% 151.20 166.80 10.3% 10.3%22 10.3% 0.0% 151.80 167.40 10.3% 10.3%23 10.3% 0.0% 156.60 172.70 10.3% 10.3%24 10.3% 0.0% 180.60 199.20 10.3% 10.3%25 10.3% 0.0% 171.80 189.50 10.3% 10.3%26 10.3% 0.0% 129.30 142.60 10.3% 10.3%27 10.3% 0.0% 140.60 155.10 10.3% 10.3%28 10.3% 0.0% 172.60 190.40 10.3% 10.3%29 10.3% 0.0% 140.50 155.00 10.3% 10.3%30 10.3% 0.0% 151.20 166.80 10.3% 10.3%31 10.3% 0.0% 168.40 185.70 10.3% 10.3%32 10.3% 0.0% 184.00 203.00 10.3% 10.3%33 10.3% 0.0% 197.10 217.40 10.3% 10.3%34 10.3% 0.0% 185.90 205.00 10.3% 10.3%35 10.3% 0.0% 175.30 193.40 10.3% 10.3%36 10.3% 0.0% 205.10 226.20 10.3% 10.3%37 10.3% 0.0% 219.50 242.10 10.3% 10.3%38 10.3% 0.0% 225.40 248.60 10.3% 10.3%

999 10.3% 0.0% 104.40 115.20 10.3% 10.3%

Exhibit XIVPage 11

© 2017 Nationwide

Pennsylvania Private Passenger AutomobileNationwide Property and Casualty Insurance Company


COLLCollision


Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change1 1.4% 0.0% 250.90 254.40 1.4% 1.4%2 1.4% 0.0% 275.00 278.90 1.4% 1.4%3 1.4% 0.0% 273.00 276.80 1.4% 1.4%4 1.4% 0.0% 273.30 277.10 1.4% 1.4%5 1.4% 0.0% 278.10 282.00 1.4% 1.4%6 1.4% 0.0% 303.50 307.70 1.4% 1.4%7 1.4% 0.0% 291.00 295.10 1.4% 1.4%8 1.4% 0.0% 286.30 290.30 1.4% 1.4%9 1.4% 0.0% 301.20 305.40 1.4% 1.4%

10 1.4% 0.0% 292.90 297.00 1.4% 1.4%11 1.4% 0.0% 298.10 302.30 1.4% 1.4%12 1.4% 0.0% 299.60 303.80 1.4% 1.4%13 1.4% 0.0% 304.50 308.80 1.4% 1.4%14 1.4% 0.0% 307.70 312.00 1.4% 1.4%15 1.4% 0.0% 305.40 309.70 1.4% 1.4%16 1.4% 0.0% 324.30 328.80 1.4% 1.4%17 1.4% 0.0% 330.90 335.50 1.4% 1.4%18 1.4% 0.0% 337.50 342.20 1.4% 1.4%19 1.4% 0.0% 341.20 346.00 1.4% 1.4%20 1.4% 0.0% 364.10 369.20 1.4% 1.4%21 1.4% 0.0% 361.60 366.70 1.4% 1.4%22 1.4% 0.0% 351.20 356.10 1.4% 1.4%23 1.4% 0.0% 388.60 394.00 1.4% 1.4%24 1.4% 0.0% 396.30 401.80 1.4% 1.4%25 1.4% 0.0% 334.40 339.10 1.4% 1.4%26 1.4% 0.0% 376.90 382.20 1.4% 1.4%27 1.4% 0.0% 418.60 424.50 1.4% 1.4%28 1.4% 0.0% 419.00 424.90 1.4% 1.4%29 1.4% 0.0% 419.00 424.90 1.4% 1.4%30 1.4% 0.0% 490.00 496.90 1.4% 1.4%31 1.4% 0.0% 497.30 504.30 1.4% 1.4%32 1.4% 0.0% 536.70 544.20 1.4% 1.4%33 1.4% 0.0% 526.90 534.30 1.4% 1.4%

999 1.4% 0.0% 347.70 352.60 1.4% 1.4%

Exhibit XV

© 2017 Nationwide


Base Rates for Miscellaneous CoveragesEffective 12/22/17

LOULoss of Use

TotalPer Total Current Proposed Internal RevisedDay Limit Rate Change Change Rate$30 $900 22.30 0.1% 0.0% 22.30$40 $1,200 28.90 0.1% 0.0% 28.90$50 $1,500 35.40 0.1% 0.0% 35.40$60 $1,800 42.00 0.1% 0.0% 42.00$75 $2,250 51.10 0.1% 0.0% 51.20$100 $3,000 64.80 0.1% 0.0% 64.90

FPBExcess Medical Benefits

Indicated Change

Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change6.3% 0.0% 18.60 19.80 6.5% 6.5%

Exhibit XVI

© 2017 Nationwide

Pennsylvania Private Passenger AutomobileNationwide Affinity Insurance Company of America


LOULoss of Use



Indicated Change

Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change6.3% 0.0% 25.10 26.70 6.4% 6.4%

Exhibit XVII

© 2017 Nationwide

Pennsylvania Private Passenger AutomobileNationwide Property and Casualty Insurance Company


LOULoss of Use



Indicated Change

Internal Change

Current Rate

Revised Rate

Base Rate

ChangeTotal

Change6.3% 0.0% 20.90 22.20 6.2% 6.2%

Exhibit XVIII

© 2017 Nationwide

Pennsylvania Personal Automobile

Rate Change Histograms for All Filed ChangesAll Coverages Combined

Nationwide Mutual Insurance Company

COMMONWEALTH OF PENNSYLVANIA INSURANCE DEPARTMENT Office of Insurance Product Regulation 1311 Strawberry Square Harrisburg, PA 17120

Fax (717) 787-8555 Telephone (717) 787-4192

PENNSYLVANIA RETALIATORY FILING FEE FORM

PLEASE TYPE OR PRINTCOMPLETE ALL NECESSARY INFORMATION

CHECK INFORMATION

COMPANY NAME ON CHECK _____________________________ CHECK # ________ COMPANY NAIC # __________ CHECK AMOUNT __________ DATE CHECK MAILED ___________ CHECK DATE ___________

FILING INFORMATION

COMPANY FILING # ______________________ FILER PHONE # ______________ SERFF TRACKING # ____________________________ CREATOR OF SERFF FILING ______________________ DATE SERFF FILING SUBMITTED _________

TYPE OF FILING: A&H LIFE P&C

All checks with attached form should be mailed to the above address.

NWPC-131024406

5/10/17

lsabatino/Teresa Herderick

✔

Via EFT NA

23787 $50.00

Via EFT Via EFT

17A-11933PA-RRE(NMIC, NAICOA, NPCIC) 614-249-3965


Fax (717) 787-8555 Telephone (717) 787-4192



CHECK INFORMATION


FILING INFORMATION




NWPC-131024406

05/10/2017


✔

Via EFT NA

26093 $50.00

Via EFT Via EFT

17A-11933PA-RRE (NMIC, NAICAO, NPCIC) 614-249-3965


Fax (717) 787-8555 Telephone (717) 787-4192



CHECK INFORMATION


FILING INFORMATION




NWPC-131024406

5/10/17


✔

Via EFT NA

37877 $50.00

Via EFT Via EFT

17A-11933PA-RRE(NMIC, NAICOA, NPCIC) 614-249-3965

© 2017 Nationwide

1

SUPPLEMENTAL DATA MEMORANDUM Pennsylvania Private Passenger Automobile

Nationwide Mutual Insurance Company Per Pa.B. Doc. No. 13-1417, we are providing the following information: 1. Summary Exhibit of Proposed Changes

Please refer to Exhibits XI, XII and XV of the Filing Exhibits for a summary of proposed changes by coverage and territory.

2. Histograms

Exhibit XVIII of the Filing Exhibits show the histogram resulting from this rate change. Our last filing for the Nationwide Mutual Insurance Company was effective 12-22-16. Therefore, the annual histogram equals the histogram shown in Exhibit XVIII of the Filing Exhibits.

3. Rate History Please see the attached Rate History exhibit for a rate history over the past 6 years.

4. Premium and Exposure Data

Please see the attached Prem and Exp Data exhibit for premium and exposure data for each of the 5 most recent accident years.

5. Expense Exhibit

The attached Expense Exhibit displays expense information for each of the 3 most recent calendar years.

6. Loss Development Data

Please see the attached Loss Development exhibit for loss development data over the past 5 accident years.

7. Loss Development Considerations

Loss Development is analyzed separately by coverage. The ultimate loss estimates for the injury coverages rely on incurred loss development instead of paid or settled loss development due to the frequency of changes in the settlement rate for injury claims. We have adjusted Bodily Injury, Uninsured Motorists-Bodily Injury and Underinsured Motorists-Bodily Injury coverages’ ultimate losses by removing large losses over $500,000, developing the remaining losses to ultimate and then adding the large losses back into the estimated ultimate losses.

8. Ratemaking Considerations Regarding considerations that may have a substantive impact on the analysis, the combined impact of changes in mix of business is provided in the premium trend analysis displayed in original filing, Exhibit II. The major determinants of the mix of business trends are matrix factors, model year factors, deductible factors, rate symbols, and passive restraint device discounts

Rate HistoryPage 1

© 2017 Nationwide

PENNSYLVANIA INSURANCE DEPARTMENTRATE HISTORY

NATIONWIDE MUTUAL INSURNACE COMPANY

Most Recent Rate Change 2016 1ST Prior Rate Change 2016 2ND Prior Rate Change 2016Effective Date: 12/22/16 Effective Date: 06/22/16 Effective Date:

Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $3,247,500 6.4% $4,559,300 9.3%Property Damage $4,135,900 7.6% $5,985,100 11.7%First Party Benefits $713,700 2.6% $1,091,000 3.8%Uninsured Motorists $384,700 8.7% -$81,300 -1.7%Underinsured Motorists $993,100 5.2% -$549,800 -2.7%Comprehensive $1,109,500 3.3% $1,494,100 4.5%Collision -$960,300 -1.2% $3,878,900 4.8%All Coverages Combined $9,624,100 3.6% $16,377,300 6.1%

Most Recent Rate Change 2015 1ST Prior Rate Change 2015 2ND Prior Rate Change 2015Effective Date: Effective Date: Effective Date:

Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily InjuryProperty DamageFirst Party BenefitsUninsured MotoristsUnderinsured Motorists ComprehensiveCollisionAll Coverages Combined


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $0 0.0% $0 0.0%Property Damage $3,446,782 5.6% $0 0.0%First Party Benefits $669,117 1.9% $0 0.0%Uninsured Motorists $0 0.0% $0 0.0%Underinsured Motorists $0 0.0% $0 0.0%Comprehensive $362,035 0.9% $0 0.0%Collision $2,711,757 2.9% $0 0.0%All Coverages Combined $7,189,691 2.2% $0 0.0%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $0 0.0% $1,239,136 1.6%Property Damage $0 0.0% $3,433,882 4.7%First Party Benefits $0 0.0% -$1,626,442 -3.5%Uninsured Motorists $0 0.0% $209,623 2.8%Underinsured Motorists $0 0.0% $1,178,843 3.9%Comprehensive $0 0.0% $5,673,634 12.8%Collision $0 0.0% -$4,358,715 -3.9%All Coverages Combined $0 0.0% $5,749,961 1.5%

Rate HistoryPage 2

© 2017 Nationwide


NATIONWIDE MUTUAL INSURNACE COMPANY


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $2,610,664 3.0% $7,661,712 9.1%Property Damage $3,962,028 5.0% $9,787,410 13.1%First Party Benefits $3,362,082 7.0% $4,110,905 8.2%Uninsured Motorists $0 0.0% -$1,246,060 -12.1%Underinsured Motorists -$697,140 -2.0% -$4,821,964 -11.6%Comprehensive $1,893,299 4.0% $2,293,862 4.7%Collision $2,442,408 2.0% -$4,204,937 -3.2%All Coverages Combined $13,573,340 3.2% $13,580,928 3.1%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily InjuryProperty DamageFirst Party Benefits Uninsured MotoristsUnderinsured Motorists ComprehensiveCollisionAll Coverages Combined

Prem and Exp DataPage 1

© 2017 Nationwide

PENNSYLVANIA INSURANCE DEPARTMENTPENNSYLVANIA PREMIUM AND EXPOSURE DATA

NATIONWIDE MUTUAL INSURANCE COMPANY

Accident Year Ending: 20163I. Percent of J. Percent of K. Percent of Premium

Premium Premium Earned on other than Earned Car Earned Premiums Earned Premiums Earned on an Earned on a an Annual or

Coverage Years at collected rate at current rate level Annual Policy Semi-Annual Policy Semi-Annual PolicyBodily Injury 231,922 42,392,508 48,290,788 0% 100% 0%Property Damage 231,935 44,111,232 51,898,690 0% 100% 0%First Party Benefits - All 655,212 24,445,040 25,662,783 0% 100% 0%Uninsured Motorists 211,747 4,047,270 4,338,485 0% 100% 0%Underinsured Motorists 209,947 17,214,301 17,683,498 0% 100% 0%Comprehensive 204,235 28,311,182 30,048,100 0% 100% 0%Collision 185,811 66,436,819 67,602,886 0% 100% 0%All Coverages Combined 1,930,809 226,958,352 245,525,230 0% 100% 0%











© 2017 Nationwide





Coverage Years at collected rate at current rate level Annual Policy Semi-Annual Policy Semi-Annual PolicyBodily Injury 401,699 68,785,338 88,850,290 0% 100% 0%Property Damage 401,746 61,897,640 93,273,794 0% 100% 0%First Party Benefits - All 1,117,077 40,680,870 48,363,182 0% 100% 0%Uninsured Motorists 362,980 7,953,282 7,927,563 0% 100% 0%Underinsured Motorists 359,398 32,060,069 30,465,330 0% 100% 0%Comprehensive 348,879 39,232,450 50,703,904 0% 100% 0%Collision 315,865 104,050,970 103,812,849 0% 100% 0%All Coverages Combined 3,307,645 354,660,618 423,396,911 0% 100% 0%

Expense Exhibit

© 2017 Nationwide

PENNSYLVANIA INSURANCE DEPARTMENTEXPENSE EXHIBIT


Countrywide Countrywide Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania PennsylvaniaC. Direct E. Dir. Other Acq, I. Direct Paid J. Direct Paid K. Direct Inc.

A.Direct Written B. Direct Earned A. Direct Written B. Direct Earned Commission D. Direct General Field Supervision & F. Taxes, Licenses G. Incurred Losses H. Paid Unallocated Loss Allocated Loss ALAE2016 Premium Premium Premium Premium and Brokerage Expenses Collection Expenses and Fees Excluding IBNR Losses Adj. Expenses Adj. Expenses Excluding IBNRBodily Injury 387,229,913 393,474,706 40,992,468 41,608,377 4,955,521 5,299,752 4,028,761 942,827 22,388,872 26,388,006 3,215,299 2,288,987 2,288,987Property Damage 286,004,844 288,787,782 43,181,503 43,531,554 5,220,150 5,544,711 4,214,974 993,175 24,951,031 25,003,626 3,363,913 66,676 66,676First Party Benefits - Medical Benefits 19,874,181 20,500,832 18,875,672 19,450,518 2,281,853 2,477,456 1,883,310 434,140 9,439,735 10,257,781 1,503,044 206,794 206,794First Party Benefits - Income Loss 2,721,640 2,799,775 2,605,215 2,678,427 314,941 341,157 259,341 59,920 897,409 888,780 206,976 9,895 9,895First Party Benefits - Accidental Death 448,371 460,912 423,137 434,599 51,152 55,356 42,080 9,732 199,620 140,000 33,584 0 0First Party Benefits - Funeral Benefits 134,838 139,774 133,428 138,299 16,130 17,615 13,391 3,069 64,223 74,593 10,687 0 0First Party Benefits - Combination Benefits 800,028 820,182 800,028 820,180 96,714 104,468 79,414 18,401 485,460 636,744 63,380 22,058 22,058First Party Benefits - EMB 177,969 181,846 177,813 181,673 21,496 23,140 17,591 4,090 1,391,503 871,657 14,039 357 357First Party Benefits - All 24,157,027 24,903,321 23,015,294 23,703,694 2,782,286 3,019,192 2,295,127 529,352 12,477,951 12,869,554 1,831,710 239,104 239,104Uninsured Motorists 78,328,887 79,868,612 3,743,122 3,895,653 452,501 496,198 377,199 86,092 1,764,970 1,486,430 301,038 112,784 112,784Underinsured Motorists 30,174,654 30,784,086 15,935,276 16,584,032 1,926,393 2,112,345 1,605,761 366,511 7,917,311 10,874,332 1,281,536 266,050 266,050Comprehensive 176,978,128 180,331,847 27,100,868 27,686,346 3,304,257 1,967,096 2,259,246 623,320 14,013,823 13,987,083 1,726,057 103,798 103,798Collision 411,510,006 416,887,139 64,288,630 65,349,953 7,838,352 4,643,069 5,332,651 1,478,638 31,728,711 31,837,014 4,074,130 123,118 123,118All Coverages Combined 1,394,383,460 1,415,037,492 218,257,160 222,359,610 26,479,459 23,082,363 20,113,718 5,019,915 115,242,668 122,446,045 15,793,683 3,200,518 3,200,518

C. Direct E. Direct Other Acq, I. Direct Paid J. Direct Paid K. Direct Inc.A.Direct Written B. Direct Earned A. Direct Written B. Direct Earned Commission D. Direct General Field Supervision & F. Taxes, Licenses G. Incurred Losses H. Paid Unallocated Loss Allocated Loss ALAE

2015 Premium Premium Premium Premium and Brokerage Expenses Collection Expenses and Fees Excluding IBNR Losses Adj. Expenses Adj. Expenses Excluding IBNRBodily Injury 418,515,281 430,513,768 44,949,208 46,669,107 5,778,167 6,812,331 3,880,035 1,033,832 25,361,024 30,684,076 3,730,630 2,188,619 2,188,619Property Damage 304,062,905 311,302,225 46,575,350 47,675,698 5,987,205 6,959,264 3,963,722 1,071,233 29,174,927 28,871,075 3,811,095 70,434 70,434First Party Benefits - Medical Benefits 22,656,278 23,482,563 21,431,646 22,190,694 2,755,012 3,239,195 1,844,918 492,928 10,963,135 12,106,414 1,773,877 317,020 317,020First Party Benefits - Income Loss 3,076,396 3,180,715 2,937,728 3,035,468 377,641 443,090 252,367 67,568 1,069,533 1,204,207 242,649 9,096 9,096First Party Benefits - Accidental Death 506,381 521,473 476,802 490,854 61,292 71,650 40,809 10,966 158,400 225,500 39,238 248 248First Party Benefits - Funeral Benefits 154,242 159,798 152,405 157,783 19,591 23,032 13,118 3,505 99,453 88,953 12,613 0 0First Party Benefits - Combination Benefits 882,300 905,296 880,923 902,971 113,242 131,807 75,072 20,261 462,967 726,076 72,182 12,709 12,709First Party Benefits - EMB 197,067 204,749 196,251 201,905 25,228 29,472 16,786 4,514 213,825 414,056 16,140 70 70First Party Benefits - All 27,472,665 28,454,594 26,075,756 26,979,676 3,352,007 3,938,247 2,243,070 599,742 12,967,313 14,765,206 2,156,698 339,142 339,142Uninsured Motorists 85,232,401 87,294,916 4,328,530 4,494,124 556,427 656,011 373,638 99,556 1,674,381 2,373,609 359,251 114,108 114,108Underinsured Motorists 32,379,872 33,249,261 18,346,756 18,975,075 2,358,453 2,769,809 1,577,574 421,975 8,935,055 11,457,305 1,516,828 490,502 490,502Comprehensive 192,023,512 196,941,682 29,878,480 30,742,335 3,723,353 3,464,580 2,654,292 687,205 15,955,007 16,029,363 2,385,539 53,848 53,848Collision 436,858,395 444,843,136 69,196,558 70,560,182 8,623,036 7,951,947 6,092,164 1,591,521 37,222,806 37,232,984 5,475,318 164,737 164,737All Coverages Combined 1,496,545,031 1,532,599,581 239,350,638 246,096,198 30,378,649 32,552,189 20,784,494 5,505,065 131,290,512 141,413,618 19,435,359 3,421,391 3,421,391


2014 Premium Premium Premium Premium and Brokerage Expenses Collection Expenses and Fees Excluding IBNR Losses Adj. Expenses Adj. Expenses Excluding IBNRBodily Injury 472,633,337 485,756,679 52,772,824 54,548,757 7,168,261 7,189,229 4,557,944 1,213,775 26,500,976 32,457,379 4,831,598 2,365,085 2,365,085Property Damage 335,238,037 343,752,741 51,441,772 53,028,891 6,987,461 6,988,919 4,430,948 1,183,161 32,127,307 30,167,846 4,696,977 63,327 63,327First Party Benefits - Medical Benefits 26,348,369 27,239,323 24,828,703 25,664,227 3,372,543 3,382,405 2,144,432 571,060 13,626,622 14,638,406 2,273,181 520,540 520,540First Party Benefits - Income Loss 3,542,881 3,664,209 3,373,951 3,487,635 458,292 459,651 291,417 77,601 1,134,587 1,459,874 308,914 11,957 11,957First Party Benefits - Accidental Death 570,308 588,473 535,321 551,523 72,714 72,688 46,084 12,312 178,500 140,000 48,851 2,301 2,301First Party Benefits - Funeral Benefits 178,859 185,806 176,428 183,269 23,965 24,154 15,313 4,058 53,599 51,229 16,233 0 0First Party Benefits - Combination Benefits 985,169 1,005,942 980,653 1,001,172 133,205 131,949 83,655 22,555 909,506 1,296,157 88,678 30,266 30,266First Party Benefits - EMB 249,928 265,358 221,311 228,251 30,061 30,082 19,072 5,090 672,031 476,669 20,217 5,908 5,908First Party Benefits - All 31,875,513 32,949,112 30,116,368 31,116,077 4,090,780 4,100,929 2,599,974 692,676 16,574,846 18,062,335 2,756,073 570,971 570,971Uninsured Motorists 93,578,066 95,538,330 5,086,549 5,267,191 690,918 694,187 440,112 116,991 1,904,047 2,616,372 466,536 194,839 194,839Underinsured Motorists 38,470,937 41,058,274 21,218,644 21,891,379 2,882,180 2,885,164 1,829,183 488,029 12,301,510 18,665,859 1,939,005 676,349 676,349Comprehensive 216,042,939 223,347,848 33,657,332 34,546,919 4,403,372 3,497,061 2,945,529 774,119 30,303,943 28,666,692 3,034,149 29,441 29,441Collision 471,556,048 480,182,287 75,439,982 77,225,660 9,869,775 7,817,277 6,584,391 1,735,120 44,911,134 41,373,836 6,782,490 198,206 198,206All Coverages Combined 1,659,394,876 1,702,585,271 269,733,470 277,624,874 36,092,748 33,172,767 23,388,083 6,203,870 164,623,762 172,010,320 24,506,829 4,098,217 4,098,217

Loss DevelopmentPage 1

© 2017 Nationwide

PENNSYLVANIA INSURANCE DEPARTMENT LOSS DEVELOPMENT

NATIONWIDE MUTUAL INSURANCE COMPANY BODILY INJURY

Accident A.Year Ended Earned9/30/2016 Exposures

2012 401,6992013 352,9972014 306,0382015 264,6542016 231,922

Accident B: Cumulative Reported ClaimsYear Ended9/30/2016 15 27 39 51 63

2012 4,678 4,729 4,748 4,748 4,7492013 3,958 3,993 4,004 4,0072014 2,532 2,574 2,5922015 1,732 1,7792016 1,572

Accident C: Cumulative Claims Closed With PaymentYear Ended9/30/2016 15 27 39 51 63

2012 1,185 1,694 1,942 2,006 2,0232013 959 1,351 1,591 1,6422014 688 1,036 1,2172015 649 9722016 555

Accident D: Cumulative Claims Closed Without PaymentYear Ended9/30/2016 15 27 39 51 63

2012 2,540 2,652 2,699 2,713 2,7172013 2,195 2,303 2,329 2,3402014 1,168 1,251 1,2802015 473 5512016 513


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY BODILY INJURY

Accident E: Cumulative Paid Losses (Excluding Loss Adjustment Expense)Year Ended9/30/2016 15 27 39 51 63

2012 8,628,253 22,297,070 31,364,095 34,420,220 35,272,8452013 6,442,051 17,825,146 26,421,260 29,659,5542014 4,436,975 15,048,668 21,470,6592015 4,730,452 15,138,8082016 3,661,687

Accident F: Cumulative Paid Allocated Loss Adjustment ExpenseYear Ended9/30/2016 15 27 39 51 63

2012 90,702 538,650 1,350,826 1,924,883 2,080,5162013 97,934 464,851 1,339,316 1,937,0632014 55,693 386,276 1,238,0642015 56,646 390,4862016 85,013

Accident G: Incurred Losses on a Case, Formula or Reported Basis,Year Ended i.e. Excluding IBNR and/or Bulk Reserves and Loss Adjustment Expenses9/30/2016 15 27 39 51 63

2012 33,603,172 35,202,994 36,100,758 36,019,350 35,807,4692013 25,850,702 28,948,201 31,074,279 31,332,8122014 22,287,206 24,568,433 25,781,5262015 21,372,423 24,586,6342016 16,608,372

Accident H: Incurred ALAE on a Case, Formula or Reported Basis: Year Ended i.e., Excluding IBNR and/or Bulk Reserves9/30/2016 15 27 39 51 63

2012 90,702 538,650 1,350,826 1,924,883 2,080,5162013 97,934 464,851 1,339,316 1,937,0632014 55,693 386,276 1,238,0642015 56,646 390,4862016 85,013


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY PROPERTY DAMAGE


2012 401,7462013 353,0402014 306,0542015 264,6762016 231,935


2012 13,474 13,796 13,832 13,833 13,8352013 11,441 11,771 11,797 11,7982014 13,353 13,468 13,4822015 14,664 14,7402016 12,613


2012 13,474 13,796 13,831 13,832 13,8342013 11,439 11,754 11,781 11,7822014 8,726 8,878 8,8892015 6,638 6,7372016 5,965


2012 0 0 1 1 12013 1 16 16 162014 4,554 4,621 4,6292015 7,937 7,9992016 6,580


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY PROPERTY DAMAGE


2012 36,954,060 39,534,529 39,822,780 39,929,268 39,942,2902013 32,817,119 35,238,214 35,681,818 35,718,4202014 27,967,700 30,327,797 30,502,2322015 26,042,006 28,136,8622016 23,516,430


2012 68,594 105,656 116,259 124,674 124,7612013 42,937 59,958 85,303 88,0062014 22,142 42,035 46,9712015 11,854 46,6612016 22,769


2012 36,954,060 39,534,529 39,822,780 39,929,268 39,942,2902013 32,818,759 35,239,854 35,681,818 35,718,4202014 28,298,090 30,476,177 30,635,2922015 26,482,407 28,411,8452016 23,879,987


2012 68,594 105,656 116,259 124,674 124,7612013 42,937 59,958 85,303 88,0062014 22,142 42,035 46,9712015 11,854 46,6612016 22,769


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY FIRST PARTY BENEFITS


2012 1,117,0772013 986,0492014 858,3602015 745,0352016 655,212


2012 8,425 8,510 8,527 8,529 8,5332013 6,880 6,946 6,955 6,9672014 5,709 5,771 5,7832015 4,977 5,0402016 4,299


2012 4,502 5,597 5,690 5,712 5,7202013 3,772 4,546 4,621 4,6492014 3,045 3,692 3,7492015 2,630 3,2202016 2,249


2012 2,688 2,793 2,802 2,804 2,8072013 2,229 2,289 2,299 2,3052014 1,935 2,010 2,0152015 1,690 1,7512016 1,511


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY FIRST PARTY BENEFITS


2012 20,414,738 23,316,732 23,989,486 24,279,521 24,368,7622013 15,583,846 17,845,180 18,392,673 18,604,6972014 14,616,219 16,778,038 17,293,6732015 10,711,748 12,103,7982016 11,116,933


2012 118,954 283,864 407,696 460,892 474,2542013 82,979 244,472 321,237 361,9602014 84,727 186,886 223,2942015 50,396 117,0662016 45,139


2012 24,019,358 24,283,482 24,534,939 24,584,251 24,597,6472013 18,416,628 18,555,616 18,738,544 18,779,2572014 16,923,943 17,369,078 17,624,9232015 12,389,301 12,411,5042016 13,166,386


2012 118,954 283,864 407,696 460,892 474,2542013 82,979 244,472 321,237 361,9602014 84,727 186,886 223,2942015 50,396 117,0662016 45,139


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY COMPREHENSIVE


2012 348,8792013 308,3782014 268,1232015 232,2892016 204,235


2012 19,186 19,394 19,414 19,418 19,4182013 15,656 15,822 15,837 15,8392014 17,368 17,513 17,5212015 13,052 13,1602016 10,203


2012 19,186 19,394 19,409 19,413 19,4132013 15,655 15,804 15,815 15,8162014 15,435 15,569 15,5752015 11,997 12,0902016 9,371


2012 0 0 2 3 32013 0 18 22 232014 642 684 6902015 893 9112016 788


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY COMPREHENSIVE


2012 22,324,969 22,463,911 22,433,324 22,427,005 22,422,8802013 19,524,734 19,670,907 19,684,955 19,681,5872014 18,799,693 18,969,589 18,943,0652015 15,500,658 15,506,8152016 13,699,329


2012 19,201 26,598 27,094 27,223 27,2232013 21,570 27,936 32,992 36,7432014 13,029 18,941 18,9582015 27,629 32,1422016 91,126


2012 22,324,969 22,463,911 22,437,339 22,429,820 22,425,6952013 19,524,734 19,670,907 19,684,955 19,681,5872014 22,279,023 22,394,204 22,362,3802015 15,709,381 15,689,4822016 13,833,263


2012 19,201 26,598 27,094 27,223 27,2232013 21,570 27,936 32,992 36,7432014 13,029 18,941 18,9582015 27,629 32,1422016 91,126


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY COLLISION


2012 315,8652013 279,1452014 243,1622015 211,0452016 185,811


2012 19,969 20,141 20,167 20,172 20,1732013 17,769 17,970 17,984 17,9932014 20,415 20,529 20,5412015 20,809 20,8892016 17,536


2012 19,969 20,141 20,167 20,172 20,1732013 17,767 17,943 17,955 17,9642014 15,670 15,788 15,7982015 13,448 13,5282016 11,194


2012 0 0 0 0 02013 1 26 28 282014 4,641 4,746 4,7542015 7,283 7,3562016 6,298


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY COLLISION


2012 53,306,292 52,428,080 52,351,871 52,345,257 52,346,5302013 49,558,848 48,470,866 48,359,564 48,349,7472014 43,700,776 42,719,743 42,656,3922015 39,771,862 38,813,8982016 33,209,341


2012 82,150 141,592 172,202 183,208 183,8842013 72,698 170,764 201,759 205,4172014 54,357 119,387 137,3412015 50,570 97,2932016 50,336


2012 53,306,292 52,428,080 52,351,871 52,345,257 52,346,5302013 49,561,248 48,473,266 48,361,964 48,352,1472014 44,105,300 42,865,366 42,787,6152015 40,180,967 39,043,9102016 33,551,345


2012 82,150 141,592 172,202 183,208 183,8842013 72,698 170,764 201,759 205,4172014 54,357 119,387 137,3412015 50,570 97,2932016 50,336


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY UNINSURED MOTORISTS


2012 362,9802013 320,1832014 278,3192015 241,1572016 211,747


2012 286 302 306 310 3102013 217 222 227 2292014 117 131 1392015 75 852016 74


2012 94 135 156 165 1662013 67 104 115 1202014 37 74 892015 30 562016 19


2012 119 134 137 140 1412013 94 99 103 1032014 29 36 412015 9 162016 21


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANY UNINSURED MOTORISTS


2012 744,058 1,381,576 1,806,073 2,138,101 2,187,3012013 827,588 1,730,015 2,269,221 2,382,1492014 269,739 1,137,242 1,439,4362015 252,248 843,3802016 396,550


2012 12,647 50,279 109,400 133,835 168,0632013 5,876 20,572 48,068 50,3892014 501 20,423 69,6502015 363 15,9542016 2,415


2012 1,863,312 2,131,581 2,114,074 2,188,602 2,386,8032013 2,157,851 2,742,016 2,851,221 2,848,1492014 1,257,575 1,774,243 1,992,4362015 933,959 1,278,3802016 963,550


2012 12,647 50,279 109,400 133,835 168,0632013 5,876 20,572 48,068 50,3892014 501 20,423 69,6502015 363 15,9542016 2,415


© 2017 Nationwide

PENNSYLVANIA INSURANCE DEPARTMENTLOSS DEVELOPMENT

NATIONWIDE MUTUAL INSURANCE COMPANYUNDERINSURED MOTORISTS


2012 359,3982013 317,0922014 275,7832015 239,0332016 209,947


2012 226 341 419 451 4602013 160 249 298 3122014 134 221 2722015 113 1812016 91


2012 71 195 264 309 3382013 42 134 202 2292014 40 104 1742015 35 932016 26


2012 37 59 84 100 1042013 28 50 63 662014 21 44 612015 25 432016 11


© 2017 Nationwide


NATIONWIDE MUTUAL INSURANCE COMPANYUNDERINSURED MOTORISTS


2012 3,483,800 8,245,300 11,314,112 12,867,580 14,062,1822013 1,445,971 6,963,510 10,082,432 10,990,6512014 2,622,400 5,783,842 9,468,7942015 1,551,166 4,052,2182016 1,110,000


2012 4,596 51,051 227,170 361,546 412,2302013 8,034 52,170 137,766 186,8842014 10,490 25,357 88,5862015 2,927 35,7262016 6,299


2012 9,726,359 12,105,838 14,043,637 14,347,597 14,882,6922013 6,398,513 10,468,043 11,159,447 11,640,1582014 6,687,426 10,090,661 10,619,8002015 4,324,168 6,385,0372016 3,498,500


2012 4,596 51,051 227,170 361,546 412,2302013 8,034 52,170 137,766 186,8842014 10,490 25,357 88,5862015 2,927 35,7262016 6,299

© 2017 Nationwide

1


Nationwide Affinity Insurance Company of America Per Pa.B. Doc. No. 13-1417, we are providing the following information: 1. Summary Exhibit of Proposed Changes

Please refer to Exhibits XIII and XVI of the Filing Exhibits for a summary of proposed changes by coverage and territory.

2. Histograms

Exhibit XIX of the Filing Exhibits show the histogram resulting from this rate change. Please see the attached Annual Histogram exhibit for the cumulative rate change histograms for all filed changes over one year.




5. Expense Exhibit





Loss Development is analyzed separately by coverage. The ultimate loss estimates for the injury coverages rely on incurred loss development instead of paid or settled loss development due to the frequency of changes in the settlement rate for injury claims. We have adjusted Bodily Injury, Uninsured Motorists-Bodily Injury and Underinsured Motorists-Bodily Injury coverages’ ultimate losses by removing large losses over $500,000, developing the remaining losses to ultimate and then adding the large losses back into the estimated ultimate losses.


Annual Histograms

© 2017, Nationwide

Pennsylvania Personal AutomobileNationwide Affinity Insurance Company of America

Cumulative Rate Change Histograms for All Filed Changes Over One YearAll Coverages Combined

Rate HistoryPage 1

© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA

Most Recent Rate Change 2017 1ST Prior Rate Change 2017 2ND Prior Rate Change 2017Effective Date: 06/22/17 Effective Date: Effective Date:

Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $5,702,900 10.6%Property Damage $3,012,500 6.0%First Party Benefits $1,224,600 5.7%Uninsured Motorists $57,400 1.4%Underinsured Motorists $2,827,600 15.8%Comprehensive $1,708,700 6.2%Collision $207,900 0.3%All Coverages Combined $14,741,600 6.0%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $5,406,200 9.6% $5,210,300 9.3%Property Damage $2,773,200 5.1% $6,126,900 11.7%First Party Benefits $900,300 3.8% $968,000 3.8%Uninsured Motorists $311,000 7.2% -$83,100 -1.7%Underinsured Motorists $2,543,200 14.5% -$535,500 -2.7%Comprehensive $636,600 2.1% $1,388,800 4.5%Collision $537,900 0.7% $3,874,400 4.8%All Coverages Combined $13,108,400 5.0% $16,949,800 6.3%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $3,215,000 5.0% $5,916,000 9.7%Property Damage $3,071,500 5.0% $3,655,600 6.2%First Party Benefits $1,553,398 5.0% $0 0.0%Uninsured Motorists $0 0.0% $0 0.0%Underinsured Motorists $0 0.0% $786,600 3.6%Comprehensive $1,676,400 5.0% $2,919,000 9.0%Collision $4,476,300 5.0% $5,105,100 5.9%All Coverages Combined $13,992,598 4.4% $18,382,300 6.2%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $4,644,787 7.0% $0 0.0%Property Damage $4,531,243 7.1% $0 0.0%First Party Benefits $1,995,392 6.0% $0 0.0%Uninsured Motorists $0 0.0% $0 0.0%Underinsured Motorists $0 0.0% $0 0.0%Comprehensive $1,178,383 3.3% $0 0.0%Collision $3,758,853 4.0% $0 0.0%All Coverages Combined $16,108,658 4.8% $0 0.0%

Rate HistoryPage 2

© 2017 Nationwide




Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $0 0.0% $2,668,821 4.0%Property Damage $0 0.0% $2,441,168 4.0%First Party Benefits $0 0.0% $2,003,090 6.0%Uninsured Motorists $0 0.0% $0 0.0%Underinsured Motorists $0 0.0% $0 0.0%Comprehensive $0 0.0% $1,607,661 5.0%Collision $0 0.0% $858,524 1.0%All Coverages Combined $0 0.0% $9,579,264 3.1%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $1,743,323 3.0% $4,717,326 10.0%Property Damage $3,610,074 7.0% $4,146,377 10.0%First Party Benefits $1,966,368 7.0% $2,282,662 10.0%Uninsured Motorists $0 0.0% $219,672 3.9%Underinsured Motorists -$449,500 -2.0% $0 0.0%Comprehensive $1,068,579 4.0% $1,731,893 8.0%Collision $1,454,084 2.0% $4,165,883 7.0%All Coverages Combined $9,392,929 3.5% $17,263,811 7.9%

Expense Exhibit

© 2017 Nationwide




A.Direct Written B. Direct Earned A. Direct Written B. Direct Earned Commission D. Direct General Field Supervision & F. Taxes, Licenses G. Incurred Losses H. Paid Unallocated Loss Allocated Loss ALAE2016 Premium Premium Premium Premium and Brokerage Expenses Collection Expenses and Fees Excluding IBNR Losses Adj. Expenses Adj. Expenses Excluding IBNRBodily Injury 232,212,614 231,190,866 37,573,530 38,851,398 4,123,506 2,765,336 3,376,601 864,191 24,702,772 33,095,360 4,001,136 3,515,495 3,515,495Property Damage 178,576,401 177,448,808 35,715,352 36,970,422 3,919,581 2,631,453 3,213,124 821,453 24,312,986 24,820,665 3,807,422 89,564 89,564First Party Benefits - Medical Benefits 14,190,535 15,259,773 14,190,485 15,259,645 1,557,334 1,086,140 1,326,226 326,381 8,737,313 9,988,558 1,571,524 306,576 306,576First Party Benefits - Income Loss 1,517,513 1,619,763 1,517,489 1,619,739 166,537 115,289 140,773 34,902 724,713 731,200 166,810 9,496 9,496First Party Benefits - Accidental Death 253,986 272,073 253,986 272,073 27,874 19,365 23,646 5,842 85,380 134,150 28,020 0 0First Party Benefits - Funeral Benefits 95,337 101,767 95,336 101,766 10,463 7,243 8,845 2,193 41,308 41,221 10,480 0 0First Party Benefits - Combination Benefits 524,544 554,215 524,544 554,211 57,566 39,447 48,167 12,065 338,995 501,784 57,076 15,205 15,205First Party Benefits - EMB 139,139 146,566 139,139 146,565 15,270 10,432 12,738 3,200 35,746 91,429 15,094 126 126First Party Benefits - All 16,721,053 17,954,156 16,720,979 17,953,999 1,835,043 1,277,916 1,560,394 384,583 9,963,454 11,488,342 1,849,004 331,403 331,403Uninsured Motorists 45,122,059 44,880,569 3,074,346 3,333,734 337,394 237,286 289,737 70,710 2,332,587 1,912,929 343,327 148,248 148,248Underinsured Motorists 24,043,687 24,497,627 12,394,448 13,255,751 1,360,228 943,508 1,152,066 285,072 12,556,771 13,308,386 1,365,152 447,837 447,837Comprehensive 100,332,741 101,340,758 20,611,002 21,446,282 2,278,848 1,517,974 1,902,948 474,053 12,886,853 13,181,952 1,630,489 100,339 100,339Collision 245,864,097 246,442,478 52,402,043 54,785,719 5,793,813 3,877,749 4,861,185 1,205,247 32,024,999 31,946,094 4,165,175 163,238 163,238All Coverages Combined 842,872,653 843,755,262 178,491,700 186,597,305 19,648,414 13,251,223 16,356,054 4,105,309 118,780,422 129,753,729 17,161,705 4,796,123 4,796,123


2015 Premium Premium Premium Premium and Brokerage Expenses Collection Expenses and Fees Excluding IBNR Losses Adj. Expenses Adj. Expenses Excluding IBNRBodily Injury 226,525,769 225,615,677 43,266,142 44,999,189 4,811,082 4,069,748 4,460,695 995,121 31,800,219 41,389,115 4,057,369 4,060,497 4,060,497Property Damage 174,659,192 174,243,676 41,603,149 43,172,747 4,626,162 3,904,564 4,279,643 956,872 32,264,329 32,396,701 3,892,687 96,212 96,212First Party Benefits - Medical Benefits 18,604,513 19,492,756 18,588,755 19,466,790 2,067,021 1,760,586 1,929,710 427,541 12,845,420 13,177,281 1,755,230 467,739 467,739First Party Benefits - Income Loss 1,930,158 2,003,492 1,928,389 2,000,163 214,432 180,896 198,273 44,353 955,970 1,165,779 180,345 4,696 4,696First Party Benefits - Accidental Death 324,627 335,760 324,389 335,372 36,071 30,331 33,245 7,461 185,770 160,000 30,239 0 0First Party Benefits - Funeral Benefits 121,365 126,023 121,202 125,705 13,477 11,369 12,461 2,788 59,267 60,767 11,334 22 22First Party Benefits - Combination Benefits 645,247 666,284 644,584 665,327 71,676 60,172 65,953 14,825 623,409 615,147 59,989 16,404 16,404First Party Benefits - EMB 172,519 178,552 172,351 178,284 19,165 16,124 17,673 3,964 270,538 110,732 16,075 994 994First Party Benefits - All 21,798,428 22,802,867 21,779,670 22,771,640 2,421,842 2,059,478 2,257,315 500,932 14,940,374 15,289,706 2,053,214 489,855 489,855Uninsured Motorists 43,586,722 43,264,075 4,160,694 4,442,310 462,658 401,765 440,359 95,696 1,470,627 2,811,742 400,543 199,009 199,009Underinsured Motorists 25,496,533 25,939,884 15,916,339 16,893,810 1,769,855 1,527,884 1,674,655 366,076 12,038,952 13,065,534 1,523,237 575,191 575,191Comprehensive 101,192,889 100,431,967 23,727,100 24,595,460 2,636,428 2,234,455 2,237,471 545,723 16,869,252 17,139,471 2,181,149 67,936 67,936Collision 243,880,033 241,782,536 61,515,684 63,670,348 6,835,293 5,784,340 5,792,148 1,414,861 42,823,228 43,406,433 5,646,347 253,427 253,427All Coverages Combined 837,139,567 834,080,682 211,968,777 220,545,504 23,563,321 19,982,233 21,142,285 4,875,282 152,206,982 165,498,702 19,754,545 5,742,127 5,742,127


2014 Premium Premium Premium Premium and Brokerage Expenses Collection Expenses and Fees Excluding IBNR Losses Adj. Expenses Adj. Expenses Excluding IBNRBodily Injury 221,404,343 217,769,855 52,002,937 54,410,271 5,977,647 4,381,207 4,751,075 1,196,068 37,556,152 44,831,047 3,588,946 3,380,711 3,380,711Property Damage 173,164,466 171,222,702 49,370,675 51,292,850 5,675,073 4,130,187 4,478,864 1,135,526 38,858,250 36,881,241 3,383,318 123,185 123,185First Party Benefits - Medical Benefits 22,862,551 23,797,164 22,813,392 23,746,173 2,622,359 1,912,082 2,073,503 524,708 15,006,139 16,981,673 1,566,317 575,441 575,441First Party Benefits - Income Loss 2,293,686 2,366,289 2,287,170 2,359,622 262,906 190,001 206,041 52,605 1,639,477 1,751,119 155,643 6,397 6,397First Party Benefits - Accidental Death 378,175 391,022 377,458 390,270 43,388 31,425 34,078 8,682 137,973 172,173 25,743 0 0First Party Benefits - Funeral Benefits 145,430 151,626 144,788 150,989 16,643 12,158 13,184 3,330 69,533 68,293 9,959 0 0First Party Benefits - Combination Benefits 760,635 779,915 758,503 777,466 87,189 62,603 67,888 17,446 649,738 661,717 51,282 27,359 27,359First Party Benefits - EMB 202,037 207,211 201,527 206,674 23,165 16,642 18,047 4,635 751,390 328,478 13,632 1 1First Party Benefits - All 26,642,513 27,693,226 26,582,837 27,631,196 3,055,651 2,224,911 2,412,741 611,405 18,254,249 19,963,453 1,822,576 609,198 609,198Uninsured Motorists 42,335,963 41,325,173 5,427,568 5,711,000 623,889 459,859 498,681 124,834 3,689,593 4,162,022 376,702 290,094 290,094Underinsured Motorists 27,233,132 27,592,781 20,336,479 21,282,663 2,337,643 1,713,716 1,858,390 467,739 12,004,931 12,206,679 1,403,822 282,072 282,072Comprehensive 98,144,541 97,239,497 27,988,003 29,017,604 3,237,488 2,342,343 2,238,154 643,724 31,856,000 30,669,822 2,130,179 34,510 34,510Collision 235,421,411 231,595,567 72,235,851 75,359,948 8,355,819 6,083,163 5,812,582 1,661,425 57,924,637 54,368,855 5,532,165 334,355 334,355All Coverages Combined 824,346,370 814,438,802 253,944,349 264,705,531 29,263,209 21,335,386 22,050,488 5,840,720 200,143,812 203,083,119 18,237,709 5,054,125 5,054,125


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA BODILY INJURY


2012 354,1932013 363,6802014 302,9362015 241,1782016 188,234


2012 6,361 6,450 6,475 6,479 6,4792013 5,886 5,965 5,987 5,9932014 3,571 3,643 3,6772015 2,164 2,2202016 1,809


2012 1,489 2,235 2,655 2,756 2,7902013 1,353 2,027 2,387 2,4842014 919 1,427 1,6922015 798 1,1812016 604


2012 3,413 3,598 3,658 3,667 3,6712013 3,252 3,406 3,457 3,4732014 1,688 1,807 1,8542015 573 6782016 584


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA BODILY INJURY


2012 9,393,150 30,285,118 44,721,249 50,088,581 51,845,1402013 9,735,401 26,856,761 40,517,189 45,763,7122014 6,301,441 20,815,408 30,452,9902015 5,041,480 14,834,5402016 5,656,039


2012 165,322 980,360 2,442,528 3,560,235 3,878,5152013 168,681 879,438 2,686,997 3,743,5592014 129,880 836,524 2,197,8702015 64,566 526,3962016 88,259


2012 45,132,704 50,056,973 52,846,472 53,051,649 52,845,9672013 39,931,585 44,656,180 47,680,613 47,513,6052014 30,830,987 34,638,695 36,741,6532015 23,229,738 26,232,4612016 21,608,559


2012 165,322 980,360 2,442,528 3,560,235 3,878,5152013 168,681 879,438 2,686,997 3,743,5592014 129,880 836,524 2,197,8702015 64,566 526,3962016 88,259


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA PROPERTY DAMAGE


2012 354,3132013 363,7682014 302,9602015 241,2392016 188,259


2012 15,141 15,617 15,659 15,668 15,6692013 14,733 15,199 15,247 15,2532014 16,692 16,843 16,8572015 16,606 16,6822016 12,528


2012 15,141 15,617 15,658 15,667 15,6682013 14,729 15,174 15,219 15,2252014 10,681 10,882 10,8952015 7,252 7,3492016 5,645


2012 0 0 1 1 12013 3 24 28 282014 5,885 5,983 5,9962015 9,224 9,3272016 6,789


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA PROPERTY DAMAGE


2012 44,182,446 47,882,922 48,170,849 48,236,631 48,245,0112013 44,130,548 47,458,573 47,848,207 47,923,2212014 34,369,019 37,691,798 37,954,8732015 29,054,012 31,323,3262016 23,484,966


2012 73,486 111,364 123,438 128,717 131,7332013 45,401 85,199 115,665 122,7392014 41,956 77,966 109,1962015 22,515 56,5852016 14,297


2012 44,182,446 47,882,922 48,170,849 48,236,631 48,245,0112013 44,132,188 47,460,213 47,848,207 47,923,2212014 34,981,237 38,013,718 38,156,6862015 29,565,475 31,612,2942016 23,887,689


2012 73,486 111,364 123,438 128,717 131,7332013 45,401 85,199 115,665 122,7392014 41,956 77,966 109,1962015 22,515 56,5852016 14,297


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA FIRST PARTY BENEFITS


2012 932,8102013 963,9992014 811,1902015 651,5082016 512,434


2012 11,386 11,535 11,553 11,564 11,5652013 10,668 10,770 10,787 10,7922014 7,830 7,902 7,9222015 6,228 6,3062016 4,680


2012 6,017 7,689 7,797 7,828 7,8332013 5,815 7,098 7,184 7,2062014 4,249 5,187 5,2582015 3,360 4,1182016 2,474


2012 3,530 3,702 3,719 3,725 3,7252013 3,441 3,555 3,569 3,5752014 2,550 2,638 2,6502015 2,039 2,1132016 1,632


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA FIRST PARTY BENEFITS


2012 23,524,740 27,423,864 28,010,276 28,275,103 28,362,8542013 21,731,203 25,069,742 25,587,189 25,813,1522014 16,147,832 18,715,990 19,147,6162015 12,089,174 14,102,7542016 9,058,786


2012 227,946 465,294 608,346 711,511 730,3542013 157,033 388,769 480,669 525,3672014 110,786 259,230 319,3012015 83,910 195,9552016 56,861


2012 27,950,361 28,292,764 28,542,858 28,556,207 28,473,5892013 25,628,328 25,951,981 26,274,165 26,267,9372014 18,876,166 19,729,229 19,921,4792015 14,480,079 14,566,2472016 10,741,792


2012 227,946 465,294 608,346 711,511 730,3542013 157,033 388,769 480,669 525,3672014 110,786 259,230 319,3012015 83,910 195,9552016 56,861


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA COMPREHENSIVE


2012 288,5752013 299,8192014 252,8332015 203,2742016 159,728


2012 18,976 19,142 19,146 19,150 19,1512013 18,118 18,287 18,303 18,3072014 19,374 19,520 19,5342015 13,842 13,9572016 9,540


2012 18,976 19,142 19,145 19,148 19,1492013 18,115 18,268 18,281 18,2852014 17,319 17,456 17,4692015 12,474 12,5692016 8,586


2012 0 0 1 2 22013 3 19 21 222014 967 1,004 1,0062015 1,221 1,2482016 902


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA COMPREHENSIVE


2012 24,789,551 25,018,812 24,983,485 24,985,705 24,984,4112013 24,939,726 25,183,383 25,218,732 25,237,7002014 21,566,839 21,762,181 21,804,2972015 16,868,749 16,962,3702016 13,828,731


2012 30,003 44,511 46,482 46,655 46,6552013 59,622 79,081 113,008 124,7992014 10,662 14,978 15,0052015 19,053 24,4082016 82,614


2012 24,789,551 25,018,812 24,983,485 24,985,705 24,984,4112013 24,939,726 25,183,383 25,218,982 25,237,7002014 24,455,147 24,613,532 24,654,2072015 17,068,401 17,139,4602016 13,927,625


2012 30,003 44,511 46,482 46,655 46,6552013 59,622 79,081 113,008 124,7992014 10,662 14,978 15,0052015 19,053 24,4082016 82,614


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA COLLISION


2012 267,4032013 277,4822014 233,9922015 188,0832016 147,546


2012 23,051 23,254 23,276 23,280 23,2802013 23,503 23,729 23,755 23,7582014 25,545 25,684 25,6952015 23,360 23,4542016 17,035


2012 23,051 23,254 23,273 23,277 23,2772013 23,496 23,700 23,723 23,7262014 19,880 20,019 20,0292015 15,176 15,2452016 10,812


2012 0 0 2 3 32013 5 28 31 322014 5,567 5,678 5,6852015 8,122 8,2012016 6,179


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA COLLISION


2012 67,197,210 65,957,718 65,864,620 65,834,529 65,820,4042013 69,818,086 68,300,290 68,181,250 68,157,8412014 59,515,081 58,050,537 57,900,2982015 47,236,088 45,708,4292016 35,079,777


2012 111,251 220,408 271,515 288,852 291,3032013 123,352 299,246 358,281 373,2672014 89,137 186,304 210,9272015 72,705 139,0362016 51,777


2012 67,197,210 65,957,718 65,867,020 65,834,529 65,820,4042013 69,822,886 68,302,690 68,183,850 68,157,8412014 60,028,627 58,310,145 58,145,5062015 47,715,900 46,050,5002016 35,475,633


2012 111,251 220,408 271,515 288,852 291,3032013 123,352 299,246 358,281 373,2672014 89,137 186,304 210,9272015 72,705 139,0362016 51,777


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA UNINSURED MOTORISTS


2012 314,7772013 325,1382014 272,4492015 217,9162016 170,727


2012 497 520 538 543 5432013 330 354 363 3652014 207 237 2442015 115 1372016 85


2012 159 231 274 280 2832013 94 154 177 1832014 82 130 1452015 44 732016 21


2012 208 238 250 258 2592013 139 165 174 1752014 66 83 872015 26 322016 26


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA UNINSURED MOTORISTS


2012 1,284,915 2,756,312 3,813,386 3,959,398 4,086,6402013 521,123 1,944,404 2,715,390 2,912,5902014 849,604 1,931,190 2,293,8272015 467,842 1,356,5662016 326,222


2012 12,165 58,975 201,524 235,127 268,4972013 10,611 35,151 99,366 132,7042014 11,649 65,653 103,8232015 7,040 34,6262016 1,981


2012 3,188,664 3,693,232 4,072,387 4,038,090 4,094,1412013 2,212,399 2,858,974 3,012,958 3,004,1582014 2,025,254 2,297,688 2,432,3252015 1,134,242 2,083,5662016 1,238,222


2012 12,165 58,975 201,524 235,127 268,4972013 10,611 35,151 99,366 132,7042014 11,649 65,653 103,8232015 7,040 34,6262016 1,981


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICAUNDERINSURED MOTORISTS


2012 311,4602013 321,7732014 269,7202015 215,8732016 169,266


2012 222 386 494 533 5422013 220 367 453 4852014 128 242 3142015 133 2492016 106


2012 56 185 283 341 3702013 67 178 262 3112014 29 105 1882015 33 1272016 25


2012 47 89 130 150 1582013 48 96 133 1462014 28 58 812015 15 392016 21


© 2017 Nationwide


NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICAUNDERINSURED MOTORISTS


2012 2,755,049 8,165,799 11,623,458 15,415,457 17,161,9452013 2,650,543 7,262,163 10,350,684 11,887,6782014 1,682,300 5,586,165 8,682,5832015 1,280,186 5,836,3752016 1,406,596


2012 17,417 93,671 234,357 487,378 631,7792013 14,158 56,528 204,134 309,0602014 5,949 67,007 168,6082015 4,466 60,6802016 7,968


2012 8,140,593 12,604,534 15,627,537 17,268,472 17,940,4522013 6,660,596 10,601,766 12,433,502 13,035,4802014 5,746,945 8,568,767 10,655,6652015 5,230,499 9,421,0052016 5,099,721


2012 17,417 93,671 234,357 487,378 631,7792013 14,158 56,528 204,134 309,0602014 5,949 67,007 168,6082015 4,466 60,6802016 7,968

© 2017 Nationwide

1


Nationwide Property and Casualty Insurance Company Per Pa.B. Doc. No. 13-1417, we are providing the following information: 1. Summary Exhibit of Proposed Changes

Please refer to Exhibits XIV and XVII of the Filing Exhibits for a summary of proposed changes by coverage and territory.

2. Histograms

Exhibit XX of the Filing Exhibits show the histogram resulting from this rate change. Please see the attached Annual Histogram exhibit for the cumulative rate change histograms for all filed changes over one year.




5. Expense Exhibit





Loss Development is analyzed separately by coverage. Because the Nationwide Property and Casualty Insurance Company is a newer company, ultimate loss levels were calculated using historical loss development for the Nationwide Affinity Insurance Company of America. The ultimate loss estimates for the injury coverages rely on incurred loss development instead of paid or settled loss development due to the frequency of changes in the settlement rate for injury claims. We have adjusted Bodily Injury, Uninsured Motorists-Bodily Injury and Underinsured Motorists-Bodily Injury coverages’ ultimate losses by removing large losses over $500,000, developing the remaining losses to ultimate and then adding the large losses back into the estimated ultimate losses.


Annual Histogram

© 2017 Nationwide


Cumulative Rate Change Histograms for All Filed Changes Over One YearAll Coverages Combined

Nationwide Property and Casualty Insurance Company

Rate HistoryPage 1

© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $7,066,100 15.0%Property Damage $7,064,700 15.0%First Party Benefits $2,097,200 10.0%Uninsured Motorists $120,500 2.8%Underinsured Motorists $1,579,700 10.0%Comprehensive $1,938,400 8.0%Collision $5,761,800 8.0%All Coverages Combined $25,628,400 11.1%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $3,637,300 10.0% $2,257,600 9.3%Property Damage $3,597,400 10.0% $2,761,000 11.7%First Party Benefits $1,605,800 10.0% $441,900 3.8%Uninsured Motorists $206,200 6.0% -$43,700 -1.7%Underinsured Motorists $755,100 6.0% -$264,500 -2.7%Comprehensive $964,300 5.0% $600,600 4.5%Collision $2,802,400 5.0% $1,893,200 4.8%All Coverages Combined $13,568,500 7.5% $7,646,100 6.1%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $437,700 5.0% $859,900 5.0%Property Damage $423,500 5.0% $837,200 5.0%First Party Benefits $207,095 5.0% $393,900 5.0%Uninsured Motorists $0 0.0% $0 0.0%Underinsured Motorists $0 0.0% $0 0.0%Comprehensive $233,200 5.0% $368,300 4.0%Collision $676,700 5.0% $1,072,600 4.0%All Coverages Combined $1,978,195 4.3% $3,531,900 4.1%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $0 0.0% $0 0.0%Property Damage $0 0.0% $0 0.0%First Party Benefits $0 0.0% $0 0.0%Uninsured Motorists $0 0.0% $0 0.0%Underinsured Motorists $0 0.0% $0 0.0%Comprehensive $0 0.0% $0 0.0%Collision $0 0.0% $0 0.0%All Coverages Combined $0 0.0% $0 0.0%

Rate HistoryPage 2

© 2017 Nationwide




Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily Injury $0 0.0%Property Damage $0 0.0%First Party Benefits $0 0.0%Uninsured Motorists $0 0.0%Underinsured Motorists $0 0.0%Comprehensive $0 0.0%Collision $0 0.0%All Coverages Combined $0 0.0%


Coverage $ Change % Change $ Change % Change $ Change % ChangeBodily InjuryProperty DamageFirst Party BenefitsUninsured MotoristsUnderinsured Motorists ComprehensiveCollisionAll Coverages Combined


© 2017 Nationwide











Coverage Years at collected rate at current rate level Annual Policy Semi-Annual Policy Semi-Annual PolicyBodily Injury 108,750 17,860,658 27,393,158 0% 100% 0%Property Damage 108,815 17,057,794 26,972,041 0% 100% 0%First Party Benefits - All 284,036 8,754,711 12,108,988 0% 100% 0%Uninsured Motorists 96,421 2,009,597 2,154,643 0% 100% 0%Underinsured Motorists 95,471 7,301,304 8,271,343 0% 100% 0%Comprehensive 88,008 9,130,254 11,739,834 0% 100% 0%Collision 81,612 25,821,394 33,761,681 0% 100% 0%All Coverages Combined 863,113 87,935,712 122,401,689 0% 100% 0%



Coverage Years at collected rate at current rate level Annual Policy Semi-Annual Policy Semi-Annual PolicyBodily Injury 17,946 2,903,401 4,520,149 0% 100% 0%Property Damage 17,944 2,776,180 4,419,911 0% 100% 0%First Party Benefits - All 46,697 1,467,164 2,017,778 0% 100% 0%Uninsured Motorists 15,980 340,063 364,927 0% 100% 0%Underinsured Motorists 15,823 1,239,193 1,405,219 0% 100% 0%Comprehensive 14,330 1,475,074 1,879,353 0% 100% 0%Collision 13,303 4,151,089 5,407,568 0% 100% 0%All Coverages Combined 142,024 14,352,165 20,014,906 0% 100% 0%


© 2017 Nationwide





Coverage Years at collected rate at current rate level Annual Policy Semi-Annual Policy Semi-Annual PolicyBodily Injury 0 0 0 0% 100% 0%Property Damage 0 0 0 0% 100% 0%First Party Benefits - All 0 0 0 0% 100% 0%Uninsured Motorists 0 0 0 0% 100% 0%Underinsured Motorists 0 0 0 0% 100% 0%Comprehensive 0 0 0 0% 100% 0%Collision 0 0 0 0% 100% 0%All Coverages Combined 0 0 0 0% 100% 0%

Expense Exhibit

© 2017 Nationwide




A.Direct Written B. Direct Earned A. Direct Written B. Direct Earned Commission D. Direct General Field Supervision & F. Taxes, Licenses G. Incurred Losses H. Paid Unallocated Loss Allocated Loss ALAE2016 Premium Premium Premium Premium and Brokerage Expenses Collection Expenses and Fees Excluding IBNR Losses Adj. Expenses Adj. Expenses Excluding IBNRBodily Injury 208,832,689 197,195,014 51,524,966 48,103,958 5,693,950 3,561,463 4,054,794 1,185,074 40,374,676 23,929,190 4,250,974 1,306,742 1,306,742Property Damage 166,969,410 156,154,730 50,655,799 46,968,500 5,597,899 3,477,397 3,959,084 1,165,083 41,740,705 41,175,366 4,150,633 104,804 104,804First Party Benefits - Medical Benefits 21,867,639 20,797,044 20,594,790 19,557,365 2,275,901 1,447,965 1,648,536 473,680 17,164,922 16,358,763 1,728,296 285,512 285,512First Party Benefits - Income Loss 2,170,114 2,058,433 1,965,190 1,858,680 217,170 137,611 156,672 45,199 1,227,162 1,069,597 164,253 12,168 12,168First Party Benefits - Accidental Death 432,123 409,898 388,262 367,515 42,906 27,210 30,979 8,930 175,907 171,667 32,478 0 0First Party Benefits - Funeral Benefits 136,822 129,710 136,822 129,710 15,120 9,603 10,934 3,147 67,157 67,157 11,463 0 0First Party Benefits - Combination Benefits 610,164 575,082 610,164 575,082 67,428 42,577 48,475 14,034 823,509 825,498 50,820 8,159 8,159First Party Benefits - EMB 171,000 160,563 171,000 160,563 18,897 11,888 13,534 3,933 -18,364 1,016 14,189 0 0First Party Benefits - All 25,387,862 24,130,730 23,866,228 22,648,915 2,637,422 1,676,853 1,909,130 548,923 19,440,293 18,493,699 2,001,498 305,839 305,839Uninsured Motorists 37,608,458 36,330,606 5,128,651 4,960,837 566,760 367,285 418,160 117,959 2,733,657 1,773,758 438,392 47,831 47,831Underinsured Motorists 26,212,295 25,127,355 18,741,437 18,165,974 2,071,089 1,344,951 1,531,252 431,053 8,610,174 4,092,198 1,605,337 110,245 110,245Comprehensive 109,621,791 101,619,669 28,224,933 26,489,006 3,088,968 1,990,037 2,385,425 649,173 21,557,836 21,314,510 1,811,955 141,152 141,152Collision 262,360,692 244,234,349 81,924,918 76,753,997 8,965,953 5,766,291 6,911,959 1,884,273 63,725,879 61,698,614 5,250,283 204,901 204,901All Coverages Combined 836,993,197 784,792,453 260,066,930 244,091,188 28,622,041 18,184,277 21,169,803 5,981,539 198,183,221 172,477,334 19,509,072 2,221,515 2,221,515


2015 Premium Premium Premium Premium and Brokerage Expenses Collection Expenses and Fees Excluding IBNR Losses Adj. Expenses Adj. Expenses Excluding IBNRBodily Injury 169,973,578 166,920,769 38,062,495 34,871,514 4,364,127 3,180,136 3,389,392 875,437 27,833,993 13,310,756 2,789,531 444,147 444,147Property Damage 131,355,865 128,210,944 36,617,993 33,521,010 4,198,505 3,056,976 3,258,128 842,214 31,606,049 30,322,441 2,681,498 27,893 27,893First Party Benefits - Medical Benefits 17,128,301 15,805,272 15,985,204 14,695,785 1,832,814 1,340,194 1,428,380 367,660 14,065,258 12,118,875 1,175,583 199,753 199,753First Party Benefits - Income Loss 1,673,924 1,536,738 1,491,453 1,360,468 171,005 124,069 132,233 34,303 823,994 722,988 108,830 5,503 5,503First Party Benefits - Accidental Death 330,314 301,634 293,794 267,069 33,685 24,356 25,958 6,757 110,000 95,000 21,364 22 22First Party Benefits - Funeral Benefits 104,315 95,430 104,286 95,381 11,957 8,698 9,271 2,399 48,669 41,914 7,630 0 0First Party Benefits - Combination Benefits 472,729 439,263 472,548 439,020 54,181 40,037 42,671 10,869 386,499 398,442 35,119 1,255 1,255First Party Benefits - EMB 129,602 119,624 129,566 119,356 14,856 10,885 11,601 2,980 105,641 74,951 9,548 0 0First Party Benefits - All 19,839,184 18,297,961 18,476,851 16,977,079 2,118,498 1,548,239 1,650,114 424,968 15,540,060 13,452,170 1,358,074 206,533 206,533Uninsured Motorists 33,473,917 33,034,033 4,285,930 3,956,252 491,411 360,794 384,534 98,576 1,658,503 755,980 316,479 25,558 25,558Underinsured Motorists 21,831,503 20,883,236 15,751,746 14,512,432 1,806,046 1,323,473 1,410,559 362,290 4,549,918 2,348,665 1,160,915 22,324 22,324Comprehensive 82,007,549 79,923,669 20,766,483 18,872,132 2,330,672 1,769,909 1,659,516 477,629 16,889,305 16,588,029 1,431,990 34,492 34,492Collision 199,694,485 193,329,628 59,719,587 54,033,292 6,702,471 5,067,474 4,751,403 1,373,550 47,905,372 46,292,240 4,099,969 112,744 112,744All Coverages Combined 658,176,081 640,600,240 193,681,084 176,743,711 22,011,731 16,307,001 16,503,646 4,454,665 145,983,200 123,070,281 13,838,456 873,691 873,691


2014 Premium Premium Premium Premium and Brokerage Expenses Collection Expenses and Fees Excluding IBNR Losses Adj. Expenses Adj. Expenses Excluding IBNRBodily Injury 158,232,771 153,407,579 25,145,138 21,545,280 2,973,433 1,763,470 1,834,464 578,338 17,423,915 3,425,496 1,622,252 81,661 81,661Property Damage 118,963,909 114,532,841 24,078,047 20,607,726 2,847,248 1,686,731 1,754,637 553,795 17,522,342 16,146,610 1,551,659 8,247 8,247First Party Benefits - Medical Benefits 11,621,928 10,052,673 10,665,792 9,159,920 1,261,238 749,735 779,918 245,313 8,333,196 6,471,125 689,696 62,689 62,689First Party Benefits - Income Loss 1,113,970 966,379 958,059 818,076 113,291 66,959 69,655 22,035 394,922 302,701 61,597 149 149First Party Benefits - Accidental Death 215,845 187,097 186,820 159,751 22,092 13,076 13,602 4,297 81,670 81,670 12,028 0 0First Party Benefits - Funeral Benefits 67,764 57,763 67,679 57,682 8,003 4,721 4,911 1,557 21,275 23,995 4,343 0 0First Party Benefits - Combination Benefits 326,860 283,762 326,523 283,447 38,612 23,200 24,134 7,510 524,131 415,801 21,342 515 515First Party Benefits - EMB 91,798 82,123 84,760 71,830 10,023 5,879 6,116 1,949 0 0 5,408 0 0First Party Benefits - All 13,438,165 11,629,797 12,289,633 10,550,705 1,453,259 863,570 898,336 282,662 9,355,194 7,295,292 794,415 63,354 63,354Uninsured Motorists 31,495,503 30,622,917 2,841,312 2,430,825 335,987 198,962 206,972 65,350 826,319 142,825 183,029 18,894 18,894Underinsured Motorists 17,609,388 16,209,895 10,342,999 8,840,410 1,223,068 723,583 752,713 237,889 1,790,650 593,650 665,639 1,176 1,176Comprehensive 74,705,508 72,646,428 13,169,095 11,172,402 1,547,244 944,119 817,161 302,889 14,138,222 13,248,358 792,100 11,959 11,959Collision 174,593,842 167,101,678 37,313,417 31,631,142 4,383,972 2,672,975 2,313,534 858,209 30,244,579 27,659,234 2,242,583 42,287 42,287All Coverages Combined 589,039,086 566,151,135 125,179,639 106,778,490 14,764,211 8,853,409 8,577,817 2,879,132 91,301,221 68,511,464 7,851,677 227,578 227,578


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY BODILY INJURY


2012 02013 17,9462014 108,7502015 197,3902016 266,353


2012 0 0 0 0 02013 360 361 362 3622014 1,500 1,542 1,5552015 2,090 2,1442016 3,081


2012 0 0 0 0 02013 52 94 112 1192014 382 631 7562015 686 1,0882016 985


2012 0 0 0 0 02013 228 233 240 2402014 634 706 7272015 588 7052016 944


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY BODILY INJURY


2012 0 0 0 0 02013 94,364 774,706 1,491,443 1,787,8272014 2,755,163 10,007,743 14,252,0592015 4,696,573 14,561,4192016 9,019,191


2012 0 0 0 0 02013 2,127 32,492 135,736 186,2832014 49,538 298,073 836,5652015 91,815 573,3262016 223,926


2012 0 0 0 0 02013 1,747,432 2,000,810 1,999,946 1,981,8292014 15,030,543 16,951,774 17,511,4332015 22,133,388 25,065,3342016 36,063,724


2012 0 0 0 0 02013 2,127 32,492 135,736 186,2832014 49,538 298,073 836,5652015 91,815 573,3262016 223,926


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY PROPERTY DAMAGE


2012 02013 17,9442014 108,8152015 197,4322016 266,427


2012 0 0 0 0 02013 798 859 866 8662014 7,399 7,480 7,4902015 15,531 15,6342016 21,295


2012 0 0 0 0 02013 797 854 860 8612014 4,143 4,254 4,2612015 6,686 6,8342016 9,176


2012 0 0 0 0 02013 1 5 5 52014 3,173 3,242 3,2492015 8,680 8,7852016 11,954


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY PROPERTY DAMAGE


2012 0 0 0 0 02013 2,232,625 2,628,196 2,700,148 2,705,1482014 14,304,092 16,178,473 16,387,6222015 26,902,415 29,302,2162016 37,991,145


2012 0 0 0 0 02013 768 1,787 3,903 5,8952014 6,535 14,976 37,8082015 18,304 57,5772016 41,525


2012 0 0 0 0 02013 2,232,625 2,628,196 2,703,908 2,705,1482014 14,568,930 16,280,498 16,476,5272015 27,555,781 29,656,4402016 38,847,907


2012 0 0 0 0 02013 768 1,787 3,903 5,8952014 6,535 14,976 37,8082015 18,304 57,5772016 41,525


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY FIRST PARTY BENEFITS


2012 02013 46,6972014 284,0362015 519,1452016 700,953


2012 0 0 0 0 02013 599 617 619 6192014 3,371 3,409 3,4162015 6,123 6,1732016 8,361


2012 0 0 0 0 02013 252 398 415 4152014 1,704 2,237 2,2682015 3,137 4,0052016 4,261


2012 0 0 0 0 02013 185 203 204 2042014 1,096 1,138 1,1402015 2,023 2,0902016 2,822


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY FIRST PARTY BENEFITS


2012 0 0 0 0 02013 1,245,942 1,497,703 1,522,423 1,524,3092014 6,647,609 8,019,422 8,447,1122015 11,760,944 13,899,0492016 15,847,232


2012 0 0 0 0 02013 7,837 19,611 25,486 27,0082014 49,998 129,272 160,6382015 117,207 264,6852016 123,629


2012 0 0 0 0 02013 1,557,762 1,541,799 1,525,846 1,524,3092014 8,371,200 8,426,088 8,587,7212015 14,137,375 14,351,7142016 19,091,639


2012 0 0 0 0 02013 7,837 19,611 25,486 27,0082014 49,998 129,272 160,6382015 117,207 264,6852016 123,629


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY COMPREHENSIVE


2012 02013 14,3302014 88,0082015 161,9462016 220,489


2012 0 0 0 0 02013 752 767 769 7692014 6,736 6,792 6,7962015 10,774 10,8372016 13,563


2012 0 0 0 0 02013 752 766 768 7682014 5,713 5,773 5,7772015 9,582 9,6332016 12,044


2012 0 0 0 0 02013 0 1 1 12014 463 485 4872015 1,026 1,0442016 1,419


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY COMPREHENSIVE


2012 0 0 0 0 02013 954,735 988,381 990,345 990,2542014 7,110,555 7,237,373 7,234,2402015 13,794,935 13,871,3472016 19,910,663


2012 0 0 0 0 02013 2,619 8,483 8,938 8,9382014 6,069 10,093 10,5742015 15,293 27,7072016 122,206


2012 0 0 0 0 02013 954,735 988,381 990,345 990,2542014 8,537,018 8,608,301 8,602,3682015 14,019,058 14,071,0942016 20,100,604


2012 0 0 0 0 02013 2,619 8,483 8,938 8,9382014 6,069 10,093 10,5742015 15,293 27,7072016 122,206


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY COLLISION


2012 02013 13,3032014 81,6122015 150,7462016 205,741


2012 0 0 0 0 02013 1,171 1,199 1,199 1,2002014 10,143 10,198 10,2022015 20,987 21,0712016 28,068


2012 0 0 0 0 02013 1,170 1,192 1,192 1,1932014 7,288 7,354 7,3552015 13,487 13,5562016 17,632


2012 0 0 0 0 02013 1 7 7 72014 2,790 2,848 2,8542015 7,433 7,5112016 10,358


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY COLLISION


2012 0 0 0 0 02013 3,763,444 3,595,731 3,587,266 3,587,3022014 23,621,221 22,660,073 22,609,5422015 43,425,264 41,903,3752016 59,145,503


2012 0 0 0 0 02013 2,636 11,081 13,928 14,1862014 33,495 71,622 81,5422015 71,254 166,3382016 97,455


2012 0 0 0 0 02013 3,763,444 3,595,731 3,587,266 3,587,3022014 23,916,366 22,793,940 22,736,2082015 43,892,015 42,214,8482016 59,778,235


2012 0 0 0 0 02013 2,636 11,081 13,928 14,1862014 33,495 71,622 81,5422015 71,254 166,3382016 97,455


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY UNINSURED MOTORISTS


2012 02013 15,9802014 96,4212015 175,5352016 236,744


2012 0 0 0 0 02013 20 23 24 242014 76 89 952015 115 1352016 187


2012 0 0 0 0 02013 3 7 10 102014 28 44 582015 51 842016 64


2012 0 0 0 0 02013 10 11 13 132014 20 30 302015 15 272016 29


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY UNINSURED MOTORISTS


2012 0 0 0 0 02013 12,164 75,436 107,935 107,9352014 79,064 329,065 612,0422015 461,833 1,467,7602016 497,844


2012 0 0 0 0 02013 146 16,009 17,260 17,2602014 3,032 11,491 23,2842015 15,862 43,4882016 8,398


2012 0 0 0 0 02013 131,998 154,498 136,436 136,4352014 704,830 783,665 989,5422015 1,564,333 2,231,7602016 1,861,094


2012 0 0 0 0 02013 146 16,009 17,260 17,2602014 3,032 11,491 23,2842015 15,862 43,4882016 8,398


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANYUNDERINSURED MOTORISTS


2012 02013 15,8232014 95,4712015 173,8222016 234,351


2012 0 0 0 0 02013 10 16 23 272014 53 91 1252015 92 1682016 146


2012 0 0 0 0 02013 3 8 13 182014 13 41 732015 21 842016 21


2012 0 0 0 0 02013 2 4 6 72014 10 24 312015 16 322016 32


© 2017 Nationwide


NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANYUNDERINSURED MOTORISTS


2012 0 0 0 0 02013 125,000 279,500 541,800 690,8002014 439,150 1,760,014 2,802,9382015 780,500 2,740,5082016 938,666


2012 0 0 0 0 02013 0 0 2,947 2,9472014 1,161 6,302 37,7102015 14,230 86,4892016 6,600


2012 0 0 0 0 02013 275,001 379,501 791,803 825,8012014 1,736,152 2,937,517 3,670,4392015 2,908,750 4,811,0372016 5,349,366


2012 0 0 0 0 02013 0 0 2,947 2,9472014 1,161 6,302 37,7102015 14,230 86,4892016 6,600

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