Filing at a Glance...Please refer to our cover letter located in the Supporting Documentation tab. Filing Contact Information Patrick Hahn, Product Mananger [email protected]

Filing at a Glance

Company: Mid-Century Insurance Company

Product Name: FA2 / FSPA

State: Pennsylvania

TOI: 19.0 Personal Auto

Sub-TOI: 19.0001 Private Passenger Auto (PPA)

Filing Type: Rate/Rule

Date Submitted: 01/17/2020

SERFF Tr Num: FARM-132218595

SERFF Status: Assigned

State Tr Num:

State Status: Received Review in Progress

Co Tr Num: ARRPA052720

Effective DateRequested (New):

05/27/2020

Effective DateRequested (Renewal):

06/27/2020

Author(s): Jeanette Campion, Cheryl Matter, Kathy Thompson, Michael Moore, Patrick Hahn, EileenYaros, Elizabeth Dizon, Pam Hanlon, Matthew Noggoh

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

Disposition Date:

Disposition Status:

Effective Date (New):

Effective Date (Renewal):

State Filing Description:

SERFF Tracking #: FARM-132218595 State Tracking #: Company Tracking #: ARRPA052720

State: Pennsylvania Filing Company: Mid-Century Insurance Company

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


Project Name/Number: Refresh/PRJ001378 - A-20-PA1 - A-20-PA2 - PRJ001502

PDF Pipeline for SERFF Tracking Number FARM-132218595 Generated 01/27/2020 01:02 PM

General Information

Company and Contact

Filing Fees

State Specific

Project Name: Refresh Status of Filing in Domicile:

Project Number: PRJ001378 - A-20-PA1 - A-20-PA2 -PRJ001502

Domicile Status Comments:

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 01/20/2020

State Status Changed: 01/20/2020 Deemer Date:

Created By: Eileen Yaros Submitted By: Eileen Yaros

Corresponding Filing Tracking Number:

Filing Description:

Please refer to our cover letter located in the Supporting Documentation tab.

Filing Contact InformationPatrick Hahn, Product Mananger [email protected]

3 Beaver Valley Rd

5th Floor

Wilmington, DE 19803-1115

302-252-4508 [Phone]

302-252-2424 [FAX]

Filing Company InformationMid-Century Insurance Company

6301 Owensmouth Ave

Woodland Hills, CA 91367

(818) 965-0662 ext. [Phone]

CoCode: 21687

Group Code: 69

Group Name:

FEIN Number: 95-6016640

State of Domicile: California

Company Type:

State ID Number:

Fee Required? No

Retaliatory? No

Fee Explanation:

*Filing Fee Amount: N/A*Date Filing Fee Mailed: N/A*Filing Fee Check Number: N/A*Filing Fee Check Date: N/A*NAIC Number: 21687







Rate Information Rate data applies to filing.

Filing Method: Prior Approval

Rate Change Type: Increase

Overall Percentage of Last Rate Revision: 0.000%

Effective Date of Last Rate Revision: 11/16/2019

Filing Method of Last Filing: Prior Approval

SERFF Tracking Number of Last Filing: FARM-131943268

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):Mid-Century InsuranceCompany

21.400% 4.600% $6,082,584 60,168 $137,989,196 10.000% -8.000%







Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments1 PA FA2 Filing Rate Manual Pages 1-4 Replacement PA FA2 Filing Rate Manual

eff 06272020.pdf2 PA FSPA Filing Rate Manual Pages 1-57 Replacement PA FSPA Filing Rate Manual

nb 05272020.pdf3 FSPA Filing Rule Guide Rule D11 Replacement FSPA D11_clean.pdf4 FSPA Filing Rule Guide Rule P11 Replacement FSPA P11_clean.pdf5 FSPA Filing Rule Guide Rule P22 Replacement FSPA P22_clean.pdf6 FSPA Filing Rule Guide Rule P31 Replacement FSPA P31_clean.pdf7 FSPA Filing Rule Guide Rule P32 Replacement FSPA P32_clean.pdf8 FSPA Filing Rule Guide Rule P33 Replacement FSPA P33_clean.pdf9 FSPA Filing Rule Guide Rule P34 Replacement FSPA P34_clean.pdf10 FSPA Filing Rule Guide Rule P35 Replacement FSPA P35_clean.pdf11 FSPA Filing Rule Guide Rule P36 Replacement FSPA P36_clean.pdf







Exhibit # Index

1 Average Driver Rate Order of Calculation2A Rate Order of Calculation2B Miscellaneous Rate Order of Calculation2C Rate Order of Calculation3 Driver Class4 Point Assignments5 Driving Record Points6 Violation Aging Factors7 Age / Points Factor8 Age / Tier Factor9 Points / Tier Factor

10 Base Rates & Policy Term Factor11 Household Structure Factor12 Driver-Vehicle Exposure13 Tier Group Definitions14 Rate Matrix15 Zip Code Factors16 City/County Definitions17 Stated Amount18 Customization Amount19 Symbols20 FAS Assignment21 FAS Factors22 Vehicle Type Indicator23 Model Year24 Limits & Deductibles25 Luxury Vehicle Factor26 High Performance27 Alternative Fuel (Hybrid)28 New Car Credit29 Full Coverage Factor30 Electronic Funds Transfer Discount31 Affinity Discount32 Transfer Discount33 Excluded Driver34 Auto/Renter35 Auto/Mobile Home Discount36 Auto Specialty Line Discount37 Auto Life Discount38 Liability Core Discount39 First Party Core Discount40 Physical Damage Core Discount41 Address Validation42 Continuous Insurance43 Leased Vehicle Factor44 Limited Tort Factor45 UM Stacking Waiver Factor46 Vehicle Use Factor47 Other Discounts and Surcharges48 Mandated PA Discounts49 Accident Forgiveness and New Vehicle Pledge50 Residual Debt51 Camper/Trailer Coverage52 Rental Packages53 Theft Coverage for Stereo54 Commute to NY/NJ Factor55 Policy Fee56 RLAF57 Rate Cap58 ePolicy Discount59 OEM Parts Coverage60 Vehicle History Factor

State of PennsylvaniaMid-Century Insurance Company

Private Passenger Automobile InsuranceFarmers Auto 2.0 Program

RN eff: 06/27/2020

State of PennsylvaniaMid-Century Insurance CompanyFarmers Auto 2.0 ProgramPrivate Passenger Automobile InsuranceBase Rates and Policy TermExhibit 10

BASE RATES

COVERAGE Base RateBodily Injury (BI) 235.2490Property Damage (PD) 99.1235Medical (MED) 141.6564Extraordinary Medical (MED) 57.4438Income Loss 35.6512Accidental Death Benefit 5.8073Funeral Expenses 1.9046Uninsured Motorists BI (UM) - Stacking 19.1440Underinsured Motorists BI (UIM) - Stacking 29.4607Comprehensive (COMP) 108.9598Collision (COLL) 198.6856Towing and Labor (TOWING) 7.8251Rental Reimbursement - $50 per day 45.8522Rental Reimbursement - $100 per day 91.8410BDOC with Primary - BI 10.2907BDOC with Primary - PD 5.0761Med on DOC 5.2528Extraordinary Medical on DOC 1.5943Income Loss on DOC on DOC 0.9896Accidental Death Benefit on DOC 0.1613Funeral Expenses on DOC 0.0527

Loss of Use 19.6396

Glass Ded BB100.00 n/a250.00 16.4562500.00 28.9295750.00 31.63791000.00 32.73791500.00 33.63282500.00 34.1274

Policy Term6 1.000012 2.0000

DOC - Drive Other Car

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State of PennsylvaniaMid-Century Insurance CompanyFarmers Auto 2.0 ProgramPrivate Passenger Automobile InsuranceCamper/Trailer CoverageExhibit 51

Amount of Insurance (100% to Actual Cash

Value)COMP COLL

$0 - $1,050 $3.6327 $3.1504 $1,051 - $1,300 $5.2978 $3.5444 $1,301 - $1,600 $5.7520 $4.2007 $1,601 - $1,900 $6.3574 $4.9882 $1,901- $2,400 $7.8709 $6.3008 $2,401 - $3,000 $10.2928 $8.4011 $3,001 - $4,000 $12.8660 $10.7639 $4,001 - $5,000 $16.8015 $13.9145 Factor

$5,001 - $6,000 $20.8883 $16.9335 1.0000

$6,001 - $7,000 $24.2184 $19.2965 0.5271

$7,001 - $8,000 $28.3055 $22.3156 $8,001 - $9,000 $32.2408 $25.3348 $9,001 - $10,000 $35.1168 $28.2229

$10,001 - $12,000 $39.2037 $32.0295 $12,001 - $14,000 $44.9557 $36.2302 $14,001 - $16,000 $50.7074 $40.5619 $16,001 - $18,000 $56.4594 $45.4189 $18,001 - $20,000 $62.0597 $49.6195 $20,001 - $22,000 $67.0550 $53.2950 $22,001 - $24,000 $72.6554 $57.6269 $24,001 - $26,000 $78.1046 $61.9589 $26,001 - $28,000 $82.9483 $65.6344 $28,001 - $30,000 $88.5488 $69.8349 $30,001 - and up $133.0503 $104.2271

Unit is a Camper

$0.6671

per $100 of value is used.

Then the policy term factor applies.

Owned Camper Factor

Unit is a Trailer

BASE RATE - one for each Amt of Insurance. Top row is COMP, bottom row is COLL.

"Fire - Contents" Coverage

(Contents in a camper or trailer)

Code 20300 and 21006

A base rate of

RN eff: 06/27/2020

State of PennsylvaniaMid-Century Insurance CompanyFarmers Auto 2.0 ProgramPrivate Passenger Automobile InsuranceTheft Coverage for StereoExhibit 53

Special TheftBase Rate: $3.7012Limit Factors:

$50 1.0000$100 2.0000$250 3.0000$500 5.0000$750 7.0000

$1,000 9.0000$1,500 15.0000$2,000 20.0000$2,500 26.0000$3,000 31.0000$3,500 40.0000$4,000 45.0000

RN eff: 06/27/2020

Contents

Exhibit # NameAverage Driver ROC Average Driver Rate Order of CalculationDetailed ROC Rate Order of CalculationROC for Other MED Coverages Other MED CoveragesROC for Other Misc Coverages Other Miscellaneous CoveragesExhibit A Driving Record PointsExhibit A-1 Violation ClassificationExhibit 1 Driver Class FactorExhibit 2 Driving Record Points FactorsExhibit 3 AAF, ALL, API Violation Aging FactorExhibit 4 Violation Aging MajorExhibit 5 AFD, DUI Violation Aging FactorExhibit 6 Violation Aging MinorExhibit 7 SPL, SPH Aging FactorExhibit 8 **Reserved for Future Use**Exhibit 9 Age and Point MatrixExhibit 10 Distant Student DiscountExhibit 11 Good Student DiscountExhibit 12 Base RateExhibit 13 Household Structure FactorExhibit 14 Driver Vehicle Exposure FactorExhibit 15 Rate MatrixExhibit 16 Zip Code FactorExhibit 17 Stated AmountExhibit 18 Auto Symbol FactorExhibit 19 Farmers Auto Symbol FactorExhibit 20 Vehicle Type FactorExhibit 21 Model Year FactorExhibit 22 **Reserved for Future Use**Exhibit 23 Liability LimitsExhibit 24 Increased Purchase Limit by UW Tier 2Exhibit 25 Deductible FactorExhibit 26 Luxury Vehicle FactorExhibit 27 High Performance FactorExhibit 28 Alternative Fuel Vehicle (Hybrid) FactorExhibit 29 Vehicle Use FactorExhibit 30 Lienholder by Model YearExhibit 31 Comprehensive without Collision FactorExhibit 32 Excluded Driver FactorExhibit 33 Tort Stacking WaiverExhibit 34 First Party Benefits PackageExhibit 35 Commute to NY/NJ FactorExhibit 36 Driver Assignment MethodologyExhibit 37 UW Tier FactorExhibit 38 Full Coverage FactorExhibit 39 Leased Vehicle Indicator TableExhibit 40 Reserved for Future UseExhibit 41 Early Shopping FactorExhibit 42 Youthful Driver DiscountExhibit 43 On Your Own DiscountExhibit 44 Shared Family Car DiscountExhibit 45 Good Payer Discount


Farmers Smart Plan Auto ProgramPrivate Passenger Automobile Insurance

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Contents



Exhibit 46 Passive Restraint DiscountExhibit 47 Driver Improvement DiscountExhibit 48 Anti-Theft DiscountExhibit 49 Affinity DiscountExhibit 50 ePolicy DiscountExhibit 51 Multi-policy Discount - Auto/BrokeredExhibit 52 Multi-policy Discount - Auto/RentersExhibit 53 Multi-policy Discount - Auto/MobilehomeExhibit 54 Multi-policy Discount - Auto/BoatExhibit 55 Multi-policy Discount - Auto/MotorcycleExhibit 56 Multi-policy Discount - Auto/MotorhomeExhibit 57 Multi-policy Discount - Auto/RVExhibit 58 Multi-policy Discount - Auto/UmbrellaExhibit 59 Multi-policy Discount - Auto/BusinessExhibit 60 Monthly Pay PlanExhibit 61 EFT DiscountExhibit 62 Paid in Full DiscountExhibit 63 Core Discount MatrixExhibit 64 Address Validation FactorExhibit 65 Multi-policy Discount - Auto/HomeExhibit 66 Multi-policy Discount - Auto/LifeExhibit 67 Camper Trailer OwnedExhibit 68 Policy Term FactorExhibit 69 Rate CappingExhibit 70 Rate Level Adjustment FactorExhibit 71 Reinstatement Count FactorExhibit 72 Deceased Driver StabilityExhibit 73 BDOC RateExhibit 74 Loss of Use FactorExhibit 75 Customization AmountExhibit 76 Glass Deductible Buyback Base RateExhibit 77 Residual Debt FactorExhibit 78 Rental CoverageExhibit 79 Towing CoverageExhibit 80 Camper Trailer Base RatesExhibit 81 Camper and Trailer DeductibleExhibit 82 Camper Trailer Fire ContentsExhibit 83 New Car ReplacementExhibit 84 OEM Replacement PartsExhibit 85 Accident ForgivenessExhibit 86 Policy FeeExhibit 87 Vehicle History FactorExhibit 88 Signal DiscountExhibit 89 UBI Score GroupExhibit 90 Participation GroupExhibit 91 Rideshare Factor

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Exhibit 12

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceBase Rate

Coverage Factor Amt.Accidental Death Benefit 3.5003

BI 187.5700COLL 231.0447

COMP 109.0331Funeral Expenses 1.3383

Income Loss Benefits 15.7513MED 69.9925

MED - Extraordinary 56.5296PD 137.5200

UIM 32.2988UM 17.4681

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Exhibit 16

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceZip Code Factor

ZIP Code BI PD MED UM/UIM COMP COLL15001 0.8521 0.9155 0.7083 0.8609 0.9007 0.965515003 0.8521 0.9155 0.7083 0.8609 0.9007 0.965515004 0.7747 0.8662 0.7597 0.7826 1.1771 1.011115005 0.7359 0.8631 0.6262 0.7435 0.8513 0.860615006 0.7694 1.0053 0.7494 0.7729 0.7677 0.927515007 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515009 0.7359 0.8631 0.6262 0.7435 0.8513 0.860615010 0.7359 0.8631 0.6262 0.7435 0.8513 0.860615012 0.7636 0.8852 0.7470 0.7435 0.9177 0.910015014 0.7694 1.0053 0.7494 0.7729 0.7677 0.927515015 0.7694 1.0053 0.7494 0.7729 0.7677 0.927515017 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515018 0.7694 1.0053 0.7494 0.7729 0.7677 0.927515019 0.7747 0.8662 0.7597 0.7826 1.1771 1.011115020 0.7844 1.0608 0.7251 0.7924 0.7945 0.991115021 0.7747 0.8662 0.7597 0.7826 1.1771 1.011115022 0.7747 0.8662 0.7597 0.7826 1.1771 1.011115024 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515025 0.7694 1.0053 0.7494 0.7729 0.7677 0.927515026 0.8521 0.9155 0.7083 0.8609 0.9007 0.965515027 0.7359 0.8631 0.6262 0.7435 0.8513 0.860615028 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515030 0.7694 1.0053 0.7494 0.7729 0.7677 0.927515031 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515032 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515033 0.7747 0.8662 0.7597 0.7826 1.1771 1.011115034 0.7844 1.0608 0.7251 0.7924 0.7945 0.991115035 0.7844 1.0608 0.7251 0.7924 0.7945 0.991115036 0.7747 0.8662 0.7597 0.7826 1.1771 1.011115037 0.7694 1.0053 0.7494 0.7729 0.7677 0.927515038 0.8061 0.8998 0.7238 0.7729 0.9639 0.927915042 0.7359 0.8631 0.6262 0.7435 0.8513 0.860615043 0.8521 0.9155 0.7083 0.8609 0.9007 0.965515044 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515045 0.7844 1.0608 0.7251 0.7924 0.7945 0.991115046 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515047 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515049 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515050 0.8521 0.9155 0.7083 0.8609 0.9007 0.965515051 0.7173 1.0231 0.6985 0.7583 0.7165 0.874515052 0.7359 0.8631 0.6262 0.7435 0.8513 0.860615053 0.7747 0.8662 0.7597 0.7826 1.1771 1.011115054 0.7747 0.8662 0.7597 0.7826 1.1771 1.011115055 0.8061 0.8998 0.7238 0.7729 0.9639 0.927915056 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745

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Exhibit 16



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Exhibit 16



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Exhibit 16



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Exhibit 16



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Exhibit 16



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Exhibit 73

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceBDOC Rate

Coverage Factor Amt.BDOC BI with Primary 12.3747 Notes:

BDOC MED 6.9906 BDOC = Broad Form Drive Other CarBDOC PD with Primary 6.5687 DOC = Drive Other Car

DOC Accidental Death Benefit 3.8808DOC Funeral Expenses 1.4839

DOC Income Loss Benefits 17.4640DOC MED - Extraordinary 62.6762

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Exhibit 74

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceLoss of Use Factor

Loss of Use Factor Amt.Base Rate 27.0498 Notes:

K4 2.5000 K4 = Loss of Use Option ($25/day)K5 5.0000 K5 = Loss of Use Option ($50/day)

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Exhibit 75

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceCustomization Amount

Amt. Range Factor Amt.1 - 500 10.9649

501 - 1000 17.54391001 - 1500 24.12291501 - 2000 35.08782001 - 2500 40.57022501 - 3000 47.14933001 - 3500 52.63163501 - 4000 60.30704001 - 4500 66.88604501 - 5000 72.36855001 - 5500 82.23695501 - 6000 91.00896001 - 6500 96.49136501 - 7000 107.45637001 - 7500 115.13177501 - 8000 121.71078001 - 8500 129.38628501 - 9000 138.15809001 - 9500 145.8335

9501 - 10000 153.509010001 - 15000 196.272215001 - 20000 276.316120001 - 25000 354.167125001 - 30000 432.018130001 - 35000 512.062035001 - 40000 589.913040001 - 45000 668.860545001 - 50000 746.7115

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Exhibit 76

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceGlass Deductible Buyback Base Rate

COMP Deductible Factor Amt.250 21.0814500 37.0604750 40.5296

1000 41.93861500 43.08542500 43.7188

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Exhibit 78

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceRental Coverage

Coverage Factor Amt.RENTAL RE ($30 per day) 38.5481RENTAL RE ($50 per day) 64.0562

RENTAL RE ($100 per day) 128.3031

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Exhibit 79

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceTowing Coverage

Coverage Factor Amt.TOWING 9.8835

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Exhibit 80

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceCamper Trailer Base Rates

ACV Range COMP COLL Notes:0 - 1050 6.0562 4.2986 1. ACV Range reflects Amount of Insurance

1051 - 1300 8.8320 4.8358 (100% to Actual Cash Value)1301 - 1600 9.5889 5.73171601 - 1900 10.5986 6.80621901 - 2400 13.1219 8.59702401 - 3000 17.1592 11.46283001 - 4000 21.4493 14.68664001 - 5000 28.0102 18.98505001 - 6000 34.8235 23.10486001 - 7000 40.3751 26.32847001 - 8000 47.1887 30.44808001 - 9000 53.7492 34.5676

9001 - 10000 58.5438 38.507810001 - 12000 65.3574 43.701812001 - 14000 74.9463 49.433614001 - 16000 84.5352 55.343716001 - 18000 94.1238 61.970518001 - 20000 103.4612 67.702220001 - 22000 111.7880 72.717022001 - 24000 121.1251 78.627824001 - 26000 130.2096 84.538126001 - 28000 138.2847 89.552928001 - 30000 147.6215 95.2841

30001 - 999999 221.8106 142.2102

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Exhibit 82

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceCamper Trailer Fire Contents

CMP TRL Fire Contents0.7022

Notes:CMP TRL = Camper Trailer

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Supporting Document Schedules Bypassed - Item: Authorization to File (PC)Bypass Reason: N/A - This is not a Third Party FilingAttachment(s):Item Status:Status Date:

Satisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments:Attachment(s): PA Auto Filing Memo.pdfItem Status:Status Date:

Satisfied - Item: AppendixesComments:

Attachment(s):

Appendix A - Statewide WP_06272020.pdfAppendix B - Histogram - 06272020.pdfApp C, D, E_06272019.xlsmApp C, D, E_06272020.pdfAppendix F - PA Rate History_06272020.pdfAppendix G - EPOL_Losses by prog_06272020.pdf

Item Status:Status Date:

Satisfied - Item: ExhibitsComments:

Attachment(s):

Pennsylvania_Filing_Exhibits_Auto_06272020_FA2 and FSPA.xlsxExhibit A-J - PA_Filing_Exhibits_Auto_06_27_2020_FA2 and FSPA.pdfExhibit K - PA FA2 Filing Rate Manual eff 06272020.xlsxExhibit K - PA FA2 Filing Rate Manual eff 06272020.pdfExhibit L - PA FSPA Filing Rate Manual nb 05272020.xlsxExhibit L - PA FSPA Filing Rate Manual nb 05272020.pdfExhibit M - PA FSPA Territory Factors Update.xlsxExhibit M - PA FSPA Territory Factors Update.pdf


Satisfied - Item: Mark Up'sComments:







Attachment(s):

FSPA P33_tracked.pdfFSPA P34_tracked.pdfFSPA P35_tracked.pdfFSPA P36_tracked.pdfFSPA D11_tracked.pdfFSPA P11_tracked.pdfFSPA P22_tracked.pdfFSPA P31_tracked.pdfFSPA P32_tracked.pdf








Attachment App C, D, E_06272019.xlsm is not a PDF document and cannot be reproduced here.

Attachment Pennsylvania_Filing_Exhibits_Auto_06272020_FA2 and FSPA.xlsx is not a PDF documentand cannot be reproduced here.

Attachment Exhibit K - PA FA2 Filing Rate Manual eff 06272020.xlsx is not a PDF document and cannotbe reproduced here.

Attachment Exhibit L - PA FSPA Filing Rate Manual nb 05272020.xlsx is not a PDF document andcannot be reproduced here.

Attachment Exhibit M - PA FSPA Territory Factors Update.xlsx is not a PDF document and cannot bereproduced here.







MID-CENTURY INSURANCE COMPANY PENNSYLVANIA

PRIVATE PASSENGER AUTO FARMERS AUTO 2.0 AND FARMERS SMART PLAN AUTO

RATE AND RULE REVISION FILING MEMO

We respectfully submit for filing, on behalf of Mid-Century Insurance Company, revisions to rates and rules for the Farmers Auto 2.0 (FA2) and Farmers Smart Plan Auto (FSPA) rating plan. The overall effect of the changes is +6.0% on FA2 policyholders and +3.0% on FSPA policyholders. The overall effect of these changes on FA2 and FSPA is 4.6%, while the credibility weighted loss experience indicates an overall rate need of 21.4%.

We are revising the following factors:

FA2 FSPA

1. Base Rate (Exh 10) 1. Base Rate (Exh 12)

2. Household Structure (Exh 13) (New Business

Only)

2. Glass Deductible Buyback (Exh 10) 3. Zip Code Factor (Exh 16)

3. Loss of Use (Exh 10) 4. BDOC Rate (Exh 73)

4. Camper and Trailer – Base (Exh 51) 5. Loss of Use Factor (Exh 74)

5. Camper and Trailer – Fire Contents (Exh 51) 6. Customized Amount (Exh 75)

6. Theft Coverage for Stereo (Exh 53) 7. Glass Deductible Buyback (Exh 76)

8. Rental Coverage (Exh 78)

9. Towing Coverage (Exh 79)

10. Camper and Trailer – Base (Exh 80)

11. Camper and Trailer – Fire Contents (Exh 82)

Additionally we are revising/adding the following rules: FA2 FSPA

1. No Changes 1. Rule P11 – Summary of Coverages Offered

2. Rule P22 – Non-Owner Policy Endorsement

3. Rule P31 – Multi-Policy Discount –

Auto(/Home/Renter/Mobile-Home/Brokered

Home)


Auto(/Boat/Watercraft) Discount





2

Auto/Motorcycle Discount


Auto/Motorhome Discount

7. P35 – Multi-Policy Discount –

Auto/Recreational Vehicle Discount

8. P36 – Multi-Policy Discount – Auto/Umbrella

Discount

9. D11 – Named Driver Exclusion

As part of the filing, we have attached the following exhibits for your review. Exhibit A Indicated and Selected Changes by Coverage This exhibit shows the combined effect of each component of this rate change as

described above.

Exhibit B Calculated Rate Level Indications The calculations of our rate level indications contained in this exhibit are based on

three fiscal accident years of experience: July 2016 through June 2019, evaluated as of June 30, 2019. Indications for all coverages assume an effective date of June 27, 2020.

The A&O percentages have been calculated using the latest three years of state specific paid data for, adjusted with planned changes, and are stated as a percentage of premium.

Exhibit C Development of Estimated Ultimate Losses Commonly accepted loss development methods and procedures are used to derive

ultimate losses. Ultimate losses were selected based on Incurred Losses, Net of Salvage and Subrogation, and Paid Defense and Cost Containment Expenses triangles. Consideration is given to the relative strengths and weaknesses of each of the methods. These methods include, but are not limited to the following: Incurred Loss Development (Incurred LDF) Paid Loss Development (Paid LDF)

Exhibit D Credibility Weighted Loss Trends Exhibit D provides support for the credibility method used in obtaining annualized

loss trend factors found on Exhibit E. A two-part trending procedure is used to trend losses by coverage. First, a historical trend is selected to trend each accident quarter of the experience period to the midpoint of the latest accident quarter. Second, a future trend is selected to bring the entire experience to the midpoint of the projection period. The selected historical and future trends by coverage are the Mid-Century Insurance Company trend credibility-weighted with the complement. The full




3

credibility standard for a given coverage was calculated as 1,082 times one more than the coefficient of variation for severity squared. Industry data (for BI, PD, COLL MEDNF), companywide data (for UMBI) is used as complement. For COMP the average of the industry data for PD and COLL is used as the complement.

Exhibit E Determination of Loss Trend by Coverage This exhibit shows the detail of each trend component used in Exhibit D. Each

component is a least squares exponential fit of Mid-Century Insurance Company data, with data available through 2nd quarter of 2019.

For the loss trend factor calculation, an exponential regression is applied to seasonally adjusted accident quarter ultimate frequencies and severities. “Deseasonalizing” the data is done as an alternative to analyzing four-quarter rolling data. Both methods remove the effects of seasonality, but the deseasonalized data method has the benefit of being more responsive to change.

We may exclude points that would otherwise distort the trend selections.

Exhibit F Determination of Premium Trend by Coverage

This exhibit shows the calculation of premium trend components by coverage. Both the historical and future trends are derived from a least squares exponential fit of average premium per policy, brought to current rate level. Premium trends are applied to all coverages and account for the changing mix of business.

Exhibit G Calculation of Catastrophe Factor for Comprehensive Coverage The catastrophe factor is the ratio of the total paid losses to the total non-cat paid

losses, based on Mid-Century Insurance Company’s Pennsylvania specific data. Catastrophes are identified using Property Claim Services’ definition.

Exhibit H Large Loss Load For the coverages of BI and UMBI, individual losses are capped at $75,000 per claim

unit. After capping, actuarially accepted loss development techniques are applied to bring accident quarter losses (net of salvage and subrogation) to ultimate. A large loss provision is then applied to the capped ultimate losses. The provision is the average of the trended ratio of uncapped losses to capped losses for the most recent 40 accident quarters. The trend is applied to bring the large loss provision to the latest accident quarter. (CAS Paper: Werner and Modlin, Basic Ratemaking, Casualty Actuarial Society, October 2010. Chapter 6, p. 95-96)

Exhibit I Expense Exhibit Exhibit I summarizes underwriting expense for 2016-2018 and the expected expense

ratio underlying the permissible loss & LAE ratio used in our indication for the period that rates will be in effect. Additionally, please note that the current corporate tax rate of 21% is used in the calculation of our permissible loss & LAE ratio.




4

Exhibit J Accident Year and Accident Quarter Weight Selection Method For each coverage, the accident year (quarter) weights are determined by taking the

annual reported claims counts and comparing to the count of claims required for full credibility.

In selecting the degree of credibility assigned to each coverage, we used a method

similar to those described by L.H. Longley-Cook in his paper An Introduction to Credibility Theory. Longley-Cook points out that a sample of 1,082 claims would result in a frequency calculation, which has a 90% probability of being within 5% of the "actual" underlying frequency. He also points out that this sample size must be multiplied by a factor of (1+ T) to achieve the same degree of confidence in the calculated pure premiums, where T is a measure of the variance of the underlying distribution of claim costs, namely the coefficient of variation of claim costs squared (CV^2). Thus, the number of claims per year (based on a rolling 4-quarter sum) needed to have a 90% probability of that annual pure premium amount's being within 5% of the "actual" is calculated as (1 + CV^2) * 1,082 for each coverage. This is taken as the full credibility standard.

We use a round down rule to get to the selected accident year weight. Once the

accident year weights have been decided, we divide the annual weights evenly to determine the quarterly weights. For COMP, equal weights are selected for each accident quarter.

Exhibit K & L Calculation of Proposed Changes

Exhibit K shows the calculation of the proposed rates for FA2, and Exhibit L shows the calculation of the proposed rates for FSPA. Rates for minor coverages, like BDOC coverages, Loss of Use, Glass Deductible Buyback, Camper and Trailer Base rates, Special Theft, Camper/Trailer Contents, Customized Amount and Rental Coverage, are being revised at the same overall impact as the corresponding major coverage. The FSPA Household Structure classification has been updated as seen in the description in Exhibit 13 and effective for New Business only.

Exhibit M Development of Proposed Territory Factors Exhibit M displays the method used to determine the proposed zip code factors.

Appendix A Statewide Written Premium Impact

Appendix A shows the impact of this pending filing on Farmers’ total Pennsylvania personal auto book of business.

Appendix B Histogram




5

Appendix B shows the histogram and distribution of policies’ rate impacts by rate programs.

Appendices C, D & E Required Premium, Exposure, Expense and Loss Data

Appendices C, D and E contain the premium, exposure, expense and loss data that is required by the Department since Mid-Century Insurance Company is now one of the top 20 insurers in the state of Pennsylvania.

Appendix F Rate History

Please refer to Appendix F for the Rate History of the FA2 and FSPA programs in Mid-Century Insurance Company.

Appendix G Earned Premium On-Level and Loss and ALAE by Programs

Please refer to Appendix G for the Earned Premium On-Level and Loss and ALAE for FA2 and FSPA programs in Mid-Century Insurance Company since the inception of FSPA in 2016Q1.

Our proposed effective date for this filing is May 27, 2020 for New Business and June 27, 2020 for Renewals.

State of: Pennsylvania Appendix A

COVERAGE

CIVIC PROPERTY &

CASUALTY COMPANY

FARMERS NEW CENTURY

INSURANCE COMPANY

MID-CENTURY

INSURANCE COMPANY -

FA2

MID-CENTURY

INSURANCE COMPANY -

FSPA

TRUCK INSURANCE

EXCHANGE

FARMERS

INSURANCE

COMPANY, INC. TOTAL

BI 0 0 14,699,539 12,922,879 0 0 27,622,418

PD 0 0 13,932,709 13,606,754 0 0 27,539,463

UM 0 0 6,765,547 6,047,388 0 0 12,812,935

COMP 0 0 7,232,371 7,626,100 0 0 14,858,471

COLL 0 0 21,358,533 21,472,327 0 0 42,830,860

MEDNF 0 0 6,401,477 4,920,909 0 0 11,322,386

TOW 0 0 479,559 523,104 0 0 1,002,663

Total 0 0 70,869,735 67,119,460 0 0 137,989,196

COVERAGE

CIVIC PROPERTY &

CASUALTY COMPANY

FARMERS NEW CENTURY

INSURANCE COMPANY

MID-CENTURY

INSURANCE COMPANY -

FA2

MID-CENTURY

INSURANCE COMPANY -

FSPA

TRUCK INSURANCE

EXCHANGE

FARMERS

INSURANCE

COMPANY, INC. TOTAL

BI 0.0% 0.0% 8.8% 4.5% 0.0% 0.0% 6.8%

PD 0.0% 0.0% 5.9% 3.0% 0.0% 0.0% 4.5%

UM 0.0% 0.0% 11.2% 5.8% 0.0% 0.0% 8.6%

COMP 0.0% 0.0% 6.6% 3.4% 0.0% 0.0% 4.9%

COLL 0.0% 0.0% 2.5% 1.3% 0.0% 0.0% 1.9%

MEDNF 0.0% 0.0% 3.6% 1.8% 0.0% 0.0% 2.8%

TOW 0.0% 0.0% 2.3% 3.2% 0.0% 0.0% 2.8%

Total 0.0% 0.0% 5.8% 2.9% 0.0% 0.0% 4.4%

COVERAGE

CIVIC PROPERTY &

CASUALTY COMPANY

FARMERS NEW CENTURY

INSURANCE COMPANY

MID-CENTURY

INSURANCE COMPANY -

FA2

MID-CENTURY

INSURANCE COMPANY -

FSPA

TRUCK INSURANCE

EXCHANGE

FARMERS

INSURANCE

COMPANY, INC.

BI 0.0% 0.0% 4.7% 2.1% 0.0% 0.0%

PD 0.0% 0.0% 3.0% 1.5% 0.0% 0.0%

UM 0.0% 0.0% 5.9% 2.7% 0.0% 0.0%

COMP 0.0% 0.0% 3.2% 1.7% 0.0% 0.0%

COLL 0.0% 0.0% 1.2% 0.7% 0.0% 0.0%

MEDNF 0.0% 0.0% 2.0% 0.8% 0.0% 0.0%

TOW 0.0% 0.0% 1.1% 1.7% 0.0% 0.0%

Total 0.0% 0.0% 3.0% 1.4% 0.0% 0.0%

COVERAGE

CIVIC PROPERTY &

CASUALTY COMPANY

FARMERS NEW CENTURY

INSURANCE COMPANY

MID-CENTURY

INSURANCE COMPANY -

FA2

MID-CENTURY

INSURANCE COMPANY -

FSPA

TRUCK INSURANCE

EXCHANGE

FARMERS

INSURANCE

COMPANY, INC. TOTAL

BI 0 0 1,292,089 577,653 0 0 1,869,742

PD 0 0 820,637 405,481 0 0 1,226,118

UM 0 0 756,388 350,144 0 0 1,106,532

COMP 0 0 474,444 255,474 0 0 729,918

COLL 0 0 529,692 279,140 0 0 808,832

MEDNF 0 0 227,252 86,116 0 0 313,368

TOW 0 0 11,126 16,949 0 0 28,074

Total 0 0 4,111,628 1,970,957 0 0 6,082,584

DOLLAR AMOUNT OF CHANGE by COMPANY

EFFECT BY COVERAGE BY COMPANY

WRITTEN PREMIUM by COMPANY

IMPACT OF PROGRAM TO TOTAL ALL PROGRAMS [(INDIV PROG EFFECT X INDIV PROG WP)/(TOTAL WP)]

Appendix B

Mid Century Insurance Company

Pennsylvania

Percentage Rate Change Histogram

Rate Change Distribution Count

x ≤ -9.0% 0.0% 0

-9.0% < x ≤ -6.0% 0.0% 6

-6.0% < x ≤ -3.0% 0.1% 39

-3.0% < x ≤ 0.0% 1.0% 279

0.0% < x ≤ 2.0% 2.3% 653

2.0% < x ≤ 4.0% 5.1% 1,462

4.0% < x ≤ 6.0% 37.2% 10,603

6.0% < x ≤ 8.0% 54.3% 15,492

x > 8.0% < x ≤ 12.0% 0.0% 0

Overall 100.0% 28,534 Maximum: 8.0%


x ≤ -10.0% 0.0% 0

-10.0% < x ≤ -5.0% 0.0% 0

-5.0% < x ≤ 0.0% 1.8% 581

0.0% < x ≤ 2.0% 34.2% 10,818

2.0% < x ≤ 4.0% 52.1% 16,472

4.0% < x ≤ 6.0% 11.5% 3,642

6.0% < x ≤ 8.0% 0.4% 118

8.0% < x ≤ 10.0% 0.0% 3

x > 10.0% 0.0% 0

Overall 100.0% 31,634 Maximum: 10.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

x ≤ -9.0% -9.0% < x ≤

-6.0%

-6.0% < x ≤ -

3.0%

-3.0% < x ≤

0.0%

0.0% < x ≤

2.0%

2.0% < x ≤

4.0%

4.0% < x ≤

6.0%

6.0% < x ≤

8.0%

x > 8.0% < x ≤

12.0%

FA2 % Rate Change - Policies Distribution

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

x ≤ -10.0% -10.0% < x ≤

-5.0%

-5.0% < x ≤

0.0%

0.0% < x ≤

2.0%

2.0% < x ≤

4.0%

4.0% < x ≤

6.0%

6.0% < x ≤

8.0%

8.0% < x ≤

10.0%

x > 10.0%

FSPA % Rate Change - Policies Distribution

Page 1

Appendix B

Mid Century Insurance Company

Pennsylvania

Dollar Rate Change Histogram


x ≤ -$1500.00 0.0% 0

-$1500.00 < x ≤ -$500.00 0.0% 0

-$500.00 < x ≤ $0.00 0.9% 245

$0.00 < x ≤ $250.00 86.2% 24,590

$250.00 < x ≤ $500.00 11.7% 3,336

$500.00 < x ≤ $750.00 1.1% 324

$750.00 < x ≤ $1000.00 0.1% 30

$1000.00 < x ≤ $1250.00 0.0% 8

$1250.00 < x ≤ $1500.00 0.0% 0

x > $1500.00 0.0% 1

Overall 100.0% 28,534 Maximum: $1,606.40


x ≤ -$1200.00 0.0% 0

-$1200.00 < x ≤ -$600.00 0.0% 0

-$600.00 < x ≤ $0.00 0.2% 52

$0.00 < x ≤ $100.00 82.0% 25,944

$100.00 < x ≤ $200.00 15.0% 4,746

$200.00 < x ≤ $400.00 2.7% 853

$400.00 < x ≤ $600.00 0.1% 31

$600.00 < x ≤ $800.00 0.0% 6

$800.00 < x ≤ $1000.00 0.0% 1

x > $1000.00 0.0% 1

Overall 100.0% 31,634 Maximum: $1,078.20

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

100.0%

x ≤

-$1500.00

-$1500.00 <

x ≤ -$500.00

-$500.00 < x

≤ $0.00

$0.00 < x ≤

$250.00

$250.00 < x

≤ $500.00

$500.00 < x

≤ $750.00

$750.00 < x

≤ $1000.00

$1000.00 < x

≤ $1250.00

$1250.00 < x

≤ $1500.00

x > $1500.00

FA2 $ Rate Change - Policies Distribution

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

x ≤

-$1200.00

-$1200.00 <

x ≤ -$600.00

-$600.00 < x

≤ $0.00

$0.00 < x ≤

$100.00

$100.00 < x

≤ $200.00

$200.00 < x

≤ $400.00

$400.00 < x

≤ $600.00

$600.00 < x

≤ $800.00

$800.00 < x

≤ $1000.00

x > $1000.00

FSPA $ Rate Change - Policies Distribution

Page 2

Appendix C - Premium and Exposure Data

Accident Year

EndingEarned Car

Years

Earned Premiums at collected rate

Earned Premiums at current rate

level

Percent of Premium Earned

on an Annual Policy


on a Semi-annual Policy


on other than an Annual or Semi-annual

Policy

BI 2015 Q2 75,750 14,109,927 28,062,475 0% 100% 0%2016 Q2 113,947 21,229,134 38,804,256 0% 100% 0%2017 Q2 134,001 26,404,327 41,310,943 0% 100% 0%2018 Q2 136,545 28,031,536 38,636,828 0% 100% 0%2019 Q2 126,112 27,805,752 33,328,646 0% 100% 0%

PD 2015 Q2 75,750 10,276,221 23,939,162 0% 100% 0%2016 Q2 113,947 18,341,186 33,090,471 0% 100% 0%2017 Q2 134,001 25,445,775 36,092,947 0% 100% 0%2018 Q2 136,545 28,554,696 34,734,780 0% 100% 0%2019 Q2 126,112 28,375,270 30,811,527 0% 100% 0%

UM 2015 Q2 65,086 5,200,741 13,173,756 0% 100% 0%2016 Q2 99,793 8,213,914 18,874,774 0% 100% 0%2017 Q2 119,220 10,460,395 20,712,227 0% 100% 0%2018 Q2 122,683 11,923,323 19,858,013 0% 100% 0%2019 Q2 114,272 12,466,566 17,377,764 0% 100% 0%

CCD 2015 Q2 61,301 7,361,555 10,211,408 0% 100% 0%2016 Q2 94,109 10,877,336 14,921,834 0% 100% 0%2017 Q2 112,160 13,028,098 17,549,746 0% 100% 0%2018 Q2 115,587 14,415,169 17,813,473 0% 100% 0%2019 Q2 107,768 14,800,590 16,596,828 0% 100% 0%

COLL 2015 Q2 58,795 21,942,841 30,760,276 0% 100% 0%2016 Q2 90,065 34,774,456 44,306,380 0% 100% 0%2017 Q2 106,881 41,894,109 50,527,397 0% 100% 0%2018 Q2 109,472 45,996,074 49,922,451 0% 100% 0%2019 Q2 101,613 44,691,446 45,375,504 0% 100% 0%

MEDNF 2015 Q2 75,754 7,298,217 12,227,163 0% 100% 0%2016 Q2 113,948 10,044,369 16,638,654 0% 100% 0%2017 Q2 133,998 11,466,540 17,061,039 0% 100% 0%2018 Q2 136,548 13,548,731 15,217,273 0% 100% 0%2019 Q2 126,116 12,485,717 12,509,692 0% 100% 0%

TOW 2015 Q2 43,024 593,950 660,105 0% 100% 0%2016 Q2 66,418 908,683 1,011,156 0% 100% 0%2017 Q2 77,679 1,068,079 1,179,988 0% 100% 0%2018 Q2 79,175 1,107,236 1,212,615 0% 100% 0%2019 Q2 73,018 1,052,364 1,115,061 0% 100% 0%

Mid-Century Insurance CompanyPennsylvania

Premium and Exposure Data

Appendix D - Expense Exhibit

Countrywide Countrywide Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania Pennsylvania

2018

A. Direct Written

PremiumsB. Direct Earned

Premiums

A. Direct Written


Premiums

C. Direct Commission

And Brokerage

D. Direct General

Expenses

E. Direct Other Acq, Field

Supervision And Collection

Expenses

F. Taxes, Licenses And

Fees

G. Incurred Losses,

Excluding IBNR H. Paid Losses

I. Direct Paid Unallocated

Loss Adj. Expenses

J. Direct Paid Allocated Loss

Adjustment Expenses

K. Direct Incurred ALAE, Excluding IBNR

BI 502,895,897 507,559,900 27,975,927 27,937,628 2,917,936 1,488,831 3,376,631 722,649 19,964,604 15,042,560 3,703,818 3,440,152 5,006,464PD 361,380,860 364,778,822 28,850,194 28,984,146 3,115,830 1,544,844 3,503,665 660,662 20,665,520 20,833,956 5,321,327 134,751 180,948UM 146,488,361 145,919,791 12,340,306 12,207,592 1,295,139 647,982 1,469,606 282,481 16,005,276 8,198,710 1,837,951 561,147 1,508,875CCD 186,863,502 186,670,751 15,865,363 15,742,837 1,565,039 836,867 1,897,992 363,233 11,466,997 11,489,420 907,506 27,728 45,048COLL 480,926,089 485,133,447 45,641,155 45,961,292 4,876,099 2,488,991 5,644,967 1,046,111 29,161,007 29,605,399 3,814,255 3,475 -5,348

MEDNF 95,248,014 96,075,251 13,143,366 13,577,010 1,266,134 725,365 1,645,109 301,175 7,160,318 7,385,886 1,961,444 323,842 184,319Total 1,773,802,723 1,786,137,963 143,816,312 144,410,505 15,036,175 7,732,880 17,537,970 3,376,311 104,423,722 92,555,932 17,546,301 4,491,097 6,920,308


2017

A. Direct Written


Premiums

A. Direct Written


Premiums


And Brokerage

D. Direct General

Expenses



Expenses


Fees

G. Incurred Losses,



Loss Adj. Expenses


Adjustment Expenses


BI 514,975,709 513,752,832 28,042,869 27,634,352 3,170,890 1,674,459 3,735,747 728,873 24,573,272 12,275,775 3,025,438 2,171,330 4,947,459PD 368,601,243 367,883,771 28,103,081 27,223,018 3,277,965 1,649,080 3,679,127 651,354 21,531,956 21,709,088 5,492,893 131,469 115,863UM 143,454,762 141,799,556 11,689,591 11,249,599 1,324,770 678,213 1,513,106 270,777 12,464,992 4,523,740 1,195,128 258,743 574,189CCD 183,805,523 185,929,879 15,362,507 15,021,394 1,631,398 907,197 2,023,973 356,175 11,101,465 10,730,422 768,564 16,616 19,184COLL 490,178,751 490,676,068 45,729,856 44,758,053 5,278,191 2,744,881 6,123,877 1,061,125 31,208,425 31,783,140 3,501,115 2,598 -39,169

MEDNF 95,810,167 96,289,135 13,249,670 12,657,912 1,378,084 765,276 1,707,345 306,917 7,974,574 8,286,421 2,219,717 335,298 322,131Total 1,796,826,155 1,796,331,241 142,177,575 138,544,329 16,061,298 8,419,106 18,783,175 3,375,221 108,854,685 89,308,587 16,202,855 2,916,054 5,939,657


2016

A. Direct Written


Premiums

A. Direct Written


Premiums


And Brokerage

D. Direct General

Expenses



Expenses


Fees

G. Incurred Losses,



Loss Adj. Expenses


Adjustment Expenses


BI 493,906,961 485,631,828 25,124,487 23,848,401 3,160,545 1,548,851 3,584,912 640,165 17,151,826 9,835,313 2,137,449 1,255,610 2,456,612PD 354,805,881 347,698,880 23,922,480 22,270,543 3,096,558 1,446,376 3,347,728 555,894 22,288,565 19,786,881 4,416,516 113,052 9,100UM 133,322,000 131,039,162 9,914,729 9,414,042 1,249,532 611,402 1,415,127 230,497 8,997,982 3,022,199 633,739 105,822 407,305CCD 194,023,071 196,490,136 13,406,522 12,844,812 1,577,850 837,516 1,938,482 311,702 8,658,908 8,146,379 567,648 7,161 -8,419COLL 484,179,999 481,714,549 39,830,164 38,176,027 5,089,077 2,489,178 5,761,356 926,938 29,327,157 28,856,349 3,122,724 2,325 -67,093

MEDNF 97,357,818 96,377,062 10,953,257 10,722,810 1,326,343 680,923 1,576,038 254,980 8,299,829 7,990,708 1,830,235 294,894 388,576Total 1,757,595,730 1,738,951,617 123,151,640 117,276,635 15,499,906 7,614,245 17,623,643 2,920,176 94,724,267 77,637,831 12,708,311 1,778,863 3,186,080

Mid-Century Insurance Company

Expense ExhibitPennsylvania

Appendix E - Loss Dev Data - A

A. Earned Exposures

Accident Year

Ending BI PD UM CCD COLL MEDNF TOW2015 Q2 75,750 75,750 65,086 61,301 58,795 75,754 43,0242016 Q2 113,947 113,947 99,793 94,109 90,065 113,948 66,4182017 Q2 134,001 134,001 119,220 112,160 106,881 133,998 77,6792018 Q2 136,545 136,545 122,683 115,587 109,472 136,548 79,1752019 Q2 126,112 126,112 114,272 107,768 101,613 126,116 73,018

Mid-Century Insurance CompanyPennsylvania

Loss Development Data

Appendix E - BI Loss Dev Data

Mid-Century Insurance CompanyPennsylvaniaLoss Development Data: BI

B. Cumulative Reported Counts

Accident Year Ending 12 24 36 48 602015 Q2 968 1,166 1,209 1,217 1,2182016 Q2 1,345 1,663 1,725 1,7442017 Q2 1,437 1,712 1,7562018 Q2 1,516 1,7542019 Q2 1,117

C. Cumulative Claims Closed with Payment

Accident Year Ending 12 24 36 48 602015 Q2 147 433 612 705 7482016 Q2 216 619 897 1,0322017 Q2 271 649 9302018 Q2 281 6132019 Q2 274

D. Cumulative Claims Closed without Payment

Accident Year Ending 12 24 36 48 602015 Q2 245 402 437 446 4492016 Q2 380 553 588 6092017 Q2 375 587 5922018 Q2 464 6152019 Q2 250

E. Cumulative Paid Losses (excluding Loss Adjustment Expense)

Accident Year Ending 12 24 36 48 602015 Q2 485,647 4,131,536 6,708,460 8,955,321 9,705,0932016 Q2 1,368,075 7,169,384 12,107,666 15,450,2992017 Q2 1,390,278 6,873,060 12,092,7542018 Q2 1,599,784 6,978,2272019 Q2 1,340,042

F. Cumulative Paid Allocated Loss Adjustment Expense

Accident Year Ending 12 24 36 48 602015 Q2 63,293 334,862 1,039,254 1,476,915 1,687,3562016 Q2 61,550 648,030 1,784,951 2,752,9302017 Q2 137,140 859,155 2,361,0322018 Q2 94,654 820,0872019 Q2 82,758

G. Incurred Losses on a Case, Formula or Reported Basis, i.e. Excluding IBNR and/or Bulk Reserves and Loss Adjustment Expenses

Accident Year Ending 12 24 36 48 602015 Q2 4,531,002 7,211,198 8,813,660 9,851,400 10,141,2932016 Q2 7,150,214 13,407,774 16,623,210 17,932,3462017 Q2 7,917,224 12,984,520 16,205,7732018 Q2 8,985,279 15,197,1322019 Q2 6,952,664

H. Incurred ALAE on a Case, Formula or Reported Basis, i.e. Excluding IBNR and/or Bulk Reserves

Accident Year Ending 12 24 36 48 602015 Q2 63,293 334,862 1,039,254 1,476,915 1,687,3562016 Q2 61,550 648,030 1,784,951 2,752,9302017 Q2 137,140 859,155 2,361,0322018 Q2 94,654 820,0872019 Q2 82,758

Appendix E - PD Loss Dev Data

Mid-Century Insurance CompanyPennsylvaniaLoss Development Data: PD


Accident Year Ending 12 24 36 48 602015 Q2 2,899 3,856 3,905 3,913 3,9142016 Q2 4,121 5,310 5,382 5,3902017 Q2 4,943 6,174 6,2362018 Q2 4,850 6,0212019 Q2 4,324













Appendix E - UM Loss Dev Data

Mid-Century Insurance CompanyPennsylvaniaLoss Development Data: UM








Accident Year Ending 12 24 36 48 602015 Q2 168,638 1,384,713 2,247,813 2,773,537 2,969,6322016 Q2 569,477 2,789,137 4,686,998 6,448,5942017 Q2 201,590 2,166,039 4,094,7872018 Q2 708,733 3,257,3192019 Q2 196,277


Accident Year Ending 12 24 36 48 602015 Q2 14,095 65,520 129,168 212,430 246,9292016 Q2 7,993 43,457 248,770 356,7432017 Q2 2,181 90,812 207,4492018 Q2 30,184 111,9512019 Q2 648




Accident Year Ending 12 24 36 48 602015 Q2 14,095 65,520 129,168 212,430 246,9292016 Q2 7,993 43,457 248,770 356,7432017 Q2 2,181 90,812 207,4492018 Q2 30,184 111,9512019 Q2 648

Appendix E - CCD Loss Dev Data

Mid-Century Insurance CompanyPennsylvaniaLoss Development Data: CCD















Appendix E - COLL Loss Dev Data

Mid-Century Insurance CompanyPennsylvaniaLoss Development Data: COLL










Accident Year Ending 12 24 36 48 602015 Q2 7,882 8,155 7,848 7,283 7,2332016 Q2 1,703 3,326 2,890 2,6692017 Q2 2,237 2,795 5,3462018 Q2 792 4,6522019 Q2 1,354




Accident Year Ending 12 24 36 48 602015 Q2 7,882 8,155 7,848 7,283 7,2332016 Q2 1,703 3,326 2,890 2,6692017 Q2 2,237 2,795 5,3462018 Q2 792 4,6522019 Q2 1,354

Appendix E - MEDNF Loss Dev Data

Mid-Century Insurance CompanyPennsylvaniaLoss Development Data: MEDNF




Accident Year Ending 12 24 36 48 602015 Q2 789 1,762 1,815 1,832 1,8342016 Q2 1,245 2,432 2,496 2,5292017 Q2 1,460 2,539 2,6322018 Q2 1,268 2,2892019 Q2 1,056











Appendix E - TOW Loss Dev Data

Mid-Century Insurance CompanyPennsylvaniaLoss Development Data: TOW















Appendix F

NB Date RN Date Program Chg Type BI PD UM COMP COLL MEDNF TOW Total

3/1/2011 FA2 Launch

7/14/2012 9/4/2012 FA2 % 17.20% 2.90% 17.90% 18.50% -2.10% 11.00% - 8.70%

$ 230,779 27,395 100,260 111,298 -38,238 94,502 - 525,996

3/25/2013 4/23/2013 FA2 % -4.90% 21.52% 37.01% 9.11% 29.03% 10.36% - 15.50%

$ -184,694 517,875 533,974 159,901 1,345,030 217,405 - 2,589,490

5/12/2014 6/10/2014 FA2 % -1.44% -1.44% -1.44% -1.44% -1.44% -1.44% - -1.44%

$ -124,540 -88,659 -45,823 -61,759 -183,158 -68,637 - -572,576

11/24/2014 12/23/2014 FA2 % -0.30% -0.30% -0.30% -0.30% -0.30% -0.30% - -0.30%

$ -34,850 -24,782 -12,638 -17,785 -52,611 -19,236 - -161,903

1/26/2015 2/24/2015 FA2 % 4.00% 14.00% 2.00% 2.00% 8.50% 2.00% - 6.00%

$ 442,138 1,101,314 80,121 112,104 1,412,920 121,913 - 3,270,510

7/27/2015 8/25/2015 FA2 % 6.60% 22.00% 12.00% 0.00% 6.60% 0.00% - 8.00%

$ 982,686 2,381,073 651,317 0 1,527,233 0 - 5,542,309

1/25/2016 2/24/2016 FA2 % 10.00% 16.00% 7.00% 0.00% 0.00% 0.00% - 5.00%

$ 1,769,971 2,140,038 459,032 0 0 0 - 4,369,041


Pennsylvania

Rate History

Page 1 of 4

Appendix F



Pennsylvania

Rate History

2/15/2016 FSPA Launch

4/26/2016 4/26/2016 FA2 % -0.80% -0.80% -0.80% -0.80% -0.80% -0.80% - -0.80%

$ -177,109 -154,961 -68,739 -89,778 -288,114 -87,889 - -866,589

8/25/2016 FA2 % 5.00% 6.00% 2.00% 2.00% 5.70% 17.00% - 6.00%

$ 1,107,918 1,222,536 174,333 219,647 2,028,440 1,775,118 - 6,527,993

7/27/2016 8/25/2016 FSPA % 5.00% 4.50% 2.00% 5.00% 6.00% 16.00% - 6.00%

$ 94,410 83,861 14,782 45,418 172,522 110,784 - 521,776

7/27/2016 8/25/2016 FA2 and FSPA % 5.00% 5.87% 2.00% 2.23% 5.72% 16.94% - 5.96%

$ 1,202,328 1,306,397 189,116 265,065 2,200,962 1,885,901 - 7,049,769

2/27/2017 FA2 % 6.00% 7.00% 9.50% 4.00% 5.90% 14.50% -0.09% 7.00%

$ 1,275,257 1,402,559 789,817 412,201 1,972,200 1,371,164 -776 7,222,423

1/27/2017 2/27/2017 FSPA % 9.00% 9.00% 13.00% 9.50% 10.00% 13.00% 0.00% 10.00%

$ 437,596 433,926 251,303 230,597 762,831 243,872 0 2,360,124

1/27/2017 2/27/2017 FA2 and FSPA % 6.56% 7.39% 10.16% 5.05% 6.66% 14.25% -0.07% 7.52%

$ 1,712,852 1,836,484 1,041,120 642,798 2,735,031 1,615,036 -776 9,582,547

8/27/2017 FA2 % 4.99% 9.88% 9.49% 2.98% 4.00% 18.80% 0.09% 6.95%

$ 966,925 1,826,468 731,114 281,483 1,240,101 1,660,795 691 6,707,576

7/27/2017 8/27/2017 FSPA % 4.99% 10.08% 9.39% 2.77% 3.88% 19.99% 0.00% 7.02%

$ 395,666 798,133 302,384 114,382 496,270 631,533 0 2,738,369

Page 2 of 4

Appendix F



Pennsylvania

Rate History

7/27/2017 8/27/2017 FA2 and FSPA % 4.99% 9.94% 9.46% 2.92% 3.96% 19.11% 0.06% 6.99%

$ 1,362,591 2,624,601 1,033,498 395,865 1,736,372 2,292,328 691 9,445,945

2/27/2018 FA2 % 4.53% 4.08% 3.91% 3.61% 3.57% 4.88% 3.09% 3.98%

$ 824,542 732,312 297,236 321,421 1,048,527 452,563 21,289 3,697,890

1/27/2018 2/27/2018 FSPA % 4.42% 4.09% 4.64% 3.57% 3.52% 4.79% 3.34% 4.00%

$ 454,304 436,969 203,683 200,686 602,396 209,289 14,575 2,121,901

1/27/2018 2/27/2018 FA2 and FSPA % 4.49% 4.08% 4.18% 3.59% 3.55% 4.85% 3.19% 4.02%

$ 1,278,846 1,169,281 500,919 522,107 1,650,923 661,852 35,864 5,819,791

4/12/2018 FA2 % 0.13% 0.13% 0.00% 0.03% 0.06% 0.03% -0.01% 0.08%

$ 23,662 23,333 0 2,671 17,622 2,782 -69 70,002

8/27/2018 FA2 % 12.74% 6.16% 15.45% 8.23% 3.67% -0.02% 0.89% 7.00%

$ 2,112,099 1,035,418 1,101,961 673,105 982,899 -1,769 5,493 5,909,206

7/27/2018 8/27/2018 FSPA % 8.78% 4.19% 10.69% 5.67% 2.59% 0.01% 0.03% 4.96%

$ 1,011,594 519,003 544,843 367,961 507,070 507 147 2,951,125

Page 3 of 4

Appendix F



Pennsylvania

Rate History

7/27/2018 8/27/2018 FA2 and FSPA % 11.12% 5.32% 13.47% 7.10% 3.21% -0.01% 0.51% 6.09%

$ 3,123,692 1,554,421 1,646,804 1,041,066 1,489,969 -1,262 5,640 8,860,331

2/27/2019 FA2 % 10.50% 5.10% 16.90% 8.00% 0.00% 0.00% 0.00% 5.50%

$ 1,636,034 787,583 1,151,272 615,729 0 0 0 4,190,618

1/27/2019 2/27/2019 FSPA % 3.80% 2.80% 8.20% 3.50% 0.30% 0.20% 0.00% 2.50%

$ 472,174 370,806 459,405 250,646 63,064 10,277 0 1,626,372

1/27/2019 2/27/2019 FA2 and FSPA % 7.53% 4.04% 12.97% 5.83% 0.14% 0.08% 0.00% 4.00%

$ 2,108,208 1,158,389 1,610,676 866,375 63,064 10,277 0 5,816,990

5/11/2019 6/11/2019 FSPA % -0.02% -0.02% -0.02% -0.02% -0.02% -0.02% 0.00% -0.02%

$ -2,609 -2,781 -1,177 -1,504 -4,415 -1,079 0 -13,564

8/27/2019 FA2 % 9.08% 3.08% 22.65% 4.52% -0.02% 0.01% 7.06% 5.23%

$ 1,334,718 429,127 1,532,396 326,903 -4,272 640 33,857 3,653,370

7/27/2019 8/27/2019 FSPA % 5.50% 1.85% 13.76% 2.74% -0.01% -0.01% 4.16% 3.04%

$ 710,758 251,725 832,121 208,955 -2,147 -492 21,761 2,022,681

Page 4 of 4

Appendix G


Earned Premium On-Level and Loss and ALAE by Programs

State of: Pennsylvania

Earned Net Earned Net Earned

Accident Premium @ Incurred Paid Premium @ Incurred Paid Premium @ Incurred Paid

Coverage Quarter Current Levels Loss ALAE Current Levels Loss ALAE Current Levels Loss ALAE

BI 2016 Q3 1,442,758 390,596 80,441 8,914,822 3,632,716 664,807 10,357,579 4,023,312 745,248

2016 Q4 1,998,354 768,744 144,703 8,465,471 3,155,681 564,570 10,463,825 3,924,425 709,274

2017 Q1 2,401,212 695,678 95,630 7,831,506 2,166,180 322,050 10,232,718 2,861,858 417,681

2017 Q2 2,798,909 1,355,393 169,099 7,457,912 2,358,529 319,731 10,256,821 3,713,922 488,830

2017 Q3 3,063,889 896,751 88,074 7,069,020 2,663,898 264,044 10,132,909 3,560,649 352,118

2017 Q4 3,264,658 794,006 71,128 6,608,510 2,795,477 184,251 9,873,168 3,589,483 255,379

2018 Q1 3,315,838 1,044,846 44,823 6,063,970 2,150,450 94,232 9,379,809 3,195,297 139,055

2018 Q2 3,486,026 846,700 17,160 5,764,916 1,453,181 56,375 9,250,942 2,299,882 73,535

2018 Q3 3,563,752 969,167 21,983 5,440,948 1,376,227 36,405 9,004,700 2,345,394 58,388

2018 Q4 3,577,479 912,224 14,711 5,044,089 1,308,138 7,572 8,621,568 2,220,362 22,282

2019 Q1 3,478,349 567,324 828 4,556,052 704,848 1,090 8,034,402 1,272,172 1,919

2019 Q2 3,459,538 425,469 71 4,208,437 289,515 99 7,667,975 714,984 170

PD 2016 Q3 1,364,139 700,247 6,365 7,575,036 4,804,717 49,494 8,939,175 5,504,964 55,859

2016 Q4 1,783,254 1,256,189 39 7,341,701 4,505,342 31,604 9,124,955 5,761,531 31,643

2017 Q1 2,296,571 1,376,164 579 6,675,243 3,506,312 48,279 8,971,815 4,882,477 48,858

2017 Q2 2,691,567 1,619,908 107 6,365,435 3,754,187 20,818 9,057,002 5,374,095 20,925

2017 Q3 2,966,854 1,554,790 2,312 6,038,654 3,561,261 7,406 9,005,508 5,116,051 9,717

2017 Q4 3,197,083 2,053,606 14,804 5,672,862 3,666,136 32,261 8,869,945 5,719,743 47,065

2018 Q1 3,255,069 2,101,620 80 5,210,941 3,160,346 21,044 8,466,010 5,261,966 21,124

2018 Q2 3,427,507 1,976,445 9,017 4,965,810 3,052,173 14,281 8,393,316 5,028,618 23,299

2018 Q3 3,525,282 1,874,709 511 4,693,795 2,859,141 195 8,219,078 4,733,851 706

2018 Q4 3,559,140 2,026,987 158 4,377,445 2,592,014 979 7,936,584 4,619,000 1,137

2019 Q1 3,493,641 1,864,750 165 3,973,531 2,061,063 55 7,467,172 3,925,812 220

2019 Q2 3,498,549 734,778 30 3,690,143 741,621 81 7,188,692 1,476,399 111

UM 2016 Q3 680,489 131,600 7,264 4,459,961 1,533,726 32,188 5,140,450 1,665,326 39,452

2016 Q4 1,282,859 590,100 18,928 3,925,685 1,002,013 60,256 5,208,545 1,592,113 79,184

2017 Q1 1,175,591 271,673 24,911 3,994,256 611,001 35,816 5,169,847 882,674 60,726

2017 Q2 1,385,926 303,327 12,977 3,807,460 191,201 15,110 5,193,386 494,528 28,087

2017 Q3 1,516,892 108,500 20,178 3,655,548 428,012 24,632 5,172,440 536,512 44,810

2017 Q4 1,643,733 471,725 18,571 3,428,398 771,747 25,878 5,072,131 1,243,471 44,448

2018 Q1 1,677,935 287,858 132 3,165,848 668,105 7,499 4,843,783 955,963 7,631

2018 Q2 1,764,637 254,418 7,741 3,005,022 220,250 7,321 4,769,659 474,668 15,062

2018 Q3 1,815,059 521,500 15 2,841,059 394,469 135 4,656,118 915,969 150

2018 Q4 1,830,964 335,843 0 2,659,449 176,877 40 4,490,413 512,720 40

2019 Q1 1,788,517 173,193 129 2,417,155 221,740 209 4,205,672 394,933 338

2019 Q2 1,785,574 161,250 0 2,239,986 26,250 120 4,025,561 187,500 120

MEDNF 2016 Q3 583,571 293,262 9,916 3,733,666 1,698,702 50,090 4,317,238 1,991,964 60,006

2016 Q4 739,863 486,337 31,637 3,626,691 1,988,527 48,887 4,366,554 2,474,864 80,524

2017 Q1 956,363 423,190 18,568 3,253,136 1,484,003 33,889 4,209,498 1,907,193 52,457

2017 Q2 1,102,915 511,260 8,468 3,064,835 1,183,943 39,641 4,167,749 1,695,203 48,109

2017 Q3 1,188,586 491,773 12,319 2,876,778 1,464,913 69,167 4,065,364 1,956,687 81,486

2017 Q4 1,259,430 634,583 14,537 2,655,639 1,374,475 47,993 3,915,069 2,009,057 62,530

2018 Q1 1,245,553 644,605 5,334 2,415,107 1,026,356 14,585 3,660,660 1,670,961 19,919

2018 Q2 1,297,813 598,978 5,243 2,278,367 1,150,753 15,906 3,576,180 1,749,732 21,149

2018 Q3 1,304,658 838,997 10,967 2,125,740 969,544 16,789 3,430,399 1,808,541 27,756

2018 Q4 1,289,666 726,791 51 1,955,492 910,511 17,987 3,245,158 1,637,302 18,038

2019 Q1 1,244,744 707,682 7,087 1,753,481 821,554 1,770 2,998,225 1,529,236 8,857

2019 Q2 1,227,758 575,709 5 1,608,152 679,669 5 2,835,910 1,255,378 10

CCD 2016 Q3 646,619 361,814 0 3,587,459 1,411,468 7,449 4,234,078 1,773,282 7,449

2016 Q4 872,222 731,236 0 3,533,707 2,464,514 2,328 4,405,929 3,195,750 2,328

2017 Q1 1,145,745 535,753 0 3,267,004 1,386,732 3,068 4,412,749 1,922,486 3,068

2017 Q2 1,360,053 623,570 1,418 3,136,936 1,776,909 3,695 4,496,990 2,400,479 5,112

2017 Q3 1,520,387 671,548 1,609 3,009,041 1,368,538 3,055 4,529,428 2,040,086 4,663

2017 Q4 1,657,907 1,215,728 7,084 2,860,620 2,204,118 8,500 4,518,527 3,419,846 15,584

2018 Q1 1,728,584 945,025 4,544 2,653,512 1,331,524 258 4,382,096 2,276,549 4,802

2018 Q2 1,842,411 995,633 500 2,541,011 1,287,699 0 4,383,422 2,283,332 500

2018 Q3 1,918,152 950,167 1,000 2,426,136 977,466 1,000 4,344,288 1,927,633 2,000

2018 Q4 1,967,789 1,566,345 0 2,286,047 1,821,342 3,112 4,253,836 3,387,687 3,112

2019 Q1 1,957,094 980,479 1,000 2,100,301 1,046,677 0 4,057,395 2,027,157 1,000

2019 Q2 1,985,492 502,625 0 1,955,818 464,681 0 3,941,310 967,306 0

FSPA FA2 FSPA and FA2 Total

Page 1 of 2

Appendix G


Earned Premium On-Level and Loss and ALAE by Programs

State of: Pennsylvania

Earned Net Earned Net Earned

Accident Premium @ Incurred Paid Premium @ Incurred Paid Premium @ Incurred Paid

Coverage Quarter Current Levels Loss ALAE Current Levels Loss ALAE Current Levels Loss ALAE

FSPA FA2 FSPA and FA2 Total

COLL 2016 Q3 1,921,549 953,088 15 10,438,933 6,172,011 54 12,360,483 7,125,099 69

2016 Q4 2,586,243 1,748,307 969 10,077,099 7,000,914 (278) 12,663,342 8,749,220 690

2017 Q1 3,300,587 2,045,082 340 9,355,397 5,857,660 1,130 12,655,984 7,902,742 1,470

2017 Q2 3,882,389 1,994,029 79 8,965,198 5,361,198 3,039 12,847,588 7,355,227 3,118

2017 Q3 4,297,396 2,062,699 193 8,541,339 5,166,084 55 12,838,734 7,228,783 248

2017 Q4 4,644,187 2,954,701 0 8,053,514 5,766,910 3,608 12,697,701 8,721,611 3,608

2018 Q1 4,787,570 3,033,573 40 7,418,707 5,067,351 339 12,206,277 8,100,923 379

2018 Q2 5,087,299 2,679,318 346 7,092,440 4,027,030 70 12,179,739 6,706,348 416

2018 Q3 5,276,825 2,691,792 65 6,730,427 4,054,460 183 12,007,252 6,746,251 248

2018 Q4 5,361,330 3,689,293 114 6,297,133 4,795,602 362 11,658,464 8,484,895 476

2019 Q1 5,294,580 3,530,288 0 5,727,657 4,237,007 405 11,022,237 7,767,295 405

2019 Q2 5,346,653 1,927,640 145 5,340,898 2,168,613 80 10,687,552 4,096,253 225

TOW 2016 Q3 43,659 25,011 0 244,926 138,627 0 288,585 163,638 0

2016 Q4 60,652 35,034 0 224,419 124,704 0 285,071 159,739 0

2017 Q1 79,190 42,853 0 221,076 106,029 0 300,267 148,882 0

2017 Q2 93,873 43,649 0 212,192 105,436 0 306,065 149,085 0

2017 Q4 115,798 73,139 0 191,710 130,582 0 307,508 203,720 0

2018 Q1 121,208 88,948 0 177,649 137,055 0 298,856 226,003 0

2018 Q2 128,437 76,745 0 169,503 106,892 0 297,940 183,637 0

2018 Q3 133,068 90,369 0 160,614 105,513 0 293,682 195,882 0

2018 Q4 135,125 84,710 0 150,561 95,498 0 285,686 180,208 0

2019 Q1 134,154 77,734 0 137,611 83,526 0 271,766 161,260 0

2019 Q2 135,225 48,576 0 128,703 48,356 0 263,928 96,932 0

Page 2 of 2

Exhibit A

All CompaniesPennsylvania

Line of Business: AutoEvaluation Date: 2019 Q2

(1) (2) (3) (4) (5)

Coverage

Trended 12-month Prem @ Current

Rates

Non-Credibility Weighted Indicated

Changes

Credibility Weighted Indicated

ChangesSelected Changes:

FA2Selected Changes:

FSPABodily Injury 28,945,008 39.7% 39.7% 8.8% 4.5%Property Damage 28,684,570 24.9% 24.9% 5.9% 3.0%Uninsured Motorists 15,467,766 42.6% 36.1% 11.2% 5.8%Comprehensive 16,571,685 21.0% 21.0% 6.6% 3.4%Collision 43,729,912 7.2% 7.2% 2.5% 1.3%Medical/No Fault 9,940,594 0.0% 0.0% 3.6% 1.8%Towing 1,108,139 6.0% 6.0% 2.3% 3.2%Overall 144,447,674 22.1% 21.4% 6.0% 3.0%

Effective Date: 06/27/2020Indication by Coverage

Farmers Auto 2.0 (FA2) and Farmers Smart Plan Auto (FSPA)

Page 1 of 79

Exhibit B-1

Program: All Programs CombinedState: PennsylvaniaCoverage: Bodily Injury

Rate Level Indication[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14] [15]

Direct Direct BI BI =[3]x[4]x[5] BI BI BI BI =([11]÷[6])+[12]Collected Earned Historical Future BI Trended Ultimate Historical Future Ratio of Excess BI Trended Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Losses to Losses & A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Capped Losses DCC Ratio LAE Ratio Claims Weights

2016 Q3 32,561 6,318,255 10,357,579 0.8253 0.8924 7,628,705 5,397,908 0.9924 0.9955 0.3036 6,625,528 11.0% 97.8% 304 0.00%2016 Q4 33,445 6,580,743 10,463,825 0.8399 0.8924 7,842,641 5,470,931 0.9930 0.9955 0.3036 6,705,867 11.0% 96.5% 314 0.00%2017 Q1 33,539 6,624,989 10,232,718 0.8546 0.8924 7,804,449 4,040,431 0.9937 0.9955 0.3036 4,977,040 11.0% 74.8% 236 0.00%2017 Q2 34,456 6,880,340 10,256,821 0.8697 0.8924 7,960,555 5,561,870 0.9944 0.9955 0.3036 6,819,381 11.0% 96.7% 300 0.00%2017 Q3 34,966 7,049,027 10,132,909 0.8850 0.8924 8,002,839 5,570,023 0.9951 0.9955 0.3036 6,853,571 11.0% 96.6% 292 12.50%2017 Q4 34,658 7,079,996 9,873,168 0.9006 0.8924 7,934,980 5,800,649 0.9958 0.9955 0.3036 7,188,108 11.0% 101.6% 314 12.50%2018 Q1 33,388 6,910,221 9,379,809 0.9164 0.8924 7,671,187 5,430,257 0.9965 0.9955 0.3036 6,795,762 11.0% 99.6% 279 12.50%2018 Q2 33,533 6,992,292 9,250,942 0.9326 0.8924 7,698,993 4,202,619 0.9972 0.9955 0.3036 5,252,722 11.0% 79.2% 259 12.50%2018 Q3 33,370 6,994,030 9,004,700 0.9490 0.8924 7,625,996 4,965,485 0.9979 0.9955 0.3036 6,208,770 11.0% 92.4% 252 12.50%2018 Q4 32,376 7,041,085 8,621,568 0.9657 0.8924 7,430,070 5,127,229 0.9986 0.9955 0.3036 6,450,886 11.0% 97.8% 256 12.50%2019 Q1 30,537 6,908,932 8,034,402 0.9827 0.8924 7,045,950 3,930,703 0.9993 0.9955 0.3036 4,896,119 11.0% 80.5% 214 12.50%2019 Q2 29,830 6,861,704 7,667,975 1.0000 0.8924 6,842,992 4,444,094 1.0000 0.9955 0.3036 5,560,704 11.0% 92.3% 231 12.50%

[16] Weighted Loss Ratio 92.5%[17] Permissible Loss and LAE Ratio 66.2%[18] Non- Credibility Weighted Indicated Change 39.7%[19] Ultimate Incurred Claims 2,097

Notes: Effective Date: 06/27/2020 [20] Credibility 1.000[1] From internal report [21] Loss Ratio Trend -0.1%[2] From internal report [22] Cred. Wtd. Indicated Rate Change 39.7%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[10] Refer to Exhibit H-1 for BI's Large Loss Load.[11] ([8] x [9]) x {[7] + ([10] x Ultimate Incurred Loss)}[15] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[16] Total of [13] using [15] as weights[18] {[16] ÷ [17]} - 1[20] {[19] / 1084} ^ 0.50[21] {{[1.00 + -0.003] / [1.00 + 0]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[22] [(18) x (20)] + {[1.00 - (20)] x (21)}

Page 2 of 79

Exhibit B-2

Program: All Programs CombinedState: PennsylvaniaCoverage: Property Damage

Rate Level Indication[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]

Direct Direct PD PD =[3]x[4]x[5] PD PD PD =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future PD Trended Ultimate Historical Future PD Trended Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Losses & A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor DCC Ratio LAE Ratio Claims Weights

2016 Q3 32,561 5,997,920 8,939,175 0.9067 0.9439 7,650,377 5,577,337 1.0240 1.0141 5,791,431 11.0% 86.7% 1594 0.00%2016 Q4 33,445 6,329,613 9,124,955 0.9148 0.9439 7,879,247 5,814,010 1.0218 1.0141 6,024,191 11.0% 87.5% 1628 0.00%2017 Q1 33,539 6,410,096 8,971,815 0.9230 0.9439 7,816,330 4,967,823 1.0196 1.0141 5,136,332 11.0% 76.7% 1465 0.00%2017 Q2 34,456 6,708,146 9,057,002 0.9312 0.9439 7,961,147 5,446,524 1.0174 1.0141 5,619,147 11.0% 81.6% 1564 0.00%2017 Q3 34,966 6,935,024 9,005,508 0.9395 0.9439 7,986,712 5,196,813 1.0152 1.0141 5,349,979 11.0% 78.0% 1464 0.00%2017 Q4 34,658 7,167,308 8,869,945 0.9480 0.9439 7,936,872 5,895,358 1.0130 1.0141 6,056,046 11.0% 87.3% 1693 0.00%2018 Q1 33,388 7,162,092 8,466,010 0.9564 0.9439 7,643,210 5,425,344 1.0108 1.0141 5,561,223 11.0% 83.8% 1444 0.00%2018 Q2 33,533 7,290,271 8,393,316 0.9650 0.9439 7,645,383 5,265,548 1.0087 1.0141 5,385,804 11.0% 81.4% 1490 0.00%2018 Q3 33,370 7,297,247 8,219,078 0.9736 0.9439 7,553,658 5,035,686 1.0065 1.0141 5,139,604 11.0% 79.0% 1382 25.00%2018 Q4 32,376 7,233,138 7,936,584 0.9823 0.9439 7,359,300 5,203,228 1.0043 1.0141 5,299,171 11.0% 83.0% 1383 25.00%2019 Q1 30,537 6,981,130 7,467,172 0.9911 0.9439 6,985,985 5,082,470 1.0022 1.0141 5,165,042 11.0% 84.9% 1308 25.00%2019 Q2 29,830 6,863,754 7,188,692 1.0000 0.9439 6,785,627 4,867,221 1.0000 1.0141 4,935,647 11.0% 83.7% 1359 25.00%


Notes: Effective Date: 06/27/2020 [19] Credibility 1.000[1] From internal report [20] Loss Ratio Trend 2.3%[2] From internal report [21] Cred. Wtd. Indicated Rate Change 24.9%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[14] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[15] Total of [12] using [14] as weights[17] {[15] ÷ [16]} - 1[19] {[18] / 1084} ^ 0.50[20] {{[1.00 + 0.009] / [1.00 + -0.035]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[21] [(17) x (19)] + {[1.00 - (19)] x (20)}

Page 3 of 79

Exhibit B-3

Program: All Programs CombinedState: PennsylvaniaCoverage: Uninsured Motorist


Direct Direct UM UM =[3]x[4]x[5] UM UM UM UMBI =([11]÷[6])+[12]Collected Earned Historical Future UM Trended Ultimate Historical Future Ratio of Excess UM Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Losses to Trended A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Capped Losses Losses & DCC Ratio LAE Ratio Claims Weights

2016 Q3 28,789 2,495,349 5,140,450 0.8307 0.9137 3,901,426 2,197,670 1.1801 1.1024 0.4230 4,025,236 11.0% 114.2% 66 8.25%2016 Q4 29,931 2,603,978 5,208,545 0.8448 0.9137 4,020,353 2,371,218 1.1624 1.1024 0.4230 4,230,370 11.0% 116.2% 58 8.25%2017 Q1 29,812 2,608,338 5,169,847 0.8592 0.9137 4,058,365 1,449,553 1.1451 1.1024 0.4230 2,511,883 11.0% 72.9% 48 8.25%2017 Q2 30,689 2,752,729 5,193,386 0.8738 0.9137 4,146,194 958,398 1.1280 1.1024 0.4230 1,624,638 11.0% 50.2% 55 8.25%2017 Q3 31,277 2,894,915 5,172,440 0.8886 0.9137 4,199,718 1,237,013 1.1111 1.1024 0.4230 2,024,099 11.0% 59.2% 50 8.25%2017 Q4 31,107 2,993,616 5,072,131 0.9037 0.9137 4,188,328 2,690,998 1.0945 1.1024 0.4230 4,478,450 11.0% 117.9% 73 8.25%2018 Q1 30,071 2,996,054 4,843,783 0.9191 0.9137 4,067,809 2,159,929 1.0782 1.1024 0.4230 3,593,126 11.0% 99.3% 53 8.25%2018 Q2 30,229 3,038,738 4,769,659 0.9348 0.9137 4,073,698 1,456,127 1.0621 1.1024 0.4230 2,306,991 11.0% 67.6% 58 8.25%2018 Q3 30,165 3,050,444 4,656,118 0.9507 0.9137 4,044,372 2,783,826 1.0462 1.1024 0.4230 4,481,150 11.0% 121.8% 82 8.50%2018 Q4 29,311 3,122,357 4,490,413 0.9668 0.9137 3,966,788 2,115,757 1.0306 1.1024 0.4230 3,328,430 11.0% 94.9% 79 8.50%2019 Q1 27,689 3,116,074 4,205,672 0.9833 0.9137 3,778,450 2,506,370 1.0152 1.1024 0.4230 3,899,508 11.0% 114.2% 55 8.50%2019 Q2 27,107 3,177,692 4,025,561 1.0000 0.9137 3,678,157 2,217,246 1.0000 1.1024 0.4230 3,365,721 11.0% 102.5% 60 8.50%

[16] Weighted Loss Ratio 94.4%[17] Permissible Loss and LAE Ratio 66.2%[18] Non- Credibility Weighted Indicated Change 42.6%[19] Ultimate Incurred Claims 737

Notes: Effective Date: 06/27/2020 [20] Credibility 0.824[1] From internal report [21] Loss Ratio Trend 6.0%[2] From internal report [22] Cred. Wtd. Indicated Rate Change 36.1%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[10] Refer to Exhibit G-2 for UMBI's Large Loss Load.[11] ([8] x [9]) x {[7] + ([10] x Ultimate Incurred Loss)}[15] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[16] Total of [13] using [15] as weights[18] {[16] ÷ [17]} - 1[20] {[19] / 1084} ^ 0.50[21] {{[1.00 + 0.062] / [1.00 + -0.054]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[22] [(18) x (20)] + {[1.00 - (20)] x (21)}

Page 4 of 79

Exhibit B-4

Program: All Programs CombinedState: PennsylvaniaCoverage: Medical/No Fault


Direct Direct MEDNF MEDNF =[3]x[4]x[5] MEDNF MEDNF MEDNF =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future MEDNF Trended Ultimate Historical Future MEDNF Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Trended A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Losses & DCC Ratio LAE Ratio Claims Weights

2016 Q3 32,561 2,615,688 4,317,238 0.7212 0.8324 2,591,710 2,075,020 0.8756 0.9248 1,680,308 11.0% 75.8% 685 0.00%2016 Q4 33,443 2,821,920 4,366,554 0.7429 0.8324 2,700,374 2,586,679 0.8863 0.9248 2,120,078 11.0% 89.5% 750 0.00%2017 Q1 33,539 2,927,961 4,209,498 0.7653 0.8324 2,681,761 1,989,573 0.8970 0.9248 1,650,487 11.0% 72.5% 601 0.00%2017 Q2 34,455 3,100,971 4,167,749 0.7884 0.8324 2,735,242 1,771,361 0.9079 0.9248 1,487,312 11.0% 65.4% 628 0.00%2017 Q3 34,967 3,233,997 4,065,364 0.8122 0.8324 2,748,516 2,103,944 0.9190 0.9248 1,788,019 11.0% 76.1% 650 7.50%2017 Q4 34,659 3,394,984 3,915,069 0.8367 0.8324 2,726,735 2,160,186 0.9301 0.9248 1,858,112 11.0% 79.1% 649 7.50%2018 Q1 33,389 3,440,025 3,660,660 0.8619 0.8324 2,626,439 1,766,531 0.9414 0.9248 1,537,960 11.0% 69.6% 527 7.50%2018 Q2 33,534 3,479,725 3,576,180 0.8879 0.8324 2,643,212 1,891,602 0.9529 0.9248 1,666,849 11.0% 74.1% 578 7.50%2018 Q3 33,372 3,411,934 3,430,399 0.9147 0.8324 2,611,931 1,975,356 0.9644 0.9248 1,761,793 11.0% 78.5% 537 17.50%2018 Q4 32,376 3,242,993 3,245,158 0.9423 0.8324 2,545,409 1,750,348 0.9761 0.9248 1,580,071 11.0% 73.1% 534 17.50%2019 Q1 30,537 2,996,070 2,998,225 0.9707 0.8324 2,422,649 1,543,777 0.9880 0.9248 1,410,521 11.0% 69.2% 432 17.50%2019 Q2 29,830 2,834,719 2,835,910 1.0000 0.8324 2,360,605 1,816,001 1.0000 0.9248 1,679,400 11.0% 82.1% 527 17.50%


Notes: Effective Date: 06/27/2020 [19] Credibility 1.000[1] From internal report [20] Loss Ratio Trend 3.3%[2] From internal report [21] Cred. Wtd. Indicated Rate Change 13.9%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[14] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[15] Total of [12] using [14] as weights[17] {[15] ÷ [16]} - 1[19] [(18) / 1084] ^ 0.50[20] {{[1.00 + -0.047] / [1.00 + -0.107]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[21] [(17) x (19)] + {[1.00 - (19)] x (20)}

Page 5 of 79

Exhibit B-5

Program: All Programs CombinedState: PennsylvaniaCoverage: Comprehensive


Direct Direct COMP COMP =[3]x[4]x[5] COMP COMP COMP =[7]x[8]x[9]x[10] =([11]÷[6])+[12]Collected Earned Historical Future COMP Trended Ultimate Historical Future Catastrophe Cat-Adjusted Projected Ultimate Accident

Accident Earned Earned Premium @ Prem Trend Prem Trend Current Level Incurred Loss Trend Loss Trend Adjustment Trended A&O Loss & Incurred QuarterQuarter Exposures Premium Current Levels Factor Factor Premium Loss & DCC Factor Factor Factor Losses & DCC Ratio LAE Ratio Claims Weights

2016 Q3 27,079 3,077,826 4,234,078 0.9803 1.0013 4,155,919 1,780,425 1.1149 1.0661 1.1537 2,441,508 11.0% 69.7% 1055 8.33%2016 Q4 27,966 3,229,400 4,405,929 0.9821 1.0013 4,332,430 3,197,554 1.1039 1.0661 1.1537 4,341,695 11.0% 111.2% 1411 8.33%2017 Q1 28,185 3,284,343 4,412,749 0.9838 1.0013 4,346,995 1,925,237 1.0930 1.0661 1.1537 2,588,406 11.0% 70.5% 1136 8.33%2017 Q2 28,930 3,436,529 4,496,990 0.9856 1.0013 4,438,004 2,405,448 1.0823 1.0661 1.1537 3,202,219 11.0% 83.2% 1253 8.33%2017 Q3 29,425 3,564,072 4,529,428 0.9874 1.0013 4,478,113 2,046,332 1.0716 1.0661 1.1537 2,697,354 11.0% 71.2% 1150 8.33%2017 Q4 29,295 3,627,100 4,518,527 0.9892 1.0013 4,475,426 3,448,053 1.0611 1.0661 1.1537 4,500,311 11.0% 111.6% 1379 8.33%2018 Q1 28,400 3,576,824 4,382,096 0.9910 1.0013 4,348,158 2,289,977 1.0507 1.0661 1.1537 2,959,420 11.0% 79.1% 1388 8.33%2018 Q2 28,468 3,647,172 4,383,422 0.9928 1.0013 4,357,351 2,292,211 1.0403 1.0661 1.1537 2,933,168 11.0% 78.3% 1481 8.33%2018 Q3 28,351 3,690,603 4,344,288 0.9946 1.0013 4,326,272 1,942,049 1.0301 1.0661 1.1537 2,460,647 11.0% 67.9% 1241 8.33%2018 Q4 27,632 3,735,258 4,253,836 0.9964 1.0013 4,243,866 3,428,444 1.0200 1.0661 1.1537 4,301,233 11.0% 112.4% 1513 8.33%2019 Q1 26,217 3,686,098 4,057,395 0.9982 1.0013 4,055,218 2,102,740 1.0099 1.0661 1.1537 2,612,091 11.0% 75.4% 1205 8.33%2019 Q2 25,567 3,688,632 3,941,310 1.0000 1.0013 3,946,329 1,985,927 1.0000 1.0661 1.1537 2,442,716 11.0% 72.9% 1300 8.33%


Notes: Effective Date: 06/27/2020 [20] Credibility 1.000[1] From internal report [21] Loss Ratio Trend 1.9%[2] From internal report [22] Cred. Wtd. Indicated Rate Change 21.0%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[10] Refer to Exhibit G for Catastrophe Adjustment Factor.[15] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[16] Total of [13] using [15] as weights[18] {[16] ÷ [17]} - 1[20] {[19] / 1084} ^ 0.50[21] {{[1.00 + 0.04] / [1.00 + 0.001]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[22] [(18) x (20)] + {[1.00 - (20)] x (21)}

Page 6 of 79

Exhibit B-6

Program: All Programs CombinedState: PennsylvaniaCoverage: Collision


Direct Direct COLL COLL =[3]x[4]x[5] COLL COLL COLL =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future COLL Trended Ultimate Historical Future COLL Projected Ultimate Accident


2016 Q3 25,886 9,883,378 12,360,483 0.9506 0.9706 11,405,064 7,125,168 0.9617 0.9773 6,697,005 11.0% 69.7% 1880 0.00%2016 Q4 26,675 10,323,279 12,663,342 0.9550 0.9706 11,738,420 8,749,910 0.9652 0.9773 8,253,326 11.0% 81.3% 2014 0.00%2017 Q1 26,798 10,589,597 12,655,984 0.9594 0.9706 11,785,722 7,904,212 0.9686 0.9773 7,482,107 11.0% 74.5% 2012 0.00%2017 Q2 27,523 11,097,856 12,847,588 0.9638 0.9706 12,019,346 7,353,312 0.9720 0.9773 6,985,352 11.0% 69.1% 1969 0.00%2017 Q3 27,973 11,466,382 12,838,734 0.9683 0.9706 12,066,475 7,225,645 0.9755 0.9773 6,888,455 11.0% 68.1% 1911 0.00%2017 Q4 27,765 11,604,218 12,697,701 0.9728 0.9706 11,988,982 8,722,429 0.9789 0.9773 8,344,927 11.0% 80.6% 2077 0.00%2018 Q1 26,805 11,371,889 12,206,277 0.9772 0.9706 11,578,156 8,104,538 0.9824 0.9773 7,781,321 11.0% 78.2% 2045 0.00%2018 Q2 26,928 11,553,584 12,179,739 0.9818 0.9706 11,606,283 6,686,774 0.9859 0.9773 6,442,904 11.0% 66.5% 1817 0.00%2018 Q3 26,838 11,593,058 12,007,252 0.9863 0.9706 11,494,703 6,716,865 0.9894 0.9773 6,494,886 11.0% 67.5% 1777 25.00%2018 Q4 26,080 11,442,761 11,658,464 0.9908 0.9706 11,212,293 8,319,759 0.9929 0.9773 8,073,384 11.0% 83.0% 1937 25.00%2019 Q1 24,625 10,975,406 11,022,237 0.9954 0.9706 10,649,319 7,304,694 0.9965 0.9773 7,113,556 11.0% 77.8% 1811 25.00%2019 Q2 24,070 10,680,221 10,687,552 1.0000 0.9706 10,373,596 6,062,591 1.0000 0.9773 5,924,927 11.0% 68.1% 1633 25.00%


Notes: Effective Date: 06/27/2020 [19] Credibility 1.000[1] From internal report [20] Loss Ratio Trend 0.2%[2] From internal report [21] Cred. Wtd. Indicated Rate Change 7.2%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[14] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[15] Total of [12] using [14] as weights[17] {[15] ÷ [16]} - 1[19] {[18] / 1084} ^ 0.50[20] {{[1.00 + -0.014] / [1.00 + -0.018]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[21] [(17) x (19)] + {[1.00 - (19)] x (20)}

Page 7 of 79

Exhibit B-7

Program: All Programs CombinedState: PennsylvaniaCoverage: Towing


Direct Direct TOW TOW =[3]x[4]x[5] TOW TOW TOW =[7]x[8]x[9] =([10]÷[6])+[11]Collected Earned Historical Future TOW Trended Ultimate Historical Future TOW Projected Ultimate Accident


2016 Q3 18,881 260,489 288,585 0.9915 0.9950 284,697 163,638 1.0271 1.0159 170,734 11.0% 71.0% 1872 0.00%2016 Q4 19,401 257,858 285,071 0.9923 0.9950 281,448 159,739 1.0246 1.0159 166,261 11.0% 70.1% 1847 0.00%2017 Q1 19,458 272,070 300,267 0.9930 0.9950 296,681 148,882 1.0221 1.0159 154,586 11.0% 63.1% 1743 0.00%2017 Q2 19,938 277,662 306,065 0.9938 0.9950 302,645 149,085 1.0196 1.0159 154,421 11.0% 62.0% 1676 0.00%2017 Q3 20,219 279,996 308,311 0.9946 0.9950 305,103 178,314 1.0171 1.0159 184,248 11.0% 71.4% 1780 0.00%2017 Q4 20,072 279,621 307,508 0.9954 0.9950 304,544 203,720 1.0147 1.0159 209,989 11.0% 80.0% 1965 0.00%2018 Q1 19,422 272,375 298,856 0.9961 0.9950 296,206 226,003 1.0122 1.0159 232,392 11.0% 89.5% 2141 0.00%2018 Q2 19,463 275,244 297,940 0.9969 0.9950 295,527 183,637 1.0098 1.0159 188,370 11.0% 74.7% 1733 0.00%2018 Q3 19,322 275,551 293,682 0.9977 0.9950 291,529 195,882 1.0073 1.0159 200,443 11.0% 79.8% 1788 25.00%2018 Q4 18,716 269,600 285,686 0.9984 0.9950 283,812 180,208 1.0049 1.0159 183,958 11.0% 75.8% 1703 25.00%2019 Q1 17,705 257,182 271,766 0.9992 0.9950 270,193 162,066 1.0024 1.0159 165,037 11.0% 72.1% 1532 25.00%2019 Q2 17,276 250,031 263,928 1.0000 0.9950 262,604 140,765 1.0000 1.0159 142,997 11.0% 65.5% 1371 25.00%


Notes: Effective Date: 06/27/2020 [19] Credibility 1.000[1] From internal report [20] Loss Ratio Trend 0.6%[2] From internal report [21] Cred. Wtd. Indicated Rate Change 6.0%[3] The Collected Earned Premium is brought to current rate levels using the parallelogram method[14] Refer to Exhibit J for Accident Year/Quarter Weight Selection Method[15] Total of [12] using [14] as weights[17] {[15] ÷ [16]} - 1[19] [(18) / 1084] ^ 0.50[20] {{[1.00 + 0.01] / [1.00 + -0.003]} ^ 0.50} - 1.00. Refer to Exhibits D, E and F for annual future loss and premium trend selections[21] [(17) x (19)] + {[1.00 - (19)] x (20)}

Page 8 of 79

Exhibit C-1

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Bodily InjuryFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Net of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 365,715 601,622 643,954 708,204 734,286 809,231 834,554 877,754 923,844 972,344 1,031,994 1,030,494 1,052,894 1,052,894 1,039,394 1,054,394 1,069,394 1,069,394 1,134,464 1,134,464 1,134,464 1,134,464 1,134,464 1,134,4642013 Q4 142,703 394,446 548,526 633,634 721,364 757,123 783,678 766,678 825,978 840,342 855,392 852,954 853,454 859,954 867,454 880,954 887,454 936,454 936,454 936,454 956,454 954,454 954,4542014 Q1 545,993 990,074 988,497 1,050,715 1,176,868 1,238,003 1,374,079 1,486,072 1,572,282 1,596,832 1,627,316 1,660,532 1,679,395 1,735,842 1,738,341 1,763,938 1,763,438 1,762,901 1,771,087 1,771,087 1,771,087 1,771,0872014 Q2 271,397 874,519 1,135,324 1,309,514 1,426,948 1,543,210 1,644,358 1,833,898 1,998,357 1,993,407 2,027,968 2,079,693 2,081,057 2,085,703 2,075,703 2,091,853 2,101,853 2,101,853 2,101,853 2,101,853 2,101,8532014 Q3 476,077 924,220 1,176,700 1,475,452 1,577,445 1,726,155 1,893,017 2,025,797 2,142,380 2,193,075 2,207,750 2,274,450 2,401,475 2,415,324 2,564,594 2,505,694 2,522,694 2,523,694 2,539,694 2,539,6942014 Q4 348,280 886,688 1,271,495 1,460,584 1,511,899 1,638,484 1,788,583 1,948,237 2,035,937 2,134,334 2,162,087 2,253,037 2,291,725 2,333,125 2,301,125 2,320,910 2,377,449 2,462,949 2,457,9492015 Q1 425,531 880,196 1,115,968 1,394,280 1,482,407 1,651,121 1,766,021 1,830,827 1,974,655 2,013,919 2,065,669 2,076,521 2,091,621 2,140,288 2,137,371 2,137,371 2,113,571 2,103,9692015 Q2 503,860 897,491 991,946 1,140,111 1,294,788 1,431,210 1,550,570 1,613,090 1,761,093 1,884,547 1,991,882 2,073,281 2,100,681 2,149,713 2,124,071 2,156,071 2,156,0712015 Q3 860,007 1,763,027 2,008,014 2,164,862 2,473,145 2,786,245 2,992,580 3,083,482 3,344,232 3,525,156 3,575,080 3,622,483 3,685,643 3,693,157 3,659,957 3,674,9572015 Q4 850,558 1,607,697 1,794,581 1,935,785 2,324,528 2,561,717 2,704,257 2,984,650 3,235,181 3,480,959 3,541,521 3,535,055 3,551,870 3,555,934 3,619,0622016 Q1 593,007 1,284,335 1,552,464 1,858,698 2,169,586 2,395,376 2,634,003 2,737,553 2,923,581 3,188,453 3,266,703 3,446,575 3,578,211 3,640,6552016 Q2 606,436 1,851,821 2,345,942 2,566,611 2,882,680 3,032,678 3,378,278 3,505,035 3,795,747 3,950,549 4,186,333 4,283,784 4,374,0752016 Q3 800,057 1,745,593 2,383,598 2,558,544 2,757,219 3,073,395 3,310,571 3,640,628 3,716,577 3,831,728 3,942,860 4,023,3122016 Q4 709,835 1,653,321 1,929,985 2,274,120 2,776,905 3,082,771 3,185,814 3,522,938 3,730,574 3,864,518 3,924,4252017 Q1 1,108,417 1,700,453 2,047,512 2,227,280 2,397,285 2,398,665 2,584,154 2,686,184 2,873,148 2,861,8582017 Q2 718,243 1,870,679 2,110,953 2,424,539 2,640,413 2,907,445 3,106,802 3,353,555 3,713,9222017 Q3 822,640 2,018,835 2,189,722 2,550,605 2,750,277 3,045,461 3,342,257 3,560,6492017 Q4 920,349 1,849,250 2,361,779 2,631,503 3,026,337 3,229,256 3,589,4832018 Q1 899,445 1,980,012 2,353,979 2,806,595 3,142,950 3,195,2972018 Q2 510,383 1,238,508 1,637,691 1,967,359 2,299,8822018 Q3 967,837 1,845,864 2,134,486 2,345,3942018 Q4 751,218 1,749,114 2,220,3622019 Q1 701,053 1,272,1722019 Q2 714,984

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Losses2013 Q3 1,134,464 1.0000 1,134,4642013 Q4 954,454 1.0000 954,4542014 Q1 1,771,087 1.0000 1,771,0872014 Q2 2,101,853 1.0030 2,108,1582014 Q3 2,539,694 1.0080 2,560,0122014 Q4 2,457,949 1.0080 2,477,6122015 Q1 2,103,969 1.0171 2,139,9472015 Q2 2,156,071 1.0232 2,206,0922015 Q3 3,674,957 1.0314 3,790,3502015 Q4 3,619,062 1.0386 3,758,7582016 Q1 3,640,655 1.0386 3,781,1852016 Q2 4,374,075 1.0507 4,595,8412016 Q3 4,023,312 1.0717 4,311,7842016 Q4 3,924,425 1.1017 4,323,5392017 Q1 2,861,858 1.1403 3,263,3772017 Q2 3,713,922 1.1768 4,370,5432017 Q3 3,560,649 1.2474 4,441,5542017 Q4 3,589,483 1.3310 4,777,6022018 Q1 3,195,297 1.4641 4,678,2342018 Q2 2,299,882 1.5593 3,586,2062018 Q3 2,345,394 1.8041 4,231,3252018 Q4 2,220,362 2.0206 4,486,4632019 Q1 1,272,172 2.5662 3,264,6472019 Q2 714,984 5.2607 3,761,317

As of xx Quarters of Development

Estimated Ultimate Losses

Page 9 of 79

Exhibit C-1

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Bodily InjuryFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Net of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242013 Q3 1.6451 1.0704 1.0998 1.0368 1.1021 1.0313 1.0518 1.0525 1.0525 1.0613 0.9985 1.0217 1.0000 0.9872 1.0144 1.0142 1.0000 1.0608 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 2.7641 1.3906 1.1552 1.1385 1.0496 1.0351 0.9783 1.0773 1.0174 1.0179 0.9972 1.0006 1.0076 1.0087 1.0156 1.0074 1.0552 1.0000 1.0000 1.0214 0.9979 1.00002014 Q1 1.8133 0.9984 1.0629 1.1201 1.0519 1.1099 1.0815 1.0580 1.0156 1.0191 1.0204 1.0114 1.0336 1.0014 1.0147 0.9997 0.9997 1.0046 1.0000 1.0000 1.00002014 Q2 3.2223 1.2982 1.1534 1.0897 1.0815 1.0655 1.1153 1.0897 0.9975 1.0173 1.0255 1.0007 1.0022 0.9952 1.0078 1.0048 1.0000 1.0000 1.0000 1.00002014 Q3 1.9413 1.2732 1.2539 1.0691 1.0943 1.0967 1.0701 1.0575 1.0237 1.0067 1.0302 1.0558 1.0058 1.0618 0.9770 1.0068 1.0004 1.0063 1.00002014 Q4 2.5459 1.4340 1.1487 1.0351 1.0837 1.0916 1.0893 1.0450 1.0483 1.0130 1.0421 1.0172 1.0181 0.9863 1.0086 1.0244 1.0360 0.99802015 Q1 2.0685 1.2679 1.2494 1.0632 1.1138 1.0696 1.0367 1.0786 1.0199 1.0257 1.0053 1.0073 1.0233 0.9986 1.0000 0.9889 0.99552015 Q2 1.7812 1.1052 1.1494 1.1357 1.1054 1.0834 1.0403 1.0918 1.0701 1.0570 1.0409 1.0132 1.0233 0.9881 1.0151 1.00002015 Q3 2.0500 1.1390 1.0781 1.1424 1.1266 1.0741 1.0304 1.0846 1.0541 1.0142 1.0133 1.0174 1.0020 0.9910 1.00412015 Q4 1.8902 1.1162 1.0787 1.2008 1.1020 1.0556 1.1037 1.0839 1.0760 1.0174 0.9982 1.0048 1.0011 1.01782016 Q1 2.1658 1.2088 1.1973 1.1673 1.1041 1.0996 1.0393 1.0680 1.0906 1.0245 1.0551 1.0382 1.01752016 Q2 3.0536 1.2668 1.0941 1.1231 1.0520 1.1140 1.0375 1.0829 1.0408 1.0597 1.0233 1.02112016 Q3 2.1818 1.3655 1.0734 1.0777 1.1147 1.0772 1.0997 1.0209 1.0310 1.0290 1.02042016 Q4 2.3292 1.1673 1.1783 1.2211 1.1101 1.0334 1.1058 1.0589 1.0359 1.01552017 Q1 1.5341 1.2041 1.0878 1.0763 1.0006 1.0773 1.0395 1.0696 0.99612017 Q2 2.6045 1.1284 1.1486 1.0890 1.1011 1.0686 1.0794 1.10752017 Q3 2.4541 1.0846 1.1648 1.0783 1.1073 1.0975 1.06532017 Q4 2.0093 1.2772 1.1142 1.1500 1.0671 1.11162018 Q1 2.2014 1.1889 1.1923 1.1198 1.01672018 Q2 2.4266 1.3223 1.2013 1.16902018 Q3 1.9072 1.1564 1.09882018 Q4 2.3284 1.26942019 Q1 1.8147

1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24 24 - UltSelected LDF 2.050 1.270 1.120 1.157 1.065 1.100 1.067 1.060 1.032 1.035 1.028 1.020 1.012 1.000 1.007 1.008 1.006 1.009 1.000 1.005 1.003 1.000 1.000 1.000Age to Ult 5.2607 2.5662 2.0206 1.8041 1.5593 1.4641 1.3310 1.2474 1.1768 1.1403 1.1017 1.0717 1.0507 1.0386 1.0386 1.0314 1.0232 1.0171 1.0080 1.0080 1.0030 1.0000 1.0000 1.0000

Age-to-Age Development Factors

Page 10 of 79

Exhibit C-1

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Bodily InjuryFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 0 1,168 1,352 1,352 6,771 17,900 41,150 41,150 61,487 81,863 82,403 99,069 101,406 101,560 103,344 115,325 116,965 134,553 145,225 149,919 152,657 153,529 152,029 152,0292013 Q4 35 355 754 6,173 18,285 18,320 34,465 34,465 81,073 123,711 138,501 148,349 150,596 151,015 151,879 153,506 153,901 162,909 178,583 193,562 209,919 218,442 218,8942014 Q1 0 1,595 7,204 9,148 20,418 35,583 58,394 71,694 96,812 148,323 168,439 182,630 186,364 197,117 198,799 200,404 201,492 201,751 201,786 206,266 212,020 220,3112014 Q2 0 457 958 19,664 39,129 54,362 69,677 101,707 170,644 233,086 246,140 267,352 275,499 289,312 290,888 296,379 306,534 309,767 314,490 314,490 314,4902014 Q3 117 7,260 13,713 57,068 78,724 97,347 136,755 163,157 238,947 298,500 307,740 341,021 378,454 381,428 383,961 390,498 403,638 416,369 434,436 434,9702014 Q4 420 1,078 5,762 18,598 42,023 62,498 76,665 96,711 145,094 214,877 258,782 296,745 334,443 361,639 373,112 388,907 416,609 435,962 459,5302015 Q1 103 425 7,241 34,546 48,692 72,093 103,721 142,871 188,709 253,160 303,440 338,086 351,429 368,121 376,350 384,622 385,847 392,4012015 Q2 38 6,880 7,233 14,567 22,947 55,136 87,593 131,034 186,291 266,064 312,046 330,813 345,184 363,201 389,658 398,505 400,4552015 Q3 41 6,720 14,477 35,675 75,722 128,033 172,907 215,997 284,414 377,931 425,298 470,057 488,383 503,137 517,816 529,1052015 Q4 29 7,059 14,877 28,949 78,000 109,174 165,933 233,026 321,318 442,616 519,166 575,709 656,935 742,004 781,3982016 Q1 89 10,686 23,566 44,979 92,930 139,796 155,662 173,004 227,242 378,557 431,089 467,140 506,170 527,8432016 Q2 312 19,131 51,155 73,093 126,305 183,670 256,412 314,863 417,171 607,738 767,982 861,556 914,5852016 Q3 185 7,614 53,976 102,681 162,897 207,653 257,184 294,294 472,063 621,311 671,509 745,2482016 Q4 8 862 17,597 59,678 120,638 208,388 270,628 347,243 490,202 665,105 709,2742017 Q1 36 14,027 31,200 63,457 97,272 129,288 188,869 238,330 318,288 417,6812017 Q2 2,835 19,416 72,190 114,963 164,945 213,370 272,625 360,930 488,8302017 Q3 120 5,292 28,740 52,319 128,327 202,484 242,775 352,1182017 Q4 6,469 20,214 34,849 105,697 133,051 197,997 255,3792018 Q1 142 7,411 7,694 21,733 96,620 139,0552018 Q2 75 7,367 21,446 45,425 73,5352018 Q3 69 2,298 36,257 58,3882018 Q4 253 513 22,2822019 Q1 0 1,9192019 Q2 170

DCC Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor DCC2013 Q3 152,029 1.0000 152,0292013 Q4 218,894 1.0000 218,8942014 Q1 220,311 1.0000 220,3112014 Q2 314,490 1.0300 323,9252014 Q3 434,970 1.0609 461,4602014 Q4 459,530 1.0927 502,1282015 Q1 392,401 1.1364 445,9252015 Q2 400,455 1.1819 473,2982015 Q3 529,105 1.2114 640,9582015 Q4 781,398 1.2477 974,9502016 Q1 527,843 1.2851 678,3302016 Q2 914,585 1.3494 1,234,1412016 Q3 745,248 1.4574 1,086,1242016 Q4 709,274 1.6177 1,147,3922017 Q1 417,681 1.8604 777,0532017 Q2 488,830 2.4371 1,191,3272017 Q3 352,118 3.2048 1,128,4692017 Q4 255,379 4.0060 1,023,0472018 Q1 139,055 5.4081 752,0232018 Q2 73,535 8.3826 616,4132018 Q3 58,388 12.5739 734,1592018 Q4 22,282 28.7567 640,7652019 Q1 1,919 347.1427 666,0562019 Q2 170 4,018.2252 682,777



Page 11 of 79

Exhibit C-1

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Bodily InjuryFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242013 Q3 1.1580 1.0000 5.0075 2.6436 2.2989 1.0000 1.4942 1.3314 1.0066 1.2023 1.0236 1.0015 1.0176 1.1159 1.0142 1.1504 1.0793 1.0323 1.0183 1.0057 0.9902 1.00002013 Q4 10.1443 2.1232 8.1886 2.9621 1.0019 1.8813 1.0000 2.3523 1.5259 1.1196 1.0711 1.0151 1.0028 1.0057 1.0107 1.0026 1.0585 1.0962 1.0839 1.0845 1.0406 1.00212014 Q1 4.5177 1.2700 2.2319 1.7427 1.6411 1.2278 1.3503 1.5321 1.1356 1.0842 1.0204 1.0577 1.0085 1.0081 1.0054 1.0013 1.0002 1.0222 1.0279 1.03912014 Q2 2.0950 20.5318 1.9899 1.3893 1.2817 1.4597 1.6778 1.3659 1.0560 1.0862 1.0305 1.0501 1.0054 1.0189 1.0343 1.0105 1.0152 1.0000 1.00002014 Q3 62.2444 1.8889 4.1617 1.3795 1.2366 1.4048 1.1931 1.4645 1.2492 1.0310 1.1081 1.1098 1.0079 1.0066 1.0170 1.0336 1.0315 1.0434 1.00122014 Q4 2.5690 5.3448 3.2278 2.2596 1.4872 1.2267 1.2615 1.5003 1.4810 1.2043 1.1467 1.1270 1.0813 1.0317 1.0423 1.0712 1.0465 1.05412015 Q1 4.1378 17.0553 4.7707 1.4095 1.4806 1.4387 1.3775 1.3208 1.3415 1.1986 1.1142 1.0395 1.0475 1.0224 1.0220 1.0032 1.01702015 Q2 181.0461 1.0513 2.0141 1.5753 2.4027 1.5887 1.4959 1.4217 1.4282 1.1728 1.0601 1.0434 1.0522 1.0728 1.0227 1.00492015 Q3 162.6017 2.1542 2.4642 2.1225 1.6908 1.3505 1.2492 1.3168 1.3288 1.1253 1.1052 1.0390 1.0302 1.0292 1.02182015 Q4 243.4138 2.1075 1.9460 2.6944 1.3997 1.5199 1.4043 1.3789 1.3775 1.1729 1.1089 1.1411 1.1295 1.05312016 Q1 119.4398 2.2053 1.9086 2.0661 1.5043 1.1135 1.1114 1.3135 1.6659 1.1388 1.0836 1.0835 1.04282016 Q2 61.3492 2.6740 1.4288 1.7280 1.4542 1.3960 1.2280 1.3249 1.4568 1.2637 1.1218 1.06162016 Q3 41.1583 7.0888 1.9024 1.5864 1.2747 1.2385 1.1443 1.6041 1.3162 1.0808 1.10982016 Q4 108.4818 20.4035 3.3915 2.0215 1.7274 1.2987 1.2831 1.4117 1.3568 1.06642017 Q1 394.0222 2.2242 2.0339 1.5329 1.3291 1.4608 1.2619 1.3355 1.31232017 Q2 6.8483 3.7181 1.5925 1.4348 1.2936 1.2777 1.3239 1.35442017 Q3 44.0975 5.4311 1.8205 2.4528 1.5779 1.1990 1.45042017 Q4 3.1246 1.7240 3.0330 1.2588 1.4881 1.28982018 Q1 52.2064 1.0382 2.8248 4.4458 1.43922018 Q2 98.2312 2.9109 2.1181 1.61882018 Q3 33.2142 15.7747 1.61042018 Q4 2.0295 43.45142019 Q1



Page 12 of 79

Exhibit C-2

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 369,884 1,009,947 1,155,709 1,195,980 1,229,100 1,238,156 1,247,173 1,252,139 1,252,139 1,252,404 1,255,889 1,255,889 1,255,889 1,255,889 1,255,889 1,255,889 1,255,889 1,255,889 1,255,889 1,255,889 1,255,889 1,255,889 1,255,889 1,255,8892013 Q4 501,301 1,389,316 1,626,015 1,709,434 1,715,554 1,727,636 1,745,607 1,760,271 1,770,774 1,771,024 1,771,024 1,771,024 1,771,024 1,771,024 1,771,024 1,772,418 1,772,418 1,772,418 1,772,418 1,772,418 1,772,418 1,772,418 1,772,4182014 Q1 550,681 1,452,371 1,608,592 1,737,215 1,800,339 1,809,991 1,811,631 1,811,631 1,818,968 1,831,235 1,834,091 1,834,091 1,834,091 1,834,183 1,836,936 1,836,936 1,836,936 1,836,936 1,836,936 1,836,936 1,836,936 1,836,9362014 Q2 580,897 1,611,719 1,829,347 1,896,460 1,948,162 1,968,669 1,976,781 1,993,796 1,993,796 1,998,796 1,998,796 2,003,796 2,003,796 2,003,796 2,003,796 2,003,796 2,008,796 2,008,796 2,008,796 2,008,796 2,008,7962014 Q3 639,339 1,729,615 2,014,711 2,137,488 2,165,631 2,214,722 2,248,122 2,248,471 2,248,946 2,258,946 2,258,946 2,265,325 2,270,325 2,270,325 2,270,325 2,270,325 2,270,325 2,270,325 2,270,325 2,270,3252014 Q4 916,071 2,189,079 2,636,142 2,793,784 2,859,815 2,900,753 2,923,268 2,938,855 2,973,908 2,981,397 2,981,397 2,981,397 3,029,397 3,029,397 3,029,397 3,029,397 3,029,397 3,029,397 3,029,3972015 Q1 1,026,060 2,741,581 3,314,984 3,513,402 3,633,227 3,650,673 3,683,774 3,702,557 3,721,297 3,721,297 3,729,675 3,730,252 3,731,149 3,731,149 3,733,785 3,733,785 3,733,785 3,734,3212015 Q2 1,059,614 2,926,335 3,397,125 3,556,461 3,612,244 3,684,200 3,688,543 3,692,388 3,714,132 3,714,294 3,719,691 3,719,691 3,719,691 3,719,691 3,719,691 3,719,691 3,719,6912015 Q3 1,067,957 3,101,614 3,815,519 4,077,504 4,346,169 4,376,690 4,405,943 4,429,934 4,450,861 4,480,760 4,490,480 4,490,480 4,490,480 4,490,480 4,495,540 4,495,5402015 Q4 1,235,507 3,533,375 4,094,503 4,405,143 4,458,748 4,473,592 4,512,329 4,516,342 4,541,264 4,554,402 4,559,402 4,559,402 4,559,402 4,557,795 4,557,7952016 Q1 1,489,182 3,711,549 4,272,880 4,492,507 4,615,661 4,654,941 4,719,046 4,735,371 4,741,371 4,745,871 4,747,041 4,747,041 4,747,041 4,747,0412016 Q2 1,388,492 3,854,207 4,642,859 4,955,178 5,019,913 5,059,149 5,169,627 5,253,953 5,287,336 5,318,927 5,343,927 5,344,677 5,345,4562016 Q3 1,532,033 4,127,341 4,884,298 5,118,288 5,375,366 5,429,094 5,459,025 5,493,184 5,531,610 5,546,171 5,547,871 5,561,1592016 Q4 1,575,406 4,442,018 5,298,384 5,626,740 5,702,865 5,750,909 5,803,009 5,806,094 5,813,979 5,823,445 5,840,8412017 Q1 1,322,248 3,876,728 4,408,808 4,636,521 4,763,601 4,812,224 4,835,771 4,847,404 4,912,971 4,940,9582017 Q2 1,506,782 4,286,367 4,998,115 5,211,666 5,300,498 5,383,646 5,417,191 5,436,590 5,459,5692017 Q3 1,607,984 4,002,336 4,651,883 4,952,082 5,064,619 5,151,737 5,203,257 5,211,7842017 Q4 1,891,912 4,564,186 5,234,978 5,508,968 5,646,453 5,780,269 5,804,5622018 Q1 1,587,667 4,255,100 4,837,572 5,168,246 5,304,620 5,361,8572018 Q2 1,562,194 4,011,806 4,632,031 4,929,697 5,086,6802018 Q3 1,681,707 3,906,277 4,588,682 4,848,0792018 Q4 1,477,701 3,980,298 4,723,3492019 Q1 1,602,098 4,027,2512019 Q2 1,483,933

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Losses2013 Q3 1,255,889 1.0000 1,255,8892013 Q4 1,772,418 1.0000 1,772,4182014 Q1 1,836,936 1.0000 1,836,9362014 Q2 2,008,796 1.0000 2,008,7962014 Q3 2,270,325 1.0000 2,270,3252014 Q4 3,029,397 1.0000 3,029,3972015 Q1 3,734,321 1.0000 3,734,3212015 Q2 3,719,691 1.0000 3,719,6912015 Q3 4,495,540 1.0000 4,495,5402015 Q4 4,557,795 1.0000 4,557,7952016 Q1 4,747,041 1.0000 4,747,0412016 Q2 5,345,456 1.0000 5,345,4562016 Q3 5,561,159 1.0010 5,566,7202016 Q4 5,840,841 1.0020 5,852,5232017 Q1 4,940,958 1.0040 4,960,7222017 Q2 5,459,569 1.0070 5,497,7862017 Q3 5,211,784 1.0120 5,274,3252017 Q4 5,804,562 1.0150 5,891,6302018 Q1 5,361,857 1.0231 5,485,7162018 Q2 5,086,680 1.0354 5,266,7492018 Q3 4,848,079 1.0592 5,135,0852018 Q4 4,723,349 1.1175 5,278,3432019 Q1 4,027,251 1.2862 5,179,8502019 Q2 1,483,933 3.3094 4,910,928



Page 13 of 79

Exhibit C-2

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24 24 - 252013 Q3 2.7304 1.1443 1.0348 1.0277 1.0074 1.0073 1.0040 1.0000 1.0002 1.0028 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 2.7714 1.1704 1.0513 1.0036 1.0070 1.0104 1.0084 1.0060 1.0001 1.0000 1.0000 1.0000 1.0000 1.0000 1.0008 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q1 2.6374 1.1076 1.0800 1.0363 1.0054 1.0009 1.0000 1.0040 1.0067 1.0016 1.0000 1.0000 1.0000 1.0015 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q2 2.7745 1.1350 1.0367 1.0273 1.0105 1.0041 1.0086 1.0000 1.0025 1.0000 1.0025 1.0000 1.0000 1.0000 1.0000 1.0025 1.0000 1.0000 1.0000 1.00002014 Q3 2.7053 1.1648 1.0609 1.0132 1.0227 1.0151 1.0002 1.0002 1.0044 1.0000 1.0028 1.0022 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q4 2.3896 1.2042 1.0598 1.0236 1.0143 1.0078 1.0053 1.0119 1.0025 1.0000 1.0000 1.0161 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q1 2.6720 1.2092 1.0599 1.0341 1.0048 1.0091 1.0051 1.0051 1.0000 1.0023 1.0002 1.0002 1.0000 1.0007 1.0000 1.0000 1.00012015 Q2 2.7617 1.1609 1.0469 1.0157 1.0199 1.0012 1.0010 1.0059 1.0000 1.0015 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q3 2.9043 1.2302 1.0687 1.0659 1.0070 1.0067 1.0054 1.0047 1.0067 1.0022 1.0000 1.0000 1.0000 1.0011 1.00002015 Q4 2.8599 1.1588 1.0759 1.0122 1.0033 1.0087 1.0009 1.0055 1.0029 1.0011 1.0000 1.0000 0.9996 1.00002016 Q1 2.4923 1.1512 1.0514 1.0274 1.0085 1.0138 1.0035 1.0013 1.0009 1.0002 1.0000 1.0000 1.00002016 Q2 2.7758 1.2046 1.0673 1.0131 1.0078 1.0218 1.0163 1.0064 1.0060 1.0047 1.0001 1.00012016 Q3 2.6940 1.1834 1.0479 1.0502 1.0100 1.0055 1.0063 1.0070 1.0026 1.0003 1.00242016 Q4 2.8196 1.1928 1.0620 1.0135 1.0084 1.0091 1.0005 1.0014 1.0016 1.00302017 Q1 2.9319 1.1372 1.0516 1.0274 1.0102 1.0049 1.0024 1.0135 1.00572017 Q2 2.8447 1.1660 1.0427 1.0170 1.0157 1.0062 1.0036 1.00422017 Q3 2.4890 1.1623 1.0645 1.0227 1.0172 1.0100 1.00162017 Q4 2.4125 1.1470 1.0523 1.0250 1.0237 1.00422018 Q1 2.6801 1.1369 1.0684 1.0264 1.01082018 Q2 2.5681 1.1546 1.0643 1.03182018 Q3 2.3228 1.1747 1.05652018 Q4 2.6936 1.18672019 Q1 2.5137



Page 14 of 79

Exhibit C-2

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 2 of 2019 Paid Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 (5,413) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,438) (11,471) (11,471) (11,471) (11,471) (11,437) (11,437) (11,437) (11,437) (11,437) (11,437) (11,437) (11,437) (11,437)2013 Q4 (7,669) (14,791) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459) (16,459) (16,521) (16,521) (16,521) (16,521) (16,521) (16,521) (16,521) (16,458) (16,458) (16,458) (16,458)2014 Q1 (5,203) (28,635) (29,310) (29,310) (29,310) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409) (29,409)2014 Q2 (7,777) (16,870) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963) (17,963)2014 Q3 (2,957) (15,805) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750) (22,750)2014 Q4 (6,837) (25,851) (35,975) (35,975) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916) (38,916)2015 Q1 (3,869) (46,246) (53,448) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020) (54,020)2015 Q2 (8,181) (32,394) (37,676) (37,676) (38,660) (38,660) (38,660) (39,481) (39,481) (39,481) (39,481) (39,481) (39,481) (39,481) (39,481) (39,481) (39,481)2015 Q3 (5,966) (49,900) (49,900) (49,900) (49,934) (49,934) (49,934) (49,934) (49,934) (49,934) (49,934) (49,934) (49,934) (49,934) (49,934) (49,934)2015 Q4 (4,398) (43,459) (47,595) (39,659) (39,659) (39,659) (39,659) (39,659) (39,659) (39,659) (39,659) (39,659) (39,659) (39,778) (39,778)2016 Q1 (13,300) (64,995) (71,195) (73,643) (75,383) (75,383) (75,383) (75,383) (75,383) (75,383) (75,383) (75,383) (75,383) (75,383)2016 Q2 (10,686) (67,090) (70,214) (71,164) (74,145) (74,145) (74,782) (74,782) (77,909) (77,909) (77,909) (84,501) (84,501)2016 Q3 (7,113) (44,858) (55,887) (56,195) (56,195) (56,195) (56,195) (56,195) (56,195) (56,195) (56,195) (56,195)2016 Q4 (13,265) (63,305) (78,536) (79,207) (79,207) (79,207) (79,207) (79,207) (79,207) (79,310) (79,310)2017 Q1 (27,134) (55,402) (58,481) (58,481) (58,481) (58,481) (58,481) (58,481) (58,481) (58,481)2017 Q2 (16,810) (61,162) (83,380) (83,558) (85,474) (85,474) (85,474) (85,474) (85,474)2017 Q3 (18,423) (88,721) (95,583) (95,583) (95,733) (95,733) (95,733) (95,733)2017 Q4 (27,452) (63,469) (77,939) (78,581) (78,581) (78,581) (84,819)2018 Q1 (10,625) (83,406) (98,074) (99,021) (99,891) (99,891)2018 Q2 (18,527) (58,239) (57,983) (58,062) (58,062)2018 Q3 (19,820) (98,595) (114,236) (114,228)2018 Q4 (15,995) (89,834) (104,349)2019 Q1 (12,634) (101,439)2019 Q2 (7,534)

Sub&Salv Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Sub&Salv2013 Q3 (11,437) 1.0000 (11,437)2013 Q4 (16,458) 1.0000 (16,458)2014 Q1 (29,409) 1.0000 (29,409)2014 Q2 (17,963) 1.0000 (17,963)2014 Q3 (22,750) 1.0000 (22,750)2014 Q4 (38,916) 1.0000 (38,916)2015 Q1 (54,020) 1.0000 (54,020)2015 Q2 (39,481) 1.0000 (39,481)2015 Q3 (49,934) 1.0000 (49,934)2015 Q4 (39,778) 1.0000 (39,778)2016 Q1 (75,383) 1.0000 (75,383)2016 Q2 (84,501) 1.0000 (84,501)2016 Q3 (56,195) 1.0000 (56,195)2016 Q4 (79,310) 1.0010 (79,389)2017 Q1 (58,481) 1.0010 (58,540)2017 Q2 (85,474) 1.0010 (85,559)2017 Q3 (95,733) 1.0010 (95,829)2017 Q4 (84,819) 1.0020 (84,989)2018 Q1 (99,891) 1.0030 (100,191)2018 Q2 (58,062) 1.0040 (58,294)2018 Q3 (114,228) 1.0140 (115,827)2018 Q4 (104,349) 1.0241 (106,864)2019 Q1 (101,439) 1.2084 (122,578)2019 Q2 (7,534) 10.8756 (81,934)



Page 15 of 79

Exhibit C-2

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 2 of 2019 Paid Subrogation & SalvageEvaluation Date: 2019 Q2




Page 16 of 79

Exhibit C-2

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 0 48 88 88 88 1,273 1,446 1,823 1,823 1,895 2,808 2,808 2,808 2,808 2,808 2,808 2,808 2,808 2,808 2,808 2,808 2,808 2,808 2,8082013 Q4 53 126 126 126 126 201 201 201 201 201 201 201 201 201 201 201 201 201 201 201 201 201 2012014 Q1 0 1,652 1,652 7,362 8,959 9,104 9,104 9,205 16,000 22,722 22,722 22,722 22,722 22,722 22,722 22,722 22,722 22,722 22,722 22,722 22,722 22,7222014 Q2 0 143 143 143 20,180 20,210 28,966 29,583 29,661 29,661 36,115 36,246 36,674 36,931 37,216 38,271 38,271 39,543 39,705 39,705 39,7052014 Q3 125 333 333 333 583 7,262 8,699 8,699 8,699 9,756 9,756 11,447 11,815 11,815 11,815 11,815 11,815 11,815 11,815 11,8152014 Q4 785 3,324 10,003 23,361 23,361 43,527 43,886 50,765 50,765 51,223 51,364 51,364 51,364 51,364 51,364 51,364 51,364 51,364 51,3642015 Q1 1,438 1,438 1,468 1,570 1,070 1,070 13,402 13,527 13,527 13,527 13,527 13,527 13,527 13,527 13,527 13,527 13,527 13,5272015 Q2 240 240 6,919 13,641 13,641 13,641 19,807 19,807 31,209 37,511 37,511 37,511 37,511 37,512 37,512 37,512 37,5122015 Q3 250 328 465 504 6,670 6,670 6,670 6,670 6,670 13,291 13,528 14,691 15,064 15,195 15,195 15,1952015 Q4 143 416 1,127 7,931 8,633 8,939 9,987 15,327 17,633 18,258 19,130 19,711 19,855 19,855 19,8722016 Q1 298 (78) 6,088 12,254 12,319 12,596 17,696 18,003 24,305 24,787 24,787 24,787 24,787 24,7872016 Q2 0 11,659 11,659 19,159 19,159 19,159 19,159 19,159 19,159 19,159 19,159 26,223 26,2232016 Q3 286 12,628 12,736 19,223 32,061 32,180 32,261 38,636 53,971 54,770 55,859 55,8592016 Q4 39 78 6,380 11,480 14,880 15,558 15,613 22,520 22,827 30,402 31,6432017 Q1 1,508 1,788 8,130 12,194 18,496 37,857 38,017 38,001 41,635 48,8582017 Q2 974 7,811 14,113 14,530 20,895 20,925 20,925 20,925 20,9252017 Q3 90 7,694 6,924 6,954 7,401 7,466 8,827 9,7172017 Q4 0 12,744 25,559 32,306 32,306 46,117 47,0652018 Q1 109 189 189 189 6,936 21,1242018 Q2 110 7,217 14,024 21,068 23,2992018 Q3 486 706 706 7062018 Q4 60 1,017 1,1372019 Q1 80 2202019 Q2 111

DCC Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor DCC2013 Q3 2,808 1.1690 3,2822013 Q4 201 1.1690 2352014 Q1 22,722 1.1690 26,5622014 Q2 39,705 1.1690 46,4152014 Q3 11,815 1.1690 13,8122014 Q4 51,364 1.1690 60,0442015 Q1 13,527 1.1702 15,8292015 Q2 37,512 1.1749 44,0732015 Q3 15,195 1.1749 17,8522015 Q4 19,872 1.1784 23,4182016 Q1 24,787 1.1819 29,2962016 Q2 26,223 1.1843 31,0562016 Q3 55,859 1.1961 66,8132016 Q4 31,643 1.2918 40,8762017 Q1 48,858 1.3435 65,6412017 Q2 20,925 1.6391 34,2972017 Q3 9,717 1.8850 18,3172017 Q4 47,065 1.8850 88,7172018 Q1 21,124 1.8850 39,8192018 Q2 23,299 2.4505 57,0932018 Q3 706 23.2798 16,4282018 Q4 1,137 27.9358 31,7492019 Q1 220 114.5368 25,1982019 Q2 111 343.6104 38,227



Page 17 of 79

Exhibit C-2

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Property DamageFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242013 Q3 1.8333 1.0000 1.0000 14.4624 1.1366 1.2603 1.0000 1.0397 1.4814 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 2.3774 1.0000 1.0000 1.0000 1.5952 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q1 1.0000 4.4569 1.2170 1.0162 1.0000 1.0111 1.7381 1.4201 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q2 1.0000 1.0000 141.1189 1.0015 1.4332 1.0213 1.0026 1.0000 1.2176 1.0036 1.0118 1.0070 1.0077 1.0283 1.0000 1.0332 1.0041 1.0000 1.00002014 Q3 2.6640 1.0000 1.0000 1.7508 12.4563 1.1979 1.0000 1.0000 1.1215 1.0000 1.1733 1.0321 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q4 4.2349 3.0091 2.3353 1.0000 1.8632 1.0082 1.1567 1.0000 1.0090 1.0027 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q1 1.0000 1.0209 1.0693 0.6815 1.0000 12.5278 1.0093 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q2 1.0000 28.8292 1.9715 1.0000 1.0000 1.4520 1.0000 1.5757 1.2019 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q3 1.3120 1.4177 1.0839 13.2341 1.0000 1.0000 1.0000 1.0000 1.9927 1.0178 1.0860 1.0254 1.0087 1.0000 1.00002015 Q4 2.9091 2.7100 7.0353 1.0884 1.0355 1.1173 1.5347 1.1504 1.0354 1.0478 1.0304 1.0073 1.0000 1.00092016 Q1 -0.2609 -78.3157 2.0128 1.0053 1.0225 1.4049 1.0173 1.3500 1.0198 1.0000 1.0000 1.0000 1.00002016 Q2 1.0000 1.6433 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.3687 1.00002016 Q3 44.1538 1.0086 1.5093 1.6679 1.0037 1.0025 1.1976 1.3969 1.0148 1.0199 1.00002016 Q4 2.0000 81.7949 1.7994 1.2962 1.0456 1.0035 1.4424 1.0137 1.3318 1.04082017 Q1 1.1857 4.5474 1.5000 1.5168 2.0467 1.0042 0.9996 1.0956 1.17352017 Q2 8.0190 1.8069 1.0295 1.4381 1.0014 1.0000 1.0000 1.00002017 Q3 85.4859 0.8999 1.0043 1.0643 1.0088 1.1824 1.10082017 Q4 2.0056 1.2640 1.0000 1.4275 1.02052018 Q1 1.7339 1.0000 1.0000 36.6984 3.04562018 Q2 65.6091 1.9432 1.5023 1.10592018 Q3 1.4530 1.0000 1.00002018 Q4 16.9417 1.11812019 Q1 2.7500



Page 18 of 79

Exhibit C-3

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Uninsured Motorist Bodily InjuryFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Net of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 32,250 145,327 102,546 121,046 130,646 135,896 136,546 141,046 141,046 143,046 143,046 143,046 143,046 136,668 136,668 136,668 136,668 136,918 206,918 206,918 206,918 206,918 206,918 206,9182013 Q4 6,400 16,410 28,160 101,160 191,910 267,410 264,160 264,410 291,910 291,910 309,160 312,910 377,660 373,660 381,160 381,160 381,160 361,660 361,660 361,660 361,660 361,660 361,6602014 Q1 98,350 126,700 152,568 196,218 203,218 241,868 287,268 333,669 371,419 397,183 399,683 399,611 414,611 414,611 414,611 415,111 460,111 467,111 467,111 467,111 467,111 467,1112014 Q2 43,800 67,750 150,350 208,600 218,350 292,769 348,689 378,189 428,398 543,398 536,898 574,398 619,398 639,398 689,148 685,148 679,148 679,148 667,148 687,148 679,5482014 Q3 105,250 303,021 327,871 337,771 401,521 481,271 624,521 691,771 710,021 709,771 745,271 770,021 772,021 772,021 777,021 777,021 778,521 778,521 777,021 777,0212014 Q4 168,900 370,849 400,367 415,217 436,117 451,492 527,942 544,442 551,442 588,042 588,042 631,292 707,775 709,480 708,480 762,480 774,775 789,775 789,7752015 Q1 63,100 156,103 165,100 219,750 222,150 244,650 261,400 340,200 371,950 350,950 369,050 486,850 577,600 517,100 527,100 507,195 507,695 507,6952015 Q2 79,900 363,750 386,601 441,100 515,100 673,100 745,600 867,850 883,950 880,000 906,250 1,007,500 982,891 987,891 989,891 999,391 1,060,3912015 Q3 128,558 365,408 517,509 695,159 941,724 998,069 1,059,569 1,042,069 1,262,669 1,382,419 1,500,263 1,542,013 1,591,013 1,705,455 1,698,631 1,733,3812015 Q4 75,000 98,800 253,922 387,922 436,672 601,172 632,834 863,942 921,359 955,239 1,165,489 1,162,489 1,189,940 1,194,299 1,271,6652016 Q1 81,374 155,671 165,997 200,397 317,397 334,697 457,905 697,905 840,271 932,158 943,908 1,045,408 1,099,658 1,109,4082016 Q2 154,250 242,500 406,228 433,978 519,978 559,578 623,950 737,000 877,813 878,555 897,305 964,891 974,1412016 Q3 100,250 316,200 380,950 469,200 716,376 941,376 1,044,876 1,156,877 1,459,127 1,497,877 1,637,976 1,665,3262016 Q4 361,350 474,076 543,826 678,326 975,749 1,008,696 1,152,196 1,225,696 1,337,696 1,534,363 1,592,1132017 Q1 158,700 325,464 348,514 472,265 501,765 654,015 706,265 755,265 866,174 882,6742017 Q2 182,750 247,554 260,104 291,354 323,854 368,991 380,038 401,579 494,5282017 Q3 28,050 74,973 203,350 350,950 364,950 417,811 445,662 536,5122017 Q4 420,700 602,725 736,875 856,375 999,275 1,096,776 1,243,4712018 Q1 542,200 776,175 798,858 881,592 950,246 955,9632018 Q2 71,050 101,900 237,800 338,203 474,6682018 Q3 190,350 338,554 569,719 915,9692018 Q4 76,556 203,850 512,7202019 Q1 203,600 394,9332019 Q2 187,500

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Losses2013 Q3 206,918 1.0230 211,6772013 Q4 361,660 1.0230 369,9782014 Q1 467,111 1.0230 477,8552014 Q2 679,548 1.0230 695,1782014 Q3 777,021 1.0230 794,8932014 Q4 789,775 1.0230 807,9402015 Q1 507,695 1.0742 545,3662015 Q2 1,060,391 1.0849 1,150,4182015 Q3 1,733,381 1.1099 1,923,8802015 Q4 1,271,665 1.1321 1,439,6522016 Q1 1,109,408 1.1661 1,293,6812016 Q2 974,141 1.1894 1,158,6432016 Q3 1,665,326 1.2727 2,119,4612016 Q4 1,592,113 1.3809 2,198,5492017 Q1 882,674 1.4472 1,277,4062017 Q2 494,528 1.6643 823,0432017 Q3 536,512 1.8307 982,1922017 Q4 1,243,471 1.9405 2,412,9562018 Q1 955,963 2.1346 2,040,5992018 Q2 474,668 2.5615 1,215,8612018 Q3 915,969 2.8433 2,604,3732018 Q4 512,720 3.7532 1,924,3412019 Q1 394,933 5.8550 2,312,3322019 Q2 187,500 10.5390 1,976,063



Page 19 of 79

Exhibit C-3

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Uninsured Motorist Bodily InjuryFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Net of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242013 Q3 4.5063 0.7056 1.1804 1.0793 1.0402 1.0048 1.0330 1.0000 1.0142 1.0000 1.0000 1.0000 0.9554 1.0000 1.0000 1.0000 1.0018 1.5113 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 2.5641 1.7160 3.5923 1.8971 1.3934 0.9878 1.0009 1.1040 1.0000 1.0591 1.0121 1.2069 0.9894 1.0201 1.0000 1.0000 0.9488 1.0000 1.0000 1.0000 1.0000 1.00002014 Q1 1.2883 1.2042 1.2861 1.0357 1.1902 1.1877 1.1615 1.1131 1.0694 1.0063 0.9998 1.0375 1.0000 1.0000 1.0012 1.1084 1.0152 1.0000 1.0000 1.0000 1.00002014 Q2 1.5468 2.2192 1.3874 1.0467 1.3408 1.1910 1.0846 1.1328 1.2684 0.9880 1.0698 1.0783 1.0323 1.0778 0.9942 0.9912 1.0000 0.9823 1.0300 0.98892014 Q3 2.8791 1.0820 1.0302 1.1887 1.1986 1.2976 1.1077 1.0264 0.9996 1.0500 1.0332 1.0026 1.0000 1.0065 1.0000 1.0019 1.0000 0.9981 1.00002014 Q4 2.1957 1.0796 1.0371 1.0503 1.0353 1.1693 1.0313 1.0129 1.0664 1.0000 1.0735 1.1212 1.0024 0.9986 1.0762 1.0161 1.0194 1.00002015 Q1 2.4739 1.0576 1.3310 1.0109 1.1013 1.0685 1.3015 1.0933 0.9435 1.0516 1.3192 1.1864 0.8953 1.0193 0.9622 1.0010 1.00002015 Q2 4.5526 1.0628 1.1410 1.1678 1.3067 1.1077 1.1640 1.0186 0.9955 1.0298 1.1117 0.9756 1.0051 1.0020 1.0096 1.06102015 Q3 2.8424 1.4163 1.3433 1.3547 1.0598 1.0616 0.9835 1.2117 1.0948 1.0852 1.0278 1.0318 1.0719 0.9960 1.02052015 Q4 1.3173 2.5701 1.5277 1.1257 1.3767 1.0527 1.3652 1.0665 1.0368 1.2201 0.9974 1.0236 1.0037 1.06482016 Q1 1.9130 1.0663 1.2072 1.5838 1.0545 1.3681 1.5241 1.2040 1.1094 1.0126 1.1075 1.0519 1.00892016 Q2 1.5721 1.6752 1.0683 1.1982 1.0762 1.1150 1.1812 1.1911 1.0008 1.0213 1.0753 1.00962016 Q3 3.1541 1.2048 1.2317 1.5268 1.3141 1.1099 1.1072 1.2613 1.0266 1.0935 1.01672016 Q4 1.3120 1.1471 1.2473 1.4385 1.0338 1.1423 1.0638 1.0914 1.1470 1.03762017 Q1 2.0508 1.0708 1.3551 1.0625 1.3034 1.0799 1.0694 1.1468 1.01902017 Q2 1.3546 1.0507 1.1201 1.1115 1.1394 1.0299 1.0567 1.23152017 Q3 2.6728 2.7123 1.7258 1.0399 1.1448 1.0667 1.20392017 Q4 1.4327 1.2226 1.1622 1.1669 1.0976 1.13382018 Q1 1.4315 1.0292 1.1036 1.0779 1.00602018 Q2 1.4342 2.3337 1.4222 1.40352018 Q3 1.7786 1.6828 1.60782018 Q4 2.6628 2.51522019 Q1 1.9397



Page 20 of 79

Exhibit C-3

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Uninsured Motorist Bodily InjuryFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 35 35 35 35 5,117 5,252 5,252 11,931 11,931 11,931 11,931 11,931 11,931 11,931 11,931 11,931 18,283 19,053 19,796 20,027 20,104 20,452 20,529 20,5292013 Q4 35 313 313 313 313 313 313 313 313 313 313 1,138 1,138 7,440 7,440 7,440 9,790 19,990 20,190 21,331 21,609 21,609 21,6092014 Q1 0 45 45 83 5,793 5,793 5,993 6,032 6,032 6,032 12,198 12,198 12,198 18,550 19,188 35,132 35,132 42,587 43,518 49,823 59,180 61,0732014 Q2 76 218 2,153 2,179 8,858 10,886 12,226 13,053 22,498 23,069 39,726 47,578 47,578 50,303 55,834 63,999 67,091 68,736 79,557 82,165 96,2122014 Q3 0 28 5,738 12,417 19,632 21,325 21,626 30,157 38,152 45,863 46,088 46,088 50,657 61,900 62,039 62,049 62,049 62,049 62,049 62,0492014 Q4 0 110 110 6,828 6,828 6,828 6,828 6,828 6,828 28,023 28,991 36,093 49,545 55,117 57,851 60,766 62,431 63,246 65,3642015 Q1 38 1,514 1,514 8,193 8,193 8,202 8,202 14,368 14,368 14,368 14,368 14,368 14,368 21,486 21,808 24,991 33,705 33,7152015 Q2 53 129 167 13,611 20,333 20,333 26,444 28,631 39,721 43,757 50,429 69,320 71,044 72,080 73,821 84,531 85,8012015 Q3 196 6,997 7,170 7,357 8,873 9,623 22,227 22,227 37,079 49,889 57,501 61,547 78,908 84,857 92,289 93,1132015 Q4 78 156 195 6,999 7,068 7,768 7,832 15,549 19,090 47,132 67,113 71,099 74,903 75,767 85,5852016 Q1 230 372 446 6,612 6,612 6,612 6,612 18,150 39,249 76,557 83,258 86,393 102,134 105,3652016 Q2 69 270 6,477 6,786 6,786 15,463 32,310 42,610 43,552 61,892 67,718 72,142 72,6802016 Q3 113 191 191 221 221 227 227 5,352 6,322 11,368 16,625 39,4522016 Q4 39 1,611 1,670 1,670 11,910 32,523 52,390 54,046 62,163 63,644 79,1842017 Q1 78 158 6,501 6,501 16,914 28,682 39,856 46,603 59,689 60,7262017 Q2 132 172 187 1,810 4,388 4,535 11,436 19,776 28,0872017 Q3 70 7,879 7,879 12,660 18,965 31,070 31,929 44,8102017 Q4 0 13,660 17,083 34,710 36,229 36,922 44,4482018 Q1 15 335 407 407 7,631 7,6312018 Q2 106 148 327 527 15,0622018 Q3 110 150 150 1502018 Q4 0 0 402019 Q1 90 3382019 Q2 120

DCC Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor DCC2013 Q3 20,529 1.0640 21,8432013 Q4 21,609 1.0640 22,9922014 Q1 61,073 1.0661 65,1102014 Q2 96,212 1.0842 104,3132014 Q3 62,049 1.1818 73,3302014 Q4 65,364 1.2220 79,8752015 Q1 33,715 1.2550 42,3122015 Q2 85,801 1.2801 109,8332015 Q3 93,113 1.4081 131,1122015 Q4 85,585 1.5489 132,5632016 Q1 105,365 1.6263 171,3562016 Q2 72,680 1.8702 135,9262016 Q3 39,452 1.9824 78,2092016 Q4 79,184 2.1806 172,6702017 Q1 60,726 2.8348 172,1472017 Q2 28,087 4.8192 135,3552017 Q3 44,810 5.6867 254,8212017 Q4 44,448 6.2554 278,0422018 Q1 7,631 15.6385 119,3302018 Q2 15,062 15.9513 240,2662018 Q3 150 1,196.3475 179,4522018 Q4 40 4,785.3900 191,4162019 Q1 338 574.2468 194,0382019 Q2 120 2,009.8638 241,184



Page 21 of 79

Exhibit C-3

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania Uninsured Motorist Bodily InjuryFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242013 Q3 1.0000 1.0000 1.0000 146.1906 1.0264 1.0000 2.2718 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.5324 1.0421 1.0390 1.0117 1.0038 1.0173 1.0038 1.00002013 Q4 8.9531 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 3.6328 1.0000 6.5360 1.0000 1.0000 1.3158 2.0418 1.0100 1.0565 1.0130 1.0000 1.00002014 Q1 1.0000 1.8444 69.7952 1.0000 1.0345 1.0065 1.0000 1.0000 2.0222 1.0000 1.0000 1.5207 1.0344 1.8310 1.0000 1.2122 1.0219 1.1449 1.1878 1.03202014 Q2 2.8684 9.8761 1.0121 4.0652 1.2289 1.1231 1.0676 1.7236 1.0254 1.7220 1.1977 1.0000 1.0573 1.1099 1.1462 1.0483 1.0245 1.1574 1.0328 1.17102014 Q3 204.9286 2.1640 1.5811 1.0862 1.0141 1.3945 1.2651 1.2021 1.0049 1.0000 1.0991 1.2219 1.0022 1.0002 1.0000 1.0000 1.0000 1.00002014 Q4 1.0000 61.9342 1.0000 1.0000 1.0000 1.0000 1.0000 4.1040 1.0345 1.2450 1.3727 1.1125 1.0496 1.0504 1.0274 1.0131 1.03352015 Q1 39.5479 1.0000 5.4106 1.0000 1.0011 1.0000 1.7517 1.0000 1.0000 1.0000 1.0000 1.0000 1.4954 1.0150 1.1459 1.3487 1.00032015 Q2 2.4340 1.2946 81.5030 1.4939 1.0000 1.3006 1.0827 1.3874 1.1016 1.1525 1.3746 1.0249 1.0146 1.0242 1.1451 1.01502015 Q3 35.7008 1.0247 1.0261 1.2060 1.0845 2.3098 1.0000 1.6682 1.3455 1.1526 1.0704 1.2821 1.0754 1.0876 1.00892015 Q4 2.0000 1.2500 35.8923 1.0098 1.0992 1.0082 1.9853 1.2277 2.4689 1.4239 1.0594 1.0535 1.0115 1.12962016 Q1 1.6174 1.1989 14.8251 1.0000 1.0000 1.0000 2.7450 2.1624 1.9506 1.0875 1.0377 1.1822 1.03162016 Q2 3.9130 23.9875 1.0477 1.0000 2.2787 2.0896 1.3188 1.0221 1.4211 1.0941 1.0653 1.00752016 Q3 1.6903 1.0000 1.1571 1.0000 1.0280 1.0000 23.5582 1.1812 1.7981 1.4624 2.37312016 Q4 41.3077 1.0366 1.0000 7.1317 2.7308 1.6108 1.0316 1.1502 1.0238 1.24422017 Q1 2.0256 41.1456 1.0000 2.6018 1.6957 1.3896 1.1693 1.2808 1.01742017 Q2 1.3030 1.0860 9.6895 2.4245 1.0334 2.5219 1.7292 1.42032017 Q3 112.5633 1.0000 1.6067 1.4980 1.6383 1.0277 1.40342017 Q4 1.2506 2.0318 1.0438 1.0191 1.20382018 Q1 22.3333 1.2148 1.0000 18.7500 1.00002018 Q2 1.3985 2.2079 1.6116 28.58212018 Q3 1.3636 1.0000 1.00002018 Q42019 Q1 3.7544



Page 22 of 79

Exhibit C-4

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 318,808 446,347 434,293 449,547 449,135 450,624 462,552 464,417 465,618 495,020 496,096 471,254 471,254 471,254 471,254 471,254 471,254 471,254 471,532 471,532 471,532 471,532 471,532 471,5322013 Q4 503,080 749,507 790,206 756,289 788,437 788,822 786,782 789,185 800,581 793,738 795,226 793,943 795,606 795,631 795,631 795,631 796,510 796,510 796,510 797,090 797,090 797,090 797,0902014 Q1 373,940 567,682 548,776 574,670 592,705 603,170 599,494 610,760 611,022 618,539 615,765 701,148 701,148 701,148 701,147 701,147 701,147 701,148 703,900 716,719 717,251 717,0542014 Q2 457,699 655,757 742,924 765,106 781,752 803,334 804,920 809,867 816,088 819,334 817,624 823,131 823,130 823,116 821,430 821,430 821,430 821,430 821,430 821,430 821,4302014 Q3 594,829 995,898 1,014,137 1,037,739 1,041,367 1,038,447 1,021,656 1,028,124 1,048,061 1,051,653 1,052,712 1,056,778 1,061,584 1,062,534 1,062,575 1,062,462 1,062,887 1,067,887 1,100,172 1,097,7282014 Q4 844,362 1,187,669 1,238,793 1,273,425 1,243,833 1,237,886 1,248,786 1,251,317 1,249,384 1,266,160 1,284,448 1,274,864 1,281,115 1,275,976 1,284,074 1,291,988 1,292,784 1,287,784 1,286,9592015 Q1 870,698 1,844,425 1,861,744 1,768,907 1,788,013 1,770,452 1,771,050 1,777,204 1,778,016 1,784,706 1,783,685 1,784,262 1,792,040 1,795,121 1,797,425 1,798,145 1,798,505 1,795,5352015 Q2 1,035,294 2,030,999 1,912,661 1,830,187 1,811,701 1,811,180 1,798,616 1,821,998 1,832,596 1,845,711 1,866,380 1,869,881 1,891,567 1,891,571 1,890,100 1,890,507 1,890,5072015 Q3 1,701,454 2,333,116 2,125,681 2,081,555 2,046,929 2,068,393 2,082,743 2,022,539 2,051,702 2,062,336 2,071,004 2,070,304 2,067,495 2,071,501 2,070,307 2,098,9362015 Q4 1,507,861 2,203,956 2,080,886 2,039,373 2,030,940 2,060,108 2,054,612 2,105,598 2,105,724 2,124,134 2,146,325 2,140,556 2,138,227 2,145,809 2,150,5192016 Q1 1,471,002 2,108,406 1,951,743 1,839,957 1,814,525 1,818,942 1,815,999 1,817,258 1,860,881 1,870,391 1,879,495 1,878,532 1,868,669 1,875,1762016 Q2 1,534,342 2,301,169 2,149,340 2,076,049 2,106,012 2,120,885 2,146,000 2,143,873 2,158,464 2,162,089 2,157,136 2,158,309 2,167,3912016 Q3 1,629,207 2,271,665 1,971,266 1,880,218 1,898,660 1,942,597 1,954,131 1,979,066 1,999,296 1,993,745 1,997,056 2,005,0642016 Q4 1,690,672 2,689,385 2,406,500 2,367,576 2,374,619 2,392,528 2,410,068 2,443,413 2,488,750 2,486,051 2,488,1522017 Q1 1,375,055 2,266,534 2,031,741 1,884,526 1,824,398 1,955,202 1,952,033 1,959,256 1,969,177 1,913,4752017 Q2 1,421,935 1,998,033 1,711,824 1,659,300 1,678,015 1,694,755 1,673,124 1,677,533 1,697,3642017 Q3 1,600,766 2,273,185 2,062,478 1,948,108 1,915,568 1,938,944 1,952,405 1,957,5352017 Q4 1,588,112 2,464,811 2,246,276 2,046,197 2,032,914 2,014,304 2,025,4572018 Q1 1,287,122 1,897,980 1,737,036 1,696,319 1,665,507 1,683,9022018 Q2 1,328,678 1,942,012 1,857,919 1,754,965 1,762,0982018 Q3 1,478,281 2,070,216 1,861,588 1,809,3122018 Q4 1,342,650 1,839,550 1,638,1322019 Q1 1,129,189 1,529,2792019 Q2 1,255,378

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Losses2013 Q3 471,532 1.0000 471,5322013 Q4 797,090 1.0000 797,0902014 Q1 717,054 1.0000 717,0542014 Q2 821,430 1.0000 821,4302014 Q3 1,097,728 1.0000 1,097,7282014 Q4 1,286,959 1.0010 1,288,2462015 Q1 1,795,535 1.0030 1,800,9212015 Q2 1,890,507 1.0030 1,896,1792015 Q3 2,098,936 1.0030 2,105,2332015 Q4 2,150,519 1.0050 2,161,2722016 Q1 1,875,176 1.0060 1,886,4272016 Q2 2,167,391 1.0070 2,182,5632016 Q3 2,005,064 1.0090 2,023,1092016 Q4 2,488,152 1.0090 2,510,5462017 Q1 1,913,475 1.0120 1,936,4372017 Q2 1,697,364 1.0120 1,717,7322017 Q3 1,957,535 1.0221 2,000,7972017 Q4 2,025,457 1.0323 2,090,8792018 Q1 1,683,902 1.0395 1,750,4172018 Q2 1,762,098 1.0603 1,868,3532018 Q3 1,809,312 1.0518 1,903,0352018 Q4 1,638,132 1.0202 1,671,2232019 Q1 1,529,279 0.9590 1,466,5792019 Q2 1,255,378 1.3906 1,745,729



Page 23 of 79

Exhibit C-4

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2




Page 24 of 79

Exhibit C-4

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 2 of 2019 Paid Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 0 445 445 445 445 445 445 445 445 445 445 445 445 445 445 445 445 445 445 445 445 445 445 4452013 Q4 0 0 0 (432) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761) (761)2014 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02014 Q2 0 0 (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300) (4,300)2014 Q3 0 (150) (329) (1,630) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879) (1,879)2014 Q4 0 0 0 (2,300) (2,300) (2,300) (2,300) (2,602) (2,602) (2,602) (2,602) (2,602) (2,602) (2,602) (2,602) (2,602) (2,602) (2,602) (2,602)2015 Q1 0 0 0 (3,361) (3,361) (3,361) (3,361) (3,361) (3,361) (3,361) (3,361) (3,361) (3,361) (3,361) (3,361) (3,361) (3,361) (3,361)2015 Q2 0 0 (1,166) (1,803) (1,840) (1,840) (1,840) (1,840) (1,840) (1,840) (1,840) (1,840) (1,840) (1,840) (1,840) (1,840) (1,840)2015 Q3 0 0 (5,176) (6,272) (6,856) (7,189) (7,189) (7,435) (7,435) (7,435) (7,435) (7,435) (7,435) (7,435) (7,435) (7,435)2015 Q4 0 (4,600) (5,094) (6,014) (6,014) (6,014) (7,079) (8,926) (8,926) (8,926) (8,926) (8,926) (8,926) (8,926) (8,926)2016 Q1 0 (210) (210) (414) (478) (645) (645) (5,534) (5,534) (5,534) (5,534) (5,534) (5,534) (5,534)2016 Q2 0 (8,135) (10,995) (14,608) (14,608) (16,808) (16,808) (16,995) (16,995) (21,226) (21,226) (21,226) (21,226)2016 Q3 0 (621) (1,389) (3,654) (3,694) (8,344) (10,035) (10,035) (13,100) (13,100) (13,100) (13,100)2016 Q4 0 (59) (330) (4,389) (6,311) (4,916) (4,916) (7,416) (13,289) (13,289) (13,289)2017 Q1 0 (1,053) (3,319) (3,810) (3,810) (6,282) (6,282) (6,282) (6,282) (6,282)2017 Q2 0 (173) (770) (770) (770) (1,950) (1,950) (1,950) (2,161)2017 Q3 0 0 (438) (849) (849) (849) (849) (849)2017 Q4 0 (1,091) (5,471) (5,857) (5,857) (13,606) (16,399)2018 Q1 0 0 0 (7,942) (12,942) (12,942)2018 Q2 0 0 (5,326) (7,685) (12,367)2018 Q3 0 0 (607) (771)2018 Q4 0 0 (831)2019 Q1 0 (43)2019 Q2 0

Sub&Salv Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Sub&Salv2013 Q3 445 1.0000 4452013 Q4 (761) 1.0000 (761)2014 Q1 0 1.0000 02014 Q2 (4,300) 1.0000 (4,300)2014 Q3 (1,879) 1.0000 (1,879)2014 Q4 (2,602) 1.0000 (2,602)2015 Q1 (3,361) 1.0000 (3,361)2015 Q2 (1,840) 1.0000 (1,840)2015 Q3 (7,435) 1.0000 (7,435)2015 Q4 (8,926) 1.0000 (8,926)2016 Q1 (5,534) 1.0000 (5,534)2016 Q2 (21,226) 1.0000 (21,226)2016 Q3 (13,100) 1.0000 (13,100)2016 Q4 (13,289) 1.0000 (13,289)2017 Q1 (6,282) 1.0000 (6,282)2017 Q2 (2,161) 1.0300 (2,225)2017 Q3 (849) 1.0815 (918)2017 Q4 (16,399) 1.1302 (18,535)2018 Q1 (12,942) 1.1980 (15,504)2018 Q2 (12,367) 1.3777 (17,037)2018 Q3 (771) 2.2043 (1,700)2018 Q4 (831) 3.1962 (2,655)2019 Q1 (43) 71.9527 (3,111)2019 Q2 0 5,396.4525 0



Page 25 of 79

Exhibit C-4

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 2 of 2019 Paid Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24 24 - 252013 Q3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 1.7642 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q12014 Q2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q3 2.1883 4.9526 1.1525 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q4 1.0000 1.0000 1.0000 1.1312 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q2 1.5467 1.0203 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q3 1.2118 1.0931 1.0485 1.0000 1.0342 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q4 1.1073 1.1806 1.0000 1.0000 1.1771 1.2610 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002016 Q1 1.0000 1.9733 1.1539 1.3494 1.0000 8.5774 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002016 Q2 1.3517 1.3286 1.0000 1.1506 1.0000 1.0111 1.0000 1.2490 1.0000 1.0000 1.00002016 Q3 2.2384 2.6301 1.0110 2.2588 1.2027 1.0000 1.3054 1.0000 1.0000 1.00002016 Q4 5.6301 13.2964 1.4379 0.7790 1.0000 1.5085 1.7919 1.0000 1.00002017 Q1 3.1536 1.1478 1.0000 1.6489 1.0000 1.0000 1.0000 1.00002017 Q2 4.4436 1.0000 1.0000 2.5314 1.0000 1.0000 1.10822017 Q3 1.9380 1.0000 1.0000 1.0000 1.00002017 Q4 5.0138 1.0704 1.0000 2.3232 1.20532018 Q1 1.6296 1.00002018 Q2 1.4430 1.60912018 Q3 1.27002018 Q42019 Q1



Page 26 of 79

Exhibit C-4

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 0 1,702 5,567 37,670 37,670 39,789 40,577 40,857 41,716 41,836 41,916 41,956 41,956 41,956 41,956 41,956 41,956 41,956 42,706 42,706 42,706 42,706 42,706 42,7062013 Q4 0 9 2,624 5,004 8,224 10,564 11,769 13,899 15,109 17,249 17,789 18,571 18,659 18,659 18,666 18,723 20,921 20,945 20,945 20,945 20,945 20,945 20,9452014 Q1 0 150 153 2,563 6,677 8,331 8,692 10,632 12,754 12,814 13,346 14,105 23,075 25,070 27,468 27,468 31,864 31,864 31,864 32,459 32,354 32,3542014 Q2 0 307 307 1,602 2,097 2,097 3,097 3,097 3,097 3,097 5,248 5,248 5,248 5,248 5,248 5,248 5,248 5,248 5,248 5,248 5,2482014 Q3 56 2,098 7,907 14,269 18,379 25,491 26,875 33,781 40,368 40,894 40,914 41,208 41,557 43,755 44,090 44,142 44,142 44,450 50,546 50,5462014 Q4 0 87 2,380 5,320 7,305 10,327 11,606 16,121 18,161 18,161 22,557 22,562 26,148 26,148 26,898 26,898 27,593 27,593 28,3882015 Q1 740 3,574 13,629 23,523 27,409 31,501 34,132 38,214 38,274 38,288 38,288 38,288 38,328 40,648 40,675 40,675 40,675 40,6752015 Q2 0 1,104 17,549 35,023 68,832 88,401 94,736 105,431 116,317 118,846 119,157 125,751 130,676 132,823 133,108 133,108 135,5722015 Q3 10 3,589 9,857 18,413 28,031 34,963 38,772 39,165 39,332 52,804 53,396 52,787 53,609 53,633 53,633 56,4472015 Q4 0 2,247 16,505 34,259 51,402 70,281 79,728 86,370 93,104 102,450 106,358 109,568 112,779 131,362 133,8262016 Q1 93 9,180 22,021 37,961 44,091 47,358 48,815 48,827 54,736 57,751 63,959 65,759 65,776 65,7762016 Q2 6 7,213 30,684 53,005 69,484 75,200 79,667 88,645 91,777 93,136 96,823 102,976 103,1532016 Q3 0 3,878 13,838 27,777 35,973 46,264 49,342 49,788 56,716 58,561 59,111 60,0062016 Q4 0 7,329 26,920 40,354 54,484 57,555 68,802 71,410 78,793 79,838 80,5242017 Q1 0 1,986 7,247 24,989 31,589 36,794 40,077 47,345 52,128 52,4572017 Q2 15 1,028 15,403 28,259 38,553 41,415 41,683 47,932 48,1092017 Q3 415 10,348 38,198 48,970 63,067 67,337 75,053 81,4862017 Q4 370 5,364 17,691 30,886 49,411 59,363 62,5302018 Q1 15 627 1,818 11,331 17,934 19,9192018 Q2 48 52 10,239 15,364 21,1492018 Q3 235 4,790 21,038 27,7562018 Q4 0 13,370 18,0382019 Q1 0 8,8572019 Q2 10

DCC Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor DCC2013 Q3 42,706 1.0000 42,7062013 Q4 20,945 1.0000 20,9452014 Q1 32,354 1.0000 32,3542014 Q2 5,248 1.0000 5,2482014 Q3 50,546 1.0000 50,5462014 Q4 28,388 1.0040 28,5012015 Q1 40,675 1.0140 41,2442015 Q2 135,572 1.0150 137,6052015 Q3 56,447 1.0180 57,4632015 Q4 133,826 1.0211 136,6502016 Q1 65,776 1.0313 67,8352016 Q2 103,153 1.0622 109,5692016 Q3 60,006 1.0834 65,0102016 Q4 80,524 1.1105 89,4222017 Q1 52,457 1.1327 59,4192017 Q2 48,109 1.1610 55,8542017 Q3 81,486 1.2771 104,0662017 Q4 62,530 1.4048 87,8422018 Q1 19,919 1.5874 31,6192018 Q2 21,149 1.9049 40,2872018 Q3 27,756 2.6669 74,0222018 Q4 18,038 4.5337 81,7792019 Q1 8,857 9.0674 80,3082019 Q2 10 7,027.2350 70,272



Page 27 of 79

Exhibit C-4

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania No FaultFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242013 Q3 3.2709 6.7666 1.0000 1.0563 1.0198 1.0069 1.0210 1.0029 1.0019 1.0010 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0179 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 300.5418 1.9071 1.6435 1.2845 1.1141 1.1810 1.0871 1.1416 1.0313 1.0440 1.0048 1.0000 1.0004 1.0031 1.1174 1.0011 1.0000 1.0000 1.0000 1.0000 1.00002014 Q1 1.0228 16.7085 2.6047 1.2477 1.0433 1.2232 1.1996 1.0047 1.0415 1.0569 1.6359 1.0865 1.0957 1.0000 1.1600 1.0000 1.0000 1.0187 0.9968 1.00002014 Q2 1.0000 5.2182 1.3090 1.0000 1.4767 1.0000 1.0000 1.0000 1.6946 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q3 37.4643 3.7688 1.8046 1.2881 1.3869 1.0543 1.2570 1.1950 1.0130 1.0005 1.0072 1.0085 1.0529 1.0077 1.0012 1.0000 1.0070 1.1371 1.00002014 Q4 27.5039 2.2348 1.3731 1.4137 1.1239 1.3890 1.1265 1.0000 1.2421 1.0002 1.1589 1.0000 1.0287 1.0000 1.0258 1.0000 1.02882015 Q1 4.8300 3.8132 1.7259 1.1652 1.1493 1.0835 1.1196 1.0016 1.0004 1.0000 1.0000 1.0010 1.0605 1.0007 1.0000 1.0000 1.00002015 Q2 15.8971 1.9957 1.9653 1.2843 1.0717 1.1129 1.1032 1.0217 1.0026 1.0553 1.0392 1.0164 1.0021 1.0000 1.01852015 Q3 358.8580 2.7468 1.8679 1.5224 1.2473 1.1089 1.0101 1.0043 1.3425 1.0112 0.9886 1.0156 1.0004 1.0000 1.05252015 Q4 7.3468 2.0757 1.5004 1.3673 1.1344 1.0833 1.0780 1.1004 1.0381 1.0302 1.0293 1.1648 1.01882016 Q1 98.7096 2.3989 1.7238 1.1615 1.0741 1.0308 1.0002 1.1210 1.0551 1.1075 1.0281 1.0003 1.00002016 Q2 1216.3457 4.2540 1.7275 1.3109 1.0823 1.0594 1.1127 1.0353 1.0148 1.0396 1.0635 1.00172016 Q3 3.5686 2.0073 1.2951 1.2861 1.0665 1.0090 1.1392 1.0325 1.0094 1.01512016 Q4 3.6730 1.4990 1.3501 1.0564 1.1954 1.0379 1.1034 1.0133 1.00862017 Q1 3.6499 3.4480 1.2641 1.1648 1.0892 1.1813 1.1010 1.00632017 Q2 68.5140 14.9873 1.8347 1.3643 1.0742 1.0065 1.1499 1.00372017 Q3 24.9474 3.6915 1.2820 1.2879 1.0677 1.1146 1.08572017 Q4 14.4976 3.2980 1.7459 1.5998 1.2014 1.05332018 Q1 41.7687 2.9012 6.2335 1.5828 1.11072018 Q2 1.0867 198.3514 1.5005 1.37652018 Q3 20.3809 4.3925 1.31932018 Q4 1.34912019 Q1



Page 28 of 79

Exhibit C-5

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 213,948 354,836 410,715 410,715 411,070 411,070 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,151 411,1512013 Q4 440,252 696,330 710,885 713,677 714,207 715,050 715,050 715,283 715,283 715,283 715,283 715,283 715,283 715,283 715,283 715,283 715,283 715,283 715,283 715,283 715,283 715,283 715,2832014 Q1 251,905 470,847 476,314 485,134 485,758 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,770 485,7702014 Q2 399,785 655,744 671,471 686,026 686,276 687,084 689,579 689,579 694,036 694,036 694,036 694,036 694,036 694,036 694,036 694,036 694,036 694,036 694,036 694,036 694,0362014 Q3 509,327 925,649 959,005 962,221 966,186 966,186 966,186 967,280 967,280 967,280 967,280 967,280 967,280 967,280 967,280 967,280 967,280 967,280 967,280 967,2802014 Q4 917,403 1,630,256 1,662,700 1,678,495 1,679,112 1,680,279 1,680,279 1,680,279 1,680,279 1,680,279 1,680,279 1,680,279 1,680,279 1,680,279 1,680,279 1,680,279 1,680,279 1,680,279 1,680,2792015 Q1 477,897 909,914 930,020 936,791 937,177 939,190 939,190 939,190 939,356 939,356 939,356 939,356 939,356 939,356 939,356 939,356 939,356 939,3562015 Q2 569,607 1,284,670 1,330,600 1,335,221 1,336,379 1,337,544 1,337,544 1,337,544 1,337,544 1,337,544 1,337,544 1,337,778 1,337,778 1,338,423 1,338,423 1,338,423 1,338,4232015 Q3 802,459 1,395,950 1,426,995 1,439,859 1,444,718 1,445,016 1,445,016 1,445,016 1,446,522 1,446,522 1,446,522 1,446,904 1,446,904 1,446,904 1,446,904 1,446,9042015 Q4 1,553,272 2,405,560 2,462,789 2,467,587 2,472,892 2,475,070 2,475,260 2,475,430 2,475,430 2,475,430 2,475,430 2,475,430 2,475,430 2,475,430 2,475,4302016 Q1 727,453 1,307,590 1,375,178 1,379,759 1,388,269 1,390,394 1,390,662 1,390,662 1,390,662 1,390,662 1,390,662 1,390,662 1,390,662 1,390,6622016 Q2 987,769 1,744,657 1,823,884 1,833,282 1,841,891 1,843,115 1,844,705 1,844,705 1,844,780 1,844,780 1,839,124 1,839,124 1,839,1242016 Q3 913,634 1,788,455 1,856,441 1,868,153 1,869,898 1,870,134 1,870,330 1,870,330 1,875,290 1,875,290 1,875,290 1,875,2902016 Q4 1,779,645 3,205,710 3,268,574 3,308,684 3,312,362 3,321,652 3,322,090 3,326,727 3,326,727 3,326,727 3,326,7272017 Q1 1,081,732 1,921,777 1,968,986 1,976,138 1,995,126 1,999,160 2,000,395 2,001,584 2,001,681 2,001,6812017 Q2 1,424,555 2,491,820 2,536,340 2,549,573 2,552,691 2,553,291 2,556,784 2,563,931 2,563,9312017 Q3 1,228,579 2,183,490 2,206,361 2,214,035 2,219,434 2,219,659 2,221,700 2,222,5472017 Q4 2,108,895 3,507,059 3,604,725 3,614,737 3,620,316 3,620,316 3,621,4122018 Q1 1,329,800 2,368,679 2,404,124 2,412,033 2,418,663 2,418,8492018 Q2 1,093,942 2,384,628 2,431,351 2,450,767 2,463,8822018 Q3 1,154,676 2,045,769 2,077,052 2,088,9512018 Q4 2,124,443 3,450,855 3,567,2342019 Q1 1,284,108 2,098,8402019 Q2 977,401

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Losses2013 Q3 411,151 1.0000 411,1512013 Q4 715,283 1.0000 715,2832014 Q1 485,770 1.0000 485,7702014 Q2 694,036 1.0000 694,0362014 Q3 967,280 1.0000 967,2802014 Q4 1,680,279 1.0000 1,680,2792015 Q1 939,356 1.0000 939,3562015 Q2 1,338,423 1.0000 1,338,4232015 Q3 1,446,904 1.0000 1,446,9042015 Q4 2,475,430 1.0000 2,475,4302016 Q1 1,390,662 1.0000 1,390,6622016 Q2 1,839,124 1.0000 1,839,1242016 Q3 1,875,290 1.0000 1,875,2902016 Q4 3,326,727 1.0000 3,326,7272017 Q1 2,001,681 1.0000 2,001,6812017 Q2 2,563,931 1.0000 2,563,9312017 Q3 2,222,547 1.0006 2,223,8802017 Q4 3,621,412 1.0026 3,630,8272018 Q1 2,418,849 1.0035 2,427,3152018 Q2 2,463,882 1.0045 2,474,9692018 Q3 2,088,951 1.0085 2,106,7072018 Q4 3,567,234 1.0146 3,619,3162019 Q1 2,098,840 1.0450 2,193,2882019 Q2 977,401 2.1945 2,144,907



Page 29 of 79

Exhibit C-5

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2




Page 30 of 79

Exhibit C-5

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 2 of 2019 Paid Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 (872) (12,191) (12,191) (12,191) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668) (13,668)2013 Q4 (8,891) (19,973) (19,973) (19,973) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365) (22,365)2014 Q1 (1,756) (14,352) (17,621) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853) (17,853)2014 Q2 (8,992) (34,549) (44,567) (44,567) (45,528) (45,528) (44,928) (44,928) (45,528) (45,528) (45,528) (45,528) (45,528) (45,528) (45,528) (45,528) (45,528) (45,528) (45,528) (45,528) (45,528)2014 Q3 (4,273) (61,432) (62,687) (63,761) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136) (64,136)2014 Q4 (4,717) (41,032) (46,494) (46,736) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935) (46,935)2015 Q1 (462) (37,142) (38,730) (38,766) (38,766) (38,862) (38,862) (41,612) (41,612) (41,612) (41,612) (41,612) (41,612) (41,612) (41,612) (41,612) (41,612) (41,612)2015 Q2 (639) (37,564) (51,356) (51,356) (51,356) (51,356) (51,356) (51,356) (51,356) (51,366) (51,366) (51,363) (51,363) (51,363) (51,363) (51,363) (51,363)2015 Q3 (4,573) (49,377) (66,729) (69,340) (69,340) (69,340) (70,627) (70,627) (70,627) (70,627) (70,627) (70,894) (71,889) (72,216) (72,216) (72,216)2015 Q4 (7,220) (67,260) (80,218) (87,943) (87,943) (87,343) (87,343) (87,343) (87,343) (87,343) (87,343) (87,343) (87,343) (87,343) (87,343)2016 Q1 (2,524) (29,512) (32,792) (39,092) (39,271) (39,271) (39,271) (39,271) (39,271) (39,271) (39,271) (39,271) (39,271) (39,271)2016 Q2 (9,888) (37,029) (62,105) (70,455) (70,515) (70,575) (70,635) (70,635) (70,625) (70,625) (70,625) (70,625) (70,625)2016 Q3 (8,497) (89,632) (90,294) (100,687) (100,687) (100,687) (100,687) (102,181) (102,181) (102,181) (102,008) (102,008)2016 Q4 (8,111) (121,458) (128,562) (128,562) (128,789) (128,789) (130,743) (130,977) (130,977) (130,977) (130,977)2017 Q1 (19,646) (59,538) (63,798) (69,182) (73,372) (79,196) (79,196) (79,196) (79,196) (79,196)2017 Q2 (14,965) (140,547) (152,463) (159,530) (163,453) (163,453) (163,453) (163,453) (163,453)2017 Q3 (50,106) (155,139) (182,460) (182,460) (182,460) (182,460) (182,460) (182,460)2017 Q4 (22,851) (166,829) (202,239) (202,239) (201,566) (201,566) (201,566)2018 Q1 (21,244) (108,677) (126,695) (131,582) (142,300) (142,300)2018 Q2 (5,340) (150,994) (180,550) (180,550) (180,550)2018 Q3 (24,912) (151,485) (162,345) (161,318)2018 Q4 (32,948) (175,813) (179,547)2019 Q1 (8,065) (71,684)2019 Q2 (10,095)

Sub&Salv Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Sub&Salv2013 Q3 (13,668) 1.0000 (13,668)2013 Q4 (22,365) 1.0000 (22,365)2014 Q1 (17,853) 1.0000 (17,853)2014 Q2 (45,528) 1.0000 (45,528)2014 Q3 (64,136) 1.0000 (64,136)2014 Q4 (46,935) 1.0000 (46,935)2015 Q1 (41,612) 1.0000 (41,612)2015 Q2 (51,363) 1.0000 (51,363)2015 Q3 (72,216) 1.0000 (72,216)2015 Q4 (87,343) 1.0000 (87,343)2016 Q1 (39,271) 1.0000 (39,271)2016 Q2 (70,625) 1.0010 (70,696)2016 Q3 (102,008) 1.0030 (102,314)2016 Q4 (130,977) 1.0040 (131,501)2017 Q1 (79,196) 1.0040 (79,513)2017 Q2 (163,453) 1.0040 (164,106)2017 Q3 (182,460) 1.0040 (183,190)2017 Q4 (201,566) 1.0050 (202,574)2018 Q1 (142,300) 1.0080 (143,438)2018 Q2 (180,550) 1.0161 (183,457)2018 Q3 (161,318) 1.0415 (168,012)2018 Q4 (179,547) 1.0936 (196,353)2019 Q1 (71,684) 1.3123 (94,070)2019 Q2 (10,095) 15.7476 (158,979)



Page 31 of 79

Exhibit C-5

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 2 of 2019 Paid Subrogation & SalvageEvaluation Date: 2019 Q2




Page 32 of 79

Exhibit C-5

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02013 Q4 850 850 850 850 850 850 850 850 850 850 850 850 850 850 850 850 850 850 850 850 850 850 8502014 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02014 Q2 0 1,285 1,285 1,285 1,285 1,285 1,285 735 735 735 735 735 735 735 735 735 735 735 735 735 7352014 Q3 125 675 675 675 675 675 675 675 675 675 675 675 675 675 1,413 1,413 1,413 1,413 1,413 1,4132014 Q4 2,399 3,001 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,411 4,4112015 Q1 843 881 881 881 881 706 706 706 706 706 706 706 706 706 706 706 706 7062015 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02015 Q3 228 293 793 1,150 1,150 1,150 1,150 1,150 1,150 1,150 1,150 1,150 1,150 1,150 1,150 1,1502015 Q4 0 2,971 3,036 3,036 3,036 3,036 2,486 2,486 2,486 2,486 2,486 2,486 2,486 2,486 2,4862016 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 02016 Q2 1,790 4,863 4,863 4,863 4,863 4,863 4,863 4,863 4,863 4,863 4,863 4,863 4,8632016 Q3 0 95 95 95 1,443 4,147 4,741 5,428 7,449 7,449 7,449 7,4492016 Q4 0 500 1,935 2,328 2,328 2,328 2,328 2,328 2,328 2,328 2,3282017 Q1 0 1,510 1,510 1,510 1,510 1,510 1,510 1,510 1,510 3,0682017 Q2 30 2,855 5,112 5,112 5,112 5,112 5,112 5,112 5,1122017 Q3 530 4,163 4,663 4,663 4,663 4,663 4,663 4,6632017 Q4 0 5,870 9,616 11,936 15,584 15,584 15,5842018 Q1 0 1,988 3,856 3,856 4,802 4,8022018 Q2 0 500 500 500 5002018 Q3 500 2,000 2,000 2,0002018 Q4 0 816 3,1122019 Q1 0 1,0002019 Q2 0

DCC Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor DCC2013 Q3 0 1.0000 02013 Q4 850 1.0000 8502014 Q1 0 1.0000 02014 Q2 735 1.0000 7352014 Q3 1,413 1.0000 1,4132014 Q4 4,411 1.0000 4,4112015 Q1 706 1.0000 7062015 Q2 0 1.0000 02015 Q3 1,150 1.0000 1,1502015 Q4 2,486 1.0000 2,4862016 Q1 0 1.0000 02016 Q2 4,863 1.0000 4,8632016 Q3 7,449 1.0000 7,4492016 Q4 2,328 1.0000 2,3282017 Q1 3,068 1.0000 3,0682017 Q2 5,112 1.1000 5,6232017 Q3 4,663 1.2100 5,6432017 Q4 15,584 1.2705 19,7992018 Q1 4,802 1.2705 6,1012018 Q2 500 1.3976 6992018 Q3 2,000 1.6771 3,3542018 Q4 3,112 1.7610 5,4802019 Q1 1,000 3.5220 3,5222019 Q2 0 17.6100 0



Page 33 of 79

Exhibit C-5

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania ComprehensiveFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242013 Q32013 Q4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q12014 Q2 1.0000 1.0000 1.0000 1.0000 1.0000 0.5720 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q3 5.4000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 2.0933 1.0000 1.0000 1.0000 1.0000 1.00002014 Q4 1.2506 1.4699 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q1 1.0451 1.0000 1.0000 1.0000 0.8013 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q22015 Q3 1.2851 2.7065 1.4502 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q4 1.0219 1.0000 1.0000 1.0000 0.8188 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002016 Q12016 Q2 2.7167 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002016 Q3 1.0000 1.0000 15.2665 2.8747 1.1432 1.1448 1.3724 1.0000 1.0000 1.00002016 Q4 3.8710 1.2028 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002017 Q1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 2.03182017 Q2 96.7627 1.7909 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002017 Q3 7.8626 1.1201 1.0000 1.0000 1.0000 1.0000 1.00002017 Q4 1.6383 1.2413 1.3056 1.0000 1.00002018 Q1 1.9401 1.0000 1.2453 1.00002018 Q2 1.0000 1.0000 1.00002018 Q3 4.0000 1.0000 1.00002018 Q4 3.81342019 Q1



Page 34 of 79

Exhibit C-6

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 930,297 1,855,657 1,887,662 1,890,451 1,890,451 1,890,451 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,826 1,891,8262013 Q4 1,499,068 3,089,050 3,143,751 3,153,162 3,161,134 3,165,184 3,165,184 3,165,184 3,170,829 3,171,236 3,171,236 3,171,236 3,171,236 3,171,236 3,171,236 3,171,236 3,171,236 3,171,236 3,171,236 3,171,236 3,171,236 3,171,236 3,171,2362014 Q1 2,130,510 3,702,710 3,768,527 3,784,666 3,793,109 3,796,832 3,799,962 3,800,636 3,804,623 3,804,623 3,804,623 3,804,623 3,804,623 3,804,623 3,804,623 3,804,623 3,804,623 3,804,623 3,804,623 3,804,623 3,804,623 3,804,6232014 Q2 1,858,999 3,360,659 3,460,807 3,475,097 3,482,964 3,489,224 3,485,927 3,485,927 3,486,477 3,486,477 3,486,477 3,486,477 3,486,523 3,486,523 3,486,580 3,486,580 3,486,580 3,486,580 3,486,580 3,486,580 3,486,5802014 Q3 2,055,143 3,725,736 3,881,417 3,902,128 3,908,439 3,913,840 3,917,181 3,917,515 3,917,567 3,917,761 3,917,761 3,917,761 3,917,761 3,917,761 3,917,761 3,917,761 3,917,761 3,917,761 3,917,761 3,917,7612014 Q4 2,837,606 5,421,624 5,605,026 5,628,717 5,635,373 5,634,755 5,634,755 5,635,985 5,635,985 5,635,985 5,641,807 5,642,435 5,643,274 5,643,274 5,643,274 5,643,274 5,643,274 5,643,274 5,643,2742015 Q1 3,974,635 7,371,939 7,538,562 7,550,921 7,582,985 7,590,710 7,599,757 7,603,169 7,609,496 7,611,857 7,611,857 7,611,857 7,611,857 7,611,857 7,611,857 7,611,857 7,611,857 7,611,8572015 Q2 3,407,129 6,865,297 6,994,769 7,027,076 7,047,522 7,051,446 7,054,543 7,054,543 7,056,116 7,058,996 7,058,996 7,058,996 7,058,996 7,058,996 7,058,996 7,055,194 7,055,1942015 Q3 3,861,388 7,766,593 7,981,449 8,014,562 8,028,119 8,034,936 8,034,936 8,038,576 8,038,576 8,038,576 8,038,576 8,038,576 8,038,576 8,038,576 8,038,576 8,038,5762015 Q4 4,869,949 9,096,161 9,298,752 9,332,057 9,361,720 9,380,220 9,383,529 9,390,111 9,395,316 9,387,751 9,387,751 9,387,751 9,387,851 9,387,851 9,387,8512016 Q1 5,168,506 8,942,980 9,114,886 9,203,133 9,216,399 9,232,841 9,236,472 9,237,879 9,237,879 9,239,023 9,240,647 9,243,136 9,243,136 9,243,1362016 Q2 4,151,745 8,811,998 9,032,818 9,089,572 9,104,788 9,117,169 9,122,748 9,123,651 9,126,640 9,136,427 9,136,427 9,136,427 9,136,4272016 Q3 4,642,414 9,176,384 9,298,500 9,339,608 9,351,040 9,360,921 9,360,602 9,360,602 9,364,788 9,372,612 9,376,772 9,377,5012016 Q4 5,220,537 10,661,218 10,882,830 10,933,171 10,951,789 10,957,147 10,959,507 10,966,305 10,973,187 10,987,645 10,992,9612017 Q1 5,383,535 9,909,060 10,053,950 10,093,511 10,109,746 10,114,180 10,116,471 10,116,471 10,116,471 10,116,4712017 Q2 5,225,779 9,653,369 9,815,722 9,838,055 9,852,641 9,863,406 9,865,592 9,870,055 9,871,6652017 Q3 5,177,822 9,711,127 9,856,086 9,848,088 9,862,512 9,879,213 9,880,436 9,882,7072017 Q4 6,010,348 11,267,546 11,551,069 11,580,756 11,606,156 11,610,008 11,612,1542018 Q1 5,667,824 9,969,262 10,122,512 10,174,365 10,199,397 10,207,6212018 Q2 5,085,890 8,957,882 9,089,885 9,134,857 9,157,3962018 Q3 4,692,763 8,670,714 8,864,916 8,910,1902018 Q4 5,574,735 10,712,612 10,920,8932019 Q1 5,362,839 9,399,0892019 Q2 4,348,484

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Losses2013 Q3 1,891,826 1.0000 1,891,8262013 Q4 3,171,236 1.0000 3,171,2362014 Q1 3,804,623 1.0000 3,804,6232014 Q2 3,486,580 1.0000 3,486,5802014 Q3 3,917,761 1.0000 3,917,7612014 Q4 5,643,274 1.0000 5,643,2742015 Q1 7,611,857 1.0000 7,611,8572015 Q2 7,055,194 1.0000 7,055,1942015 Q3 8,038,576 1.0000 8,038,5762015 Q4 9,387,851 1.0000 9,387,8512016 Q1 9,243,136 1.0000 9,243,1362016 Q2 9,136,427 1.0000 9,136,4272016 Q3 9,377,501 1.0000 9,377,5012016 Q4 10,992,961 1.0000 10,992,9612017 Q1 10,116,471 1.0000 10,116,4712017 Q2 9,871,665 1.0000 9,871,6652017 Q3 9,882,707 1.0010 9,892,5902017 Q4 11,612,154 1.0020 11,635,3782018 Q1 10,207,621 1.0030 10,238,2442018 Q2 9,157,396 1.0040 9,194,0262018 Q3 8,910,190 1.0060 8,963,6512018 Q4 10,920,893 1.0110 11,041,0232019 Q1 9,399,089 1.0312 9,692,3402019 Q2 4,348,484 1.9747 8,586,951



Page 35 of 79

Exhibit C-6

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 2 of 2019 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2




Page 36 of 79

Exhibit C-6

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 2 of 2019 Paid Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 (59,839) (231,131) (263,221) (287,768) (289,356) (293,156) (293,768) (293,768) (293,768) (293,834) (294,065) (294,164) (294,164) (294,164) (294,164) (294,081) (294,081) (294,081) (294,081) (294,081) (294,081) (294,081) (294,081) (294,081)2013 Q4 (84,475) (415,487) (534,336) (592,066) (631,033) (635,423) (636,513) (656,198) (655,745) (662,497) (662,574) (662,636) (662,762) (662,888) (662,951) (663,203) (663,392) (663,518) (663,770) (663,960) (664,150) (664,404) (664,530)2014 Q1 (69,660) (439,719) (547,521) (559,344) (598,689) (598,538) (598,672) (598,442) (607,823) (611,130) (611,480) (611,847) (612,640) (613,042) (613,569) (613,303) (613,303) (613,303) (613,303) (613,303) (613,303) (613,303)2014 Q2 (80,950) (399,306) (543,427) (588,368) (595,408) (597,757) (601,086) (601,260) (600,850) (600,920) (600,690) (600,903) (604,872) (604,872) (604,122) (604,122) (606,924) (606,924) (606,924) (606,924) (606,924)2014 Q3 (89,876) (558,923) (739,741) (816,185) (829,000) (836,262) (858,455) (859,864) (859,264) (859,216) (859,216) (859,009) (859,009) (859,009) (859,009) (859,009) (859,043) (859,112) (859,112) (859,180)2014 Q4 (100,468) (755,062) (1,074,160) (1,152,399) (1,190,681) (1,219,509) (1,244,066) (1,251,320) (1,263,431) (1,263,750) (1,265,830) (1,266,043) (1,268,317) (1,268,424) (1,268,059) (1,268,059) (1,268,059) (1,268,059) (1,268,059)2015 Q1 (99,379) (909,557) (1,325,367) (1,408,087) (1,461,181) (1,491,923) (1,497,387) (1,511,932) (1,517,781) (1,520,752) (1,521,815) (1,525,647) (1,526,727) (1,526,727) (1,527,139) (1,528,372) (1,527,725) (1,527,903)2015 Q2 (127,178) (1,116,183) (1,602,003) (1,747,220) (1,816,893) (1,834,567) (1,840,401) (1,841,927) (1,841,125) (1,841,125) (1,840,825) (1,840,825) (1,859,145) (1,859,232) (1,859,232) (1,857,765) (1,857,765)2015 Q3 (128,086) (1,166,568) (1,689,968) (1,882,305) (1,952,199) (1,962,014) (1,962,942) (1,972,522) (1,982,542) (1,988,834) (1,989,419) (1,990,964) (1,991,207) (1,991,713) (1,992,312) (1,992,382)2015 Q4 (180,534) (1,404,821) (1,794,859) (1,998,382) (2,061,587) (2,076,794) (2,075,401) (2,078,797) (2,079,834) (2,084,788) (2,084,989) (2,085,191) (2,085,394) (2,085,126) (2,085,226)2016 Q1 (179,452) (1,297,829) (1,657,340) (1,908,413) (1,943,526) (1,973,312) (1,980,185) (1,981,316) (1,981,357) (1,979,940) (1,979,940) (1,979,140) (1,978,640) (1,978,640)2016 Q2 (172,292) (1,467,000) (2,008,749) (2,220,912) (2,278,428) (2,296,814) (2,306,512) (2,313,738) (2,318,041) (2,321,769) (2,322,089) (2,325,767) (2,325,791)2016 Q3 (151,802) (1,409,813) (2,001,540) (2,149,909) (2,190,089) (2,215,567) (2,218,164) (2,242,670) (2,246,126) (2,249,672) (2,252,402) (2,252,402)2016 Q4 (192,550) (1,377,078) (2,024,507) (2,139,417) (2,165,553) (2,210,720) (2,234,226) (2,234,245) (2,240,757) (2,243,741) (2,243,741)2017 Q1 (314,756) (1,677,925) (2,018,545) (2,135,832) (2,190,189) (2,192,725) (2,196,193) (2,201,251) (2,213,923) (2,213,729)2017 Q2 (352,569) (1,888,520) (2,311,351) (2,422,834) (2,471,679) (2,481,642) (2,491,981) (2,500,468) (2,516,438)2017 Q3 (345,537) (1,957,972) (2,379,659) (2,596,751) (2,638,805) (2,650,827) (2,652,534) (2,653,924)2017 Q4 (321,708) (1,994,392) (2,668,975) (2,850,620) (2,851,258) (2,880,119) (2,890,542)2018 Q1 (247,585) (1,611,877) (1,986,521) (2,072,700) (2,094,196) (2,106,698)2018 Q2 (287,457) (1,775,155) (2,279,671) (2,404,493) (2,451,048)2018 Q3 (192,145) (1,585,660) (2,074,125) (2,163,938)2018 Q4 (223,271) (1,810,306) (2,435,998)2019 Q1 (299,414) (1,631,794)2019 Q2 (252,231)

Sub&Salv Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Sub&Salv2013 Q3 (294,081) 1.0000 (294,081)2013 Q4 (664,530) 1.0000 (664,530)2014 Q1 (613,303) 1.0000 (613,303)2014 Q2 (606,924) 1.0000 (606,924)2014 Q3 (859,180) 1.0000 (859,180)2014 Q4 (1,268,059) 1.0000 (1,268,059)2015 Q1 (1,527,903) 1.0000 (1,527,903)2015 Q2 (1,857,765) 1.0000 (1,857,765)2015 Q3 (1,992,382) 1.0000 (1,992,382)2015 Q4 (2,085,226) 1.0000 (2,085,226)2016 Q1 (1,978,640) 1.0000 (1,978,640)2016 Q2 (2,325,791) 1.0000 (2,325,791)2016 Q3 (2,252,402) 1.0000 (2,252,402)2016 Q4 (2,243,741) 1.0000 (2,243,741)2017 Q1 (2,213,729) 1.0000 (2,213,729)2017 Q2 (2,516,438) 1.0020 (2,521,471)2017 Q3 (2,653,924) 1.0050 (2,667,194)2017 Q4 (2,890,542) 1.0090 (2,916,557)2018 Q1 (2,106,698) 1.0130 (2,134,085)2018 Q2 (2,451,048) 1.0231 (2,507,667)2018 Q3 (2,163,938) 1.0384 (2,247,034)2018 Q4 (2,435,998) 1.1173 (2,721,740)2019 Q1 (1,631,794) 1.4637 (2,388,457)2019 Q2 (252,231) 10.0117 (2,525,257)



Page 37 of 79

Exhibit C-6

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 2 of 2019 Paid Subrogation & SalvageEvaluation Date: 2019 Q2




Page 38 of 79

Exhibit C-6

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 0 158 158 158 158 158 158 158 158 158 158 158 158 158 158 158 158 158 158 158 158 158 158 1582013 Q4 0 245 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,041 1,0412014 Q1 0 0 0 0 0 0 0 0 0 (144) (144) (144) (144) (144) (144) (144) (144) (144) (144) (144) (144) (144)2014 Q2 65 805 805 805 805 805 805 805 805 805 805 805 805 805 805 805 730 730 730 730 7302014 Q3 0 130 130 130 130 130 130 130 130 130 130 130 (156) (156) (156) (156) (156) (156) (156) (156)2014 Q4 2,228 3,604 3,809 3,809 3,809 3,999 3,999 3,999 3,999 3,999 3,999 3,897 3,897 3,897 3,897 3,897 3,897 3,897 3,8972015 Q1 2,511 3,905 3,905 3,905 3,905 3,905 3,905 3,905 3,598 3,598 3,474 3,474 3,474 3,474 3,474 3,474 3,474 3,4742015 Q2 38 57 122 122 122 122 122 122 122 122 122 122 67 67 17 17 172015 Q3 195 1,077 1,217 1,217 1,217 1,217 1,217 1,217 1,217 1,217 1,217 1,217 1,217 1,217 1,217 1,2172015 Q4 39 188 188 188 188 188 188 (247) (247) (247) (247) (371) (371) (371) (371)2016 Q1 130 279 429 429 429 429 429 429 429 429 429 429 381 3812016 Q2 19 1,362 1,492 1,492 1,492 1,492 1,492 1,492 1,492 1,492 1,442 1,442 1,4422016 Q3 0 69 69 69 69 69 69 69 69 69 69 692016 Q4 0 2,039 2,089 1,714 1,714 1,714 862 862 690 690 6902017 Q1 25 40 365 1,470 1,470 1,470 1,470 1,470 1,470 1,4702017 Q2 39 187 394 394 394 394 3,179 3,179 3,1182017 Q3 178 273 273 248 248 248 248 2482017 Q4 0 100 140 1,068 1,108 1,108 3,6082018 Q1 70 315 379 379 379 3792018 Q2 90 346 346 416 4162018 Q3 65 130 248 2482018 Q4 85 154 4762019 Q1 0 4052019 Q2 225

DCC Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor DCC2013 Q3 158 1.0000 1582013 Q4 1,041 1.0000 1,0412014 Q1 (144) 1.0000 (144)2014 Q2 730 1.0000 7302014 Q3 (156) 1.0000 (156)2014 Q4 3,897 1.0000 3,8972015 Q1 3,474 1.0000 3,4742015 Q2 17 1.0000 172015 Q3 1,217 1.0000 1,2172015 Q4 (371) 1.0000 (371)2016 Q1 381 1.0000 3812016 Q2 1,442 1.0000 1,4422016 Q3 69 1.0000 692016 Q4 690 1.0000 6902017 Q1 1,470 1.0000 1,4702017 Q2 3,118 1.0000 3,1182017 Q3 248 1.0000 2482017 Q4 3,608 1.0000 3,6082018 Q1 379 1.0000 3792018 Q2 416 1.0000 4162018 Q3 248 1.0000 2482018 Q4 476 1.0000 4762019 Q1 405 2.0000 8102019 Q2 225 4.0000 898



Page 39 of 79

Exhibit C-6

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania CollisionFiscal Accident Years Ending with Quarter 2 of 2019 Paid Defense and Cost Containment ExpensesEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 242013 Q3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002013 Q4 4.2504 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q2 12.3846 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.9068 1.0000 1.0000 1.0000 1.00002014 Q3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 -1.1962 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 Q4 1.6175 1.0569 1.0000 1.0000 1.0497 1.0000 1.0000 1.0000 1.0000 1.0000 0.9746 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q1 1.5552 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.9214 1.0000 0.9657 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q2 1.5000 2.1404 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.5510 1.0000 0.2538 1.0000 1.00002015 Q3 5.5205 1.1301 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002015 Q4 4.8205 1.0000 1.0000 1.0000 1.0000 1.0000 -1.3140 1.0000 1.0000 1.0000 1.5000 1.0000 1.0000 1.00002016 Q1 2.1462 1.5376 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.8878 1.00002016 Q2 71.6842 1.0954 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.9665 1.0000 1.00002016 Q3 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002016 Q4 1.0245 0.8204 1.0000 1.0000 0.5031 1.0000 0.8006 1.0000 1.00002017 Q1 1.6000 9.1140 4.0312 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002017 Q2 4.7949 2.1076 1.0000 1.0000 1.0000 8.0651 1.0000 0.98082017 Q3 1.5325 1.0000 0.9086 1.0000 1.0000 1.0000 1.00002017 Q4 1.4000 7.6286 1.0375 1.0000 3.25632018 Q1 4.5252 1.2051 1.0000 1.0000 1.00002018 Q2 3.8709 1.0000 1.2020 1.00002018 Q3 2.0000 1.9063 1.00002018 Q4 1.8225 3.09252019 Q1



Page 40 of 79

Exhibit C-7

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania TowingFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 23,495 34,168 34,707 35,672 35,807 36,539 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,675 36,6752013 Q4 29,987 48,219 48,709 48,980 49,354 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,422 49,4222014 Q1 47,948 65,560 66,272 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,558 66,5582014 Q2 41,072 60,325 60,767 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,832 60,8322014 Q3 52,517 76,287 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,845 76,8452014 Q4 55,956 81,611 82,272 82,272 82,332 82,332 82,332 82,332 82,332 82,332 82,332 82,332 82,332 82,332 82,332 82,332 82,332 82,332 82,3322015 Q1 90,294 127,325 127,420 127,420 127,420 127,420 127,420 127,420 127,420 127,420 127,420 127,420 127,420 127,420 127,420 127,420 127,420 127,4202015 Q2 80,733 121,198 122,044 122,099 122,099 122,099 122,099 122,099 122,099 122,099 122,099 122,099 122,099 122,099 122,099 122,099 122,0992015 Q3 86,142 132,275 132,637 132,637 132,637 132,637 132,637 132,637 132,637 132,637 132,637 132,637 132,637 132,637 132,637 132,6372015 Q4 88,886 136,227 137,152 137,152 137,152 137,152 137,152 137,152 137,152 137,152 137,152 137,152 137,152 137,152 137,1522016 Q1 109,190 155,258 155,625 155,316 155,656 155,656 155,656 155,731 155,731 155,731 155,731 155,731 155,731 155,7312016 Q2 95,003 135,161 135,523 135,863 135,863 135,923 135,923 135,923 135,923 135,923 135,923 135,923 135,9232016 Q3 106,743 161,769 163,383 163,638 163,638 163,638 163,638 163,638 163,638 163,638 163,638 163,6382016 Q4 84,998 159,323 159,755 159,839 159,914 159,914 159,914 159,914 159,914 159,914 159,9142017 Q1 99,997 148,951 149,754 149,754 149,754 149,754 149,904 149,904 149,904 149,9042017 Q2 92,958 147,506 149,017 148,982 149,182 149,182 149,182 149,182 149,1822017 Q3 102,204 174,523 176,903 177,078 177,078 178,314 178,314 178,3142017 Q4 146,083 201,892 202,883 202,883 204,173 204,278 204,2782018 Q1 158,838 225,475 225,873 226,003 226,003 226,0032018 Q2 132,934 183,820 184,134 184,134 184,3042018 Q3 138,662 195,598 195,682 195,8822018 Q4 137,792 179,973 180,2082019 Q1 120,454 161,2602019 Q2 96,932

Losses Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Losses2013 Q3 36,675 1.0000 36,6752013 Q4 49,422 1.0000 49,4222014 Q1 66,558 1.0000 66,5582014 Q2 60,832 1.0000 60,8322014 Q3 76,845 1.0000 76,8452014 Q4 82,332 1.0000 82,3322015 Q1 127,420 1.0000 127,4202015 Q2 122,099 1.0000 122,0992015 Q3 132,637 1.0000 132,6372015 Q4 137,152 1.0000 137,1522016 Q1 155,731 1.0000 155,7312016 Q2 135,923 1.0000 135,9232016 Q3 163,638 1.0000 163,6382016 Q4 159,914 1.0000 159,9142017 Q1 149,904 1.0000 149,9042017 Q2 149,182 1.0000 149,1822017 Q3 178,314 1.0000 178,3142017 Q4 204,278 1.0000 204,2782018 Q1 226,003 1.0000 226,0032018 Q2 184,304 1.0000 184,3042018 Q3 195,882 1.0000 195,8822018 Q4 180,208 1.0000 180,2082019 Q1 161,260 1.0050 162,0662019 Q2 96,932 1.4522 140,765



Page 41 of 79

Exhibit C-7

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania TowingFiscal Accident Years Ending with Quarter 3 of 2016 Incurred Losses, Gross of Subrogation & SalvageEvaluation Date: 2019 Q2




Page 42 of 79

Exhibit C-7

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania TowingFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 242013 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02013 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02014 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02014 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02014 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02014 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02015 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02015 Q2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02015 Q3 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02015 Q4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02016 Q1 0 0 0 0 0 0 0 0 0 0 0 0 0 02016 Q2 0 0 0 0 0 0 0 0 0 0 0 0 02016 Q3 0 0 0 0 0 0 0 0 0 0 0 02016 Q4 0 0 (175) (175) (175) (175) (175) (175) (175) (175) (175)2017 Q1 0 0 (519) (1,022) (1,022) (1,022) (1,022) (1,022) (1,022) (1,022)2017 Q2 0 (96) (96) (96) (96) (96) (96) (96) (96)2017 Q3 0 0 0 0 0 0 0 02017 Q4 0 (558) (558) (558) (558) (558) (558)2018 Q1 0 0 0 0 0 02018 Q2 0 (667) (667) (667) (667)2018 Q3 0 0 0 02018 Q4 0 0 02019 Q1 0 02019 Q2 0

Sub&Salv Selected SelectedAccident as of Age-Ult UltimateQuarter 2019 Q2 Factor Sub&Salv2013 Q3 0 1.0000 02013 Q4 0 1.0000 02014 Q1 0 1.0000 02014 Q2 0 1.0000 02014 Q3 0 1.0000 02014 Q4 0 1.0000 02015 Q1 0 1.0000 02015 Q2 0 1.0000 02015 Q3 0 1.0000 02015 Q4 0 1.0000 02016 Q1 0 1.0000 02016 Q2 0 1.0000 02016 Q3 0 1.0000 02016 Q4 (175) 1.0000 (175)2017 Q1 (1,022) 1.0000 (1,022)2017 Q2 (96) 1.0000 (96)2017 Q3 0 1.0000 02017 Q4 (558) 1.0000 (558)2018 Q1 0 1.0000 02018 Q2 (667) 1.0000 (667)2018 Q3 0 1.0000 02018 Q4 0 1.0000 02019 Q1 0 1.0000 02019 Q2 0 1.0000 0



Page 43 of 79

Exhibit C-7

Mid-Century Insurance Company Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Pennsylvania TowingFiscal Accident Years Ending with Quarter 3 of 2016 Paid Subrogation & SalvageEvaluation Date: 2019 Q2

AccidentQuarter 1 - 2 2 - 3 3 - 4 4 - 5 5 - 6 6 - 7 7 - 8 8 - 9 9 - 10 10 - 11 11 - 12 12 - 13 13 - 14 14 - 15 15 - 16 16 - 17 17 - 18 18 - 19 19 - 20 20 - 21 21 - 22 22 - 23 23 - 24 24 - 252013 Q32013 Q42014 Q12014 Q22014 Q32014 Q42015 Q12015 Q22015 Q32015 Q42016 Q12016 Q22016 Q32016 Q4 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002017 Q1 1.9690 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002017 Q2 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002017 Q32017 Q4 1.0000 1.0000 1.0000 1.0000 1.00002018 Q12018 Q2 1.0000 1.0000 1.00002018 Q32018 Q42019 Q1



Page 44 of 79

Exhibit D

Company Name: All Programs

State Name: Pennsylvania

Experience Through: Quarter 2, 2019

Historical FutureSelected Statewide Complement Credibility- Statewide Complement Credibility-

Coverage Credibility Selected Loss Trend Trend Weighted Trend Selected Loss Trend Trend Weighted Trend

Bodily Injury (BI) 0.4907 0.1% -0.6% -0.3% 0.1% -0.6% -0.3%Property Damage (PD) 1.0000 0.9% n/a 0.9% 0.9% n/a 0.9%Uninsured Motorist - BI 0.2188 13.5% 4.2% 6.2% 13.5% 4.2% 6.2%Comprehensive 0.7607 4.6% 2.3% 4.0% 4.6% 2.3% 4.0%Collision 1.0000 -1.4% n/a -1.4% -1.4% n/a -1.4%No-Fault (NF) 0.7171 -5.4% -2.9% -4.7% -5.4% -2.9% -4.7%Towing 1.0000 1.0% n/a 1.0% 1.0% n/a 1.0%

Credibility-Weighted Loss Trends

Page 45 of 79

Exhibit E-1

All ProgramsPennsylvania

Coverage: Bodily Injury LiabilityAccident Quarter Data Developed to Ultimate

Loss Trend

Deseasonalized Deseasonalized DeseasonalizedAccident Ultimate Ultimate Ultimate Ultimate Ultimate Ultimate

Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 3 0.000 0.000 X $0 $0 X $0 $0 X2010 4 0.000 0.000 X $0 $0 X $0 $0 X2011 1 0.000 0.000 X $0 $0 X $0 $0 X2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 3.030 3.074 X $9,122 $8,409 X $276 $259 X2011 4 1.434 1.371 X $19,917 $19,247 X $286 $264 X2012 1 1.471 1.481 X $6,747 $6,983 X $99 $103 X2012 2 2.580 2.644 X $6,772 $7,276 X $175 $194 X2012 3 1.681 1.705 X $12,222 $11,267 X $205 $192 X2012 4 1.179 1.127 X $12,211 $11,800 X $144 $133 X2013 1 1.140 1.148 X $11,719 $12,130 X $134 $139 X2013 2 0.955 0.978 X $11,248 $12,085 X $107 $119 X2013 3 0.988 1.003 X $15,126 $13,945 X $150 $140 X2013 4 0.886 0.847 X $11,931 $11,529 X $106 $98 X2014 1 1.279 1.287 X $13,417 $13,887 X $172 $178 X2014 2 1.343 1.377 X $12,624 $13,563 X $170 $188 X2014 3 1.285 1.304 X $13,403 $12,356 X $172 $161 X2014 4 1.061 1.014 X $13,249 $12,803 X $141 $130 X2015 1 0.946 0.952 $11,263 $11,657 $107 $1112015 2 0.867 0.889 $10,976 $11,793 $95 $1062015 3 0.894 0.907 $16,338 $15,062 $146 $1372015 4 0.938 0.897 $14,346 $13,864 $135 $1252016 1 0.980 0.986 $13,221 $13,684 X $130 $1342016 2 1.144 1.172 X $13,011 $13,980 $149 $165 X2016 3 0.933 0.947 $14,187 $13,079 $132 $1242016 4 0.937 0.896 $13,791 $13,327 $129 $1202017 1 0.703 0.708 X $13,836 $14,321 X $97 $101 X2017 2 0.870 0.892 $14,574 $15,659 $127 $1412017 3 0.835 0.847 $15,211 $14,023 $127 $1192017 4 0.907 0.867 $15,203 $14,692 $138 $1282018 1 0.835 0.840 $16,788 $17,376 $140 $1452018 2 0.771 0.790 $13,871 $14,904 $107 $1192018 3 0.755 0.766 $16,792 $15,480 $127 $1192018 4 0.792 0.757 $17,506 $16,917 $139 $1282019 1 0.702 0.706 $15,231 $15,765 $107 $1112019 2 0.775 0.795 $16,260 $17,471 $126 $140

* Average claim frequency per 100 earned exposures. ** Adjusted to remove effects of seasonality*** Data points excluded

Exponential regression on deseasonalized data

Frequency Severity Pure PremiumHistorical Selection -8.37% 9.21% 0.06%Future Selection -8.37% 9.21% 0.06%

Page 46 of 79

Exhibit E-1


Coverage: Property Damage LiabilityAccident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 3 0.000 0.000 X $0 $0 X $0 $0 X2010 4 0.000 0.000 X $0 $0 X $0 $0 X2011 1 0.000 0.000 X $0 $0 X $0 $0 X2011 2 26.000 25.624 X $1,850 $1,893 X $481 $486 X2011 3 10.101 10.657 X $2,029 $2,015 X $205 $211 X2011 4 3.108 3.029 X $2,093 $2,091 X $65 $63 X2012 1 6.337 6.339 X $2,041 $2,009 X $129 $128 X2012 2 6.480 6.386 X $3,191 $3,264 X $207 $209 X2012 3 5.348 5.642 X $3,221 $3,197 X $172 $178 X2012 4 6.198 6.041 X $3,051 $3,048 X $189 $184 X2013 1 5.385 5.387 X $3,058 $3,010 X $165 $162 X2013 2 5.864 5.780 X $2,659 $2,720 X $156 $157 X2013 3 5.127 5.409 X $3,199 $3,176 X $164 $169 X2013 4 5.837 5.688 X $3,332 $3,328 X $194 $190 X2014 1 5.484 5.486 $3,194 $3,144 $175 $1732014 2 5.132 5.058 $3,120 $3,192 $160 $1622014 3 4.932 5.203 $3,066 $3,044 $151 $1562014 4 5.216 5.084 $3,254 $3,251 $170 $1662015 1 5.392 5.393 $3,398 $3,345 $183 $1812015 2 5.086 5.012 $3,121 $3,193 $159 $1602015 3 4.713 4.972 $3,635 $3,608 $171 $1772015 4 4.803 4.681 $3,369 $3,366 $162 $1582016 1 4.654 4.655 $3,439 $3,386 $160 $1582016 2 4.760 4.692 $3,578 $3,660 $170 $1722016 3 4.894 5.163 X $3,458 $3,433 $169 $1742016 4 4.868 4.745 $3,546 $3,542 $173 $1682017 1 4.369 4.371 $3,345 $3,293 $146 $1442017 2 4.540 4.474 $3,460 $3,539 $157 $1592017 3 4.187 4.418 $3,537 $3,511 $148 $1532017 4 4.886 4.762 $3,429 $3,425 $168 $1632018 1 4.323 4.325 $3,731 $3,673 $161 $1592018 2 4.443 4.379 $3,496 $3,576 $155 $1572018 3 4.141 4.369 $3,632 $3,605 $150 $1552018 4 4.270 4.162 $3,741 $3,737 $160 $1562019 1 4.284 4.286 $3,866 $3,805 $166 $1632019 2 4.557 4.491 $3,552 $3,634 $162 $163



Frequency Severity Pure PremiumHistorical Selection -2.43% 3.38% 0.87%Future Selection -2.43% 3.38% 0.87%

Page 47 of 79

Exhibit E-1


Coverage: Uninsured Motorist Bodily InjuryAccident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 3 0.000 0.000 X $0 $0 X $0 $0 X2010 4 0.000 0.000 X $0 $0 X $0 $0 X2011 1 0.000 0.000 X $0 $0 X $0 $0 X2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 0.000 0.000 X $0 $0 X $0 $0 X2011 4 0.000 0.000 X $0 $0 X $0 $0 X2012 1 0.478 0.518 X $27,284 $24,221 X $131 $127 X2012 2 0.330 0.338 X $12,194 $16,248 X $40 $51 X2012 3 0.085 0.080 X $8,449 $8,276 X $7 $7 X2012 4 0.428 0.414 X $16,965 $15,144 X $73 $63 X2013 1 0.189 0.205 X $25,878 $22,972 X $49 $48 X2013 2 0.201 0.206 X $19,297 $25,711 X $39 $49 X2013 3 0.149 0.140 X $21,168 $20,733 X $32 $29 X2013 4 0.267 0.258 X $17,618 $15,727 X $47 $41 X2014 1 0.292 0.316 X $18,379 $16,316 X $54 $52 X2014 2 0.301 0.308 X $21,724 $28,946 X $65 $82 X2014 3 0.252 0.236 $24,840 $24,330 $63 $582014 4 0.172 0.167 $31,075 $27,738 $54 $462015 1 0.197 0.214 X $16,040 $14,239 X $32 $31 X2015 2 0.229 0.234 $25,009 $33,322 $57 $722015 3 0.283 0.265 $30,061 $29,443 $85 $792015 4 0.230 0.222 $25,708 $22,948 $59 $512016 1 0.244 0.264 $20,680 $18,358 $50 $492016 2 0.205 0.210 $20,775 $27,681 $43 $542016 3 0.228 0.213 $32,337 $31,673 $74 $682016 4 0.195 0.189 $37,584 $33,549 $73 $632017 1 0.161 0.175 $26,584 $23,599 $43 $422017 2 0.178 0.182 $15,061 $20,068 $27 $342017 3 0.160 0.150 $19,593 $19,191 $31 $292017 4 0.233 0.226 $33,258 $29,687 $78 $672018 1 0.176 0.190 $38,585 $34,253 $68 $662018 2 0.192 0.196 $20,954 $27,919 $40 $512018 3 0.273 0.256 X $31,616 $30,967 $86 $80 X2018 4 0.268 0.259 $24,485 $21,856 $66 $572019 1 0.199 0.216 $41,879 $37,177 $84 $812019 2 0.223 0.228 $32,748 $43,634 X $73 $92



Frequency Severity Pure PremiumHistorical Selection 8.91% 4.24% 13.53%Future Selection 8.91% 4.24% 13.53%

Page 48 of 79

Exhibit E-1


Coverage: ComprehensiveAccident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 3 0.000 0.000 X $0 $0 X $0 $0 X2010 4 0.000 0.000 X $0 $0 X $0 $0 X2011 1 0.000 0.000 X $0 $0 X $0 $0 X2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 7.494 8.127 X $1,591 $1,634 X $119 $135 X2011 4 6.758 6.143 X $2,559 $1,904 X $173 $119 X2012 1 6.018 6.327 X $1,640 $1,892 X $99 $117 X2012 2 6.192 6.010 X $773 $839 X $48 $51 X2012 3 5.924 6.425 X $1,912 $1,965 X $113 $128 X2012 4 5.764 5.239 X $1,931 $1,437 X $111 $76 X2013 1 4.951 5.206 X $1,467 $1,692 X $73 $86 X2013 2 4.819 4.677 X $1,447 $1,569 X $70 $74 X2013 3 4.368 4.737 X $1,511 $1,553 X $66 $75 X2013 4 4.664 4.239 X $2,068 $1,539 X $96 $66 X2014 1 5.150 5.415 X $1,101 $1,270 $57 $67 X2014 2 4.646 4.510 $1,407 $1,526 $65 $702014 3 4.616 5.007 $1,645 $1,690 $76 $862014 4 5.365 4.876 $2,143 $1,595 $115 $792015 1 4.332 4.555 $1,272 $1,466 $55 $652015 2 4.766 4.625 $1,428 $1,549 $68 $732015 3 4.314 4.679 $1,497 $1,539 $65 $732015 4 4.665 4.240 $2,226 $1,656 $104 $712016 1 4.063 4.272 $1,375 $1,585 $56 $662016 2 4.361 4.233 $1,582 $1,716 $69 $742016 3 3.896 4.225 $1,681 $1,727 $65 $742016 4 5.047 4.587 $2,264 $1,684 $114 $782017 1 4.031 4.238 $1,692 $1,951 $68 $812017 2 4.332 4.205 $1,915 $2,077 $83 $892017 3 3.909 4.240 $1,774 $1,823 $69 $792017 4 4.708 4.279 $2,486 $1,849 $117 $802018 1 4.886 5.137 $1,646 $1,898 $80 $952018 2 5.204 5.051 $1,547 $1,678 $80 $862018 3 4.378 4.749 $1,562 $1,605 $68 $782018 4 5.475 4.976 $2,263 $1,683 $124 $852019 1 4.594 4.831 $1,743 $2,010 $80 $952019 2 5.085 4.935 $1,528 $1,657 $78 $83



Frequency Severity Pure PremiumHistorical Selection 6.66% -1.95% 4.58%Future Selection 6.66% -1.95% 4.58%

Page 49 of 79

Exhibit E-1


Coverage: CollisionAccident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 3 0.000 0.000 X $0 $0 X $0 $0 X2010 4 0.000 0.000 X $0 $0 X $0 $0 X2011 1 0.000 0.000 X $0 $0 X $0 $0 X2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 8.982 9.404 X $2,550 $2,639 X $229 $248 X2011 4 9.134 8.843 X $4,783 $4,435 X $437 $392 X2012 1 8.819 8.365 X $4,192 $4,158 X $370 $348 X2012 2 8.400 8.603 X $3,708 $3,859 X $311 $332 X2012 3 7.840 8.209 X $3,973 $4,111 X $311 $337 X2012 4 8.059 7.802 X $4,291 $3,979 X $346 $310 X2013 1 9.106 8.638 X $3,963 $3,930 X $361 $339 X2013 2 7.847 8.036 X $3,512 $3,656 X $276 $294 X2013 3 7.234 7.575 X $3,813 $3,946 X $276 $299 X2013 4 9.103 8.813 X $3,992 $3,701 X $363 $326 X2014 1 10.475 9.936 X $3,850 $3,818 X $403 $379 X2014 2 7.456 7.636 $4,056 $4,221 $302 $3222014 3 7.307 7.651 $3,663 $3,790 $268 $2902014 4 7.910 7.658 $4,059 $3,763 $321 $2882015 1 9.947 9.435 X $3,918 $3,885 X $390 $367 X2015 2 7.884 8.074 $3,637 $3,786 $287 $3062015 3 7.579 7.936 $3,908 $4,044 $296 $3212015 4 7.852 7.602 $4,221 $3,914 $331 $2982016 1 8.126 7.707 $3,868 $3,836 $314 $2962016 2 7.381 7.559 $3,765 $3,919 $278 $2962016 3 7.263 7.605 $3,790 $3,922 $275 $2982016 4 7.550 7.310 $4,344 $4,028 $328 $2942017 1 7.508 7.122 $3,928 $3,895 $295 $2772017 2 7.154 7.327 $3,733 $3,885 $267 $2852017 3 6.831 7.152 $3,781 $3,913 $258 $2802017 4 7.481 7.243 $4,197 $3,892 $314 $2822018 1 7.630 7.237 $3,963 $3,930 $302 $2842018 2 6.747 6.910 $3,680 $3,830 $248 $2652018 3 6.621 6.932 $3,780 $3,911 $250 $2712018 4 7.426 7.190 $4,295 $3,983 $319 $2862019 1 7.355 6.976 $4,033 $3,999 $297 $2792019 2 6.784 6.948 $3,712 $3,864 $252 $268



Frequency Severity Pure PremiumHistorical Selection -1.92% 0.52% -1.41%Future Selection -1.92% 0.52% -1.41%

Page 50 of 79

Exhibit E-1


Coverage: Medical/No FaultAccident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 3 0.000 0.000 X $0 $0 X $0 $0 X2010 4 0.000 0.000 X $0 $0 X $0 $0 X2011 1 0.000 0.000 X $0 $0 X $0 $0 X2011 2 0.000 0.000 X $0 $0 X $0 $0 X2011 3 5.050 5.008 X $1,963 $1,917 X $99 $96 X2011 4 3.347 3.135 X $5,771 $5,773 X $193 $181 X2012 1 2.829 3.053 X $1,761 $1,753 X $50 $54 X2012 2 3.720 3.711 X $2,945 $3,028 X $110 $112 X2012 3 3.132 3.106 X $3,464 $3,384 X $109 $105 X2012 4 2.935 2.749 X $7,127 $7,129 X $209 $196 X2013 1 2.323 2.507 X $3,176 $3,161 X $74 $79 X2013 2 2.705 2.699 X $4,911 $5,050 X $133 $136 X2013 3 2.451 2.430 X $2,538 $2,478 X $62 $60 X2013 4 2.946 2.760 X $2,994 $2,995 X $88 $83 X2014 1 2.335 2.520 $2,975 $2,961 $69 $752014 2 2.148 2.142 $3,060 $3,147 $66 $672014 3 2.261 2.241 $3,261 $3,186 $74 $712014 4 2.401 2.249 $3,039 $3,040 $73 $682015 1 2.569 2.772 X $3,484 $3,467 X $89 $96 X2015 2 2.428 2.422 X $3,365 $3,460 X $82 $84 X2015 3 2.343 2.323 $3,450 $3,370 $81 $782015 4 2.396 2.244 $3,217 $3,218 $77 $722016 1 2.056 2.219 $3,135 $3,120 $64 $692016 2 2.148 2.143 $3,257 $3,349 $70 $722016 3 2.103 2.085 $2,936 $2,867 $62 $602016 4 2.243 2.101 $3,329 $3,330 $75 $702017 1 1.793 1.935 $3,209 $3,195 $58 $622017 2 1.823 1.819 $2,731 $2,808 $50 $512017 3 1.858 1.842 $3,079 $3,007 $57 $552017 4 1.872 1.753 $3,194 $3,195 $60 $562018 1 1.578 1.703 $3,294 $3,278 $52 $562018 2 1.724 1.720 $3,201 $3,292 $55 $572018 3 1.608 1.595 $3,543 $3,460 $57 $552018 4 1.648 1.544 $3,127 $3,128 $52 $482019 1 1.413 1.525 $3,391 $3,375 $48 $512019 2 1.766 1.762 $3,313 $3,407 $59 $60




Page 51 of 79

Exhibit E-1


Coverage: TowingAccident Quarter Data Developed to Ultimate

Loss Trend


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2010 3 0.000 0.000 $0 $0 $0 $0 X2010 4 0.000 0.000 $0 $0 $0 $0 X2011 1 0.000 0.000 $0 $0 $0 $0 X2011 2 0.000 0.000 $0 $0 $0 $0 X2011 3 10.060 10.259 $112 $112 $11 $11 X2011 4 13.869 14.006 $96 $97 $13 $13 X2012 1 18.599 17.387 $100 $99 $19 $17 X2012 2 12.088 12.831 $88 $87 $11 $11 X2012 3 16.859 17.192 $90 $91 $15 $15 X2012 4 23.960 24.197 $91 $92 $22 $22 X2013 1 15.051 14.071 $96 $95 $14 $13 X2013 2 15.229 16.166 $94 $93 $14 $15 X2013 3 11.369 11.593 $103 $103 $12 $12 X2013 4 12.989 13.117 $100 $101 $13 $13 X2014 1 14.288 13.357 $105 $104 $15 $14 X2014 2 10.781 11.445 $103 $103 $11 $12 X2014 3 11.119 11.339 $104 $104 $12 $12 X2014 4 10.137 10.238 $101 $103 $10 $102015 1 12.879 12.040 $107 $106 $14 $132015 2 10.631 11.285 $106 $106 $11 $122015 3 10.113 10.312 $108 $108 $11 $112015 4 9.622 9.718 $108 $110 $10 $112016 1 10.573 9.884 $107 $106 $11 $102016 2 8.949 9.499 $105 $104 $9 $102016 3 9.914 10.110 $108 $109 $11 $11 X2016 4 9.520 9.615 $107 $109 $10 $10 X2017 1 8.958 8.374 $106 $105 $10 $92017 2 8.406 8.923 $110 $109 $9 $102017 3 8.804 8.977 $100 $100 $9 $92017 4 9.790 9.887 $104 $105 $10 $102018 1 11.024 10.306 $106 $105 $12 $112018 2 8.904 9.452 $106 $105 $9 $102018 3 9.253 9.435 $110 $110 $10 $102018 4 9.101 9.191 $106 $108 $10 $102019 1 8.651 8.087 $106 $105 $9 $92019 2 7.938 8.426 $102 $101 $8 $9 X



Frequency Severity Pure PremiumHistorical Selection 0.03% 0.95% 0.98%Future Selection 0.03% 0.95% 0.98%

Page 52 of 79

Exhibit E-2

FastTrack DataPennsylvania

Coverage: Bodily Injury LiabilityCalendar Quarter Data

Loss Trend Exhibit


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2013 32013 42014 12014 2 0.922 0.958 $12,871 $12,995 $122 $1242014 3 0.966 0.970 $13,572 $13,469 $124 $1302014 4 1.014 0.937 X $15,135 $14,831 X $156 $1422015 1 0.935 0.954 $13,298 $13,514 $126 $1302015 2 0.927 0.963 $13,169 $13,296 $128 $1292015 3 0.959 0.963 $13,841 $13,736 $129 $1352015 4 1.060 0.980 $13,658 $13,384 $144 $1312016 1 0.978 0.999 $12,745 $12,952 $123 $1282016 2 0.950 0.987 $13,270 $13,398 $126 $1272016 3 0.961 0.965 $12,917 $12,819 $123 $1282016 4 1.036 0.958 $14,229 $13,944 $139 $1262017 1 0.954 0.974 $13,934 $14,160 $130 $1352017 2 0.904 0.940 $14,533 $14,673 $131 $1332017 3 0.893 0.896 $15,207 $15,092 $131 $1372017 4 0.930 0.860 $15,250 $14,944 $141 $1292018 1 0.849 0.867 $15,072 $15,317 $127 $1312018 2 0.839 0.872 $16,598 $16,758 X $142 $1442018 3 0.882 0.885 $14,990 $14,877 $122 $1282018 4 0.929 0.858 $15,647 $15,333 $144 $1312019 1 0.803 0.819 $15,193 $15,440 $130 $1352019 2




Page 53 of 79

Exhibit E-2


Coverage: Property Damage LiabilityCalendar Quarter Data

Loss Trend Exhibit


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2013 32013 42014 12014 2 4.779 4.909 $3,027 $3,045 $144 $1502014 3 4.752 4.820 $3,089 $3,134 $146 $1512014 4 4.829 4.774 $3,129 $3,106 $151 $1482015 1 5.061 4.878 $3,219 $3,166 $162 $1542015 2 4.895 5.029 $3,199 $3,219 $156 $1622015 3 4.888 4.957 $3,270 $3,318 $159 $1642015 4 4.966 4.908 $3,409 $3,384 $169 $1662016 1 5.112 4.928 $3,434 $3,377 $175 $1662016 2 4.627 4.754 $3,406 $3,427 $157 $1632016 3 4.815 4.884 $3,331 $3,380 $160 $1652016 4 4.867 4.811 $3,453 $3,427 $168 $1652017 1 4.736 4.564 X $3,696 $3,635 X $175 $1662017 2 4.659 4.787 $3,542 $3,564 $165 $1712017 3 4.714 4.781 $3,471 $3,522 $163 $1682017 4 4.783 4.728 $3,567 $3,541 $170 $1672018 1 4.897 4.720 $3,624 $3,563 $177 $1682018 2 4.478 4.600 $3,585 $3,607 $160 $1662018 3 4.481 4.545 $3,625 $3,678 $162 $1672018 4 4.722 4.667 $3,788 $3,761 $178 $1762019 1 4.689 4.519 $3,884 $3,820 $182 $1722019 2



Frequency Severity Pure PremiumHistorical Selection N/A N/A N/AFuture Selection N/A N/A N/A

Page 54 of 79

Exhibit E-2


Coverage: ComprehensiveCalendar Quarter Data

Loss Trend Exhibit


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2013 32013 42014 12014 2 6.592 6.211 $2,555 $2,720 $167 $1682014 3 4.840 5.093 $1,545 $1,697 $74 $862014 4 4.720 4.598 $1,927 $1,561 $90 $712015 1 4.174 4.322 $1,444 $1,525 $60 $652015 2 4.677 4.407 $1,275 $1,357 $59 $592015 3 4.245 4.467 $1,440 $1,582 $61 $702015 4 4.516 4.400 $2,083 $1,687 $93 $742016 1 4.073 4.217 $1,654 $1,747 $67 $732016 2 3.935 3.707 $1,504 $1,602 $59 $592016 3 3.856 4.057 $1,558 $1,712 $60 $692016 4 4.219 4.111 $2,298 $1,861 $96 $762017 1 4.224 4.373 $1,653 $1,746 $69 $762017 2 4.363 4.111 $1,489 $1,586 $64 $652017 3 4.261 4.483 $1,524 $1,674 $64 $742017 4 4.848 4.723 $2,071 $1,677 $100 $792018 1 4.851 5.022 $1,593 $1,682 $77 $842018 2 5.118 4.821 $1,428 $1,521 $72 $732018 3 4.641 4.883 $1,667 $1,831 $77 $892018 4 5.305 5.169 $2,090 $1,693 $110 $872019 1 4.922 5.096 $1,662 $1,755 $81 $892019 2




Page 55 of 79

Exhibit E-2


Coverage: CollisionCalendar Quarter Data

Loss Trend Exhibit


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2013 32013 42014 12014 2 6.964 7.075 $3,360 $3,600 $234 $2592014 3 6.942 7.089 $3,716 $3,812 $258 $2742014 4 7.192 7.264 $3,921 $3,786 $282 $2782015 1 8.592 8.104 X $4,279 $3,972 X $367 $3162015 2 7.366 7.483 $3,626 $3,884 $267 $2952015 3 7.235 7.388 $3,764 $3,862 $272 $2892015 4 7.171 7.243 $4,099 $3,958 $294 $2902016 1 7.859 7.413 $4,180 $3,880 $328 $2822016 2 6.921 7.031 $3,931 $4,212 $272 $3012016 3 7.321 7.476 $4,078 $4,184 $298 $3172016 4 7.301 7.374 $4,299 $4,151 $314 $3102017 1 7.809 7.367 $4,254 $3,949 $332 $2852017 2 7.813 7.937 $3,508 $3,758 $274 $3032017 3 8.020 8.190 $3,488 $3,579 $279 $2972017 4 7.879 7.958 $3,847 $3,715 $303 $2992018 1 8.983 8.474 $4,130 $3,834 $371 $3192018 2 7.937 8.063 $3,704 $3,968 $294 $3252018 3 7.589 7.750 $3,905 $4,006 $296 $3152018 4 8.320 8.403 $3,982 $3,845 $331 $3272019 1 8.624 8.135 $4,250 $3,945 $366 $3152019 2




Page 56 of 79

Exhibit E-2


Coverage: No FaultCalendar Quarter Data

Loss Trend Exhibit


Year Quarter Frequency* Frequency** Exc*** Severity Severity** Exc*** Pure Prem Pure Prem** Exc***2013 32013 42014 12014 2 2.103 2.145 $3,123 $3,138 $66 $672014 3 1.970 2.045 X $3,058 $3,016 X $60 $62 X2014 4 2.082 2.059 X $3,410 $3,375 X $71 $69 X2015 1 2.172 2.085 $3,204 $3,252 $69 $682015 2 2.143 2.186 $3,078 $3,092 $66 $672015 3 2.025 2.102 $3,193 $3,149 $64 $662015 4 2.112 2.089 $3,243 $3,210 $68 $672016 1 2.255 2.164 $3,099 $3,145 $70 $682016 2 2.059 2.100 $3,238 $3,253 $66 $682016 3 2.062 2.141 $3,215 $3,171 $66 $682016 4 2.165 2.141 $3,124 $3,092 $67 $662017 1 2.204 2.116 $3,107 $3,153 $68 $672017 2 2.037 2.078 $3,181 $3,196 $65 $662017 3 2.027 2.104 $3,106 $3,064 $63 $642017 4 2.086 2.063 $3,057 $3,026 $64 $622018 1 2.148 2.061 $3,174 $3,221 $68 $662018 2 1.983 2.023 $3,122 $3,136 $62 $632018 3 1.898 1.970 $3,321 $3,275 $63 $642018 4 2.008 1.986 $3,372 $3,338 $68 $662019 1 2.053 1.971 $3,007 $3,052 $62 $602019 2




Page 57 of 79

Exhibit F


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Bodily Injury

Premium Trend

DeseasonalizedMonthly Monthly Average

Obs Cal Month/Yr Premium at Current Earned Exposures Rate1 Jul 2016 3,453,564 10,827 319.932 Aug 2016 3,466,930 10,973 317.613 Sep 2016 3,357,762 10,722 314.734 Oct 2016 3,475,490 11,168 312.195 Nov 2016 3,369,977 10,899 309.646 Dec 2016 3,487,959 11,347 307.247 Jan 2017 3,500,409 11,475 304.358 Feb 2017 3,169,808 10,444 301.979 Mar 2017 3,508,880 11,633 300.12

10 Apr 2017 3,383,405 11,317 298.0011 May 2017 3,482,634 11,739 296.2612 Jun 2017 3,352,023 11,394 294.3313 Jul 2017 3,438,984 11,792 292.3014 Aug 2017 3,407,825 11,788 290.5415 Sep 2017 3,262,964 11,381 288.1416 Oct 2017 3,342,326 11,720 286.0817 Nov 2017 3,206,935 11,305 284.0718 Dec 2017 3,284,371 11,618 282.5619 Jan 2018 3,249,744 11,554 280.6320 Feb 2018 2,906,162 10,380 278.5721 Mar 2018 3,195,615 11,472 277.1622 Apr 2018 3,069,906 11,083 276.1223 May 2018 3,147,260 11,432 274.9224 Jun 2018 3,013,521 11,016 273.6725 Jul 2018 3,075,367 11,328 272.1026 Aug 2018 3,026,210 11,245 270.4627 Sep 2018 2,882,306 10,790 268.4628 Oct 2018 2,939,688 11,036 267.2329 Nov 2018 2,799,338 10,558 265.5130 Dec 2018 2,850,002 10,784 264.1631 Jan 2019 2,806,016 10,662 262.5832 Feb 2019 2,494,861 9,505 261.1633 Mar 2019 2,715,426 10,399 259.8134 Apr 2019 2,576,694 9,957 257.9635 May 2019 2,615,465 10,188 256.38

Historical Premium Trend -6.7%Future Premium Trend -6.8%

Page 58 of 79

Exhibit F


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Property Damage

Premium Trend





Page 59 of 79

Exhibit F


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Uninsured Motorist

Premium Trend





Page 60 of 79

Exhibit F


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Comprehensive

Premium Trend




Historical Premium Trend -0.7%Future Premium Trend 0.1%

Page 61 of 79

Exhibit F


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Collision

Premium Trend





Page 62 of 79

Exhibit F


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Medical/No-Fault

Premium Trend



10 Apr 2017 1,436,168 11,317 126.4911 May 2017 1,471,755 11,739 125.2012 Jun 2017 1,408,548 11,394 123.6813 Jul 2017 1,439,380 11,792 122.3414 Aug 2017 1,423,355 11,788 121.3515 Sep 2017 1,353,675 11,381 119.5416 Oct 2017 1,381,328 11,720 118.2317 Nov 2017 1,318,219 11,305 116.7718 Dec 2017 1,343,590 11,618 115.5919 Jan 2018 1,322,096 11,554 114.1720 Feb 2018 1,178,023 10,380 112.9221 Mar 2018 1,291,540 11,472 112.0222 Apr 2018 1,236,640 11,083 111.2323 May 2018 1,262,990 11,432 110.3224 Jun 2018 1,202,747 11,016 109.2325 Jul 2018 1,221,931 11,328 108.1126 Aug 2018 1,196,726 11,246 106.9527 Sep 2018 1,135,570 10,790 105.7728 Oct 2018 1,152,075 11,036 104.7329 Nov 2018 1,094,305 10,558 103.7930 Dec 2018 1,109,217 10,784 102.8131 Jan 2019 1,090,392 10,662 102.0332 Feb 2019 964,939 9,505 101.0133 Mar 2019 1,047,052 10,399 100.1834 Apr 2019 991,352 9,957 99.2535 May 2019 1,003,317 10,188 98.35


Page 63 of 79

Exhibit F


Private Passenger Automobile (Excluding Motorcycles, Motor Homes)Towing

Premium Trend


Obs Cal Month/Yr Premium at Current Earned Exposures Rate1 Jul 2016 96,151 6,282 15.352 Aug 2016 97,380 6,369 15.373 Sep 2016 95,168 6,216 15.394 Oct 2016 99,459 6,480 15.405 Nov 2016 97,182 6,318 15.406 Dec 2016 101,360 6,578 15.407 Jan 2017 102,509 6,656 15.378 Feb 2017 93,625 6,062 15.379 Mar 2017 104,156 6,747 15.36

10 Apr 2017 101,004 6,555 15.3611 May 2017 104,436 6,792 15.3612 Jun 2017 101,119 6,588 15.3613 Jul 2017 104,340 6,813 15.3514 Aug 2017 103,999 6,814 15.3415 Sep 2017 100,440 6,580 15.3416 Oct 2017 103,631 6,777 15.3417 Nov 2017 100,241 6,544 15.3418 Dec 2017 103,450 6,744 15.3319 Jan 2018 103,253 6,720 15.3320 Feb 2018 92,995 6,036 15.3321 Mar 2018 102,824 6,674 15.3322 Apr 2018 99,030 6,442 15.3223 May 2018 101,766 6,634 15.3224 Jun 2018 97,671 6,383 15.3125 Jul 2018 100,139 6,561 15.3026 Aug 2018 99,095 6,512 15.2927 Sep 2018 94,890 6,241 15.2828 Oct 2018 97,062 6,375 15.2729 Nov 2018 93,122 6,105 15.2730 Dec 2018 95,367 6,243 15.2731 Jan 2019 94,558 6,180 15.2732 Feb 2019 84,571 5,512 15.2733 Mar 2019 92,462 6,028 15.2634 Apr 2019 88,337 5,769 15.2635 May 2019 90,147 5,899 15.26


Page 64 of 79

Exhibit G

Pennsylvania

All Programs

Evaluation Date: Quarter 2, 2019

Catastrophe Factor

Fiscal Paid Catastrophe Normal Catastrophe Trended Include/Year Loss & DCC Loss & DCC Loss & DCC Factor Ratio Exclude

2012 206,135 7,677 198,457 1.0387 1.056 T2013 1,261,344 99,595 1,161,749 1.0857 1.102 T2014 3,864,604 1,656,193 2,208,410 1.7499 1.773 T2015 4,967,351 239,529 4,727,822 1.0507 1.063 T2016 7,001,892 110,729 6,891,164 1.0161 1.026 T2017 9,445,220 135,267 9,309,953 1.0145 1.022 T2018 10,484,127 438,765 10,045,362 1.0437 1.050 T2019 9,430,485 1,114,590 8,315,895 1.1340 1.138 TTotal 46,660,860 3,802,345 42,858,515 1.0887 1.025

Annualized exponential trend 0.0019Selected historical trend 0.0019

Selected future trend 0.0019Trending period 1.6194

Average of included trended ratios 1.1537

Selected : 1.1537

Line of Business: Auto

Page 65 of 79

Exhibit H-1

State: NF (Ex-CA/TX/EAE)Coverage: Bodily Injury (BI)Cap: $75,000 per claim unit

Large Loss Load - BI

[1] [2] [3] [4] [5]Accident Ultimate Losses =[2]÷[3] Trended Include/Quarter Uncapped Capped Uncapped/Capped Ratio Ratio Exclude2009Q3 17,015,592 14,146,664 1.2028 1.3315 T2009Q4 14,398,195 12,566,779 1.1457 1.2655 T2010Q1 13,107,300 10,220,804 1.2824 1.4133 T2010Q2 13,366,265 11,879,744 1.1251 1.2372 T2010Q3 14,160,228 11,831,828 1.1968 1.3131 T2010Q4 14,599,999 12,149,011 1.2017 1.3155 T2011Q1 12,471,729 10,946,399 1.1393 1.2444 T2011Q2 14,772,110 13,025,478 1.1341 1.2359 T2011Q3 14,941,955 13,204,980 1.1315 1.2304 T2011Q4 15,729,359 13,918,917 1.1301 1.2261 T2012Q1 16,403,939 13,469,493 1.2179 1.3184 T2012Q2 17,874,591 14,587,688 1.2253 1.3235 T2012Q3 18,090,579 14,604,468 1.2387 1.3349 T2012Q4 19,951,256 16,377,844 1.2182 1.3099 T2013Q1 16,861,520 13,810,601 1.2209 1.3099 T2013Q2 16,499,409 13,844,667 1.1918 1.2758 T2013Q3 19,642,680 15,316,333 1.2825 1.3698 T2013Q4 15,201,972 12,760,270 1.1914 1.2696 T2014Q1 11,467,726 10,216,735 1.1224 1.1935 T2014Q2 16,828,408 13,049,041 1.2896 1.3683 T2014Q3 17,411,603 14,275,473 1.2197 1.2912 T2014Q4 16,513,411 13,077,160 1.2628 1.3338 T2015Q1 14,697,467 12,086,001 1.2161 1.2816 T2015Q2 16,304,278 12,935,109 1.2605 1.3254 T2015Q3 15,768,259 13,657,191 1.1546 1.2114 T2015Q4 17,494,828 13,641,201 1.2825 1.3426 T2016Q1 15,142,272 11,641,929 1.3007 1.3585 T2016Q2 16,742,368 13,178,538 1.2704 1.3240 T2016Q3 18,438,594 14,526,981 1.2693 1.3198 T2016Q4 17,204,243 13,880,668 1.2394 1.2859 T2017Q1 13,211,675 10,199,430 1.2953 1.3409 T2017Q2 18,103,773 13,315,195 1.3596 1.4043 T2017Q3 17,905,457 14,078,967 1.2718 1.3107 T2017Q4 16,894,051 12,959,773 1.3036 1.3404 T2018Q1 13,269,138 10,681,780 1.2422 1.2745 T2018Q2 18,360,998 14,061,895 1.3057 1.3367 T2018Q3 17,937,884 12,703,536 1.4120 1.4423 T2018Q4 15,329,624 12,349,416 1.2413 1.2651 T2019Q1 13,978,007 11,830,612 1.1815 1.2014 T2019Q2 16,481,251 13,214,393 1.2472 1.2654 T

(7) CW Quarterly exponential regression 1.0022(8) CW Annualized exponential trend 0.9%(9) Selected historical trend (up to 2019Q2) 0.9%

(10) Selected future trend (from 2019Q2) 0.9%(11) Trending period, in years, from 2019Q2 1.6194(12) Average of included trended ratios 1.3036

Page 66 of 79

Exhibit H-2

State: NF (Ex-CA/TX/EAE)Coverage: Uninsured Motorist Bodily Injury (UMB)Cap: $75,000 per claim unit

Large Loss Load - UMB

[1] [2] [3] [4] [5]Accident Ultimate Losses =[2]÷[3] Trended Include/Quarter Uncapped Capped Uncapped/Capped Ratio Ratio Exclude2009Q3 4,065,353 3,030,818 1.3413 1.4841 T2009Q4 4,074,549 3,128,813 1.3023 1.4376 T2010Q1 3,439,246 2,515,879 1.3670 1.5058 T2010Q2 4,531,681 2,826,681 1.6032 1.7620 T2010Q3 4,219,512 3,507,880 1.2029 1.3191 T2010Q4 4,527,031 3,402,071 1.3307 1.4560 T2011Q1 2,561,598 2,248,489 1.1393 1.2438 T2011Q2 2,888,527 2,550,122 1.1327 1.2339 T2011Q3 4,209,040 3,526,190 1.1937 1.2974 T2011Q4 5,338,245 4,341,299 1.2296 1.3335 T2012Q1 4,712,092 3,001,387 1.5700 1.6988 T2012Q2 5,063,871 4,368,187 1.1593 1.2516 T2012Q3 5,005,853 4,304,241 1.1630 1.2529 T2012Q4 4,926,613 4,007,314 1.2294 1.3215 T2013Q1 4,185,687 3,246,969 1.2891 1.3826 T2013Q2 5,038,311 4,118,382 1.2234 1.3091 T2013Q3 4,162,561 3,136,284 1.3272 1.4171 T2013Q4 5,203,558 3,859,996 1.3481 1.4362 T2014Q1 5,059,862 3,701,463 1.3670 1.4531 T2014Q2 5,411,299 4,053,225 1.3351 1.4160 T2014Q3 3,192,317 2,657,938 1.2011 1.2711 T2014Q4 3,519,467 3,131,034 1.1241 1.1869 T2015Q1 5,349,347 3,975,896 1.3454 1.4175 T2015Q2 3,524,722 2,774,342 1.2705 1.3356 T2015Q3 5,776,495 4,054,453 1.4247 1.4944 T2015Q4 6,383,715 4,268,288 1.4956 1.5653 T2016Q1 4,985,487 3,793,422 1.3142 1.3724 T2016Q2 3,879,786 3,184,226 1.2184 1.2695 T2016Q3 5,185,631 3,646,470 1.4221 1.4784 T2016Q4 5,311,548 3,670,929 1.4469 1.5009 T2017Q1 4,430,983 3,265,830 1.3568 1.4043 T2017Q2 4,812,901 3,565,057 1.3500 1.3942 T2017Q3 7,979,138 4,919,920 1.6218 1.6711 T2017Q4 5,331,553 3,453,475 1.5438 1.5873 T2018Q1 3,954,362 2,347,569 1.6844 1.7280 T2018Q2 6,380,724 4,712,239 1.3541 1.3860 T2018Q3 5,592,332 3,509,161 1.5936 1.6276 T2018Q4 4,976,220 3,838,135 1.2965 1.3212 T2019Q1 3,889,872 2,822,117 1.3784 1.4015 T2019Q2 5,165,348 3,509,797 1.4717 1.4930 T

(7) CW Quarterly exponential regression 1.0022(8) CW Annualized exponential trend 0.9%(9) Selected historical trend (up to 2019Q2) 0.9%

(10) Selected future trend (from 2019Q2) 0.9%(11) Trending period, in years, from 2019Q2 1.6194(12) Average of included trended ratios 1.4230

Page 67 of 79

Exhibit I-1


Expense AnalysisPennsylvania

Exclusive AgentsPrivate Passenger Auto

(Amounts in Thousands)

Expense 2016 2017 2018 SelectedComponent Amount % Amount % Amount % %

Premiums Written $123,152 100.0% $142,178 100.0% $143,816 100.0%Commissions and Brokerage $15,500 12.6% $16,061 11.3% $15,036 10.5% 10.5%

Taxes, Licenses, & Fees $2,920 2.4% $3,375 2.4% $3,376 2.3% 2.1%Premiums Earned $117,277 100.0% $138,544 100.0% $144,411 100.0%

Other Acquisition & General $25,238 21.5% $27,202 19.6% $25,271 17.5% 14.9%Other Income less Other Expenses ($470) -0.4% ($17) 0.0% ($776) -0.5% -0.2%

Total 36.1% 33.3% 29.8% 27.3%

Adjusting and Other (Liability) $10,708 16.2% $15,076 19.1% $14,489 17.5% 11.0%Premiums Earned (Liability) $66,256 $78,765 $82,706

Adjusting and Other (Phys Dam) $3,710 7.3% $4,362 7.3% 4,653 7.5% 11.0%Premiums Earned (Phys Dam) $51,021 $59,779 $61,704

Page 68 of 79

Exhibit I-1

SOURCES

Premiums Written Financials underlying Annual Statement Page 14Lines 19.1, 19.2, and 21.1column 1

Commissions and Brokerage Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 23

Taxes, Licenses, & Fees Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1column 25

Premiums Earned Financials underlying Annual Statement Page 14Lines 19.1, 19.2, and 21.1column 2

Other Acquisition & General Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 27 and 29

Other Income less Other Expenses Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 31

Adjusting and Other Financials underlying Insurance Expense Exhibit Part IIILines 19.1, 19.2, and 21.1columns 11

Page 69 of 79

Exhibit I-2

Farmers Insurance GroupProjected Investment Income Ratio

Percent of Total Assets

(000 Omitted)

2016 2017 2018

(1) Net Investment Income Earned 322,855 319,415 382,654

FIG Consolidated Annual Statement

Page 4, Line 9, Column 1

(2) Total Assets, current year 23,755,096 23,356,899 24,188,459



(3) Total Assets, previous year 23,761,149 23,755,096 23,356,899



(4) Average Total Assets 23,758,123 23,555,998 23,772,679

[ (2) + (3) ] / 2

(5) Investment Income Ratio 1.4% 1.4% 1.6%

(1) / (4)

(6) Projected Investment Income 1.6%

Page 70 of 79

Exhibit I-3

Farmers Insurance GroupNet Realized Capital Gains

Percent of Total Assets

(000 Omitted)

Total Avg. with Realized Cap. Percent AverageYear Assets* Prior Year Gains** Return Cap Gains

1980 3,634,699 (10,494)1981 3,926,527 3,780,613 (12,486) -0.3% -0.3%1982 4,223,299 4,074,913 (26,853) -0.7% -0.5%1983 4,598,221 4,410,760 (3,773) -0.1% -0.4%1984 4,903,894 4,751,058 17,446 0.4% -0.2%1985 5,676,097 5,289,995 82,360 1.6% 0.2%1986 6,956,911 6,316,504 122,176 1.9% 0.5%1987 7,775,115 7,366,013 28,205 0.4% 0.5%1988 8,707,533 8,241,324 141,175 1.7% 0.6%1989 9,640,862 9,174,198 87,070 0.9% 0.6%1990 10,612,794 10,126,828 90,738 0.9% 0.7%1991 11,580,703 11,096,749 236,461 2.1% 0.8%1992 12,357,318 11,969,011 344,083 2.9% 1.0%1993 13,340,263 12,848,791 316,809 2.5% 1.1%1994 12,683,956 13,012,110 168,748 1.3% 1.1%1995 12,050,610 12,367,283 157,480 1.3% 1.1%1996 12,041,209 12,045,910 150,743 1.3% 1.1%1997 12,357,046 12,199,128 297,625 2.4% 1.2%1998 14,763,606 13,560,326 74,597 0.6% 1.2%1999 15,603,826 15,183,716 27,009 0.2% 1.1%2000 16,155,992 15,879,909 (12,277) -0.1% 1.1%2001 14,908,778 15,532,385 363,945 2.3% 1.1%2002 15,726,766 15,317,772 184,329 1.2% 1.1%2003 17,048,575 16,387,670 20,284 0.1% 1.1%2004 18,408,620 17,728,598 37,617 0.2% 1.0%2005 19,568,397 18,988,509 6,567 0.0% 1.0%2006 20,735,536 20,151,967 42,800 0.2% 1.0%2007 22,389,097 21,562,317 127,825 0.6% 1.0%2008 22,014,931 22,202,014 (112,450) -0.5% 0.9%2009 24,877,329 23,446,130 7,424 0.0% 0.9%2010 24,553,874 24,715,601 24,051 0.1% 0.8%2011 24,179,168 24,366,521 61,669 0.3% 0.8%2012 24,301,351 24,240,259 79,940 0.3% 0.8%2013 24,094,804 24,198,077 71,048 0.3% 0.8%2014 24,145,287 24,120,045 108,474 0.4% 0.8%2015 23,761,149 23,953,218 156,043 0.7% 0.8%2016 23,755,096 23,758,123 27,529 0.1% 0.8%2017 23,356,899 23,555,998 94,763 0.4% 0.8%2018 24,188,459 23,766,818 51,916 0.2% 0.7%

0.2%

* Source: Annual Statement Page 2, Line 26, Column 3** Source: Annual Statement Page 4, Line 10, Column 1 (Pre-tax amount)

Page 71 of 79

Exhibit I-4

Farmers Insurance GroupFederal Taxes on Investment Income

(000 Omitted)2016 2017 2018

TAXABLE TAXABLE TAXABLE TAXABLE TAXABLE TAXABLETYPE OF INVESTMENT INCOME PORTION INCOME INCOME PORTION INCOME INCOME PORTION INCOME SOURCE

Taxable Bonds $331,421 100.0% $331,421 $324,975 100.0% $324,975 $383,247 100.0% $383,247 Page 12 Exhibit of Net Investment Income Lines 1 and 1.2, Col 2

Tax-Exempt Bonds Page 12 Exhibit of Net Investment IncomeOld (prior to 8/86) 0 0.0% 0 0 0.0% 0 0 0.0% 0 Line 1.1, Col 2New (after to 8/86) 117,136 25.0% 29,284 116,461 25.0% 29,115 107,456 25.0% 26,864

Stocks Page 12 Exhibit of Net Investment IncomeOld (prior to 8/86) 0 50.0% 0 0 50.0% 0 0 50.0% 0 Lines 2.1 and 2.2, Col 2New (after to 8/86) 14,745 62.5% 9,216 14,352 62.5% 8,970 14,345 62.5% 8,966 * See Footnote

Other Investment Income 53,358 100.0% 53,358 69,888 100.0% 69,888 75,675 100.0% 75,675 Page 12 Exhibit of Net Investment Income Lines 3 through 9, Col 2

Realized Capital Gains 64,862 100.0% 64,862 51,730 100.0% 51,730 52,176 100.0% 52,176 Page 4, Line 10 (EXPECTED)

GROSS TOTAL 581,522 488,140 577,405 484,677 632,899 546,927

Investment Expenses 194,340 100.0% 194,340 206,795 100.0% 206,795 198,069 100.0% 198,069 Page 12 Exhibit of Net Investment Income Line 16, Col 2

NET TOTAL 387,182 293,801 370,610 277,883 434,830 348,858

CORPORATE TAX RATE (Assuming Regular Taxpayer) 21.0% 21.0% 21.0%

TAX AMOUNT 61,698 58,355 73,260

TAX AMOUNT AS % OF INVESTMENT INCOME 15.9% 15.7% 16.8% 16.2%= ti

* 50% of income is fully taxable, the remainder is 25% taxable.

Page 72 of 79

Exhibit I-5

Farmers Insurance GroupUnearned Premium Reserves

Private Passenger Auto Liability

(1) 2018 Direct Earned Premium 4,900,479,606

(2) 2018 Unearned Premium Reserve 1,316,981,576(3) 2017 Unearned Premium Reserve 1,311,397,522

(4) Average [ (2) + (3) ] / 2 1,314,189,549(5) Percent of Earned Premium (4) / (1) 26.8% = U

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century) Countrywide Annual Statement page 14, Lines 19.1 and 19.2

Page 73 of 79

Exhibit I-6

Farmers Insurance GroupReserves for Loss, Defense and Cost Containment Expenses and Adjusting and Other Expenses

Private Passenger Auto Liability

(000 Omitted)

2016 2017 2018 Selected (Average)

(1a) Direct Losses Incurred 3,117,776 3,072,760 3,079,334

(1b) Direct Defense and Cost Containment Expenses Incurred 154,009 165,612 158,359

(1c) Direct Adjusting and Other Expenses Incurred 521,588 588,134 549,348

(1d) Direct Losses, DCC and A&O Incurred 3,793,374 3,826,506 3,787,042

(2a) Direct Losses Unpaid (Current Year) 3,482,945 3,768,290 4,009,258

(2b) Direct Defense and Cost Containment Expenses Unpaid (Current Year) 309,039 336,635 346,896

(2c) Direct Adjusting and Other Expenses Unpaid (Current Year) 395,546 442,913 462,321

(2d) Direct Losses, DCC and A&O Unpaid (Current Year) 4,187,530 4,547,838 4,818,476

(3a) Direct Losses Unpaid (Prior Year) 3,009,458 3,482,945 3,768,290

(3b) Direct Defense and Cost Containment Expenses Unpaid (Prior Year) 285,823 309,039 336,635

(3c) Direct Adjusting and Other Expenses Unpaid (Prior Year) 354,418 395,546 442,913

(3d) Direct Losses, DCC and A&O Unpaid (Prior Year) 3,649,699 4,187,530 4,547,838

(4) Average [ (2d) + (3d) ] / 2 3,918,615 4,367,684 4,683,157

(5) Percent of Incurred Losses, DCC and A&O (4) / (1d) 103.3% 114.1% 123.7% lr = 113.7%

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century) Countrywide Insurance Expense Exhibit, Part III, Lines 19.1 and 19.2

Page 74 of 79

Exhibit I-7


PennsylvaniaPrivate Passenger Auto Liability

Permissible Loss, DCC and A&O Ratio

Estimate

R = Target Total After-Tax Return on Surplus 15.0%

S = Leverage Ratio 2.00 : 1

Prem:Surplus (=R/RT)

RT = Total After-Tax Return as % of Premium 7.5%

=R/S

E = Underwriting Expenses 27.3%

G = Contingency 0.0%

U = Unearned Premium Reserve 26.8%

lr = Loss, DCC and A&O Reserve 113.7%

i = Investment Income, % of Total Assets 1.8%

tu = Tax Rate on Underwriting Assuming a Regular Taxpayer 21.0%

ti = Tax Rate on Investment Income 16.2%

L = Permissible Loss, DCC and A&O Ratio 66.2%

C = Target Combined Ratio 93.5%= L + E

RT = [(1 - tu) * (1- E - G - L)] (Underwriting Income)

+ (1 - ti) * i * [L * lr + U] (Investment Income on Reserves)

+ [(1 - ti) * i] / S (Investment Income on Surplus)

which yields

L = [(1 - tu) * (1 - E - G)] + {[(1 - ti) * i] * [U + 1 / S]} - RT

1 - tu - (1 - ti) * i * lr

Page 75 of 79

Exhibit I-8

Farmers Insurance GroupUnearned Premium Reserves

Private Passenger Auto Physical Damage

(1) 2018 Direct Earned Premium 3,088,286,028

(2) 2018 Unearned Premium Reserve 832,371,877(3) 2017 Unearned Premium Reserve 822,318,966

(4) Average [ (2) + (3) ] / 2 827,345,422(5) Percent of Earned Premium (4) / (1) 26.8% = U

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century) Countrywide Annual Statement page 14, Line 21.1

Page 76 of 79

Exhibit I-9

Farmers Insurance GroupReserves for Loss, Defense and Cost Containment Expenses and Adjusting and Other Expenses

Private Passenger Auto Physical Damage

(000 Omitted)

2016 2017 2018 Selected (Average)

(1a) Direct Losses Incurred 2,028,142 2,073,647 1,821,862

(1b) Direct Defense and Cost Containment Expenses Incurred 2,529 1,678 2,589

(1c) Direct Adjusting and Other Expenses Incurred 150,299 170,344 196,310

(1d) Direct Losses, DCC and A&O Incurred 2,180,970 2,245,668 2,020,762

(2a) Direct Losses Unpaid (Current Year) 235,728 231,089 183,976

(2b) Direct Defense and Cost Containment Expenses Unpaid (Current Year) 2,452 1,829 1,783

(2c) Direct Adjusting and Other Expenses Unpaid (Current Year) 39,296 39,469 38,203

(2d) Direct Losses, DCC and A&O Unpaid (Current Year) 277,476 272,387 223,962

(3a) Direct Losses Unpaid (Prior Year) 185,099 235,728 231,089

(3b) Direct Defense and Cost Containment Expenses Unpaid (Prior Year) 2,497 2,452 1,829

(3c) Direct Adjusting and Other Expenses Unpaid (Prior Year) 39,362 39,296 39,469

(3d) Direct Losses, DCC and A&O Unpaid (Prior Year) 226,958 277,476 272,387

(4) Average [ (2d) + (3d) ] / 2 252,217 274,931 248,175

(5) Percent of Incurred Losses, DCC and A&O (4) / (1d) 11.6% 12.2% 12.3% lr = 12.0%

Source: FIG (excluding Farmers Re, Bristol West, Foremost and 21st Century) Countrywide Insurance Expense Exhibit, Part III, Line 21.1

Page 77 of 79

Exhibit I-10


PennsylvaniaPrivate Passenger Auto Physical Damage

Permissible Loss, DCC and A&O Ratio

Estimate

R = Target Total After-Tax Return on Surplus 15.0%

S = Leverage Ratio 4.00 : 1

Prem:Surplus (=R/RT)

RT = Total After-Tax Return as % of Premium 3.8%

=R/S

E = Underwriting Expenses 27.3%

G = Contingency 0.0%

U = Unearned Premium Reserve 26.8%

lr = Loss, DCC and A&O Reserve 12.0%

i = Investment Income, % of Total Assets 1.8%

tu = Tax Rate on Underwriting Assuming a Regular Taxpayer 21.0%

ti = Tax Rate on Investment Income 16.2%

L = Permissible Loss, DCC and A&O Ratio 69.1%

C = Target Combined Ratio 96.4%= L + E

RT = [(1 - tu) * (1- E - G - L)] (Underwriting Income)

+ (1 - ti) * i * [L * lr + U] (Investment Income on Reserves)

+ [(1 - ti) * i] / S (Investment Income on Surplus)

which yields

L = [(1 - tu) * (1 - E - G)] + {[(1 - ti) * i] * [U + 1 / S]} - RT

1 - tu - (1 - ti) * i * lr

Page 78 of 79

Exhibit J

Credibility Standard developed using Claimant CountsCoverage mean SD (k=5%,P=90%) (k=2.5%,P=90%)

BI 8,934 14,574 3,962 15,854PD 2,477 2,742 2,407 9,634UM 7,340 15,288 5,776 23,114

COLL 3,249 3,445 2,298 9,198MEDNF 2,913 4,682 3,878 15,520

TOW 3,249 3,445 2,298 9,198

Year 1 Year 2 Year 3BI 1,117 0.531 0.50 0.50 0.00PD 4,324 1.000 1.00 0.00 0.00UM 545 0.307 0.34 0.33 0.33

COLL 6,279 1.000 1.00 0.00 0.00MEDNF 2,196 0.752 0.70 0.30 0.00

TOW 5,986 1.000 1.00 0.00 0.00

The accident year (quarter) weights are determined by taking the annual reported claims counts and comparing to the count of claims required for full credibility.

In selecting the degree of credibility assigned to each coverage, we used a method similar to those described by L.H. Longley-Cook in his paper An Introduction to Credibility Theory. Longley-Cook points out that a sample of 1,082 claims would result in a frequency calculation, which has a 90% probability of being within 5% of the "actual" underlying frequency. He also points out that this sample size must be multiplied by a factor of (1+ T) to achieve the same degree of confidence in the calculated pure premiums, where T is a measure of the variance of the underlying distribution of claim costs, namely the coefficient of variation of claim costs squared (CV^2). Thus, the number of claims per year (based on a rolling 4-quarter sum) needed to have a 90% probability of that annual pure premium amount's being within 5% of the "actual" is calculated as (1 + CV^2) * 1,082 for each coverage. This is taken as the full credibility standard.

We use a round down rule to get to the selected accident year weight. Once the accident year weights have been decided, we divide the annual weights evenly to determine the quarterly weights.

Accident Year and Accident Quarter Weight Selection Method

CoverageReported

CountSingle Year Credibility

Accident Year Weights

Page 79 of 79

Exhibit # Index

1 Average Driver Rate Order of Calculation2A Rate Order of Calculation2B Miscellaneous Rate Order of Calculation2C Rate Order of Calculation3 Driver Class4 Point Assignments5 Driving Record Points6 Violation Aging Factors7 Age / Points Factor8 Age / Tier Factor9 Points / Tier Factor

10 Base Rates & Policy Term Factor11 Household Structure Factor12 Driver-Vehicle Exposure13 Tier Group Definitions14 Rate Matrix15 Zip Code Factors16 City/County Definitions17 Stated Amount18 Customization Amount19 Symbols20 FAS Assignment21 FAS Factors22 Vehicle Type Indicator23 Model Year24 Limits & Deductibles25 Luxury Vehicle Factor26 High Performance27 Alternative Fuel (Hybrid)28 New Car Credit29 Full Coverage Factor30 Electronic Funds Transfer Discount


Farmers Auto 2.0 ProgramPrivate Passenger Automobile Insurance

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31 Affinity Discount32 Transfer Discount33 Excluded Driver34 Auto/Renter35 Auto/Mobile Home Discount36 Auto Specialty Line Discount37 Auto Life Discount38 Liability Core Discount39 First Party Core Discount40 Physical Damage Core Discount41 Address Validation42 Continuous Insurance43 Leased Vehicle Factor44 Limited Tort Factor45 UM Stacking Waiver Factor46 Vehicle Use Factor47 Other Discounts and Surcharges48 Mandated PA Discounts49 Accident Forgiveness and New Vehicle Pledge50 Residual Debt51 Camper/Trailer Coverage52 Rental Packages53 Theft Coverage for Stereo54 Commute to NY/NJ Factor55 Policy Fee56 RLAF57 Rate Cap58 ePolicy Discount59 OEM Parts Coverage60 Vehicle History Factor

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State of PennsylvaniaMid-Century Insurance CompanyFarmers Auto 2.0 ProgramPrivate Passenger Automobile InsuranceBase Rates and Policy TermExhibit 10

BASE RATES

COVERAGE Current Base Rate Proposed Base Rate % ChangeBodily Injury (BI) 215.3110 235.2490 9.26%Property Damage (PD) 93.2727 99.1235 6.27%Medical (MED) 135.6704 141.6564 4.41%Extraordinary Medical (MED) 55.0164 57.4438 4.41%Income Loss 34.1447 35.6512 4.41%Accidental Death Benefit 5.5619 5.8073 4.41%Funeral Expenses 1.8241 1.9046 4.41%Uninsured Motorists BI (UM) - Stacking 17.1371 19.1440 11.71%Underinsured Motorists BI (UIM) - Stacking 26.3597 29.4607 11.76%Comprehensive (COMP) 102.0005 108.9598 6.82%Collision (COLL) 193.3833 198.6856 2.74%Towing and Labor (TOWING) 7.6131 7.8251 2.78%Rental Reimbursement - $50 per day 44.7233 45.8522 2.52%Rental Reimbursement - $100 per day 89.5798 91.8410 2.52%BDOC with Primary - BI 9.4597 10.2907 8.78%BDOC with Primary - PD 4.7939 5.0761 5.89%Med on DOC 5.0752 5.2528 3.50%Extraordinary Medical on DOC 1.5404 1.5943 3.50%Income Loss on DOC on DOC 0.9561 0.9896 3.50%Accidental Death Benefit on DOC 0.1558 0.1613 3.53%Funeral Expenses on DOC 0.0509 0.0527 3.54%

Loss of Use 19.1561 19.6396 2.52%

Glass Ded BB100.00 n/a n/a n/a250.00 15.4420 16.4562 6.57%500.00 27.1465 28.9295 6.57%750.00 29.6880 31.6379 6.57%1000.00 30.7202 32.7379 6.57%1500.00 31.5599 33.6328 6.57%2500.00 32.0240 34.1274 6.57%

Policy Term6 1.0000 1.0000 0.000012 2.0000 2.0000 0.0000

DOC - Drive Other Car

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State of PennsylvaniaMid-Century Insurance CompanyFarmers Auto 2.0 ProgramPrivate Passenger Automobile InsuranceCamper/Trailer CoverageExhibit 51

Amount of Insurance (100% to Actual Cash

Value)

COMP COLL COMP COLL COMP COLL$0 - $1,050 $3.4088 $3.0728 $3.6327 $3.1504 6.57% 2.53%

$1,051 - $1,300 $4.9713 $3.4571 $5.2978 $3.5444 6.57% 2.53% Current Base Rate Proposed Base Rate % Change

$1,301 - $1,600 $5.3975 $4.0973 $5.7520 $4.2007 6.57% 2.52% $0.6260 $0.6671 6.57%

$1,601 - $1,900 $5.9656 $4.8654 $6.3574 $4.9882 6.57% 2.52%$1,901- $2,400 $7.3858 $6.1457 $7.8709 $6.3008 6.57% 2.52%$2,401 - $3,000 $9.6584 $8.1943 $10.2928 $8.4011 6.57% 2.52%$3,001 - $4,000 $12.0730 $10.4989 $12.8660 $10.7639 6.57% 2.52%$4,001 - $5,000 $15.7660 $13.5719 $16.8015 $13.9145 6.57% 2.52% Factor

$5,001 - $6,000 $19.6009 $16.5166 $20.8883 $16.9335 6.57% 2.52% 1.0000

$6,001 - $7,000 $22.7258 $18.8214 $24.2184 $19.2965 6.57% 2.52% 0.5271

$7,001 - $8,000 $26.5610 $21.7662 $28.3055 $22.3156 6.57% 2.52%$8,001 - $9,000 $30.2537 $24.7110 $32.2408 $25.3348 6.57% 2.52%

$9,001 - $10,000 $32.9525 $27.5280 $35.1168 $28.2229 6.57% 2.52%$10,001 - $12,000 $36.7875 $31.2409 $39.2037 $32.0295 6.57% 2.52%$12,001 - $14,000 $42.1850 $35.3382 $44.9557 $36.2302 6.57% 2.52%$14,001 - $16,000 $47.5822 $39.5632 $50.7074 $40.5619 6.57% 2.52%$16,001 - $18,000 $52.9797 $44.3007 $56.4594 $45.4189 6.57% 2.52%$18,001 - $20,000 $58.2348 $48.3978 $62.0597 $49.6195 6.57% 2.52%$20,001 - $22,000 $62.9222 $51.9828 $67.0550 $53.2950 6.57% 2.52%$22,001 - $24,000 $68.1775 $56.2081 $72.6554 $57.6269 6.57% 2.52%$24,001 - $26,000 $73.2908 $60.4334 $78.1046 $61.9589 6.57% 2.52%$26,001 - $28,000 $77.8360 $64.0184 $82.9483 $65.6344 6.57% 2.52%$28,001 - $30,000 $83.0913 $68.1155 $88.5488 $69.8349 6.57% 2.52%$30,001 - and up $124.8501 $101.6610 $133.0503 $104.2271 6.57% 2.52%

Code 20300 and 21006

Proposed BASE RATE - one for each Amt of Insurance. Top row is COMP, bottom

row is COLL.

% Change BASE RATE - one for each Amt of

Insurance. Top row is COMP, bottom row is COLL.

Current BASE RATE - one for each Amt of Insurance. Top row is COMP, bottom

row is COLL.

"Fire - Contents" Coverage

(Contents in a camper or trailer)

per $100 of value is used.

Then the policy term factor applies.

Owned Camper Factor

Unit is a Trailer

Unit is a Camper

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State of PennsylvaniaMid-Century Insurance CompanyFarmers Auto 2.0 ProgramPrivate Passenger Automobile InsuranceTheft Coverage for StereoExhibit 53

Special Theft Current Base Rate Proposed Base Rate % ChangeBase Rate: $3.4731 $3.7012 6.57%Limit Factors:

$50 1.0000$100 2.0000$250 3.0000$500 5.0000$750 7.0000

$1,000 9.0000$1,500 15.0000$2,000 20.0000$2,500 26.0000$3,000 31.0000$3,500 40.0000$4,000 45.0000

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Contents

Exhibit # NameAverage Driver ROC Average Driver Rate Order of CalculationDetailed ROC Rate Order of CalculationROC for Other MED Coverages Other MED CoveragesROC for Other Misc Coverages Other Miscellaneous CoveragesExhibit A Driving Record PointsExhibit A-1 Violation ClassificationExhibit 1 Driver Class FactorExhibit 2 Driving Record Points FactorsExhibit 3 AAF, ALL, API Violation Aging FactorExhibit 4 Violation Aging MajorExhibit 5 AFD, DUI Violation Aging FactorExhibit 6 Violation Aging MinorExhibit 7 SPL, SPH Aging FactorExhibit 8 **Reserved for Future Use**Exhibit 9 Age and Point MatrixExhibit 10 Distant Student DiscountExhibit 11 Good Student DiscountExhibit 12 Base RateExhibit 13 Household Structure FactorExhibit 14 Driver Vehicle Exposure FactorExhibit 15 Rate MatrixExhibit 16 Zip Code FactorExhibit 17 Stated AmountExhibit 18 Auto Symbol FactorExhibit 19 Farmers Auto Symbol FactorExhibit 20 Vehicle Type FactorExhibit 21 Model Year FactorExhibit 22 **Reserved for Future Use**



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Contents



Exhibit 23 Liability LimitsExhibit 24 Increased Purchase Limit by UW Tier 2Exhibit 25 Deductible FactorExhibit 26 Luxury Vehicle FactorExhibit 27 High Performance FactorExhibit 28 Alternative Fuel Vehicle (Hybrid) FactorExhibit 29 Vehicle Use FactorExhibit 30 Lienholder by Model YearExhibit 31 Comprehensive without Collision FactorExhibit 32 Excluded Driver FactorExhibit 33 Tort Stacking WaiverExhibit 34 First Party Benefits PackageExhibit 35 Commute to NY/NJ FactorExhibit 36 Driver Assignment MethodologyExhibit 37 UW Tier FactorExhibit 38 Full Coverage FactorExhibit 39 Leased Vehicle Indicator TableExhibit 40 Reserved for Future UseExhibit 41 Early Shopping FactorExhibit 42 Youthful Driver DiscountExhibit 43 On Your Own DiscountExhibit 44 Shared Family Car DiscountExhibit 45 Good Payer DiscountExhibit 46 Passive Restraint DiscountExhibit 47 Driver Improvement DiscountExhibit 48 Anti-Theft DiscountExhibit 49 Affinity DiscountExhibit 50 ePolicy DiscountExhibit 51 Multi-policy Discount - Auto/BrokeredExhibit 52 Multi-policy Discount - Auto/RentersExhibit 53 Multi-policy Discount - Auto/MobilehomeExhibit 54 Multi-policy Discount - Auto/BoatExhibit 55 Multi-policy Discount - Auto/MotorcycleExhibit 56 Multi-policy Discount - Auto/MotorhomeExhibit 57 Multi-policy Discount - Auto/RVExhibit 58 Multi-policy Discount - Auto/UmbrellaExhibit 59 Multi-policy Discount - Auto/Business

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Contents



Exhibit 60 Monthly Pay PlanExhibit 61 EFT DiscountExhibit 62 Paid in Full DiscountExhibit 63 Core Discount MatrixExhibit 64 Address Validation FactorExhibit 65 Multi-policy Discount - Auto/HomeExhibit 66 Multi-policy Discount - Auto/LifeExhibit 67 Camper Trailer OwnedExhibit 68 Policy Term FactorExhibit 69 Rate CappingExhibit 70 Rate Level Adjustment FactorExhibit 71 Reinstatement Count FactorExhibit 72 Deceased Driver StabilityExhibit 73 BDOC RateExhibit 74 Loss of Use FactorExhibit 75 Customization AmountExhibit 76 Glass Deductible Buyback Base RateExhibit 77 Residual Debt FactorExhibit 78 Rental CoverageExhibit 79 Towing CoverageExhibit 80 Camper Trailer Base RatesExhibit 81 Camper and Trailer DeductibleExhibit 82 Camper Trailer Fire ContentsExhibit 83 New Car ReplacementExhibit 84 OEM Replacement PartsExhibit 85 Accident ForgivenessExhibit 86 Policy FeeExhibit 87 Vehicle History FactorExhibit 88 Signal DiscountExhibit 89 UBI Score GroupExhibit 90 Participation GroupExhibit 91 Rideshare Factor

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Exhibit 12

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceBase Rate

Coverage Current Factor Amt. Proposed Factor Amt. % ChangeAccidental Death Benefit 3.4327 3.5003 1.97%

BI 179.4928 187.5700 4.50%COLL 228.0797 231.0447 1.30%

COMP 105.4479 109.0331 3.40%Funeral Expenses 1.3124 1.3383 1.97%

Income Loss Benefits 15.4470 15.7513 1.97%MED 68.6403 69.9925 1.97%

MED - Extraordinary 55.4375 56.5296 1.97%PD 133.5146 137.5200 3.00%

UIM 30.5282 32.2988 5.80%UM 16.5105 17.4681 5.80%

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Exhibit 13

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceHousehold Structure Factor - for policies incepted before 05/27/2020

Household Type Description BI PD MED UM/UIM COMP COLLA Youthful Married PNI 0.9600 0.9000 0.9000 0.9500 0.9500 0.9500B Youthful Single PNI 1.0100 1.1343 0.8500 0.9604 1.1500 1.1668C Child in Household - All Single 1.1776 1.3555 1.0100 1.0399 1.1861 1.3075D Child in Household 1.0831 1.2003 1.0768 1.0833 1.0644 1.1246E Senior in Household 0.9543 0.9457 1.0070 1.0202 0.9620 0.9012F Senior PNI Household 0.9543 0.9457 1.0070 1.0202 0.9620 0.9012G Married Household 0.9543 0.9457 1.0070 1.0202 0.9620 0.9012H Single Household - One Driver 0.8155 0.8615 0.8032 0.7630 1.0601 0.9525I Single Household - More than One Driver 0.9777 0.9844 0.9541 0.8134 1.0838 1.0236J Other Household 1.0237 1.0320 1.0338 0.9941 0.9832 0.9422

HH Typ Cd HH TypeA Youthful Married PNI

B Youthful Single PNI

C Child in Household - All Single

D Child in Household

E Senior in Household

F Senior PNI Household

G Married Household

H Single Household - One Driver

I Single Household - More than One Driver

J Other Household

Relationship to PNI Relationship CodeDaughter D

Grandchild GPrimary Insured H

In-Law IResident Relative R

Son SSpouse XParent POther O

Non-Resident Codes DefinitionSW Student away from home with vehicleSA Student away from home without a vehicle

and age <25

If household is not Group 1, 2, 3, or 4 and if any driver has relationship code = I, O, R or P and > 64

HH Type DescriptionPNI < 21 and Marital Status = Married (ignore the relationship of any

other driver in the household)PNI < 21 and Marital Status = Single (ignore the relationship of any

other driver in the household)If household is not Group 1 or 2 and if any driver has relationship code = D, S or G or non-resident-code = SA or SW and < 25 and is single, and

marital status of all drivers in household = SingleIf household is not Group 1, 2 or 3 and if any driver has relationship

code = D, S or G or non-resident-code = SA or SW and < 25 and is single

If household is not Group 1, 2, 3, 4, or 5 and relationship code = H or X and either PNI (H) or Spouse (X) age > 64

If household is not Group 1, 2, 3, 4, 5, or 6 and marital status of all drivers in household = Married

If household is not Group 1, 2, 3, 4, 5, 6, or 7 and only one driver in household and marital status of the driver in household = Single

If household is not Group 1, 2, 3, 4, 5, 6, 7, or 8 and marital status of all drivers in household = Single

If household is not Group 1, 2, 3, 4, 5, 6, 7, 8, or 9

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Exhibit 13

PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceHousehold Structure Factor - for policies incepted on or after 05/27/2020

Household Type Description BI PD MED UM/UIM COMP COLLA Youthful Married PNI 0.9600 0.9000 0.9000 0.9500 0.9500 0.9500B Youthful Single PNI 1.0100 1.1343 0.8500 0.9604 1.1500 1.1668C Driver < 25 in Household - All Single 1.1776 1.3555 1.0100 1.0399 1.1861 1.3075D Driver < 25 in Household 1.0831 1.2003 1.0768 1.0833 1.0644 1.1246E Senior in Household 0.9543 0.9457 1.0070 1.0202 0.9620 0.9012F Senior PNI Household 0.9543 0.9457 1.0070 1.0202 0.9620 0.9012G Married Household 0.9543 0.9457 1.0070 1.0202 0.9620 0.9012H Single Household - One Driver 0.8155 0.8615 0.8032 0.7630 1.0601 0.9525I Single Household - More than One Driver 0.9777 0.9844 0.9541 0.8134 1.0838 1.0236J Other Household 1.0237 1.0320 1.0338 0.9941 0.9832 0.9422

HH Typ Cd HH TypeA Youthful Married PNI

B Youthful Single PNI

C Driver < 25 in Household - All Single

D Driver < 25 in Household

E Senior in Household

F Senior PNI Household

G Married Household

H Single Household - One Driver

I Single Household - More than One Driver

J Other Household

Relationship to PNI Relationship CodeDaughter D

Grandchild GPrimary Insured H

In-Law IResident Relative R

Son SSpouse XParent POther O

Non-Resident Codes DefinitionSW Student away from home with vehicleSA Student away from home without a vehicle

and age <25

If household is not Group 1, 2, 3, 4, 5, 6, 7, or 8 and marital status of all drivers in household = Single

If household is not Group 1, 2, 3, 4, 5, 6, 7, 8, or 9

If household is not Group 1, 2 or 3 and if any driver has relationship code = I, R, O, P, D, S or G or non-resident-code = SA or SW and < 25 and

is singleIf household is not Group 1, 2, 3, or 4 and if any driver has relationship

code = I, O, R or P and > 64If household is not Group 1, 2, 3, 4, or 5 and relationship code = H or X

and either PNI (H) or Spouse (X) age > 64If household is not Group 1, 2, 3, 4, 5, or 6 and marital status of all

drivers in household = MarriedIf household is not Group 1, 2, 3, 4, 5, 6, or 7 and only one driver in

household and marital status of the driver in household = Single

HH Type DescriptionPNI < 21 and Marital Status = Married (ignore the relationship of any

other driver in the household)PNI < 21 and Marital Status = Single (ignore the relationship of any

other driver in the household)If household is not Group 1 or 2 and if any driver has relationship code = I, R, O, P, D, S or G or non-resident-code = SA or SW and < 25 and is

single, and marital status of all drivers in household = Single

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Exhibit 16


ZIP Code BI PD MED UM/UIM COMP COLL BI PD MED UM/UIM COMP COLL BI PD MED UM/UIM COMP COLL15001 0.8800 0.9400 0.6900 0.8800 0.8800 0.9500 0.8521 0.9155 0.7083 0.8609 0.9007 0.9655 -3.17% -2.61% 2.65% -2.17% 2.35% 1.63%15003 0.8800 0.9400 0.6900 0.8800 0.8800 0.9500 0.8521 0.9155 0.7083 0.8609 0.9007 0.9655 -3.17% -2.61% 2.65% -2.17% 2.35% 1.63%15004 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15005 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15006 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15007 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15009 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15010 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15012 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15014 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15015 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15017 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15018 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15019 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15020 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15021 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15022 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15024 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15025 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15026 0.8800 0.9400 0.6900 0.8800 0.8800 0.9500 0.8521 0.9155 0.7083 0.8609 0.9007 0.9655 -3.17% -2.61% 2.65% -2.17% 2.35% 1.63%15027 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15028 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15030 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15031 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15032 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15033 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15034 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15035 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15036 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15037 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15038 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15042 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15043 0.8800 0.9400 0.6900 0.8800 0.8800 0.9500 0.8521 0.9155 0.7083 0.8609 0.9007 0.9655 -3.17% -2.61% 2.65% -2.17% 2.35% 1.63%15044 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15045 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15046 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15047 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15049 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15050 0.8800 0.9400 0.6900 0.8800 0.8800 0.9500 0.8521 0.9155 0.7083 0.8609 0.9007 0.9655 -3.17% -2.61% 2.65% -2.17% 2.35% 1.63%15051 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15052 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15053 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15054 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15055 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15056 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15057 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15059 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15060 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15061 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15062 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15063 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15064 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15065 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15066 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15067 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15068 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15069 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15071 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15072 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15074 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15075 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15076 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15077 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15078 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15081 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%15082 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15083 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15084 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15085 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15086 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15087 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15088 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15089 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15090 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15091 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15101 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15102 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15104 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15106 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15108 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15110 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15112 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15116 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15120 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15122 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15123 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15126 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15127 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15129 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15130 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15131 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15132 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15133 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15134 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%

Current Factor Amt. Proposed Factor Amt. % Change

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16


ZIP Code BI PD MED UM/UIM COMP COLL BI PD MED UM/UIM COMP COLL BI PD MED UM/UIM COMP COLLCurrent Factor Amt. Proposed Factor Amt. % Change

15135 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15136 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15137 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15139 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15140 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15142 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15143 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15144 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15145 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15146 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15147 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15148 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15201 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15202 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15203 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15204 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15205 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15206 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15207 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15208 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15209 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15210 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15211 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15212 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15213 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15214 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15215 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15216 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15217 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15218 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15219 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15220 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15221 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15222 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15223 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15224 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15225 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15226 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15227 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15228 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15229 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15230 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15232 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15233 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15234 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15235 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15236 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15237 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15238 0.8100 1.0900 0.7500 0.8100 0.7900 1.0200 0.7844 1.0608 0.7251 0.7924 0.7945 0.9911 -3.16% -2.68% -3.32% -2.17% 0.57% -2.83%15239 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15240 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15241 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15243 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15244 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15253 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15260 0.9900 1.2200 0.7500 0.9900 0.7700 1.1900 0.9587 1.1873 0.7699 0.9685 0.7876 1.1563 -3.16% -2.68% 2.65% -2.17% 2.29% -2.83%15272 0.7900 1.0000 0.7300 0.7900 0.7500 0.9500 0.7694 1.0053 0.7494 0.7729 0.7677 0.9275 -2.61% 0.53% 2.66% -2.16% 2.36% -2.37%15275 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15276 0.7300 0.9900 0.6900 0.7300 0.7000 0.9000 0.7173 1.0231 0.6985 0.7583 0.7165 0.8745 -1.74% 3.34% 1.23% 3.88% 2.36% -2.83%15290 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15295 0.8700 1.1400 0.7500 0.8700 0.7700 1.1000 0.8780 1.1095 0.7699 0.8511 0.7881 1.0688 0.92% -2.68% 2.65% -2.17% 2.35% -2.84%15301 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15310 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15311 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15312 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15313 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15314 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15315 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15316 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15317 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15320 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15321 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15322 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15323 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15324 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15325 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15327 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15329 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15330 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15331 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15332 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15333 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15334 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15336 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15337 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15338 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15339 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15340 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15341 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15342 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15344 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15345 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15346 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15347 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



15348 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15349 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15350 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15351 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15352 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15353 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15357 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15358 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15359 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15360 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15361 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15362 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15363 0.7900 0.9100 0.7200 0.7900 1.0000 0.9200 0.8061 0.8998 0.7238 0.7729 0.9639 0.9279 2.04% -1.12% 0.53% -2.16% -3.61% 0.86%15364 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15365 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15366 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15367 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15368 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15370 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15376 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15377 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15378 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15379 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15380 0.9600 0.7600 0.6700 0.9600 1.3400 0.9200 0.9296 0.7396 0.6878 0.9392 1.2917 0.9492 -3.17% -2.68% 2.66% -2.17% -3.60% 3.17%15401 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15410 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15411 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15412 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15413 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15415 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15416 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15417 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15419 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15420 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15421 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15422 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15423 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15424 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15425 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15427 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15428 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15429 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15430 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15431 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15432 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15433 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15434 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15435 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15436 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15437 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15438 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15439 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15440 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15442 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15443 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15444 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15445 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15446 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15447 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15448 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15449 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15450 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15451 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15454 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15455 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15456 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15458 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15459 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15460 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15461 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15462 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15463 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15464 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15465 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15466 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15467 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15468 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15469 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15470 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15472 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15473 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15474 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15475 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15476 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15477 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15478 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15479 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15480 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15482 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15483 0.8000 0.8900 0.7400 0.8000 1.1500 0.9800 0.7747 0.8662 0.7597 0.7826 1.1771 1.0111 -3.16% -2.67% 2.66% -2.18% 2.36% 3.17%15484 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15485 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15486 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15488 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



15489 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15490 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15492 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15501 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15502 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15520 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15521 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15522 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15530 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15531 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15532 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15533 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15534 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15535 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15536 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%15537 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15538 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15539 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15540 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15541 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15542 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15544 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15545 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15546 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15547 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15548 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15549 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15550 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15551 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15552 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15553 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15554 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15555 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15557 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15558 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15559 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%15560 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15561 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15562 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15563 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15564 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15565 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15601 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15610 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15611 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15612 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15613 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15615 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15616 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15617 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15618 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%15619 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15620 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15621 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15622 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15623 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15624 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15625 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15626 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15627 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15628 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15629 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15631 0.8400 0.7500 0.7800 0.8400 1.0800 0.9000 0.8134 0.7331 0.7903 0.8218 1.1055 0.9286 -3.17% -2.25% 1.32% -2.17% 2.36% 3.18%15632 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15633 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15634 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15635 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15636 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15637 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15638 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15639 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15640 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15641 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15642 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15644 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15646 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15647 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15650 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15655 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15656 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15658 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15660 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15661 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15662 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15663 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15664 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15665 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15666 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15668 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15670 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15671 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15672 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15673 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%15674 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



15675 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15676 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15677 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15678 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15679 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15680 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15681 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15682 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%15683 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15684 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15685 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15686 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%15687 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15688 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15689 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15690 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15691 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15692 0.7600 0.8900 0.7500 0.7600 0.9500 0.9100 0.7636 0.8852 0.7470 0.7435 0.9177 0.9100 0.47% -0.54% -0.40% -2.17% -3.40% 0.00%15693 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15695 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15696 0.7600 0.8700 0.7600 0.7600 0.8800 0.8900 0.7815 0.8792 0.7802 0.7435 0.9007 0.9085 2.83% 1.06% 2.66% -2.17% 2.35% 2.08%15697 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15698 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15701 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15710 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15711 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15712 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15713 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15714 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15715 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15716 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15717 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15720 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15721 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%15722 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15723 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15724 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15725 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15727 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15728 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15729 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15730 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15731 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15732 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15733 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15734 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15736 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%15737 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15738 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15739 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15741 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15742 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15744 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15745 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15746 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15747 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15748 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15750 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15752 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15753 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%15754 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15756 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15757 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%15758 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15759 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15760 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15761 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15762 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15763 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15764 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15765 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15767 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15770 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15771 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15772 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15773 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15774 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15775 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15776 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15777 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15778 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15779 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15780 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15781 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15783 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15784 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15801 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%15821 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15822 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15823 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15824 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15825 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15827 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15828 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



15829 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15831 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15832 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15834 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15840 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15841 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15845 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15846 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15847 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15848 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%15849 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%15851 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15853 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15856 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%15857 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15860 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15861 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15863 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15864 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15865 0.5700 0.6700 0.5900 0.5700 1.5100 0.8800 0.5520 0.6521 0.6057 0.5921 1.5456 0.9079 -3.16% -2.67% 2.66% 3.88% 2.36% 3.17%15866 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%15868 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15870 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%15901 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15902 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15904 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15905 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15906 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15907 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15909 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15915 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15920 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15921 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15922 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15923 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15924 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15925 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15926 0.7500 0.7200 0.7900 0.7500 1.3600 0.8800 0.7263 0.7441 0.7777 0.7337 1.3648 0.9079 -3.16% 3.35% -1.56% -2.17% 0.35% 3.17%15927 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15928 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15929 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15930 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15931 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15934 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15935 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15936 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15937 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15938 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15940 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15942 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15943 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15944 0.8100 0.8500 0.7500 0.8100 1.2400 0.9400 0.7844 0.8272 0.7275 0.7924 1.1953 0.9392 -3.16% -2.68% -3.00% -2.17% -3.60% -0.09%15945 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15946 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15948 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15949 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15951 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15952 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15953 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15954 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15955 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15956 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15957 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15958 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15959 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%15960 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15961 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%15962 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%15963 0.6500 0.7500 0.7200 0.6500 1.1300 0.8500 0.6294 0.7751 0.7381 0.6752 1.1566 0.8277 -3.17% 3.35% 2.51% 3.88% 2.35% -2.62%16001 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16002 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16003 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16016 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16017 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16018 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16020 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16021 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16022 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16023 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16024 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16025 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16027 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16028 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16029 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16030 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16033 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16034 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16035 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16036 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16037 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16038 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16039 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16040 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16041 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



16045 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16046 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16048 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16049 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16050 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16051 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16052 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16053 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16054 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16055 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16056 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16057 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16058 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16059 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16061 0.7600 0.8400 0.7400 0.7600 1.3200 0.8900 0.7359 0.8194 0.7597 0.7895 1.3511 0.9183 -3.17% -2.45% 2.66% 3.88% 2.36% 3.18%16063 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16066 0.7200 0.9000 0.6900 0.7200 1.0500 0.9000 0.7244 0.8848 0.7001 0.7044 1.0747 0.9286 0.61% -1.69% 1.46% -2.17% 2.35% 3.18%16101 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16102 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16103 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16105 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16107 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16108 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16110 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16111 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16112 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16113 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16114 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16115 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%16116 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16117 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16120 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16121 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16123 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%16124 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16125 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16127 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16130 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16131 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16132 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16133 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16134 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16136 0.7600 0.8700 0.6100 0.7600 0.8600 0.8800 0.7359 0.8631 0.6262 0.7435 0.8513 0.8606 -3.17% -0.79% 2.66% -2.17% -1.01% -2.20%16137 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16140 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16141 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16142 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16143 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16145 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16146 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16148 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16150 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16151 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16153 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16154 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16155 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16156 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16157 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16159 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16160 0.7600 0.7900 0.7000 0.7600 1.0700 0.8500 0.7359 0.8164 0.7186 0.7435 1.0952 0.8770 -3.17% 3.34% 2.66% -2.17% 2.36% 3.18%16161 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16172 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16201 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16210 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16211 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%16212 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16213 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16214 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16217 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16218 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16220 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16221 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16222 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16223 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16224 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16225 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16226 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16228 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16229 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16230 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16232 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16233 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16234 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16235 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16236 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16238 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16239 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16240 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16242 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16244 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16245 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16246 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%16248 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16249 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



16250 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16253 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16254 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16255 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16256 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%16257 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16258 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16259 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16260 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16261 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16262 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16263 0.7000 0.7600 0.6300 0.7000 1.5000 0.8900 0.7198 0.7518 0.6095 0.6848 1.4844 0.9183 2.83% -1.08% -3.25% -2.17% -1.04% 3.18%16301 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16311 0.7200 0.7500 0.7100 0.7200 1.1200 0.8300 0.7403 0.7299 0.7289 0.7085 1.1464 0.8564 2.82% -2.68% 2.66% -1.60% 2.36% 3.18%16312 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16313 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16314 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16316 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16317 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16319 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16321 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16322 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16323 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16326 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16327 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16328 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16329 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16331 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16332 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16333 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16334 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16335 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16340 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16341 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16342 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16343 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16344 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16345 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16346 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16347 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16350 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16351 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16352 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16353 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16354 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16360 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16361 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16362 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16364 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16365 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16366 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16367 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16368 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16369 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16370 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16371 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16372 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16373 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16374 0.6400 0.7000 0.6500 0.6400 1.4600 0.8700 0.6581 0.7175 0.6673 0.6648 1.4944 0.8976 2.83% 2.50% 2.66% 3.87% 2.36% 3.17%16375 0.6500 0.7000 0.6300 0.6500 1.6600 0.8900 0.6294 0.6813 0.6467 0.6662 1.6991 0.9183 -3.17% -2.67% 2.65% 2.49% 2.36% 3.18%16401 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16402 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16403 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16404 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16405 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16406 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16407 0.7700 0.8400 0.6600 0.7700 1.3000 0.8900 0.7456 0.8175 0.6775 0.7533 1.3113 0.9183 -3.17% -2.68% 2.65% -2.17% 0.87% 3.18%16410 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16411 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16412 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16413 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16415 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16416 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16417 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16420 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16421 0.9600 1.0500 0.8000 0.9600 0.7600 0.9500 0.9845 1.0219 0.8213 0.9392 0.7779 0.9231 2.55% -2.68% 2.66% -2.17% 2.36% -2.83%16422 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16423 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16424 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16426 0.7700 0.8400 0.6600 0.7700 1.3000 0.8900 0.7456 0.8175 0.6775 0.7533 1.3113 0.9183 -3.17% -2.68% 2.65% -2.17% 0.87% 3.18%16427 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16428 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16430 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16432 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16433 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16434 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16435 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16436 0.6400 0.6800 0.5600 0.6400 1.4400 0.8300 0.6197 0.6618 0.5749 0.6648 1.4293 0.8564 -3.17% -2.68% 2.66% 3.87% -0.74% 3.18%16438 0.7700 0.8400 0.6600 0.7700 1.3000 0.8900 0.7456 0.8175 0.6775 0.7533 1.3113 0.9183 -3.17% -2.68% 2.65% -2.17% 0.87% 3.18%16440 0.7000 0.7300 0.6600 0.7000 1.5100 0.8800 0.6792 0.7348 0.6775 0.6851 1.5456 0.9079 -2.97% 0.66% 2.65% -2.13% 2.36% 3.17%16441 0.7700 0.8400 0.6600 0.7700 1.3000 0.8900 0.7456 0.8175 0.6775 0.7533 1.3113 0.9183 -3.17% -2.68% 2.65% -2.17% 0.87% 3.18%16442 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16443 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16444 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



16475 0.7800 0.8200 0.6900 0.7800 1.0500 0.8800 0.8020 0.7980 0.6826 0.7631 1.0747 0.9079 2.82% -2.68% -1.07% -2.17% 2.35% 3.17%16501 1.0400 1.2600 0.8300 1.0400 0.8600 1.1400 1.0694 1.2263 0.8521 1.0174 0.8803 1.1077 2.83% -2.67% 2.66% -2.17% 2.36% -2.83%16502 1.0400 1.2600 0.8300 1.0400 0.8600 1.1400 1.0694 1.2263 0.8521 1.0174 0.8803 1.1077 2.83% -2.67% 2.66% -2.17% 2.36% -2.83%16503 1.0400 1.2600 0.8300 1.0400 0.8600 1.1400 1.0694 1.2263 0.8521 1.0174 0.8803 1.1077 2.83% -2.67% 2.66% -2.17% 2.36% -2.83%16504 0.9600 1.0500 0.8000 0.9600 0.7600 0.9500 0.9845 1.0219 0.8213 0.9392 0.7779 0.9231 2.55% -2.68% 2.66% -2.17% 2.36% -2.83%16505 0.9600 1.0500 0.8000 0.9600 0.7600 0.9500 0.9845 1.0219 0.8213 0.9392 0.7779 0.9231 2.55% -2.68% 2.66% -2.17% 2.36% -2.83%16506 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16507 1.0400 1.2600 0.8300 1.0400 0.8600 1.1400 1.0694 1.2263 0.8521 1.0174 0.8803 1.1077 2.83% -2.67% 2.66% -2.17% 2.36% -2.83%16508 0.9600 1.0500 0.8000 0.9600 0.7600 0.9500 0.9845 1.0219 0.8213 0.9392 0.7779 0.9231 2.55% -2.68% 2.66% -2.17% 2.36% -2.83%16509 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16510 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16511 0.9600 1.0500 0.8000 0.9600 0.7600 0.9500 0.9845 1.0219 0.8213 0.9392 0.7779 0.9231 2.55% -2.68% 2.66% -2.17% 2.36% -2.83%16512 0.9600 1.0500 0.8000 0.9600 0.7600 0.9500 0.9845 1.0219 0.8213 0.9392 0.7779 0.9231 2.55% -2.68% 2.66% -2.17% 2.36% -2.83%16514 0.9600 1.0500 0.8000 0.9600 0.7600 0.9500 0.9845 1.0219 0.8213 0.9392 0.7779 0.9231 2.55% -2.68% 2.66% -2.17% 2.36% -2.83%16515 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16522 1.0400 1.2600 0.8300 1.0400 0.8600 1.1400 1.0694 1.2263 0.8521 1.0174 0.8803 1.1077 2.83% -2.67% 2.66% -2.17% 2.36% -2.83%16530 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16531 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16534 0.9600 1.0500 0.8000 0.9600 0.7600 0.9500 0.9845 1.0219 0.8213 0.9392 0.7779 0.9231 2.55% -2.68% 2.66% -2.17% 2.36% -2.83%16538 1.0400 1.2600 0.8300 1.0400 0.8600 1.1400 1.0694 1.2263 0.8521 1.0174 0.8803 1.1077 2.83% -2.67% 2.66% -2.17% 2.36% -2.83%16541 1.0400 1.2600 0.8300 1.0400 0.8600 1.1400 1.0694 1.2263 0.8521 1.0174 0.8803 1.1077 2.83% -2.67% 2.66% -2.17% 2.36% -2.83%16544 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16546 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16550 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16553 1.0400 1.2600 0.8300 1.0400 0.8600 1.1400 1.0694 1.2263 0.8521 1.0174 0.8803 1.1077 2.83% -2.67% 2.66% -2.17% 2.36% -2.83%16563 1.0400 1.2600 0.8300 1.0400 0.8600 1.1400 1.0694 1.2263 0.8521 1.0174 0.8803 1.1077 2.83% -2.67% 2.66% -2.17% 2.36% -2.83%16565 0.8700 0.9600 0.7500 0.8700 0.8000 0.9200 0.8425 0.9358 0.7677 0.8511 0.8189 0.8939 -3.16% -2.52% 2.36% -2.17% 2.36% -2.84%16601 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16602 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16603 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16611 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16613 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16616 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16617 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16619 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16620 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16621 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16622 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16623 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16624 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%16625 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16627 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16629 0.6800 0.7600 0.7800 0.6800 1.4500 0.8600 0.6977 0.7573 0.7788 0.7064 1.4561 0.8873 2.60% -0.36% -0.15% 3.88% 0.42% 3.17%16630 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16631 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16633 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16634 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16635 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16636 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16637 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16638 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16639 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16640 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16641 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16644 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16645 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16646 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16647 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16648 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16650 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16651 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16652 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16655 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16656 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16657 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16659 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16660 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16661 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16662 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16663 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16664 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16665 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16666 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16667 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16668 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16669 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16670 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16671 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16672 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16673 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16674 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16675 0.6900 0.7400 0.7100 0.6900 1.0100 0.8400 0.6915 0.7202 0.6864 0.7168 1.0338 0.8667 0.22% -2.68% -3.32% 3.88% 2.36% 3.18%16677 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16678 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16679 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16680 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16681 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16682 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16683 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16684 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16685 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16686 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16689 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%16691 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



16692 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16693 0.7100 0.8500 0.6400 0.7100 0.9400 0.8900 0.7125 0.8272 0.6570 0.6946 0.9622 0.9183 0.35% -2.68% 2.66% -2.17% 2.36% 3.18%16694 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16695 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16701 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16720 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16724 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16725 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16726 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16727 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16728 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16729 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16730 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16731 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16732 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16733 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16734 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16735 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16738 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16740 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16743 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16744 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16745 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16746 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16748 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16749 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16750 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16801 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16802 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16803 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16804 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16805 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16820 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16821 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16822 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%16823 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16825 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16826 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16827 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16828 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16829 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16830 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16832 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16833 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16834 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16835 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16836 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16837 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16838 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16839 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16840 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16841 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16843 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16844 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16845 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16847 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16848 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%16849 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16850 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16851 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16852 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16853 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16854 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16855 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16856 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16858 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16859 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16860 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16861 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16863 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16864 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16865 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16866 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16868 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16870 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16871 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%16872 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16873 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16874 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16875 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16876 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16877 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%16878 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16879 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16881 0.6400 0.6900 0.6300 0.6400 1.2600 0.8400 0.6471 0.6794 0.6467 0.6648 1.2897 0.8667 1.11% -1.54% 2.65% 3.87% 2.36% 3.18%16882 0.6300 0.7200 0.6200 0.6300 0.8000 0.7800 0.6101 0.7055 0.6249 0.6545 0.8189 0.7759 -3.16% -2.01% 0.79% 3.89% 2.36% -0.53%16901 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16910 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%16911 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16912 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16914 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%16915 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16917 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16920 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



16921 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16922 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16923 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16925 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%16926 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%16927 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16928 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16929 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16930 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16932 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16933 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16935 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16936 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16937 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16938 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16939 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16940 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16941 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16942 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16943 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16945 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%16946 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%16947 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%16948 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%16950 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%17001 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17002 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17003 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17004 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17005 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17006 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17007 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17009 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17010 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17011 0.7200 0.8700 0.6600 0.7200 0.6200 0.8500 0.6972 0.8918 0.6775 0.7044 0.6346 0.8259 -3.17% 2.51% 2.65% -2.17% 2.35% -2.84%17013 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17014 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17015 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17016 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17017 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17018 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17019 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17020 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17021 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17022 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17023 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17024 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17025 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17026 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17027 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17028 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17029 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17030 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17032 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17033 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17034 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17035 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17036 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17037 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17038 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17039 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17040 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17041 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17042 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17043 0.7200 0.8700 0.6600 0.7200 0.6200 0.8500 0.6972 0.8918 0.6775 0.7044 0.6346 0.8259 -3.17% 2.51% 2.65% -2.17% 2.35% -2.84%17044 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17045 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17046 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17047 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17048 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17049 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17050 0.7200 0.8700 0.6600 0.7200 0.6200 0.8500 0.6972 0.8918 0.6775 0.7044 0.6346 0.8259 -3.17% 2.51% 2.65% -2.17% 2.35% -2.84%17051 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17052 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17053 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17054 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17055 0.7200 0.8700 0.6600 0.7200 0.6200 0.8500 0.6972 0.8918 0.6775 0.7044 0.6346 0.8259 -3.17% 2.51% 2.65% -2.17% 2.35% -2.84%17056 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17057 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17058 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17059 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17060 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17061 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17062 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17063 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17064 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17065 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17066 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17067 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17068 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17069 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17070 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17071 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17072 0.7200 0.8700 0.6600 0.7200 0.6200 0.8500 0.6972 0.8918 0.6775 0.7044 0.6346 0.8259 -3.17% 2.51% 2.65% -2.17% 2.35% -2.84%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



17073 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17074 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17075 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17076 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17077 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17078 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17080 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17081 0.7200 0.8700 0.6600 0.7200 0.6200 0.8500 0.6972 0.8918 0.6775 0.7044 0.6346 0.8259 -3.17% 2.51% 2.65% -2.17% 2.35% -2.84%17082 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17083 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17084 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17085 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17086 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17087 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17088 0.7700 0.8500 0.6500 0.7700 0.7000 0.8400 0.7456 0.8628 0.6673 0.7533 0.6870 0.8212 -3.17% 1.51% 2.66% -2.17% -1.86% -2.24%17090 0.6600 0.7500 0.7700 0.6600 0.8800 0.8900 0.6786 0.7751 0.7444 0.6646 0.9007 0.8676 2.82% 3.35% -3.32% 0.70% 2.35% -2.52%17093 0.7200 0.8700 0.6600 0.7200 0.6200 0.8500 0.6972 0.8918 0.6775 0.7044 0.6346 0.8259 -3.17% 2.51% 2.65% -2.17% 2.35% -2.84%17094 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17097 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17098 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17099 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17101 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17102 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17103 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17104 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17105 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17106 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17107 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17108 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17109 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17110 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17111 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17112 0.7700 0.8700 0.7000 0.7700 0.7400 0.8500 0.7456 0.8467 0.7186 0.7533 0.7574 0.8259 -3.17% -2.68% 2.66% -2.17% 2.35% -2.84%17113 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17120 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17121 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17122 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17123 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17124 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17125 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17126 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17127 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17128 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17129 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17130 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17140 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17177 0.9000 1.0100 0.8000 0.9000 0.7000 0.9900 0.8715 0.9830 0.8213 0.8805 0.7165 0.9619 -3.17% -2.67% 2.66% -2.17% 2.36% -2.84%17201 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17202 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17210 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17211 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17212 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%17213 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17214 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17215 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%17217 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17219 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17220 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17221 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17222 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17223 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%17224 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17225 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17228 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%17229 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%17231 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17232 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17233 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%17235 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17236 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17237 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17238 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%17239 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17240 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17241 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17243 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17244 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17246 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17247 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17249 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17250 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17251 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17252 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17253 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17254 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17255 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17256 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17257 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17260 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17261 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17262 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17263 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17264 0.6200 0.6500 0.7900 0.6200 1.5100 0.8500 0.6106 0.6591 0.7638 0.6441 1.5456 0.8770 -1.52% 1.40% -3.32% 3.89% 2.36% 3.18%17265 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



17266 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17267 0.5600 0.7600 0.7800 0.5600 1.8800 0.9000 0.5423 0.7396 0.7541 0.5817 1.8122 0.9286 -3.16% -2.68% -3.32% 3.87% -3.61% 3.18%17268 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17271 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17272 0.7900 0.8300 0.6900 0.7900 0.8500 0.8200 0.7927 0.8078 0.6671 0.7729 0.8194 0.7968 0.34% -2.67% -3.32% -2.16% -3.60% -2.83%17301 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17302 1.0500 1.0100 0.6500 1.0500 0.6900 1.0000 1.0168 0.9830 0.6673 1.0272 0.7063 1.0318 -3.16% -2.67% 2.66% -2.17% 2.36% 3.18%17303 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17304 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17306 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17307 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17309 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17310 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17311 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17312 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17313 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17314 1.0500 1.0100 0.6500 1.0500 0.6900 1.0000 1.0168 0.9830 0.6673 1.0272 0.7063 1.0318 -3.16% -2.67% 2.66% -2.17% 2.36% 3.18%17315 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17316 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17317 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17318 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17319 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17320 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17321 1.0500 1.0100 0.6500 1.0500 0.6900 1.0000 1.0168 0.9830 0.6673 1.0272 0.7063 1.0318 -3.16% -2.67% 2.66% -2.17% 2.36% 3.18%17322 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17323 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17324 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17325 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17327 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17329 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17331 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17332 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17333 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17337 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17339 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17340 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17342 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17343 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17344 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17345 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17347 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17349 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17350 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17352 1.0500 1.0100 0.6500 1.0500 0.6900 1.0000 1.0168 0.9830 0.6673 1.0272 0.7063 1.0318 -3.16% -2.67% 2.66% -2.17% 2.36% 3.18%17353 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17354 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17355 1.0500 1.0100 0.6500 1.0500 0.6900 1.0000 1.0168 0.9830 0.6673 1.0272 0.7063 1.0318 -3.16% -2.67% 2.66% -2.17% 2.36% 3.18%17356 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17358 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17360 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17361 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17362 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17363 1.0500 1.0100 0.6500 1.0500 0.6900 1.0000 1.0168 0.9830 0.6673 1.0272 0.7063 1.0318 -3.16% -2.67% 2.66% -2.17% 2.36% 3.18%17364 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17365 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17366 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17368 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17370 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17371 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17372 0.7600 0.7900 0.6500 0.7600 0.8000 0.8200 0.7815 0.7975 0.6673 0.7435 0.8189 0.8366 2.83% 0.95% 2.66% -2.17% 2.36% 2.02%17375 0.6800 0.7600 0.6200 0.6800 0.6800 0.7800 0.6992 0.7854 0.6327 0.7064 0.6960 0.8048 2.82% 3.34% 2.05% 3.88% 2.35% 3.18%17401 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17402 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17403 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17404 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17405 1.0500 1.0100 0.6500 1.0500 0.6900 1.0000 1.0168 0.9830 0.6673 1.0272 0.7063 1.0318 -3.16% -2.67% 2.66% -2.17% 2.36% 3.18%17406 0.7900 0.8700 0.6600 0.7900 0.7200 0.8500 0.7650 0.8467 0.6518 0.7729 0.7141 0.8259 -3.16% -2.68% -1.24% -2.16% -0.82% -2.84%17407 0.9000 0.9400 0.6500 0.9000 0.7500 0.9200 0.9140 0.9406 0.6673 0.8805 0.7677 0.8939 1.56% 0.06% 2.66% -2.17% 2.36% -2.84%17408 0.7400 0.8500 0.6500 0.7400 0.7300 0.8300 0.7166 0.8311 0.6673 0.7240 0.7343 0.8065 -3.16% -2.22% 2.66% -2.16% 0.59% -2.83%17501 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17502 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17503 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17504 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17505 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17506 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17507 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17508 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17509 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17512 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17516 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17517 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17518 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17519 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17520 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17521 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17522 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17527 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17528 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17529 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17532 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17533 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17534 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17535 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17536 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



17537 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17538 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17540 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17543 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17545 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17547 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17550 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17551 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17552 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17554 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17555 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17557 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17560 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17562 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17563 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17564 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17565 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17566 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17567 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17568 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17569 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17570 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17572 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17575 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17576 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17578 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17579 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17580 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17581 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17582 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17583 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17584 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17585 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17601 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17602 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17603 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17604 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17605 0.9500 1.0200 0.5800 0.9500 0.7200 1.0000 0.9768 1.0209 0.5954 0.9294 0.7370 0.9717 2.82% 0.09% 2.66% -2.17% 2.36% -2.83%17606 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17607 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17608 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%17611 0.7900 0.9300 0.5900 0.7900 0.6100 0.8900 0.7960 0.9138 0.6057 0.7729 0.6244 0.8648 0.76% -1.74% 2.66% -2.16% 2.36% -2.83%17701 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17702 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17703 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17705 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17720 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17721 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17723 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17724 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%17726 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17727 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17728 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17729 0.5900 0.6600 0.5400 0.5900 1.3900 0.8100 0.6009 0.6423 0.5544 0.6129 1.4228 0.8357 1.85% -2.68% 2.67% 3.88% 2.36% 3.17%17730 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17731 0.7100 0.5600 0.6700 0.7100 1.7600 0.9000 0.6875 0.5787 0.6477 0.7156 1.6965 0.9286 -3.17% 3.34% -3.33% 0.79% -3.61% 3.18%17735 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%17737 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17739 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17740 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17742 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17744 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17745 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17747 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17748 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17749 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17750 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17751 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17752 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17754 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17756 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17758 0.7100 0.5600 0.6700 0.7100 1.7600 0.9000 0.6875 0.5787 0.6477 0.7156 1.6965 0.9286 -3.17% 3.34% -3.33% 0.79% -3.61% 3.18%17760 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17762 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17763 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17764 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17765 0.6800 0.5900 0.6200 0.6800 1.5500 0.7800 0.6662 0.5821 0.6365 0.6905 1.5865 0.8048 -2.03% -1.34% 2.66% 1.54% 2.35% 3.18%17768 0.7100 0.5600 0.6700 0.7100 1.7600 0.9000 0.6875 0.5787 0.6477 0.7156 1.6965 0.9286 -3.17% 3.34% -3.33% 0.79% -3.61% 3.18%17769 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17771 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17772 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17774 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17776 0.6500 0.7300 0.6100 0.6500 1.0800 0.8200 0.6684 0.7104 0.6262 0.6752 1.0939 0.8279 2.83% -2.68% 2.66% 3.88% 1.29% 0.96%17777 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17778 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17779 0.6200 0.6800 0.6200 0.6200 0.9500 0.7700 0.6004 0.6618 0.6353 0.6441 0.9724 0.7883 -3.16% -2.68% 2.47% 3.89% 2.36% 2.38%17801 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17810 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17812 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17813 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17814 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%17815 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%17820 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%17821 0.7700 0.7100 0.6600 0.7700 0.9500 0.8200 0.7456 0.7337 0.6381 0.7533 0.9724 0.8460 -3.17% 3.34% -3.32% -2.17% 2.36% 3.17%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



17823 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17824 0.7700 0.7100 0.6600 0.7700 0.9500 0.8200 0.7456 0.7337 0.6381 0.7533 0.9724 0.8460 -3.17% 3.34% -3.32% -2.17% 2.36% 3.17%17827 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17829 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17830 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17831 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17832 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17833 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17834 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17835 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17836 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17837 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17840 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17841 0.5800 0.7000 0.6200 0.5800 0.9400 0.7700 0.5616 0.6813 0.6365 0.6025 0.9622 0.7945 -3.17% -2.67% 2.66% 3.88% 2.36% 3.18%17842 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17843 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17844 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17845 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17846 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%17847 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17850 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17851 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17853 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17855 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17856 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17857 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17858 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%17859 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%17860 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17861 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17862 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17864 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17865 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17866 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17867 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17868 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17870 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17872 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17876 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17877 0.7700 0.7300 0.7300 0.7700 0.9600 0.7900 0.7456 0.7104 0.7058 0.7533 0.9826 0.8151 -3.17% -2.68% -3.32% -2.17% 2.35% 3.18%17878 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%17880 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17881 0.7300 0.7800 0.9400 0.7300 1.0000 0.8600 0.7506 0.8026 0.9088 0.7526 0.9639 0.8873 2.82% 2.90% -3.32% 3.10% -3.61% 3.17%17882 0.5900 0.6900 0.5800 0.5900 0.9200 0.7800 0.5713 0.7131 0.5954 0.6129 0.8868 0.8048 -3.17% 3.35% 2.66% 3.88% -3.61% 3.18%17883 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17884 0.7700 0.7100 0.6600 0.7700 0.9500 0.8200 0.7456 0.7337 0.6381 0.7533 0.9724 0.8460 -3.17% 3.34% -3.32% -2.17% 2.36% 3.17%17885 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17886 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17887 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17888 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%17889 0.6700 0.7000 0.5700 0.6700 0.8900 0.7800 0.6488 0.7234 0.5814 0.6662 0.9110 0.7579 -3.16% 3.34% 2.00% -0.57% 2.36% -2.83%17901 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17920 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%17921 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17922 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17923 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17925 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17929 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17930 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17931 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17933 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17934 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17935 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17936 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17938 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17941 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17942 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17943 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17944 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17945 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17946 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17948 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17949 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17951 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17952 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17953 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17954 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17957 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17959 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17960 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17961 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17963 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17964 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17965 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17966 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17967 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17968 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17970 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17972 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17974 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17976 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17978 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17979 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17980 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



17981 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17982 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17983 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%17985 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18001 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18011 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%18012 0.8200 0.7600 0.9000 0.8200 1.1700 0.8700 0.7940 0.7704 0.9239 0.8250 1.1278 0.8976 -3.17% 1.37% 2.66% 0.61% -3.61% 3.17%18013 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18014 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18015 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18016 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18017 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18018 1.0100 1.0400 0.6900 1.0100 0.8800 1.0200 1.0049 1.0282 0.7083 0.9881 0.8483 0.9911 -0.50% -1.13% 2.65% -2.17% -3.60% -2.83%18020 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18030 0.8200 0.7600 0.9000 0.8200 1.1700 0.8700 0.7940 0.7704 0.9239 0.8250 1.1278 0.8976 -3.17% 1.37% 2.66% 0.61% -3.61% 3.17%18031 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18032 1.0100 1.0400 0.6900 1.0100 0.8800 1.0200 1.0049 1.0282 0.7083 0.9881 0.8483 0.9911 -0.50% -1.13% 2.65% -2.17% -3.60% -2.83%18034 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18035 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18036 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18037 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18038 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18039 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18040 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18041 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18042 0.8600 1.0200 0.5400 0.8600 0.9500 1.0500 0.8843 1.0254 0.5544 0.8413 0.9157 1.0202 2.83% 0.53% 2.67% -2.17% -3.61% -2.84%18043 0.8600 1.0200 0.5400 0.8600 0.9500 1.0500 0.8843 1.0254 0.5544 0.8413 0.9157 1.0202 2.83% 0.53% 2.67% -2.17% -3.61% -2.84%18044 0.8600 1.0200 0.5400 0.8600 0.9500 1.0500 0.8843 1.0254 0.5544 0.8413 0.9157 1.0202 2.83% 0.53% 2.67% -2.17% -3.61% -2.84%18045 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18046 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18049 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18051 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18052 1.0100 1.0400 0.6900 1.0100 0.8800 1.0200 1.0049 1.0282 0.7083 0.9881 0.8483 0.9911 -0.50% -1.13% 2.65% -2.17% -3.60% -2.83%18053 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18054 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18055 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18056 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%18058 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18059 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18060 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18062 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18063 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18064 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18065 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18066 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18067 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18068 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18069 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18070 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18071 0.8200 0.7600 0.9000 0.8200 1.1700 0.8700 0.7940 0.7704 0.9239 0.8250 1.1278 0.8976 -3.17% 1.37% 2.66% 0.61% -3.61% 3.17%18072 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18073 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18074 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18076 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18077 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18078 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18079 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18080 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18081 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18083 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18084 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18085 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18086 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18087 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18088 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18091 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18092 0.9300 0.9500 0.7300 0.9300 0.9000 0.9500 0.9006 0.9817 0.7494 0.9098 0.9212 0.9497 -3.16% 3.34% 2.66% -2.17% 2.36% -0.03%18101 1.2500 1.1600 0.7300 1.2500 1.0500 1.2300 1.2104 1.1898 0.7494 1.2229 1.0747 1.2582 -3.17% 2.57% 2.66% -2.17% 2.35% 2.29%18102 1.2500 1.1600 0.7300 1.2500 1.0500 1.2300 1.2104 1.1898 0.7494 1.2229 1.0747 1.2582 -3.17% 2.57% 2.66% -2.17% 2.35% 2.29%18103 1.0100 1.0400 0.6900 1.0100 0.8800 1.0200 1.0049 1.0282 0.7083 0.9881 0.8483 0.9911 -0.50% -1.13% 2.65% -2.17% -3.60% -2.83%18104 1.0100 1.0400 0.6900 1.0100 0.8800 1.0200 1.0049 1.0282 0.7083 0.9881 0.8483 0.9911 -0.50% -1.13% 2.65% -2.17% -3.60% -2.83%18105 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18106 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18109 1.0100 1.0400 0.6900 1.0100 0.8800 1.0200 1.0049 1.0282 0.7083 0.9881 0.8483 0.9911 -0.50% -1.13% 2.65% -2.17% -3.60% -2.83%18195 0.7700 0.9400 0.7000 0.7700 0.9000 0.9400 0.7917 0.9274 0.7186 0.7533 0.8675 0.9241 2.82% -1.34% 2.66% -2.17% -3.61% -1.69%18201 1.0900 0.8500 0.9200 1.0900 1.2400 1.0300 1.0624 0.8763 0.9445 1.0664 1.1953 1.0242 -2.53% 3.09% 2.66% -2.17% -3.60% -0.56%18202 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18210 1.0900 0.8500 0.9200 1.0900 1.2400 1.0300 1.0624 0.8763 0.9445 1.0664 1.1953 1.0242 -2.53% 3.09% 2.66% -2.17% -3.60% -0.56%18211 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18212 0.8200 0.7600 0.9000 0.8200 1.1700 0.8700 0.7940 0.7704 0.9239 0.8250 1.1278 0.8976 -3.17% 1.37% 2.66% 0.61% -3.61% 3.17%18214 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18216 1.0900 0.8500 0.9200 1.0900 1.2400 1.0300 1.0624 0.8763 0.9445 1.0664 1.1953 1.0242 -2.53% 3.09% 2.66% -2.17% -3.60% -0.56%18218 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18219 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18220 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18221 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18222 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18223 1.0900 0.8500 0.9200 1.0900 1.2400 1.0300 1.0624 0.8763 0.9445 1.0664 1.1953 1.0242 -2.53% 3.09% 2.66% -2.17% -3.60% -0.56%18224 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18225 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18229 1.0900 0.8500 0.9200 1.0900 1.2400 1.0300 1.0624 0.8763 0.9445 1.0664 1.1953 1.0242 -2.53% 3.09% 2.66% -2.17% -3.60% -0.56%18230 1.0900 0.8500 0.9200 1.0900 1.2400 1.0300 1.0624 0.8763 0.9445 1.0664 1.1953 1.0242 -2.53% 3.09% 2.66% -2.17% -3.60% -0.56%18231 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18232 0.8200 0.7600 0.9000 0.8200 1.1700 0.8700 0.7940 0.7704 0.9239 0.8250 1.1278 0.8976 -3.17% 1.37% 2.66% 0.61% -3.61% 3.17%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



18234 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18235 0.8200 0.7600 0.9000 0.8200 1.1700 0.8700 0.7940 0.7704 0.9239 0.8250 1.1278 0.8976 -3.17% 1.37% 2.66% 0.61% -3.61% 3.17%18237 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18239 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18240 1.0900 0.8500 0.9200 1.0900 1.2400 1.0300 1.0624 0.8763 0.9445 1.0664 1.1953 1.0242 -2.53% 3.09% 2.66% -2.17% -3.60% -0.56%18241 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18242 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18244 0.8200 0.7600 0.9000 0.8200 1.1700 0.8700 0.7940 0.7704 0.9239 0.8250 1.1278 0.8976 -3.17% 1.37% 2.66% 0.61% -3.61% 3.17%18245 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18246 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18247 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18248 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18249 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18250 0.8200 0.7600 0.9000 0.8200 1.1700 0.8700 0.7940 0.7704 0.9239 0.8250 1.1278 0.8976 -3.17% 1.37% 2.66% 0.61% -3.61% 3.17%18251 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18252 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%18254 0.8200 0.7600 0.9000 0.8200 1.1700 0.8700 0.7940 0.7704 0.9239 0.8250 1.1278 0.8976 -3.17% 1.37% 2.66% 0.61% -3.61% 3.17%18255 1.0900 0.8500 0.9200 1.0900 1.2400 1.0300 1.0624 0.8763 0.9445 1.0664 1.1953 1.0242 -2.53% 3.09% 2.66% -2.17% -3.60% -0.56%18256 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18301 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18302 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18320 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18321 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18322 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18323 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18324 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18325 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18326 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18327 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18328 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18330 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18331 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18332 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18333 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18334 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18335 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18336 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18337 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18340 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18341 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18342 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18343 0.9400 0.9500 0.6600 0.9400 0.8400 0.9400 0.9102 0.9516 0.6775 0.9196 0.8239 0.9134 -3.17% 0.17% 2.65% -2.17% -1.92% -2.83%18344 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18346 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18347 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18348 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18349 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18350 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18351 0.8600 1.0200 0.5400 0.8600 0.9500 1.0500 0.8843 1.0254 0.5544 0.8413 0.9157 1.0202 2.83% 0.53% 2.67% -2.17% -3.61% -2.84%18352 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18353 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18354 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18355 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18356 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18357 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18360 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18370 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18371 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18372 1.2100 0.9500 1.0500 1.2100 1.1000 1.1100 1.1717 0.9539 1.0779 1.1838 1.1259 1.1452 -3.17% 0.41% 2.66% -2.17% 2.35% 3.17%18401 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18403 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18405 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18407 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18410 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18411 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18413 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18414 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18415 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18416 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18417 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18419 0.8800 0.7400 0.6900 0.8800 1.3600 0.9100 0.8521 0.7294 0.7083 0.8609 1.3921 0.9389 -3.17% -1.43% 2.65% -2.17% 2.36% 3.18%18420 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18421 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18424 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18425 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18426 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18427 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18428 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18430 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18431 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18433 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18434 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18435 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18436 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18437 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18438 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18439 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18440 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18441 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18443 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18444 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18445 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18446 0.8800 0.7400 0.6900 0.8800 1.3600 0.9100 0.8521 0.7294 0.7083 0.8609 1.3921 0.9389 -3.17% -1.43% 2.65% -2.17% 2.36% 3.18%18447 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



18449 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18451 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18452 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18453 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18454 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18455 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18456 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18457 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18458 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18459 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18460 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18461 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18462 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18463 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18464 1.1500 0.9200 0.8700 1.1500 1.4200 1.1500 1.1825 0.9461 0.8931 1.1251 1.4092 1.1865 2.83% 2.84% 2.66% -2.17% -0.76% 3.17%18465 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18466 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18469 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18470 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18471 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18472 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18473 0.9800 0.7700 0.6600 0.9800 1.3400 0.9200 0.9490 0.7957 0.6775 0.9587 1.2917 0.9492 -3.16% 3.34% 2.65% -2.17% -3.60% 3.17%18501 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18502 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18503 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18504 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18505 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18507 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18508 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18509 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18510 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18512 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18515 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18517 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18518 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18519 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18540 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18601 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18603 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%18610 1.3100 1.0300 1.0200 1.3100 1.1100 1.2900 1.2798 1.0131 1.0471 1.2816 1.1362 1.2849 -2.31% -1.64% 2.66% -2.17% 2.36% -0.40%18611 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18612 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18614 0.7100 0.5600 0.6700 0.7100 1.7600 0.9000 0.6875 0.5787 0.6477 0.7156 1.6965 0.9286 -3.17% 3.34% -3.33% 0.79% -3.61% 3.18%18615 0.8800 0.7400 0.6900 0.8800 1.3600 0.9100 0.8521 0.7294 0.7083 0.8609 1.3921 0.9389 -3.17% -1.43% 2.65% -2.17% 2.36% 3.18%18616 0.7100 0.5600 0.6700 0.7100 1.7600 0.9000 0.6875 0.5787 0.6477 0.7156 1.6965 0.9286 -3.17% 3.34% -3.33% 0.79% -3.61% 3.18%18617 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18618 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18619 0.7100 0.5600 0.6700 0.7100 1.7600 0.9000 0.6875 0.5787 0.6477 0.7156 1.6965 0.9286 -3.17% 3.34% -3.33% 0.79% -3.61% 3.18%18621 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18622 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18623 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18624 1.0900 0.8500 0.9200 1.0900 1.2400 1.0300 1.0624 0.8763 0.9445 1.0664 1.1953 1.0242 -2.53% 3.09% 2.66% -2.17% -3.60% -0.56%18625 0.8800 0.7400 0.6900 0.8800 1.3600 0.9100 0.8521 0.7294 0.7083 0.8609 1.3921 0.9389 -3.17% -1.43% 2.65% -2.17% 2.36% 3.18%18626 0.7100 0.5600 0.6700 0.7100 1.7600 0.9000 0.6875 0.5787 0.6477 0.7156 1.6965 0.9286 -3.17% 3.34% -3.33% 0.79% -3.61% 3.18%18627 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18628 0.7100 0.5600 0.6700 0.7100 1.7600 0.9000 0.6875 0.5787 0.6477 0.7156 1.6965 0.9286 -3.17% 3.34% -3.33% 0.79% -3.61% 3.18%18629 0.8800 0.7400 0.6900 0.8800 1.3600 0.9100 0.8521 0.7294 0.7083 0.8609 1.3921 0.9389 -3.17% -1.43% 2.65% -2.17% 2.36% 3.18%18630 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18631 0.7400 0.7100 0.7400 0.7400 1.1200 0.8200 0.7166 0.7254 0.7154 0.7433 1.1464 0.8216 -3.16% 2.17% -3.32% 0.45% 2.36% 0.20%18632 0.7100 0.5600 0.6700 0.7100 1.7600 0.9000 0.6875 0.5787 0.6477 0.7156 1.6965 0.9286 -3.17% 3.34% -3.33% 0.79% -3.61% 3.18%18634 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18635 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18636 0.8800 0.7400 0.6900 0.8800 1.3600 0.9100 0.8521 0.7294 0.7083 0.8609 1.3921 0.9389 -3.17% -1.43% 2.65% -2.17% 2.36% 3.18%18640 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18641 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18642 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18643 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18644 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18651 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18653 0.9800 0.9000 0.8600 0.9800 0.8300 0.9300 0.9773 0.8777 0.8829 0.9587 0.8496 0.9036 -0.28% -2.48% 2.66% -2.17% 2.36% -2.84%18654 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18655 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18656 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18657 0.8800 0.7400 0.6900 0.8800 1.3600 0.9100 0.8521 0.7294 0.7083 0.8609 1.3921 0.9389 -3.17% -1.43% 2.65% -2.17% 2.36% 3.18%18660 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18661 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18701 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18702 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18703 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18704 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18705 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18706 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18707 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18708 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18709 0.9900 0.7900 0.9300 0.9900 0.8900 0.8800 0.9733 0.7958 0.9547 0.9685 0.8927 0.8676 -1.69% 0.73% 2.66% -2.17% 0.30% -1.41%18711 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18773 1.0300 0.8600 0.9700 1.0300 0.8700 0.9300 0.9974 0.8525 0.9771 1.0077 0.8905 0.9036 -3.17% -0.87% 0.73% -2.17% 2.36% -2.84%18801 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18810 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18812 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18813 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18814 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18815 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18816 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



18817 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18818 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18820 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18821 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18822 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18823 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18824 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18825 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18826 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18827 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18828 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18829 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18830 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18831 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18832 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18833 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18834 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18837 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18840 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18842 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18843 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18844 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18845 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18846 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18847 0.7800 0.7300 0.6500 0.7800 1.6800 0.9500 0.7852 0.7104 0.6673 0.8103 1.7196 0.9802 0.67% -2.68% 2.66% 3.88% 2.36% 3.18%18848 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18850 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18851 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18853 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18854 0.7000 0.6600 0.5400 0.7000 1.5300 0.8300 0.6778 0.6532 0.5544 0.7272 1.5661 0.8564 -3.17% -1.03% 2.67% 3.89% 2.36% 3.18%18901 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18902 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18910 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18911 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18912 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18913 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18914 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18915 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%18916 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18917 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18918 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18920 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18921 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18922 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18923 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18924 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%18925 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18927 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18928 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18929 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18930 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18931 1.4000 1.2700 1.6700 1.4000 0.8200 1.1100 1.4395 1.2360 1.6163 1.4544 0.7904 1.0785 2.82% -2.68% -3.22% 3.89% -3.61% -2.84%18932 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18933 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18934 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18935 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18936 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%18938 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18940 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18942 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18943 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18944 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18946 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18947 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18949 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18950 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18951 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18953 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18954 1.4000 1.2700 1.6700 1.4000 0.8200 1.1100 1.4395 1.2360 1.6163 1.4544 0.7904 1.0785 2.82% -2.68% -3.22% 3.89% -3.61% -2.84%18955 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18956 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18957 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18958 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18960 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18962 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18963 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18964 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18966 1.4000 1.2700 1.6700 1.4000 0.8200 1.1100 1.4395 1.2360 1.6163 1.4544 0.7904 1.0785 2.82% -2.68% -3.22% 3.89% -3.61% -2.84%18968 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18969 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18970 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%18971 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%18972 0.8300 0.9900 0.9700 0.8300 0.9800 0.9500 0.8534 1.0231 0.9958 0.8622 0.9529 0.9670 2.82% 3.34% 2.66% 3.88% -2.77% 1.79%18974 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18976 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18977 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18979 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%18980 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%18981 1.0300 1.1100 0.9800 1.0300 0.9100 1.0000 1.0591 1.1135 1.0061 1.0700 0.9314 1.0166 2.83% 0.32% 2.66% 3.88% 2.35% 1.66%19001 1.3000 1.2900 1.2900 1.3000 0.7900 1.1200 1.3367 1.2894 1.3243 1.2718 0.8086 1.0920 2.82% -0.05% 2.66% -2.17% 2.35% -2.50%19002 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19003 1.3500 1.3000 1.5300 1.3500 0.8400 1.1200 1.3792 1.3107 1.4792 1.3207 0.8598 1.0946 2.16% 0.82% -3.32% -2.17% 2.36% -2.27%19004 1.9100 1.4100 1.8000 1.9100 0.8100 1.2600 1.9514 1.4426 1.8479 1.8686 0.8291 1.2243 2.17% 2.31% 2.66% -2.17% 2.36% -2.83%19006 1.9100 1.4100 1.8000 1.9100 0.8100 1.2600 1.9514 1.4426 1.8479 1.8686 0.8291 1.2243 2.17% 2.31% 2.66% -2.17% 2.36% -2.83%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



19007 1.4000 1.2700 1.6700 1.4000 0.8200 1.1100 1.4395 1.2360 1.6163 1.4544 0.7904 1.0785 2.82% -2.68% -3.22% 3.89% -3.61% -2.84%19008 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19009 1.3000 1.2900 1.2900 1.3000 0.7900 1.1200 1.3367 1.2894 1.3243 1.2718 0.8086 1.0920 2.82% -0.05% 2.66% -2.17% 2.35% -2.50%19010 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19012 1.9100 1.4100 1.8000 1.9100 0.8100 1.2600 1.9514 1.4426 1.8479 1.8686 0.8291 1.2243 2.17% 2.31% 2.66% -2.17% 2.36% -2.83%19013 2.0800 1.4400 2.4300 2.0800 1.6700 1.4100 2.0919 1.4881 2.4946 2.1608 1.6098 1.4548 0.57% 3.34% 2.66% 3.88% -3.60% 3.18%19014 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19015 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19016 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19017 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19018 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19020 1.6400 1.3600 1.8400 1.6400 0.8500 1.2200 1.6863 1.3664 1.8889 1.7037 0.8465 1.1854 2.82% 0.47% 2.66% 3.88% -0.41% -2.84%19021 1.6400 1.3600 1.8400 1.6400 0.8500 1.2200 1.6863 1.3664 1.8889 1.7037 0.8465 1.1854 2.82% 0.47% 2.66% 3.88% -0.41% -2.84%19022 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19023 2.0800 1.4400 2.4300 2.0800 1.6700 1.4100 2.0919 1.4881 2.4946 2.1608 1.6098 1.4548 0.57% 3.34% 2.66% 3.88% -3.60% 3.18%19025 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19026 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19027 1.9100 1.4100 1.8000 1.9100 0.8100 1.2600 1.9514 1.4426 1.8479 1.8686 0.8291 1.2243 2.17% 2.31% 2.66% -2.17% 2.36% -2.83%19028 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19029 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19030 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%19031 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19032 2.0800 1.4400 2.4300 2.0800 1.6700 1.4100 2.0919 1.4881 2.4946 2.1608 1.6098 1.4548 0.57% 3.34% 2.66% 3.88% -3.60% 3.18%19033 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19034 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19035 1.3900 1.4200 1.6100 1.3900 0.8300 1.2600 1.4293 1.4675 1.5565 1.3599 0.8496 1.2512 2.83% 3.35% -3.32% -2.17% 2.36% -0.70%19036 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19037 1.3500 1.3000 1.5300 1.3500 0.8400 1.1200 1.3792 1.3107 1.4792 1.3207 0.8598 1.0946 2.16% 0.82% -3.32% -2.17% 2.36% -2.27%19038 1.3000 1.2900 1.2900 1.3000 0.7900 1.1200 1.3367 1.2894 1.3243 1.2718 0.8086 1.0920 2.82% -0.05% 2.66% -2.17% 2.35% -2.50%19039 1.3500 1.3000 1.5300 1.3500 0.8400 1.1200 1.3792 1.3107 1.4792 1.3207 0.8598 1.0946 2.16% 0.82% -3.32% -2.17% 2.36% -2.27%19040 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19041 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19043 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19044 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19046 1.9100 1.4100 1.8000 1.9100 0.8100 1.2600 1.9514 1.4426 1.8479 1.8686 0.8291 1.2243 2.17% 2.31% 2.66% -2.17% 2.36% -2.83%19047 1.4000 1.2700 1.6700 1.4000 0.8200 1.1100 1.4395 1.2360 1.6163 1.4544 0.7904 1.0785 2.82% -2.68% -3.22% 3.89% -3.61% -2.84%19050 2.0800 1.4400 2.4300 2.0800 1.6700 1.4100 2.0919 1.4881 2.4946 2.1608 1.6098 1.4548 0.57% 3.34% 2.66% 3.88% -3.60% 3.18%19052 1.3500 1.3000 1.5300 1.3500 0.8400 1.1200 1.3792 1.3107 1.4792 1.3207 0.8598 1.0946 2.16% 0.82% -3.32% -2.17% 2.36% -2.27%19053 1.6400 1.3600 1.8400 1.6400 0.8500 1.2200 1.6863 1.3664 1.8889 1.7037 0.8465 1.1854 2.82% 0.47% 2.66% 3.88% -0.41% -2.84%19054 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%19055 1.4000 1.2700 1.6700 1.4000 0.8200 1.1100 1.4395 1.2360 1.6163 1.4544 0.7904 1.0785 2.82% -2.68% -3.22% 3.89% -3.61% -2.84%19056 1.4000 1.2700 1.6700 1.4000 0.8200 1.1100 1.4395 1.2360 1.6163 1.4544 0.7904 1.0785 2.82% -2.68% -3.22% 3.89% -3.61% -2.84%19057 1.4000 1.2700 1.6700 1.4000 0.8200 1.1100 1.4395 1.2360 1.6163 1.4544 0.7904 1.0785 2.82% -2.68% -3.22% 3.89% -3.61% -2.84%19058 1.4000 1.2700 1.6700 1.4000 0.8200 1.1100 1.4395 1.2360 1.6163 1.4544 0.7904 1.0785 2.82% -2.68% -3.22% 3.89% -3.61% -2.84%19060 1.2300 1.2200 1.2900 1.2300 1.0000 1.1100 1.2266 1.2581 1.2472 1.2033 0.9744 1.1171 -0.28% 3.12% -3.32% -2.17% -2.56% 0.64%19061 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19063 1.3500 1.3000 1.5300 1.3500 0.8400 1.1200 1.3792 1.3107 1.4792 1.3207 0.8598 1.0946 2.16% 0.82% -3.32% -2.17% 2.36% -2.27%19064 1.3500 1.3000 1.5300 1.3500 0.8400 1.1200 1.3792 1.3107 1.4792 1.3207 0.8598 1.0946 2.16% 0.82% -3.32% -2.17% 2.36% -2.27%19065 1.2300 1.2200 1.2900 1.2300 1.0000 1.1100 1.2266 1.2581 1.2472 1.2033 0.9744 1.1171 -0.28% 3.12% -3.32% -2.17% -2.56% 0.64%19066 1.3900 1.4200 1.6100 1.3900 0.8300 1.2600 1.4293 1.4675 1.5565 1.3599 0.8496 1.2512 2.83% 3.35% -3.32% -2.17% 2.36% -0.70%19067 1.1700 1.1800 1.2000 1.1700 0.8700 1.0500 1.2030 1.1484 1.2319 1.1559 0.8630 1.0833 2.82% -2.68% 2.66% -1.21% -0.80% 3.17%19070 1.3500 1.3000 1.5300 1.3500 0.8400 1.1200 1.3792 1.3107 1.4792 1.3207 0.8598 1.0946 2.16% 0.82% -3.32% -2.17% 2.36% -2.27%19072 1.3900 1.4200 1.6100 1.3900 0.8300 1.2600 1.4293 1.4675 1.5565 1.3599 0.8496 1.2512 2.83% 3.35% -3.32% -2.17% 2.36% -0.70%19073 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19074 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19075 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19076 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19078 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19079 2.0800 1.4400 2.4300 2.0800 1.6700 1.4100 2.0919 1.4881 2.4946 2.1608 1.6098 1.4548 0.57% 3.34% 2.66% 3.88% -3.60% 3.18%19081 1.3500 1.3000 1.5300 1.3500 0.8400 1.1200 1.3792 1.3107 1.4792 1.3207 0.8598 1.0946 2.16% 0.82% -3.32% -2.17% 2.36% -2.27%19082 2.0800 1.4400 2.4300 2.0800 1.6700 1.4100 2.0919 1.4881 2.4946 2.1608 1.6098 1.4548 0.57% 3.34% 2.66% 3.88% -3.60% 3.18%19083 1.2300 1.2200 1.2900 1.2300 1.0000 1.1100 1.2266 1.2581 1.2472 1.2033 0.9744 1.1171 -0.28% 3.12% -3.32% -2.17% -2.56% 0.64%19085 1.3800 1.3200 1.6300 1.3800 0.9300 1.1600 1.3472 1.3032 1.5759 1.3501 0.8993 1.1603 -2.38% -1.27% -3.32% -2.17% -3.30% 0.03%19086 1.3500 1.3000 1.5300 1.3500 0.8400 1.1200 1.3792 1.3107 1.4792 1.3207 0.8598 1.0946 2.16% 0.82% -3.32% -2.17% 2.36% -2.27%19087 1.0900 1.2200 1.1200 1.0900 0.9100 1.1200 1.1208 1.2115 1.0828 1.0664 0.9314 1.1214 2.83% -0.70% -3.32% -2.17% 2.35% 0.12%19090 1.3000 1.2900 1.2900 1.3000 0.7900 1.1200 1.3367 1.2894 1.3243 1.2718 0.8086 1.0920 2.82% -0.05% 2.66% -2.17% 2.35% -2.50%19094 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19095 1.9100 1.4100 1.8000 1.9100 0.8100 1.2600 1.9514 1.4426 1.8479 1.8686 0.8291 1.2243 2.17% 2.31% 2.66% -2.17% 2.36% -2.83%19096 1.3900 1.4200 1.6100 1.3900 0.8300 1.2600 1.4293 1.4675 1.5565 1.3599 0.8496 1.2512 2.83% 3.35% -3.32% -2.17% 2.36% -0.70%19101 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19102 1.6400 1.3500 2.9400 1.6400 1.0100 1.2800 1.5881 1.3515 2.8423 1.7037 1.0222 1.2437 -3.16% 0.11% -3.32% 3.88% 1.21% -2.84%19103 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19104 2.5400 1.4000 3.4300 2.5400 2.3300 1.7600 2.5149 1.4468 3.4217 2.6386 2.2460 1.7703 -0.99% 3.34% -0.24% 3.88% -3.61% 0.59%19105 1.9500 1.2700 3.2900 1.9500 2.2000 1.6400 2.0051 1.3124 3.1807 2.0257 2.1207 1.6273 2.83% 3.34% -3.32% 3.88% -3.60% -0.77%19106 1.6400 1.3500 2.9400 1.6400 1.0100 1.2800 1.5881 1.3515 2.8423 1.7037 1.0222 1.2437 -3.16% 0.11% -3.32% 3.88% 1.21% -2.84%19107 1.6400 1.3500 2.9400 1.6400 1.0100 1.2800 1.5881 1.3515 2.8423 1.7037 1.0222 1.2437 -3.16% 0.11% -3.32% 3.88% 1.21% -2.84%19108 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19109 1.6400 1.3500 2.9400 1.6400 1.0100 1.2800 1.5881 1.3515 2.8423 1.7037 1.0222 1.2437 -3.16% 0.11% -3.32% 3.88% 1.21% -2.84%19110 1.6400 1.3500 2.9400 1.6400 1.0100 1.2800 1.5881 1.3515 2.8423 1.7037 1.0222 1.2437 -3.16% 0.11% -3.32% 3.88% 1.21% -2.84%19111 2.1400 1.5100 3.9400 2.1400 1.2100 1.4800 2.2004 1.4942 3.8091 2.2231 1.1664 1.4569 2.82% -1.05% -3.32% 3.88% -3.60% -1.56%19112 1.9500 1.2700 3.2900 1.9500 2.2000 1.6400 2.0051 1.3124 3.1807 2.0257 2.1207 1.6273 2.83% 3.34% -3.32% 3.88% -3.60% -0.77%19113 1.4700 1.3200 1.8300 1.4700 0.8900 1.2100 1.4682 1.3641 1.7692 1.4511 0.8649 1.2155 -0.12% 3.34% -3.32% -1.29% -2.82% 0.45%19114 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19115 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19116 2.1400 1.5100 3.9400 2.1400 1.2100 1.4800 2.2004 1.4942 3.8091 2.2231 1.1664 1.4569 2.82% -1.05% -3.32% 3.88% -3.60% -1.56%19118 1.6400 1.3500 2.9400 1.6400 1.0100 1.2800 1.5881 1.3515 2.8423 1.7037 1.0222 1.2437 -3.16% 0.11% -3.32% 3.88% 1.21% -2.84%19119 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19120 2.7600 1.5100 3.8600 2.7600 2.6300 1.9000 2.6763 1.5605 3.7318 2.8672 2.5352 1.9603 -3.03% 3.34% -3.32% 3.88% -3.60% 3.17%19121 2.8900 1.4000 3.9900 2.8900 2.8600 1.8000 2.7985 1.4468 4.0201 3.0022 2.7569 1.8572 -3.17% 3.34% 0.75% 3.88% -3.60% 3.18%19122 2.5400 1.4000 3.4300 2.5400 2.3300 1.7600 2.5149 1.4468 3.4217 2.6386 2.2460 1.7703 -0.99% 3.34% -0.24% 3.88% -3.61% 0.59%19123 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19124 2.7600 1.5100 3.8600 2.7600 2.6300 1.9000 2.6763 1.5605 3.7318 2.8672 2.5352 1.9603 -3.03% 3.34% -3.32% 3.88% -3.60% 3.17%19125 1.9500 1.2700 3.2900 1.9500 2.2000 1.6400 2.0051 1.3124 3.1807 2.0257 2.1207 1.6273 2.83% 3.34% -3.32% 3.88% -3.60% -0.77%19126 2.5400 1.4000 3.4300 2.5400 2.3300 1.7600 2.5149 1.4468 3.4217 2.6386 2.2460 1.7703 -0.99% 3.34% -0.24% 3.88% -3.61% 0.59%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



19127 1.6400 1.3500 2.9400 1.6400 1.0100 1.2800 1.5881 1.3515 2.8423 1.7037 1.0222 1.2437 -3.16% 0.11% -3.32% 3.88% 1.21% -2.84%19128 1.6400 1.3500 2.9400 1.6400 1.0100 1.2800 1.5881 1.3515 2.8423 1.7037 1.0222 1.2437 -3.16% 0.11% -3.32% 3.88% 1.21% -2.84%19129 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19130 2.1400 1.5100 3.9400 2.1400 1.2100 1.4800 2.2004 1.4942 3.8091 2.2231 1.1664 1.4569 2.82% -1.05% -3.32% 3.88% -3.60% -1.56%19131 2.5400 1.4000 3.4300 2.5400 2.3300 1.7600 2.5149 1.4468 3.4217 2.6386 2.2460 1.7703 -0.99% 3.34% -0.24% 3.88% -3.61% 0.59%19132 2.8900 1.4000 3.9900 2.8900 2.8600 1.8000 2.7985 1.4468 4.0201 3.0022 2.7569 1.8572 -3.17% 3.34% 0.75% 3.88% -3.60% 3.18%19133 2.8900 1.4000 3.9900 2.8900 2.8600 1.8000 2.7985 1.4468 4.0201 3.0022 2.7569 1.8572 -3.17% 3.34% 0.75% 3.88% -3.60% 3.18%19134 2.2600 1.3600 3.1900 2.2600 2.0600 1.6800 2.3238 1.4054 3.0840 2.3477 1.9857 1.7326 2.82% 3.34% -3.32% 3.88% -3.61% 3.13%19135 2.2600 1.3600 3.1900 2.2600 2.0600 1.6800 2.3238 1.4054 3.0840 2.3477 1.9857 1.7326 2.82% 3.34% -3.32% 3.88% -3.61% 3.13%19136 2.1400 1.5100 3.9400 2.1400 1.2100 1.4800 2.2004 1.4942 3.8091 2.2231 1.1664 1.4569 2.82% -1.05% -3.32% 3.88% -3.60% -1.56%19137 2.2600 1.3600 3.1900 2.2600 2.0600 1.6800 2.3238 1.4054 3.0840 2.3477 1.9857 1.7326 2.82% 3.34% -3.32% 3.88% -3.61% 3.13%19138 2.5400 1.4000 3.4300 2.5400 2.3300 1.7600 2.5149 1.4468 3.4217 2.6386 2.2460 1.7703 -0.99% 3.34% -0.24% 3.88% -3.61% 0.59%19139 2.7600 1.5100 3.8600 2.7600 2.6300 1.9000 2.6763 1.5605 3.7318 2.8672 2.5352 1.9603 -3.03% 3.34% -3.32% 3.88% -3.60% 3.17%19140 2.8900 1.4000 3.9900 2.8900 2.8600 1.8000 2.7985 1.4468 4.0201 3.0022 2.7569 1.8572 -3.17% 3.34% 0.75% 3.88% -3.60% 3.18%19141 2.5400 1.4000 3.4300 2.5400 2.3300 1.7600 2.5149 1.4468 3.4217 2.6386 2.2460 1.7703 -0.99% 3.34% -0.24% 3.88% -3.61% 0.59%19142 2.5400 1.4000 3.4300 2.5400 2.3300 1.7600 2.5149 1.4468 3.4217 2.6386 2.2460 1.7703 -0.99% 3.34% -0.24% 3.88% -3.61% 0.59%19143 2.7600 1.5100 3.8600 2.7600 2.6300 1.9000 2.6763 1.5605 3.7318 2.8672 2.5352 1.9603 -3.03% 3.34% -3.32% 3.88% -3.60% 3.17%19144 2.2600 1.3600 3.1900 2.2600 2.0600 1.6800 2.3238 1.4054 3.0840 2.3477 1.9857 1.7326 2.82% 3.34% -3.32% 3.88% -3.61% 3.13%19145 2.2600 1.3600 3.1900 2.2600 2.0600 1.6800 2.3238 1.4054 3.0840 2.3477 1.9857 1.7326 2.82% 3.34% -3.32% 3.88% -3.61% 3.13%19146 1.9500 1.2700 3.2900 1.9500 2.2000 1.6400 2.0051 1.3124 3.1807 2.0257 2.1207 1.6273 2.83% 3.34% -3.32% 3.88% -3.60% -0.77%19147 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19148 1.9500 1.2700 3.2900 1.9500 2.2000 1.6400 2.0051 1.3124 3.1807 2.0257 2.1207 1.6273 2.83% 3.34% -3.32% 3.88% -3.60% -0.77%19149 2.2600 1.3600 3.1900 2.2600 2.0600 1.6800 2.3238 1.4054 3.0840 2.3477 1.9857 1.7326 2.82% 3.34% -3.32% 3.88% -3.61% 3.13%19150 2.2600 1.3600 3.1900 2.2600 2.0600 1.6800 2.3238 1.4054 3.0840 2.3477 1.9857 1.7326 2.82% 3.34% -3.32% 3.88% -3.61% 3.13%19151 2.5400 1.4000 3.4300 2.5400 2.3300 1.7600 2.5149 1.4468 3.4217 2.6386 2.2460 1.7703 -0.99% 3.34% -0.24% 3.88% -3.61% 0.59%19152 2.1400 1.5100 3.9400 2.1400 1.2100 1.4800 2.2004 1.4942 3.8091 2.2231 1.1664 1.4569 2.82% -1.05% -3.32% 3.88% -3.60% -1.56%19153 1.9500 1.2700 3.2900 1.9500 2.2000 1.6400 2.0051 1.3124 3.1807 2.0257 2.1207 1.6273 2.83% 3.34% -3.32% 3.88% -3.60% -0.77%19154 1.9100 1.4000 3.4600 1.9100 1.2000 1.4200 1.9639 1.3681 3.3451 1.9842 1.1567 1.4296 2.82% -2.28% -3.32% 3.88% -3.61% 0.68%19176 2.5400 1.4000 3.4300 2.5400 2.3300 1.7600 2.5149 1.4468 3.4217 2.6386 2.2460 1.7703 -0.99% 3.34% -0.24% 3.88% -3.61% 0.59%19301 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19310 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19311 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19312 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19316 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19317 1.2300 1.2200 1.2900 1.2300 1.0000 1.1100 1.2266 1.2581 1.2472 1.2033 0.9744 1.1171 -0.28% 3.12% -3.32% -2.17% -2.56% 0.64%19318 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19319 1.2300 1.2200 1.2900 1.2300 1.0000 1.1100 1.2266 1.2581 1.2472 1.2033 0.9744 1.1171 -0.28% 3.12% -3.32% -2.17% -2.56% 0.64%19320 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19330 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19331 1.2300 1.2200 1.2900 1.2300 1.0000 1.1100 1.2266 1.2581 1.2472 1.2033 0.9744 1.1171 -0.28% 3.12% -3.32% -2.17% -2.56% 0.64%19333 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19335 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19341 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19342 1.2300 1.2200 1.2900 1.2300 1.0000 1.1100 1.2266 1.2581 1.2472 1.2033 0.9744 1.1171 -0.28% 3.12% -3.32% -2.17% -2.56% 0.64%19343 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19344 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19345 1.0900 1.2200 1.1200 1.0900 0.9100 1.1200 1.1208 1.2115 1.0828 1.0664 0.9314 1.1214 2.83% -0.70% -3.32% -2.17% 2.35% 0.12%19346 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19347 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19348 1.0900 1.2200 1.1200 1.0900 0.9100 1.1200 1.1208 1.2115 1.0828 1.0664 0.9314 1.1214 2.83% -0.70% -3.32% -2.17% 2.35% 0.12%19350 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19351 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19352 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19353 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19354 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19355 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19357 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19358 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19360 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19362 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19363 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19365 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19366 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19367 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19369 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19371 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19372 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19373 1.2300 1.2200 1.2900 1.2300 1.0000 1.1100 1.2266 1.2581 1.2472 1.2033 0.9744 1.1171 -0.28% 3.12% -3.32% -2.17% -2.56% 0.64%19374 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19375 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19376 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19380 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19381 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19382 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19383 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19390 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19395 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19397 1.0900 1.2200 1.1200 1.0900 0.9100 1.1200 1.1208 1.2115 1.0828 1.0664 0.9314 1.1214 2.83% -0.70% -3.32% -2.17% 2.35% 0.12%19398 1.0900 1.2200 1.1200 1.0900 0.9100 1.1200 1.1208 1.2115 1.0828 1.0664 0.9314 1.1214 2.83% -0.70% -3.32% -2.17% 2.35% 0.12%19399 1.0900 1.2200 1.1200 1.0900 0.9100 1.1200 1.1208 1.2115 1.0828 1.0664 0.9314 1.1214 2.83% -0.70% -3.32% -2.17% 2.35% 0.12%19401 1.3000 1.2900 1.2900 1.3000 0.7900 1.1200 1.3367 1.2894 1.3243 1.2718 0.8086 1.0920 2.82% -0.05% 2.66% -2.17% 2.35% -2.50%19403 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19404 1.3000 1.2900 1.2900 1.3000 0.7900 1.1200 1.3367 1.2894 1.3243 1.2718 0.8086 1.0920 2.82% -0.05% 2.66% -2.17% 2.35% -2.50%19405 1.3000 1.2900 1.2900 1.3000 0.7900 1.1200 1.3367 1.2894 1.3243 1.2718 0.8086 1.0920 2.82% -0.05% 2.66% -2.17% 2.35% -2.50%19406 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19407 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19408 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19409 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19420 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19421 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19422 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19423 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19425 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19426 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



19428 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19430 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19432 1.0900 1.2200 1.1200 1.0900 0.9100 1.1200 1.1208 1.2115 1.0828 1.0664 0.9314 1.1214 2.83% -0.70% -3.32% -2.17% 2.35% 0.12%19435 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19436 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19437 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19438 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19440 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19442 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19443 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19444 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19446 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19450 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19451 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19453 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19454 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19456 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19457 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19460 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19462 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19464 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19465 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19468 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19470 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19472 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19473 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19474 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19475 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19477 1.3200 1.2700 1.2600 1.3200 0.7600 1.0900 1.3352 1.2773 1.2461 1.3713 0.7779 1.0937 1.15% 0.57% -1.10% 3.89% 2.36% 0.34%19478 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19480 1.0300 1.1100 0.8600 1.0300 0.9900 1.0400 1.0213 1.1471 0.8462 1.0077 0.9543 1.0730 -0.84% 3.34% -1.60% -2.17% -3.61% 3.17%19481 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19482 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19484 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19486 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19490 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19492 1.0900 1.1900 1.0800 1.0900 0.7800 1.0300 1.1208 1.2298 1.1087 1.1323 0.7793 1.0008 2.83% 3.34% 2.66% 3.88% -0.09% -2.83%19501 0.7600 0.8900 0.6400 0.7600 0.6900 0.8500 0.7359 0.8684 0.6570 0.7435 0.6885 0.8259 -3.17% -2.43% 2.66% -2.17% -0.22% -2.84%19503 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19504 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19505 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19506 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19507 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19508 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19510 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19511 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19512 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19516 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19518 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19519 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19520 0.9400 1.0700 0.8500 0.9400 0.9700 1.0000 0.9312 1.0423 0.8623 0.9196 0.9929 0.9717 -0.94% -2.59% 1.45% -2.17% 2.36% -2.83%19522 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19523 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19525 0.9400 1.0500 0.9000 0.9400 0.8300 0.9700 0.9271 1.0851 0.9239 0.9196 0.8496 1.0008 -1.37% 3.34% 2.66% -2.17% 2.36% 3.18%19526 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19529 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19530 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19533 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19534 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19535 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19536 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19538 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19539 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19540 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19541 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19543 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19544 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19545 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19547 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19548 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19549 0.8300 0.7400 0.7900 0.8300 0.9700 0.8600 0.8037 0.7403 0.7754 0.8120 0.9929 0.8873 -3.17% 0.04% -1.85% -2.17% 2.36% 3.17%19550 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19551 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19554 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19555 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19559 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19560 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19562 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19564 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19565 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19567 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19601 1.2400 1.1600 0.7200 1.2400 1.0800 1.2600 1.2007 1.1700 0.7391 1.2131 1.0411 1.2243 -3.17% 0.86% 2.65% -2.17% -3.60% -2.83%19602 1.2400 1.1600 0.7200 1.2400 1.0800 1.2600 1.2007 1.1700 0.7391 1.2131 1.0411 1.2243 -3.17% 0.86% 2.65% -2.17% -3.60% -2.83%19603 1.2400 1.1600 0.7200 1.2400 1.0800 1.2600 1.2007 1.1700 0.7391 1.2131 1.0411 1.2243 -3.17% 0.86% 2.65% -2.17% -3.60% -2.83%19604 1.2400 1.1600 0.7200 1.2400 1.0800 1.2600 1.2007 1.1700 0.7391 1.2131 1.0411 1.2243 -3.17% 0.86% 2.65% -2.17% -3.60% -2.83%19605 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19606 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19607 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19608 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19609 0.7900 0.8700 0.7000 0.7900 0.9200 0.8900 0.7650 0.8991 0.7186 0.7729 0.8868 0.9183 -3.16% 3.34% 2.66% -2.16% -3.61% 3.18%19610 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%19611 0.9700 0.9400 0.7000 0.9700 0.9700 0.9500 0.9393 0.9331 0.7186 0.9490 0.9350 0.9332 -3.16% -0.73% 2.66% -2.16% -3.61% -1.77%99996 2.7000 2.0700 2.8900 6.7900 3.4000 1.9800 2.7000 2.0700 2.8900 6.7900 3.4000 1.9800 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%99997 8.1000 6.2200 8.6600 20.3700 10.2100 5.9400 8.1000 6.2200 8.6600 20.3700 10.2100 5.9400 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 16



99998 8.1000 6.2200 8.6600 20.3700 10.2100 5.9400 8.1000 6.2200 8.6600 20.3700 10.2100 5.9400 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%99999 8.1000 6.2200 8.6600 20.3700 10.2100 5.9400 8.1000 6.2200 8.6600 20.3700 10.2100 5.9400 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 73

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceBDOC Rate

Coverage Current Factor Amt. Proposed Factor Amt. % ChangeBDOC BI with Primary 11.8418 12.3747 4.50% Notes:

BDOC MED 6.8670 6.9906 1.80% BDOC = Broad Form Drive Other CarBDOC PD with Primary 6.3774 6.5687 3.00% DOC = Drive Other Car

DOC Accidental Death Benefit 3.8122 3.8808 1.80%DOC Funeral Expenses 1.4577 1.4839 1.80%

DOC Income Loss Benefits 17.1552 17.4640 1.80%DOC MED - Extraordinary 61.5680 62.6762 1.80%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 74

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceLoss of Use Factor

Loss of Use Current Factor Amt. Proposed Factor Amt. % ChangeBase Rate 26.7027 27.0498 1.30% Notes:

K4 2.5000 2.5000 0.00% K4 = Loss of Use Option ($25/day)K5 5.0000 5.0000 0.00% K5 = Loss of Use Option ($50/day)

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 75

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceCustomization Amount

Amt. Range Current Factor Amt. Proposed Factor Amt. % Change1 - 500 10.6044 10.9649 3.40%

501 - 1000 16.9670 17.5439 3.40%1001 - 1500 23.3297 24.1229 3.40%1501 - 2000 33.9340 35.0878 3.40%2001 - 2500 39.2362 40.5702 3.40%2501 - 3000 45.5989 47.1493 3.40%3001 - 3500 50.9010 52.6316 3.40%3501 - 4000 58.3240 60.3070 3.40%4001 - 4500 64.6867 66.8860 3.40%4501 - 5000 69.9889 72.3685 3.40%5001 - 5500 79.5328 82.2369 3.40%5501 - 6000 88.0163 91.0089 3.40%6001 - 6500 93.3185 96.4913 3.40%6501 - 7000 103.9229 107.4563 3.40%7001 - 7500 111.3459 115.1317 3.40%7501 - 8000 117.7086 121.7107 3.40%8001 - 8500 125.1317 129.3862 3.40%8501 - 9000 133.6151 138.1580 3.40%9001 - 9500 141.0382 145.8335 3.40%

9501 - 10000 148.4613 153.5090 3.40%10001 - 15000 189.8184 196.2722 3.40%15001 - 20000 267.2303 276.3161 3.40%20001 - 25000 342.5214 354.1671 3.40%25001 - 30000 417.8125 432.0181 3.40%30001 - 35000 495.2244 512.0620 3.40%35001 - 40000 570.5155 589.9130 3.40%40001 - 45000 646.8670 668.8605 3.40%45001 - 50000 722.1581 746.7115 3.40%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 76

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceGlass Deductible Buyback Base Rate

COMP Deductible Current Factor Amt. Proposed Factor Amt. % Change250 20.3882 21.0814 3.40%500 35.8418 37.0604 3.40%750 39.1969 40.5296 3.40%

1000 40.5596 41.9386 3.40%1500 41.6687 43.0854 3.40%2500 42.2812 43.7188 3.40%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 78

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceRental Coverage

Coverage Current Factor Amt. Proposed Factor Amt. % ChangeRENTAL RE ($30 per day) 38.0534 38.5481 1.30%RENTAL RE ($50 per day) 63.2342 64.0562 1.30%

RENTAL RE ($100 per day) 126.6566 128.3031 1.30%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 79

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceTowing Coverage

Coverage Current Factor Amt. Proposed Factor Amt. % ChangeTOWING 9.7374 9.8835 1.50%

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 80

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceCamper Trailer Base Rates

ACV Range COMP COLL COMP COLL COMP COLL Notes:0 - 1050 5.8571 4.2434 6.0562 4.2986 3.40% 1.30% 1. ACV Range reflects Amount of Insurance

1051 - 1300 8.5416 4.7737 8.8320 4.8358 3.40% 1.30% (100% to Actual Cash Value)1301 - 1600 9.2736 5.6581 9.5889 5.7317 3.40% 1.30%1601 - 1900 10.2501 6.7189 10.5986 6.8062 3.40% 1.30%1901 - 2400 12.6904 8.4867 13.1219 8.5970 3.40% 1.30%2401 - 3000 16.5950 11.3157 17.1592 11.4628 3.40% 1.30%3001 - 4000 20.7440 14.4981 21.4493 14.6866 3.40% 1.30%4001 - 5000 27.0892 18.7414 28.0102 18.9850 3.40% 1.30%5001 - 6000 33.6784 22.8083 34.8235 23.1048 3.40% 1.30%6001 - 7000 39.0475 25.9905 40.3751 26.3284 3.40% 1.30%7001 - 8000 45.6370 30.0573 47.1887 30.4480 3.40% 1.30%8001 - 9000 51.9818 34.1240 53.7492 34.5676 3.40% 1.30%

9001 - 10000 56.6188 38.0136 58.5438 38.5078 3.40% 1.30%10001 - 12000 63.2083 43.1410 65.3574 43.7018 3.40% 1.30%12001 - 14000 72.4819 48.7992 74.9463 49.4336 3.40% 1.30%14001 - 16000 81.7555 54.6335 84.5352 55.3437 3.40% 1.30%16001 - 18000 91.0288 61.1752 94.1238 61.9705 3.40% 1.30%18001 - 20000 100.0592 66.8334 103.4612 67.7022 3.40% 1.30%20001 - 22000 108.1122 71.7838 111.7880 72.7170 3.40% 1.30%22001 - 24000 117.1423 77.6188 121.1251 78.6278 3.40% 1.30%24001 - 26000 125.9280 83.4532 130.2096 84.5381 3.40% 1.30%26001 - 28000 133.7376 88.4037 138.2847 89.5529 3.40% 1.30%28001 - 30000 142.7674 94.0613 147.6215 95.2841 3.40% 1.30%

30001 - 999999 214.5170 140.3852 221.8106 142.2102 3.40% 1.30%

Current Factor Amt. Proposed Factor Amt. % Change

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit 82

State of PennsylvaniaMid-Century Insurance CompanyFarmers Smart Plan Auto ProgramPrivate Passenger Automobile InsuranceCamper Trailer Fire Contents

Current CMP TRL Fire Contents Proposed CMP TRL Fire Contents % Change0.6791 0.7022 3.40%

Notes:CMP TRL = Camper Trailer

NB eff: 05/27/2020RN eff: 06/27/2020

Exhibit M-1Page 1

Zip CodeCluster Group

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

15001 651 0.9683 0.8800 0.8521 0.9739 0.9400 0.9155 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 0.8800 0.9007 1.0163 0.9500 0.965515003 651 0.9683 0.8800 0.8521 0.9739 0.9400 0.9155 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 0.8800 0.9007 1.0163 0.9500 0.965515004 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115005 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615006 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515007 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515009 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615010 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615012 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015014 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515015 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515017 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515018 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515019 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115020 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115021 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115022 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115024 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515025 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515026 651 0.9683 0.8800 0.8521 0.9739 0.9400 0.9155 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 0.8800 0.9007 1.0163 0.9500 0.965515027 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615028 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515030 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515031 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515032 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515033 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115034 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115035 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115036 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115037 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515038 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915042 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615043 651 0.9683 0.8800 0.8521 0.9739 0.9400 0.9155 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 0.8800 0.9007 1.0163 0.9500 0.965515044 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515045 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115046 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515047 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515049 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515050 651 0.9683 0.8800 0.8521 0.9739 0.9400 0.9155 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 0.8800 0.9007 1.0163 0.9500 0.965515051 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515052 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615053 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115054 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115055 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915056 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515057 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915059 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615060 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915061 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615062 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015063 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915064 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.8745

Pennsylvania - Mid-Century Insurance Co. - FSPA

Development of Proposed Zip Code Factors

Bodily Injury Coverage Property Damage Coverage Medical/No Fault Coverage Uninsured Motorist Coverage Comprehensive Coverage Collision Coverage

Exhibit M-1Page 2


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15065 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515066 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615067 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915068 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015069 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515071 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115072 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215074 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615075 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115076 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515077 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615078 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115081 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860615082 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515083 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015084 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515085 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015086 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515087 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515088 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515089 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515090 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515091 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515101 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515102 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515104 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815106 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515108 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515110 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815112 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115116 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515120 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115122 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115123 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515126 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515127 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515129 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515130 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315131 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515132 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815133 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515134 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515135 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515136 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115137 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115139 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115140 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815142 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515143 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515144 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515145 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115146 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.0688

Exhibit M-1Page 3


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15147 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815148 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115201 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315202 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115203 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315204 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115205 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515206 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315207 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815208 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315209 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515210 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315211 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315212 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815213 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315214 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315215 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515216 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115217 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315218 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115219 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315220 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115221 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315222 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815223 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515224 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315225 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115226 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315227 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515228 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515229 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515230 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515232 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315233 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315234 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515235 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815236 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515237 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515238 773 0.9683 0.8100 0.7844 0.9732 1.0900 1.0608 0.9668 0.7500 0.7251 0.9783 0.8100 0.7924 1.0056 0.7900 0.7945 0.9717 1.0200 0.991115239 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515240 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515241 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515243 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515244 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515253 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515260 771 0.9683 0.9900 0.9587 0.9732 1.2200 1.1873 1.0266 0.7500 0.7699 0.9783 0.9900 0.9685 1.0229 0.7700 0.7876 0.9717 1.1900 1.156315272 774 0.9740 0.7900 0.7694 1.0053 1.0000 1.0053 1.0266 0.7300 0.7494 0.9783 0.7900 0.7729 1.0236 0.7500 0.7677 0.9763 0.9500 0.927515275 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515276 775 0.9826 0.7300 0.7173 1.0334 0.9900 1.0231 1.0123 0.6900 0.6985 1.0388 0.7300 0.7583 1.0236 0.7000 0.7165 0.9717 0.9000 0.874515290 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815295 772 1.0092 0.8700 0.8780 0.9732 1.1400 1.1095 1.0266 0.7500 0.7699 0.9783 0.8700 0.8511 1.0236 0.7700 0.7881 0.9717 1.1000 1.068815301 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.9279

Exhibit M-1Page 4


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15310 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215311 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115312 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115313 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115314 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115315 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215316 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215317 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915320 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215321 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915322 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115323 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915324 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115325 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215327 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215329 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115330 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115331 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115332 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915333 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115334 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215336 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115337 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215338 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215339 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115340 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915341 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215342 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915344 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215345 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115346 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215347 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915348 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115349 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215350 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115351 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215352 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215353 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215357 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215358 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115359 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215360 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115361 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115362 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215363 752 1.0203 0.7900 0.8061 0.9888 0.9100 0.8998 1.0053 0.7200 0.7238 0.9783 0.7900 0.7729 0.9639 1.0000 0.9639 1.0086 0.9200 0.927915364 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215365 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115366 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115367 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115368 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115370 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215376 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.0111

Exhibit M-1Page 5


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15377 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115378 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115379 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115380 760 0.9683 0.9600 0.9296 0.9732 0.7600 0.7396 1.0266 0.6700 0.6878 0.9783 0.9600 0.9392 0.9639 1.3400 1.2917 1.0318 0.9200 0.949215401 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615410 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615411 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915412 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115413 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615415 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615416 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615417 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615419 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115420 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615421 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615422 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615423 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115424 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915425 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615427 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115428 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615429 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115430 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615431 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615432 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115433 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615434 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115435 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615436 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615437 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615438 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615439 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615440 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615442 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615443 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615444 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615445 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615446 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615447 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615448 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215449 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615450 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615451 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615454 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615455 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615456 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615458 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615459 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615460 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615461 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615462 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615463 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.9286

Exhibit M-1Page 6


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15464 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615465 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615466 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615467 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615468 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615469 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615470 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615472 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615473 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615474 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615475 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615476 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615477 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115478 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615479 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015480 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615482 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615483 751 0.9683 0.8000 0.7747 0.9732 0.8900 0.8662 1.0266 0.7400 0.7597 0.9783 0.8000 0.7826 1.0236 1.1500 1.1771 1.0318 0.9800 1.011115484 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615485 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915486 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615488 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615489 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615490 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615492 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615501 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915502 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715520 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915521 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015522 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015530 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915531 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715532 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915533 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015534 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015535 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015536 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928615537 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015538 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915539 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015540 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915541 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715542 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915544 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915545 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015546 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715547 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715548 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715549 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915550 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015551 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915552 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.9079

Exhibit M-1Page 7


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15553 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715554 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015555 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715557 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915558 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915559 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877015560 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915561 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715562 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915563 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715564 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715565 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715601 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015610 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215611 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215612 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515613 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215615 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015616 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215617 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015618 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918315619 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215620 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215621 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215622 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615623 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015624 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515625 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215626 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015627 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215628 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215629 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215631 180 0.9683 0.8400 0.8134 0.9775 0.7500 0.7331 1.0132 0.7800 0.7903 0.9783 0.8400 0.8218 1.0236 1.0800 1.1055 1.0318 0.9000 0.928615632 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015633 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215634 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215635 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015636 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015637 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015638 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215639 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215640 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215641 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215642 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015644 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215646 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215647 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015650 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015655 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215656 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015658 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215660 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.9392

Exhibit M-1Page 8


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15661 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015662 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215663 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515664 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515665 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215666 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515668 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515670 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215671 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215672 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515673 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918315674 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215675 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215676 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515677 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215678 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015679 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215680 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015681 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315682 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918315683 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515684 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015685 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215686 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918315687 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215688 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515689 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215690 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215691 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015692 172 1.0048 0.7600 0.7636 0.9946 0.8900 0.8852 0.9960 0.7500 0.7470 0.9783 0.7600 0.7435 0.9660 0.9500 0.9177 1.0000 0.9100 0.910015693 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215695 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515696 173 1.0282 0.7600 0.7815 1.0106 0.8700 0.8792 1.0266 0.7600 0.7802 0.9783 0.7600 0.7435 1.0236 0.8800 0.9007 1.0207 0.8900 0.908515697 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215698 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215701 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315710 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315711 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915712 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315713 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315714 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715715 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915716 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315717 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315720 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315721 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866715722 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715723 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315724 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315725 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315727 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315728 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.8873

Exhibit M-1Page 9


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15729 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315730 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915731 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315732 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315733 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915734 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315736 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918315737 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715738 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315739 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315741 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315742 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315744 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915745 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315746 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315747 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315748 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315750 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315752 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315753 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866715754 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315756 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315757 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866715758 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315759 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315760 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715761 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315762 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715763 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315764 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915765 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315767 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915770 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915771 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315772 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315773 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715774 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315775 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715776 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915777 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315778 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915779 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215780 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915781 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915783 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315784 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915801 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866715821 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715822 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715823 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715824 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915825 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.9079

Exhibit M-1Page 10


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15827 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715828 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918315829 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915831 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715832 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715834 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715840 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915841 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715845 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715846 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715847 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915848 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866715849 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866715851 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915853 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715856 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866715857 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715860 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915861 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715863 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915864 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915865 230 0.9683 0.5700 0.5520 0.9732 0.6700 0.6521 1.0266 0.5900 0.6057 1.0388 0.5700 0.5921 1.0236 1.5100 1.5456 1.0318 0.8800 0.907915866 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866715868 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715870 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835715901 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715902 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715904 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715905 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715906 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715907 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315909 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715915 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315920 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315921 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715922 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315923 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215924 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715925 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715926 191 0.9683 0.7500 0.7263 1.0334 0.7200 0.7441 0.9845 0.7900 0.7777 0.9783 0.7500 0.7337 1.0035 1.3600 1.3648 1.0318 0.8800 0.907915927 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715928 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715929 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315930 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715931 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715934 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715935 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715936 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715937 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715938 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715940 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715942 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.8667

Exhibit M-1Page 11


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




15943 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715944 171 0.9683 0.8100 0.7844 0.9732 0.8500 0.8272 0.9700 0.7500 0.7275 0.9783 0.8100 0.7924 0.9639 1.2400 1.1953 0.9991 0.9400 0.939215945 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715946 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715948 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715949 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315951 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715952 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715953 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715954 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315955 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715956 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715957 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315958 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715959 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827715960 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715961 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887315962 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866715963 192 0.9683 0.6500 0.6294 1.0334 0.7500 0.7751 1.0251 0.7200 0.7381 1.0388 0.6500 0.6752 1.0236 1.1300 1.1566 0.9737 0.8500 0.827716001 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316002 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616003 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316016 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316017 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316018 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316020 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316021 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316022 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316023 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616024 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616025 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316027 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616028 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316029 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316030 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316033 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616034 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316035 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316036 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316037 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616038 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316039 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316040 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316041 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316045 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316046 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616048 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316049 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316050 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316051 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616052 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616053 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.9286

Exhibit M-1Page 12


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




16054 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316055 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616056 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616057 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316058 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316059 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616061 111 0.9683 0.7600 0.7359 0.9755 0.8400 0.8194 1.0266 0.7400 0.7597 1.0388 0.7600 0.7895 1.0236 1.3200 1.3511 1.0318 0.8900 0.918316063 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616066 112 1.0061 0.7200 0.7244 0.9831 0.9000 0.8848 1.0146 0.6900 0.7001 0.9783 0.7200 0.7044 1.0236 1.0500 1.0747 1.0318 0.9000 0.928616101 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016102 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016103 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016105 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016107 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016108 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016110 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916111 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916112 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016113 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416114 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416115 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860616116 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016117 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016120 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016121 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416123 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860616124 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416125 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416127 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416130 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416131 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916132 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016133 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416134 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916136 652 0.9683 0.7600 0.7359 0.9920 0.8700 0.8631 1.0266 0.6100 0.6262 0.9783 0.7600 0.7435 0.9899 0.8600 0.8513 0.9780 0.8800 0.860616137 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416140 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016141 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016142 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416143 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016145 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416146 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416148 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416150 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416151 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416153 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416154 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416155 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016156 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016157 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.877016159 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416160 540 0.9683 0.7600 0.7359 1.0334 0.7900 0.8164 1.0266 0.7000 0.7186 0.9783 0.7600 0.7435 1.0236 1.0700 1.0952 1.0318 0.8500 0.8770

Exhibit M-1Page 13


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




16161 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416172 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416201 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316210 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316211 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887316212 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316213 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316214 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316217 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316218 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316220 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316221 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316222 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316223 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316224 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316225 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316226 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316228 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316229 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316230 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316232 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316233 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316234 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316235 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316236 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316238 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316239 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316240 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316242 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316244 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316245 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316246 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887316248 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316249 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316250 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316253 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316254 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316255 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316256 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887316257 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316258 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316259 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316260 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316261 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316262 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316263 160 1.0282 0.7000 0.7198 0.9892 0.7600 0.7518 0.9675 0.6300 0.6095 0.9783 0.7000 0.6848 0.9896 1.5000 1.4844 1.0318 0.8900 0.918316301 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616311 430 1.0282 0.7200 0.7403 0.9732 0.7500 0.7299 1.0266 0.7100 0.7289 0.9841 0.7200 0.7085 1.0236 1.1200 1.1464 1.0318 0.8300 0.856416312 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416313 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416314 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916316 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.9079

Exhibit M-1Page 14


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




16317 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616319 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616321 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316322 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316323 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616326 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316327 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916328 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916329 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416331 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316332 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316333 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716334 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316335 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916340 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416341 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616342 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616343 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616344 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616345 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416346 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616347 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416350 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416351 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416352 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416353 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316354 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916360 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916361 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316362 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616364 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616365 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416366 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416367 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416368 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416369 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416370 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316371 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416372 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616373 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616374 120 1.0282 0.6400 0.6581 1.0250 0.7000 0.7175 1.0266 0.6500 0.6673 1.0388 0.6400 0.6648 1.0236 1.4600 1.4944 1.0318 0.8700 0.897616375 140 0.9683 0.6500 0.6294 0.9732 0.7000 0.6813 1.0266 0.6300 0.6467 1.0250 0.6500 0.6662 1.0236 1.6600 1.6991 1.0318 0.8900 0.918316401 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916402 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416403 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916404 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916405 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416406 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916407 323 0.9683 0.7700 0.7456 0.9732 0.8400 0.8175 1.0266 0.6600 0.6775 0.9783 0.7700 0.7533 1.0087 1.3000 1.3113 1.0318 0.8900 0.918316410 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916411 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916412 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.9079

Exhibit M-1Page 15


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




16413 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916415 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916416 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416417 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916420 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416421 322 1.0255 0.9600 0.9845 0.9732 1.0500 1.0219 1.0266 0.8000 0.8213 0.9783 0.9600 0.9392 1.0236 0.7600 0.7779 0.9717 0.9500 0.923116422 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916423 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916424 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916426 323 0.9683 0.7700 0.7456 0.9732 0.8400 0.8175 1.0266 0.6600 0.6775 0.9783 0.7700 0.7533 1.0087 1.3000 1.3113 1.0318 0.8900 0.918316427 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916428 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916430 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916432 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916433 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916434 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916435 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916436 130 0.9683 0.6400 0.6197 0.9732 0.6800 0.6618 1.0266 0.5600 0.5749 1.0388 0.6400 0.6648 0.9926 1.4400 1.4293 1.0318 0.8300 0.856416438 323 0.9683 0.7700 0.7456 0.9732 0.8400 0.8175 1.0266 0.6600 0.6775 0.9783 0.7700 0.7533 1.0087 1.3000 1.3113 1.0318 0.8900 0.918316440 210 0.9702 0.7000 0.6792 1.0066 0.7300 0.7348 1.0266 0.6600 0.6775 0.9787 0.7000 0.6851 1.0236 1.5100 1.5456 1.0318 0.8800 0.907916441 323 0.9683 0.7700 0.7456 0.9732 0.8400 0.8175 1.0266 0.6600 0.6775 0.9783 0.7700 0.7533 1.0087 1.3000 1.3113 1.0318 0.8900 0.918316442 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916443 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916444 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916475 325 1.0282 0.7800 0.8020 0.9732 0.8200 0.7980 0.9893 0.6900 0.6826 0.9783 0.7800 0.7631 1.0236 1.0500 1.0747 1.0318 0.8800 0.907916501 321 1.0282 1.0400 1.0694 0.9732 1.2600 1.2263 1.0266 0.8300 0.8521 0.9783 1.0400 1.0174 1.0236 0.8600 0.8803 0.9717 1.1400 1.107716502 321 1.0282 1.0400 1.0694 0.9732 1.2600 1.2263 1.0266 0.8300 0.8521 0.9783 1.0400 1.0174 1.0236 0.8600 0.8803 0.9717 1.1400 1.107716503 321 1.0282 1.0400 1.0694 0.9732 1.2600 1.2263 1.0266 0.8300 0.8521 0.9783 1.0400 1.0174 1.0236 0.8600 0.8803 0.9717 1.1400 1.107716504 322 1.0255 0.9600 0.9845 0.9732 1.0500 1.0219 1.0266 0.8000 0.8213 0.9783 0.9600 0.9392 1.0236 0.7600 0.7779 0.9717 0.9500 0.923116505 322 1.0255 0.9600 0.9845 0.9732 1.0500 1.0219 1.0266 0.8000 0.8213 0.9783 0.9600 0.9392 1.0236 0.7600 0.7779 0.9717 0.9500 0.923116506 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916507 321 1.0282 1.0400 1.0694 0.9732 1.2600 1.2263 1.0266 0.8300 0.8521 0.9783 1.0400 1.0174 1.0236 0.8600 0.8803 0.9717 1.1400 1.107716508 322 1.0255 0.9600 0.9845 0.9732 1.0500 1.0219 1.0266 0.8000 0.8213 0.9783 0.9600 0.9392 1.0236 0.7600 0.7779 0.9717 0.9500 0.923116509 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916510 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916511 322 1.0255 0.9600 0.9845 0.9732 1.0500 1.0219 1.0266 0.8000 0.8213 0.9783 0.9600 0.9392 1.0236 0.7600 0.7779 0.9717 0.9500 0.923116512 322 1.0255 0.9600 0.9845 0.9732 1.0500 1.0219 1.0266 0.8000 0.8213 0.9783 0.9600 0.9392 1.0236 0.7600 0.7779 0.9717 0.9500 0.923116514 322 1.0255 0.9600 0.9845 0.9732 1.0500 1.0219 1.0266 0.8000 0.8213 0.9783 0.9600 0.9392 1.0236 0.7600 0.7779 0.9717 0.9500 0.923116515 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916522 321 1.0282 1.0400 1.0694 0.9732 1.2600 1.2263 1.0266 0.8300 0.8521 0.9783 1.0400 1.0174 1.0236 0.8600 0.8803 0.9717 1.1400 1.107716530 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916531 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916534 322 1.0255 0.9600 0.9845 0.9732 1.0500 1.0219 1.0266 0.8000 0.8213 0.9783 0.9600 0.9392 1.0236 0.7600 0.7779 0.9717 0.9500 0.923116538 321 1.0282 1.0400 1.0694 0.9732 1.2600 1.2263 1.0266 0.8300 0.8521 0.9783 1.0400 1.0174 1.0236 0.8600 0.8803 0.9717 1.1400 1.107716541 321 1.0282 1.0400 1.0694 0.9732 1.2600 1.2263 1.0266 0.8300 0.8521 0.9783 1.0400 1.0174 1.0236 0.8600 0.8803 0.9717 1.1400 1.107716544 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916546 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916550 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916553 321 1.0282 1.0400 1.0694 0.9732 1.2600 1.2263 1.0266 0.8300 0.8521 0.9783 1.0400 1.0174 1.0236 0.8600 0.8803 0.9717 1.1400 1.107716563 321 1.0282 1.0400 1.0694 0.9732 1.2600 1.2263 1.0266 0.8300 0.8521 0.9783 1.0400 1.0174 1.0236 0.8600 0.8803 0.9717 1.1400 1.107716565 324 0.9683 0.8700 0.8425 0.9748 0.9600 0.9358 1.0237 0.7500 0.7677 0.9783 0.8700 0.8511 1.0236 0.8000 0.8189 0.9717 0.9200 0.893916601 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.9183

Exhibit M-1Page 16


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




16602 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316603 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316611 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016613 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716616 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716617 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316619 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716620 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716621 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016622 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016623 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016624 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887316625 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316627 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716629 220 1.0260 0.6800 0.6977 0.9965 0.7600 0.7573 0.9985 0.7800 0.7788 1.0388 0.6800 0.7064 1.0042 1.4500 1.4561 1.0318 0.8600 0.887316630 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716631 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316633 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016634 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016635 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316636 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716637 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316638 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016639 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716640 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716641 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716644 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716645 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716646 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716647 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016648 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316650 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016651 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716652 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016655 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016656 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716657 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016659 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016660 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016661 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716662 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316663 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716664 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016665 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316666 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716667 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016668 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716669 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016670 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016671 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716672 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016673 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.9183

Exhibit M-1Page 17


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




16674 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016675 200 1.0021 0.6900 0.6915 0.9732 0.7400 0.7202 0.9668 0.7100 0.6864 1.0388 0.6900 0.7168 1.0236 1.0100 1.0338 1.0318 0.8400 0.866716677 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916678 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016679 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016680 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716681 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716682 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316683 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016684 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316685 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016686 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316689 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928616691 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928616692 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716693 340 1.0035 0.7100 0.7125 0.9732 0.8500 0.8272 1.0266 0.6400 0.6570 0.9783 0.7100 0.6946 1.0236 0.9400 0.9622 1.0318 0.8900 0.918316694 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016695 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016701 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716720 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716724 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716725 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716726 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716727 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716728 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716729 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716730 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716731 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716732 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716733 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716734 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716735 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716738 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716740 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716743 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716744 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716745 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716746 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716748 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716749 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716750 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716801 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916802 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916803 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916804 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916805 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916820 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916821 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716822 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788316823 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916825 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716826 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.7759

Exhibit M-1Page 18


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




16827 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916828 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916829 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916830 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716832 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916833 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716834 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716835 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916836 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716837 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716838 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716839 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716840 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716841 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916843 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716844 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916845 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716847 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716848 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788316849 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716850 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716851 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916852 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916853 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916854 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916855 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716856 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916858 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716859 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916860 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716861 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716863 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716864 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916865 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916866 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916868 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916870 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916871 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788316872 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916873 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716874 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916875 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916876 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716877 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877016878 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716879 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716881 240 1.0110 0.6400 0.6471 0.9846 0.6900 0.6794 1.0266 0.6300 0.6467 1.0388 0.6400 0.6648 1.0236 1.2600 1.2897 1.0318 0.8400 0.866716882 330 0.9683 0.6300 0.6101 0.9799 0.7200 0.7055 1.0079 0.6200 0.6249 1.0388 0.6300 0.6545 1.0236 0.8000 0.8189 0.9948 0.7800 0.775916901 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816910 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856416911 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816912 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.8048

Exhibit M-1Page 19


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




16914 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856416915 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716917 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816920 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816921 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816922 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716923 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716925 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856416926 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856416927 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716928 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816929 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816930 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816932 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816933 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816935 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816936 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816937 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716938 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816939 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816940 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816941 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716942 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816943 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816945 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856416946 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804816947 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856416948 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835716950 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804817001 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817002 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017003 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217004 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517005 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917006 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617007 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817009 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517010 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217011 401 0.9683 0.7200 0.6972 1.0251 0.8700 0.8918 1.0266 0.6600 0.6775 0.9783 0.7200 0.7044 1.0236 0.6200 0.6346 0.9717 0.8500 0.825917013 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817014 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817015 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817016 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217017 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117018 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917019 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517020 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617021 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817022 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917023 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917024 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617025 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.8048

Exhibit M-1Page 20


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




17026 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217027 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817028 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917029 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517030 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917032 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917033 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917034 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917035 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817036 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917037 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617038 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217039 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217040 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617041 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217042 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217043 401 0.9683 0.7200 0.6972 1.0251 0.8700 0.8918 1.0266 0.6600 0.6775 0.9783 0.7200 0.7044 1.0236 0.6200 0.6346 0.9717 0.8500 0.825917044 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517045 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617046 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217047 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617048 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917049 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817050 401 0.9683 0.7200 0.6972 1.0251 0.8700 0.8918 1.0266 0.6600 0.6775 0.9783 0.7200 0.7044 1.0236 0.6200 0.6346 0.9717 0.8500 0.825917051 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517052 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017053 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617054 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517055 401 0.9683 0.7200 0.6972 1.0251 0.8700 0.8918 1.0266 0.6600 0.6775 0.9783 0.7200 0.7044 1.0236 0.6200 0.6346 0.9717 0.8500 0.825917056 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817057 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917058 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817059 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817060 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017061 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917062 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617063 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517064 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217065 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817066 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517067 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217068 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617069 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617070 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517071 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617072 401 0.9683 0.7200 0.6972 1.0251 0.8700 0.8918 1.0266 0.6600 0.6775 0.9783 0.7200 0.7044 1.0236 0.6200 0.6346 0.9717 0.8500 0.825917073 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217074 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617075 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517076 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817077 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217078 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.8212

Exhibit M-1Page 21


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




17080 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917081 401 0.9683 0.7200 0.6972 1.0251 0.8700 0.8918 1.0266 0.6600 0.6775 0.9783 0.7200 0.7044 1.0236 0.6200 0.6346 0.9717 0.8500 0.825917082 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817083 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217084 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517085 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217086 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817087 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217088 570 0.9683 0.7700 0.7456 1.0151 0.8500 0.8628 1.0266 0.6500 0.6673 0.9783 0.7700 0.7533 0.9814 0.7000 0.6870 0.9777 0.8400 0.821217090 410 1.0282 0.6600 0.6786 1.0334 0.7500 0.7751 0.9668 0.7700 0.7444 1.0069 0.6600 0.6646 1.0236 0.8800 0.9007 0.9748 0.8900 0.867617093 401 0.9683 0.7200 0.6972 1.0251 0.8700 0.8918 1.0266 0.6600 0.6775 0.9783 0.7200 0.7044 1.0236 0.6200 0.6346 0.9717 0.8500 0.825917094 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817097 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917098 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917099 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517101 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917102 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917103 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917104 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917105 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917106 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917107 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917108 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917109 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917110 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917111 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917112 522 0.9683 0.7700 0.7456 0.9732 0.8700 0.8467 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 1.0236 0.7400 0.7574 0.9717 0.8500 0.825917113 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917120 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917121 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917122 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917123 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917124 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917125 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917126 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917127 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917128 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917129 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917130 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917140 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917177 521 0.9683 0.9000 0.8715 0.9732 1.0100 0.9830 1.0266 0.8000 0.8213 0.9783 0.9000 0.8805 1.0236 0.7000 0.7165 0.9717 0.9900 0.961917201 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817202 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817210 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817211 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017212 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928617213 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017214 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817215 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928617217 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817219 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817220 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.7968

Exhibit M-1Page 22


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




17221 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817222 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817223 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928617224 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817225 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817228 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928617229 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928617231 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817232 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817233 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928617235 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817236 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817237 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817238 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928617239 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017240 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817241 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817243 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017244 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817246 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817247 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817249 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017250 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817251 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817252 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817253 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017254 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817255 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017256 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817257 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817260 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017261 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817262 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817263 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817264 350 0.9849 0.6200 0.6106 1.0140 0.6500 0.6591 0.9668 0.7900 0.7638 1.0388 0.6200 0.6441 1.0236 1.5100 1.5456 1.0318 0.8500 0.877017265 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817266 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817267 370 0.9683 0.5600 0.5423 0.9732 0.7600 0.7396 0.9668 0.7800 0.7541 1.0388 0.5600 0.5817 0.9639 1.8800 1.8122 1.0318 0.9000 0.928617268 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817271 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817272 380 1.0034 0.7900 0.7927 0.9732 0.8300 0.8078 0.9668 0.6900 0.6671 0.9783 0.7900 0.7729 0.9639 0.8500 0.8194 0.9717 0.8200 0.796817301 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617302 531 0.9683 1.0500 1.0168 0.9732 1.0100 0.9830 1.0266 0.6500 0.6673 0.9783 1.0500 1.0272 1.0236 0.6900 0.7063 1.0318 1.0000 1.031817303 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617304 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617306 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617307 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617309 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917310 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617311 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917312 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917313 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.8065

Exhibit M-1Page 23


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




17314 531 0.9683 1.0500 1.0168 0.9732 1.0100 0.9830 1.0266 0.6500 0.6673 0.9783 1.0500 1.0272 1.0236 0.6900 0.7063 1.0318 1.0000 1.031817315 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517316 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617317 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917318 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517319 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517320 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617321 531 0.9683 1.0500 1.0168 0.9732 1.0100 0.9830 1.0266 0.6500 0.6673 0.9783 1.0500 1.0272 1.0236 0.6900 0.7063 1.0318 1.0000 1.031817322 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917323 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917324 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817325 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617327 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917329 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917331 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917332 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517333 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517337 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617339 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517340 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617342 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917343 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617344 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917345 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517347 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517349 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917350 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617352 531 0.9683 1.0500 1.0168 0.9732 1.0100 0.9830 1.0266 0.6500 0.6673 0.9783 1.0500 1.0272 1.0236 0.6900 0.7063 1.0318 1.0000 1.031817353 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617354 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517355 531 0.9683 1.0500 1.0168 0.9732 1.0100 0.9830 1.0266 0.6500 0.6673 0.9783 1.0500 1.0272 1.0236 0.6900 0.7063 1.0318 1.0000 1.031817356 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917358 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517360 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917361 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917362 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917363 531 0.9683 1.0500 1.0168 0.9732 1.0100 0.9830 1.0266 0.6500 0.6673 0.9783 1.0500 1.0272 1.0236 0.6900 0.7063 1.0318 1.0000 1.031817364 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917365 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517366 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917368 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917370 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517371 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917372 390 1.0282 0.7600 0.7815 1.0095 0.7900 0.7975 1.0266 0.6500 0.6673 0.9783 0.7600 0.7435 1.0236 0.8000 0.8189 1.0202 0.8200 0.836617375 402 1.0282 0.6800 0.6992 1.0334 0.7600 0.7854 1.0205 0.6200 0.6327 1.0388 0.6800 0.7064 1.0236 0.6800 0.6960 1.0318 0.7800 0.804817401 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917402 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517403 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.893917404 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917405 531 0.9683 1.0500 1.0168 0.9732 1.0100 0.9830 1.0266 0.6500 0.6673 0.9783 1.0500 1.0272 1.0236 0.6900 0.7063 1.0318 1.0000 1.031817406 533 0.9683 0.7900 0.7650 0.9732 0.8700 0.8467 0.9876 0.6600 0.6518 0.9783 0.7900 0.7729 0.9918 0.7200 0.7141 0.9717 0.8500 0.825917407 532 1.0156 0.9000 0.9140 1.0006 0.9400 0.9406 1.0266 0.6500 0.6673 0.9783 0.9000 0.8805 1.0236 0.7500 0.7677 0.9717 0.9200 0.8939

Exhibit M-1Page 24


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




17408 534 0.9683 0.7400 0.7166 0.9778 0.8500 0.8311 1.0266 0.6500 0.6673 0.9783 0.7400 0.7240 1.0059 0.7300 0.7343 0.9717 0.8300 0.806517501 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917502 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917503 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917504 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917505 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817506 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917507 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817508 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817509 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717512 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917516 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817517 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917518 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717519 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817520 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817521 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917522 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917527 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717528 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717529 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817532 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717533 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917534 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717535 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717536 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717537 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817538 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917540 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817543 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917545 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917547 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917550 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817551 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817552 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917554 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917555 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817557 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817560 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817562 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817563 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717564 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917565 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717566 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817567 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917568 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917569 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917570 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917572 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817575 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917576 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917578 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.8259

Exhibit M-1Page 25


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




17579 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817580 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917581 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817582 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817583 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917584 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817585 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917601 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817602 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717603 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717604 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817605 551 1.0282 0.9500 0.9768 1.0009 1.0200 1.0209 1.0266 0.5800 0.5954 0.9783 0.9500 0.9294 1.0236 0.7200 0.7370 0.9717 1.0000 0.971717606 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917607 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817608 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825917611 552 1.0075 0.7900 0.7960 0.9825 0.9300 0.9138 1.0266 0.5900 0.6057 0.9783 0.7900 0.7729 1.0236 0.6100 0.6244 0.9717 0.8900 0.864817701 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917702 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917703 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917705 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917720 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917721 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317723 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917724 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856417726 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317727 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917728 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917729 250 1.0184 0.5900 0.6009 0.9732 0.6600 0.6423 1.0266 0.5400 0.5544 1.0388 0.5900 0.6129 1.0236 1.3900 1.4228 1.0318 0.8100 0.835717730 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.887317731 480 0.9683 0.7100 0.6875 1.0334 0.5600 0.5787 0.9668 0.6700 0.6477 1.0079 0.7100 0.7156 0.9639 1.7600 1.6965 1.0318 0.9000 0.928617735 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856417737 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917739 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917740 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917742 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917744 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917745 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317747 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317748 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317749 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117750 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317751 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317752 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917754 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917756 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917758 480 0.9683 0.7100 0.6875 1.0334 0.5600 0.5787 0.9668 0.6700 0.6477 1.0079 0.7100 0.7156 0.9639 1.7600 1.6965 1.0318 0.9000 0.928617760 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317762 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917763 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917764 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317765 290 0.9797 0.6800 0.6662 0.9866 0.5900 0.5821 1.0266 0.6200 0.6365 1.0154 0.6800 0.6905 1.0236 1.5500 1.5865 1.0318 0.7800 0.804817768 480 0.9683 0.7100 0.6875 1.0334 0.5600 0.5787 0.9668 0.6700 0.6477 1.0079 0.7100 0.7156 0.9639 1.7600 1.6965 1.0318 0.9000 0.9286

Exhibit M-1Page 26


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




17769 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917771 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917772 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117774 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917776 470 1.0282 0.6500 0.6684 0.9732 0.7300 0.7104 1.0266 0.6100 0.6262 1.0388 0.6500 0.6752 1.0129 1.0800 1.0939 1.0096 0.8200 0.827917777 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117778 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317779 310 0.9683 0.6200 0.6004 0.9732 0.6800 0.6618 1.0247 0.6200 0.6353 1.0388 0.6200 0.6441 1.0236 0.9500 0.9724 1.0237 0.7700 0.788317801 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117810 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917812 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817813 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817814 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821617815 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821617820 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821617821 500 0.9683 0.7700 0.7456 1.0334 0.7100 0.7337 0.9668 0.6600 0.6381 0.9783 0.7700 0.7533 1.0236 0.9500 0.9724 1.0318 0.8200 0.846017823 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117824 500 0.9683 0.7700 0.7456 1.0334 0.7100 0.7337 0.9668 0.6600 0.6381 0.9783 0.7700 0.7533 1.0236 0.9500 0.9724 1.0318 0.8200 0.846017827 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817829 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917830 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117831 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817832 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.887317833 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817834 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.887317835 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917836 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117837 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917840 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117841 440 0.9683 0.5800 0.5616 0.9732 0.7000 0.6813 1.0266 0.6200 0.6365 1.0388 0.5800 0.6025 1.0236 0.9400 0.9622 1.0318 0.7700 0.794517842 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817843 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817844 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917845 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917846 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821617847 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117850 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.887317851 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.887317853 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817855 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917856 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917857 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117858 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821617859 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821617860 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.887317861 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817862 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817864 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817865 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117866 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.887317867 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117868 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.8873

Exhibit M-1Page 27


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




17870 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817872 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.887317876 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817877 512 0.9683 0.7700 0.7456 0.9732 0.7300 0.7104 0.9668 0.7300 0.7058 0.9783 0.7700 0.7533 1.0236 0.9600 0.9826 1.0318 0.7900 0.815117878 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821617880 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917881 511 1.0282 0.7300 0.7506 1.0290 0.7800 0.8026 0.9668 0.9400 0.9088 1.0310 0.7300 0.7526 0.9639 1.0000 0.9639 1.0318 0.8600 0.887317882 420 0.9683 0.5900 0.5713 1.0334 0.6900 0.7131 1.0266 0.5800 0.5954 1.0388 0.5900 0.6129 0.9639 0.9200 0.8868 1.0318 0.7800 0.804817883 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917884 500 0.9683 0.7700 0.7456 1.0334 0.7100 0.7337 0.9668 0.6600 0.6381 0.9783 0.7700 0.7533 1.0236 0.9500 0.9724 1.0318 0.8200 0.846017885 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917886 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917887 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917888 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821617889 460 0.9683 0.6700 0.6488 1.0334 0.7000 0.7234 1.0200 0.5700 0.5814 0.9943 0.6700 0.6662 1.0236 0.8900 0.9110 0.9717 0.7800 0.757917901 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317920 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821617921 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317922 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317923 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317925 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317929 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317930 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317931 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317933 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317934 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317935 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317936 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317938 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317941 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317942 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317943 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317944 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317945 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317946 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317948 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317949 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317951 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317952 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317953 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317954 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317957 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317959 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317960 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317961 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317963 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317964 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317965 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317966 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317967 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317968 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317970 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.8873

Exhibit M-1Page 28


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




17972 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317974 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317976 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317978 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317979 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317980 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317981 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317982 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317983 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887317985 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318001 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118011 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918318012 672 0.9683 0.8200 0.7940 1.0137 0.7600 0.7704 1.0266 0.9000 0.9239 1.0061 0.8200 0.8250 0.9639 1.1700 1.1278 1.0318 0.8700 0.897618013 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418014 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418015 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418016 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418017 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418018 642 0.9949 1.0100 1.0049 0.9886 1.0400 1.0282 1.0266 0.6900 0.7083 0.9783 1.0100 0.9881 0.9639 0.8800 0.8483 0.9717 1.0200 0.991118020 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418030 672 0.9683 0.8200 0.7940 1.0137 0.7600 0.7704 1.0266 0.9000 0.9239 1.0061 0.8200 0.8250 0.9639 1.1700 1.1278 1.0318 0.8700 0.897618031 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118032 642 0.9949 1.0100 1.0049 0.9886 1.0400 1.0282 1.0266 0.6900 0.7083 0.9783 1.0100 0.9881 0.9639 0.8800 0.8483 0.9717 1.0200 0.991118034 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718035 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418036 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718037 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418038 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418039 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018040 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418041 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818042 661 1.0282 0.8600 0.8843 1.0053 1.0200 1.0254 1.0266 0.5400 0.5544 0.9783 0.8600 0.8413 0.9639 0.9500 0.9157 0.9717 1.0500 1.020218043 661 1.0282 0.8600 0.8843 1.0053 1.0200 1.0254 1.0266 0.5400 0.5544 0.9783 0.8600 0.8413 0.9639 0.9500 0.9157 0.9717 1.0500 1.020218044 661 1.0282 0.8600 0.8843 1.0053 1.0200 1.0254 1.0266 0.5400 0.5544 0.9783 0.8600 0.8413 0.9639 0.9500 0.9157 0.9717 1.0500 1.020218045 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418046 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118049 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118051 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118052 642 0.9949 1.0100 1.0049 0.9886 1.0400 1.0282 1.0266 0.6900 0.7083 0.9783 1.0100 0.9881 0.9639 0.8800 0.8483 0.9717 1.0200 0.991118053 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718054 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818055 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418056 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918318058 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218059 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418060 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718062 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118063 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418064 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418065 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718066 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118067 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.9134

Exhibit M-1Page 29


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




18068 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718069 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718070 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818071 672 0.9683 0.8200 0.7940 1.0137 0.7600 0.7704 1.0266 0.9000 0.9239 1.0061 0.8200 0.8250 0.9639 1.1700 1.1278 1.0318 0.8700 0.897618072 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418073 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818074 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818076 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818077 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018078 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718079 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118080 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718081 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018083 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418084 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818085 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418086 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418087 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118088 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418091 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418092 643 0.9683 0.9300 0.9006 1.0334 0.9500 0.9817 1.0266 0.7300 0.7494 0.9783 0.9300 0.9098 1.0236 0.9000 0.9212 0.9997 0.9500 0.949718101 641 0.9683 1.2500 1.2104 1.0257 1.1600 1.1898 1.0266 0.7300 0.7494 0.9783 1.2500 1.2229 1.0236 1.0500 1.0747 1.0229 1.2300 1.258218102 641 0.9683 1.2500 1.2104 1.0257 1.1600 1.1898 1.0266 0.7300 0.7494 0.9783 1.2500 1.2229 1.0236 1.0500 1.0747 1.0229 1.2300 1.258218103 642 0.9949 1.0100 1.0049 0.9886 1.0400 1.0282 1.0266 0.6900 0.7083 0.9783 1.0100 0.9881 0.9639 0.8800 0.8483 0.9717 1.0200 0.991118104 642 0.9949 1.0100 1.0049 0.9886 1.0400 1.0282 1.0266 0.6900 0.7083 0.9783 1.0100 0.9881 0.9639 0.8800 0.8483 0.9717 1.0200 0.991118105 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118106 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118109 642 0.9949 1.0100 1.0049 0.9886 1.0400 1.0282 1.0266 0.6900 0.7083 0.9783 1.0100 0.9881 0.9639 0.8800 0.8483 0.9717 1.0200 0.991118195 644 1.0282 0.7700 0.7917 0.9866 0.9400 0.9274 1.0266 0.7000 0.7186 0.9783 0.7700 0.7533 0.9639 0.9000 0.8675 0.9831 0.9400 0.924118201 671 0.9747 1.0900 1.0624 1.0309 0.8500 0.8763 1.0266 0.9200 0.9445 0.9783 1.0900 1.0664 0.9639 1.2400 1.1953 0.9943 1.0300 1.024218202 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618210 671 0.9747 1.0900 1.0624 1.0309 0.8500 0.8763 1.0266 0.9200 0.9445 0.9783 1.0900 1.0664 0.9639 1.2400 1.1953 0.9943 1.0300 1.024218211 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318212 672 0.9683 0.8200 0.7940 1.0137 0.7600 0.7704 1.0266 0.9000 0.9239 1.0061 0.8200 0.8250 0.9639 1.1700 1.1278 1.0318 0.8700 0.897618214 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318216 671 0.9747 1.0900 1.0624 1.0309 0.8500 0.8763 1.0266 0.9200 0.9445 0.9783 1.0900 1.0664 0.9639 1.2400 1.1953 0.9943 1.0300 1.024218218 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318219 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618220 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318221 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618222 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618223 671 0.9747 1.0900 1.0624 1.0309 0.8500 0.8763 1.0266 0.9200 0.9445 0.9783 1.0900 1.0664 0.9639 1.2400 1.1953 0.9943 1.0300 1.024218224 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618225 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618229 671 0.9747 1.0900 1.0624 1.0309 0.8500 0.8763 1.0266 0.9200 0.9445 0.9783 1.0900 1.0664 0.9639 1.2400 1.1953 0.9943 1.0300 1.024218230 671 0.9747 1.0900 1.0624 1.0309 0.8500 0.8763 1.0266 0.9200 0.9445 0.9783 1.0900 1.0664 0.9639 1.2400 1.1953 0.9943 1.0300 1.024218231 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318232 672 0.9683 0.8200 0.7940 1.0137 0.7600 0.7704 1.0266 0.9000 0.9239 1.0061 0.8200 0.8250 0.9639 1.1700 1.1278 1.0318 0.8700 0.897618234 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618235 672 0.9683 0.8200 0.7940 1.0137 0.7600 0.7704 1.0266 0.9000 0.9239 1.0061 0.8200 0.8250 0.9639 1.1700 1.1278 1.0318 0.8700 0.897618237 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318239 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.8676

Exhibit M-1Page 30


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




18240 671 0.9747 1.0900 1.0624 1.0309 0.8500 0.8763 1.0266 0.9200 0.9445 0.9783 1.0900 1.0664 0.9639 1.2400 1.1953 0.9943 1.0300 1.024218241 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318242 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318244 672 0.9683 0.8200 0.7940 1.0137 0.7600 0.7704 1.0266 0.9000 0.9239 1.0061 0.8200 0.8250 0.9639 1.1700 1.1278 1.0318 0.8700 0.897618245 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318246 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618247 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618248 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318249 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618250 672 0.9683 0.8200 0.7940 1.0137 0.7600 0.7704 1.0266 0.9000 0.9239 1.0061 0.8200 0.8250 0.9639 1.1700 1.1278 1.0318 0.8700 0.897618251 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618252 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887318254 672 0.9683 0.8200 0.7940 1.0137 0.7600 0.7704 1.0266 0.9000 0.9239 1.0061 0.8200 0.8250 0.9639 1.1700 1.1278 1.0318 0.8700 0.897618255 671 0.9747 1.0900 1.0624 1.0309 0.8500 0.8763 1.0266 0.9200 0.9445 0.9783 1.0900 1.0664 0.9639 1.2400 1.1953 0.9943 1.0300 1.024218256 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618301 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918302 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918320 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218321 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218322 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218323 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218324 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518325 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518326 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918327 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918328 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518330 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218331 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218332 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918333 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218334 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918335 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218336 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518337 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518340 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518341 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218342 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218343 662 0.9683 0.9400 0.9102 1.0016 0.9500 0.9516 1.0266 0.6600 0.6775 0.9783 0.9400 0.9196 0.9808 0.8400 0.8239 0.9717 0.9400 0.913418344 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918346 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918347 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218348 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218349 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218350 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218351 661 1.0282 0.8600 0.8843 1.0053 1.0200 1.0254 1.0266 0.5400 0.5544 0.9783 0.8600 0.8413 0.9639 0.9500 0.9157 0.9717 1.0500 1.020218352 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218353 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218354 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218355 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218356 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918357 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218360 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.1452

Exhibit M-1Page 31


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




18370 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918371 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518372 692 0.9683 1.2100 1.1717 1.0041 0.9500 0.9539 1.0266 1.0500 1.0779 0.9783 1.2100 1.1838 1.0236 1.1000 1.1259 1.0318 1.1100 1.145218401 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218403 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618405 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218407 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618410 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618411 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618413 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218414 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618415 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218416 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618417 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218419 700 0.9683 0.8800 0.8521 0.9857 0.7400 0.7294 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 1.3600 1.3921 1.0318 0.9100 0.938918420 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618421 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218424 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618425 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518426 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518427 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218428 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518430 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218431 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218433 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618434 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618435 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518436 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218437 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218438 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218439 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218440 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618441 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218443 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218444 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618445 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218446 700 0.9683 0.8800 0.8521 0.9857 0.7400 0.7294 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 1.3600 1.3921 1.0318 0.9100 0.938918447 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618449 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218451 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518452 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618453 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218454 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218455 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218456 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218457 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518458 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518459 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218460 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218461 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218462 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218463 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.9492

Exhibit M-1Page 32


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




18464 720 1.0282 1.1500 1.1825 1.0284 0.9200 0.9461 1.0266 0.8700 0.8931 0.9783 1.1500 1.1251 0.9924 1.4200 1.4092 1.0318 1.1500 1.186518465 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218466 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918469 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218470 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218471 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618472 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218473 730 0.9683 0.9800 0.9490 1.0334 0.7700 0.7957 1.0266 0.6600 0.6775 0.9783 0.9800 0.9587 0.9639 1.3400 1.2917 1.0318 0.9200 0.949218501 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618502 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618503 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618504 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618505 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618507 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618508 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618509 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618510 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618512 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618515 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618517 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618518 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618519 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618540 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618601 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618603 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821618610 691 0.9769 1.3100 1.2798 0.9836 1.0300 1.0131 1.0266 1.0200 1.0471 0.9783 1.3100 1.2816 1.0236 1.1100 1.1362 0.9960 1.2900 1.284918611 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618612 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618614 480 0.9683 0.7100 0.6875 1.0334 0.5600 0.5787 0.9668 0.6700 0.6477 1.0079 0.7100 0.7156 0.9639 1.7600 1.6965 1.0318 0.9000 0.928618615 700 0.9683 0.8800 0.8521 0.9857 0.7400 0.7294 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 1.3600 1.3921 1.0318 0.9100 0.938918616 480 0.9683 0.7100 0.6875 1.0334 0.5600 0.5787 0.9668 0.6700 0.6477 1.0079 0.7100 0.7156 0.9639 1.7600 1.6965 1.0318 0.9000 0.928618617 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618618 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618619 480 0.9683 0.7100 0.6875 1.0334 0.5600 0.5787 0.9668 0.6700 0.6477 1.0079 0.7100 0.7156 0.9639 1.7600 1.6965 1.0318 0.9000 0.928618621 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618622 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618623 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418624 671 0.9747 1.0900 1.0624 1.0309 0.8500 0.8763 1.0266 0.9200 0.9445 0.9783 1.0900 1.0664 0.9639 1.2400 1.1953 0.9943 1.0300 1.024218625 700 0.9683 0.8800 0.8521 0.9857 0.7400 0.7294 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 1.3600 1.3921 1.0318 0.9100 0.938918626 480 0.9683 0.7100 0.6875 1.0334 0.5600 0.5787 0.9668 0.6700 0.6477 1.0079 0.7100 0.7156 0.9639 1.7600 1.6965 1.0318 0.9000 0.928618627 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618628 480 0.9683 0.7100 0.6875 1.0334 0.5600 0.5787 0.9668 0.6700 0.6477 1.0079 0.7100 0.7156 0.9639 1.7600 1.6965 1.0318 0.9000 0.928618629 700 0.9683 0.8800 0.8521 0.9857 0.7400 0.7294 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 1.3600 1.3921 1.0318 0.9100 0.938918630 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218631 490 0.9683 0.7400 0.7166 1.0217 0.7100 0.7254 0.9668 0.7400 0.7154 1.0045 0.7400 0.7433 1.0236 1.1200 1.1464 1.0019 0.8200 0.821618632 480 0.9683 0.7100 0.6875 1.0334 0.5600 0.5787 0.9668 0.6700 0.6477 1.0079 0.7100 0.7156 0.9639 1.7600 1.6965 1.0318 0.9000 0.928618634 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618635 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618636 700 0.9683 0.8800 0.8521 0.9857 0.7400 0.7294 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 1.3600 1.3921 1.0318 0.9100 0.938918640 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618641 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618642 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.8676

Exhibit M-1Page 33


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




18643 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618644 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618651 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618653 710 0.9973 0.9800 0.9773 0.9753 0.9000 0.8777 1.0266 0.8600 0.8829 0.9783 0.9800 0.9587 1.0236 0.8300 0.8496 0.9717 0.9300 0.903618654 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618655 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618656 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618657 700 0.9683 0.8800 0.8521 0.9857 0.7400 0.7294 1.0266 0.6900 0.7083 0.9783 0.8800 0.8609 1.0236 1.3600 1.3921 1.0318 0.9100 0.938918660 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618661 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618701 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618702 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618703 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618704 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618705 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618706 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618707 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618708 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618709 682 0.9831 0.9900 0.9733 1.0074 0.7900 0.7958 1.0266 0.9300 0.9547 0.9783 0.9900 0.9685 1.0030 0.8900 0.8927 0.9859 0.8800 0.867618711 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618773 681 0.9683 1.0300 0.9974 0.9912 0.8600 0.8525 1.0073 0.9700 0.9771 0.9783 1.0300 1.0077 1.0236 0.8700 0.8905 0.9717 0.9300 0.903618801 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218810 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418812 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218813 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218814 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418815 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418816 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218817 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418818 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218820 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218821 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218822 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218823 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218824 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218825 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218826 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218827 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218828 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218829 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418830 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218831 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418832 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418833 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418834 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218837 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418840 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418842 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218843 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218844 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218845 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418846 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.8564

Exhibit M-1Page 34


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




18847 740 1.0066 0.7800 0.7852 0.9732 0.7300 0.7104 1.0266 0.6500 0.6673 1.0388 0.7800 0.8103 1.0236 1.6800 1.7196 1.0318 0.9500 0.980218848 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418850 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418851 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418853 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418854 300 0.9683 0.7000 0.6778 0.9897 0.6600 0.6532 1.0266 0.5400 0.5544 1.0388 0.7000 0.7272 1.0236 1.5300 1.5661 1.0318 0.8300 0.856418901 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618902 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618910 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618911 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618912 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318913 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318914 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618915 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000818916 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018917 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018918 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818920 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618921 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018922 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018923 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018924 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000818925 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318927 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018928 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618929 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318930 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018931 632 1.0282 1.4000 1.4395 0.9732 1.2700 1.2360 0.9679 1.6700 1.6163 1.0388 1.4000 1.4544 0.9639 0.8200 0.7904 0.9717 1.1100 1.078518932 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018933 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618934 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018935 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018936 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000818938 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318940 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318942 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618943 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618944 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018946 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618947 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618949 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618950 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618951 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018953 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018954 632 1.0282 1.4000 1.4395 0.9732 1.2700 1.2360 0.9679 1.6700 1.6163 1.0388 1.4000 1.4544 0.9639 0.8200 0.7904 0.9717 1.1100 1.078518955 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018956 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618957 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818958 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818960 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018962 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018963 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.0166

Exhibit M-1Page 35


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




18964 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818966 632 1.0282 1.4000 1.4395 0.9732 1.2700 1.2360 0.9679 1.6700 1.6163 1.0388 1.4000 1.4544 0.9639 0.8200 0.7904 0.9717 1.1100 1.078518968 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318969 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818970 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016618971 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000818972 635 1.0282 0.8300 0.8534 1.0334 0.9900 1.0231 1.0266 0.9700 0.9958 1.0388 0.8300 0.8622 0.9723 0.9800 0.9529 1.0178 0.9500 0.967018974 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318976 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318977 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318979 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093718980 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083318981 634 1.0282 1.0300 1.0591 1.0031 1.1100 1.1135 1.0266 0.9800 1.0061 1.0388 1.0300 1.0700 1.0236 0.9100 0.9314 1.0166 1.0000 1.016619001 603 1.0282 1.3000 1.3367 0.9995 1.2900 1.2894 1.0266 1.2900 1.3243 0.9783 1.3000 1.2718 1.0236 0.7900 0.8086 0.9750 1.1200 1.092019002 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093719003 614 1.0216 1.3500 1.3792 1.0083 1.3000 1.3107 0.9668 1.5300 1.4792 0.9783 1.3500 1.3207 1.0236 0.8400 0.8598 0.9773 1.1200 1.094619004 601 1.0217 1.9100 1.9514 1.0231 1.4100 1.4426 1.0266 1.8000 1.8479 0.9783 1.9100 1.8686 1.0236 0.8100 0.8291 0.9717 1.2600 1.224319006 601 1.0217 1.9100 1.9514 1.0231 1.4100 1.4426 1.0266 1.8000 1.8479 0.9783 1.9100 1.8686 1.0236 0.8100 0.8291 0.9717 1.2600 1.224319007 632 1.0282 1.4000 1.4395 0.9732 1.2700 1.2360 0.9679 1.6700 1.6163 1.0388 1.4000 1.4544 0.9639 0.8200 0.7904 0.9717 1.1100 1.078519008 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319009 603 1.0282 1.3000 1.3367 0.9995 1.2900 1.2894 1.0266 1.2900 1.3243 0.9783 1.3000 1.2718 1.0236 0.7900 0.8086 0.9750 1.1200 1.092019010 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319012 601 1.0217 1.9100 1.9514 1.0231 1.4100 1.4426 1.0266 1.8000 1.8479 0.9783 1.9100 1.8686 1.0236 0.8100 0.8291 0.9717 1.2600 1.224319013 611 1.0057 2.0800 2.0919 1.0334 1.4400 1.4881 1.0266 2.4300 2.4946 1.0388 2.0800 2.1608 0.9639 1.6700 1.6098 1.0318 1.4100 1.454819014 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319015 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319016 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319017 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319018 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519020 631 1.0282 1.6400 1.6863 1.0047 1.3600 1.3664 1.0266 1.8400 1.8889 1.0388 1.6400 1.7037 0.9959 0.8500 0.8465 0.9717 1.2200 1.185419021 631 1.0282 1.6400 1.6863 1.0047 1.3600 1.3664 1.0266 1.8400 1.8889 1.0388 1.6400 1.7037 0.9959 0.8500 0.8465 0.9717 1.2200 1.185419022 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519023 611 1.0057 2.0800 2.0919 1.0334 1.4400 1.4881 1.0266 2.4300 2.4946 1.0388 2.0800 2.1608 0.9639 1.6700 1.6098 1.0318 1.4100 1.454819025 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093719026 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519027 601 1.0217 1.9100 1.9514 1.0231 1.4100 1.4426 1.0266 1.8000 1.8479 0.9783 1.9100 1.8686 1.0236 0.8100 0.8291 0.9717 1.2600 1.224319028 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519029 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519030 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083319031 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819032 611 1.0057 2.0800 2.0919 1.0334 1.4400 1.4881 1.0266 2.4300 2.4946 1.0388 2.0800 2.1608 0.9639 1.6700 1.6098 1.0318 1.4100 1.454819033 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319034 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819035 602 1.0282 1.3900 1.4293 1.0334 1.4200 1.4675 0.9668 1.6100 1.5565 0.9783 1.3900 1.3599 1.0236 0.8300 0.8496 0.9930 1.2600 1.251219036 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519037 614 1.0216 1.3500 1.3792 1.0083 1.3000 1.3107 0.9668 1.5300 1.4792 0.9783 1.3500 1.3207 1.0236 0.8400 0.8598 0.9773 1.1200 1.094619038 603 1.0282 1.3000 1.3367 0.9995 1.2900 1.2894 1.0266 1.2900 1.3243 0.9783 1.3000 1.2718 1.0236 0.7900 0.8086 0.9750 1.1200 1.092019039 614 1.0216 1.3500 1.3792 1.0083 1.3000 1.3107 0.9668 1.5300 1.4792 0.9783 1.3500 1.3207 1.0236 0.8400 0.8598 0.9773 1.1200 1.094619040 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819041 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319043 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519044 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.0937

Exhibit M-1Page 36


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




19046 601 1.0217 1.9100 1.9514 1.0231 1.4100 1.4426 1.0266 1.8000 1.8479 0.9783 1.9100 1.8686 1.0236 0.8100 0.8291 0.9717 1.2600 1.224319047 632 1.0282 1.4000 1.4395 0.9732 1.2700 1.2360 0.9679 1.6700 1.6163 1.0388 1.4000 1.4544 0.9639 0.8200 0.7904 0.9717 1.1100 1.078519050 611 1.0057 2.0800 2.0919 1.0334 1.4400 1.4881 1.0266 2.4300 2.4946 1.0388 2.0800 2.1608 0.9639 1.6700 1.6098 1.0318 1.4100 1.454819052 614 1.0216 1.3500 1.3792 1.0083 1.3000 1.3107 0.9668 1.5300 1.4792 0.9783 1.3500 1.3207 1.0236 0.8400 0.8598 0.9773 1.1200 1.094619053 631 1.0282 1.6400 1.6863 1.0047 1.3600 1.3664 1.0266 1.8400 1.8889 1.0388 1.6400 1.7037 0.9959 0.8500 0.8465 0.9717 1.2200 1.185419054 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083319055 632 1.0282 1.4000 1.4395 0.9732 1.2700 1.2360 0.9679 1.6700 1.6163 1.0388 1.4000 1.4544 0.9639 0.8200 0.7904 0.9717 1.1100 1.078519056 632 1.0282 1.4000 1.4395 0.9732 1.2700 1.2360 0.9679 1.6700 1.6163 1.0388 1.4000 1.4544 0.9639 0.8200 0.7904 0.9717 1.1100 1.078519057 632 1.0282 1.4000 1.4395 0.9732 1.2700 1.2360 0.9679 1.6700 1.6163 1.0388 1.4000 1.4544 0.9639 0.8200 0.7904 0.9717 1.1100 1.078519058 632 1.0282 1.4000 1.4395 0.9732 1.2700 1.2360 0.9679 1.6700 1.6163 1.0388 1.4000 1.4544 0.9639 0.8200 0.7904 0.9717 1.1100 1.078519060 615 0.9972 1.2300 1.2266 1.0312 1.2200 1.2581 0.9668 1.2900 1.2472 0.9783 1.2300 1.2033 0.9744 1.0000 0.9744 1.0064 1.1100 1.117119061 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319063 614 1.0216 1.3500 1.3792 1.0083 1.3000 1.3107 0.9668 1.5300 1.4792 0.9783 1.3500 1.3207 1.0236 0.8400 0.8598 0.9773 1.1200 1.094619064 614 1.0216 1.3500 1.3792 1.0083 1.3000 1.3107 0.9668 1.5300 1.4792 0.9783 1.3500 1.3207 1.0236 0.8400 0.8598 0.9773 1.1200 1.094619065 615 0.9972 1.2300 1.2266 1.0312 1.2200 1.2581 0.9668 1.2900 1.2472 0.9783 1.2300 1.2033 0.9744 1.0000 0.9744 1.0064 1.1100 1.117119066 602 1.0282 1.3900 1.4293 1.0334 1.4200 1.4675 0.9668 1.6100 1.5565 0.9783 1.3900 1.3599 1.0236 0.8300 0.8496 0.9930 1.2600 1.251219067 633 1.0282 1.1700 1.2030 0.9732 1.1800 1.1484 1.0266 1.2000 1.2319 0.9880 1.1700 1.1559 0.9920 0.8700 0.8630 1.0318 1.0500 1.083319070 614 1.0216 1.3500 1.3792 1.0083 1.3000 1.3107 0.9668 1.5300 1.4792 0.9783 1.3500 1.3207 1.0236 0.8400 0.8598 0.9773 1.1200 1.094619072 602 1.0282 1.3900 1.4293 1.0334 1.4200 1.4675 0.9668 1.6100 1.5565 0.9783 1.3900 1.3599 1.0236 0.8300 0.8496 0.9930 1.2600 1.251219073 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319074 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519075 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819076 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519078 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319079 611 1.0057 2.0800 2.0919 1.0334 1.4400 1.4881 1.0266 2.4300 2.4946 1.0388 2.0800 2.1608 0.9639 1.6700 1.6098 1.0318 1.4100 1.454819081 614 1.0216 1.3500 1.3792 1.0083 1.3000 1.3107 0.9668 1.5300 1.4792 0.9783 1.3500 1.3207 1.0236 0.8400 0.8598 0.9773 1.1200 1.094619082 611 1.0057 2.0800 2.0919 1.0334 1.4400 1.4881 1.0266 2.4300 2.4946 1.0388 2.0800 2.1608 0.9639 1.6700 1.6098 1.0318 1.4100 1.454819083 615 0.9972 1.2300 1.2266 1.0312 1.2200 1.2581 0.9668 1.2900 1.2472 0.9783 1.2300 1.2033 0.9744 1.0000 0.9744 1.0064 1.1100 1.117119085 613 0.9763 1.3800 1.3472 0.9873 1.3200 1.3032 0.9668 1.6300 1.5759 0.9783 1.3800 1.3501 0.9669 0.9300 0.8993 1.0003 1.1600 1.160319086 614 1.0216 1.3500 1.3792 1.0083 1.3000 1.3107 0.9668 1.5300 1.4792 0.9783 1.3500 1.3207 1.0236 0.8400 0.8598 0.9773 1.1200 1.094619087 561 1.0282 1.0900 1.1208 0.9930 1.2200 1.2115 0.9668 1.1200 1.0828 0.9783 1.0900 1.0664 1.0236 0.9100 0.9314 1.0013 1.1200 1.121419090 603 1.0282 1.3000 1.3367 0.9995 1.2900 1.2894 1.0266 1.2900 1.3243 0.9783 1.3000 1.2718 1.0236 0.7900 0.8086 0.9750 1.1200 1.092019094 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519095 601 1.0217 1.9100 1.9514 1.0231 1.4100 1.4426 1.0266 1.8000 1.8479 0.9783 1.9100 1.8686 1.0236 0.8100 0.8291 0.9717 1.2600 1.224319096 602 1.0282 1.3900 1.4293 1.0334 1.4200 1.4675 0.9668 1.6100 1.5565 0.9783 1.3900 1.3599 1.0236 0.8300 0.8496 0.9930 1.2600 1.251219101 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619102 627 0.9683 1.6400 1.5881 1.0011 1.3500 1.3515 0.9668 2.9400 2.8423 1.0388 1.6400 1.7037 1.0121 1.0100 1.0222 0.9717 1.2800 1.243719103 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619104 622 0.9901 2.5400 2.5149 1.0334 1.4000 1.4468 0.9976 3.4300 3.4217 1.0388 2.5400 2.6386 0.9639 2.3300 2.2460 1.0059 1.7600 1.770319105 624 1.0282 1.9500 2.0051 1.0334 1.2700 1.3124 0.9668 3.2900 3.1807 1.0388 1.9500 2.0257 0.9639 2.2000 2.1207 0.9922 1.6400 1.627319106 627 0.9683 1.6400 1.5881 1.0011 1.3500 1.3515 0.9668 2.9400 2.8423 1.0388 1.6400 1.7037 1.0121 1.0100 1.0222 0.9717 1.2800 1.243719107 627 0.9683 1.6400 1.5881 1.0011 1.3500 1.3515 0.9668 2.9400 2.8423 1.0388 1.6400 1.7037 1.0121 1.0100 1.0222 0.9717 1.2800 1.243719108 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619109 627 0.9683 1.6400 1.5881 1.0011 1.3500 1.3515 0.9668 2.9400 2.8423 1.0388 1.6400 1.7037 1.0121 1.0100 1.0222 0.9717 1.2800 1.243719110 627 0.9683 1.6400 1.5881 1.0011 1.3500 1.3515 0.9668 2.9400 2.8423 1.0388 1.6400 1.7037 1.0121 1.0100 1.0222 0.9717 1.2800 1.243719111 625 1.0282 2.1400 2.2004 0.9895 1.5100 1.4942 0.9668 3.9400 3.8091 1.0388 2.1400 2.2231 0.9639 1.2100 1.1664 0.9844 1.4800 1.456919112 624 1.0282 1.9500 2.0051 1.0334 1.2700 1.3124 0.9668 3.2900 3.1807 1.0388 1.9500 2.0257 0.9639 2.2000 2.1207 0.9922 1.6400 1.627319113 612 0.9987 1.4700 1.4682 1.0334 1.3200 1.3641 0.9668 1.8300 1.7692 0.9871 1.4700 1.4511 0.9718 0.8900 0.8649 1.0046 1.2100 1.215519114 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619115 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619116 625 1.0282 2.1400 2.2004 0.9895 1.5100 1.4942 0.9668 3.9400 3.8091 1.0388 2.1400 2.2231 0.9639 1.2100 1.1664 0.9844 1.4800 1.456919118 627 0.9683 1.6400 1.5881 1.0011 1.3500 1.3515 0.9668 2.9400 2.8423 1.0388 1.6400 1.7037 1.0121 1.0100 1.0222 0.9717 1.2800 1.2437

Exhibit M-1Page 37


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




19119 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619120 628 0.9697 2.7600 2.6763 1.0334 1.5100 1.5605 0.9668 3.8600 3.7318 1.0388 2.7600 2.8672 0.9639 2.6300 2.5352 1.0318 1.9000 1.960319121 621 0.9683 2.8900 2.7985 1.0334 1.4000 1.4468 1.0075 3.9900 4.0201 1.0388 2.8900 3.0022 0.9639 2.8600 2.7569 1.0318 1.8000 1.857219122 622 0.9901 2.5400 2.5149 1.0334 1.4000 1.4468 0.9976 3.4300 3.4217 1.0388 2.5400 2.6386 0.9639 2.3300 2.2460 1.0059 1.7600 1.770319123 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619124 628 0.9697 2.7600 2.6763 1.0334 1.5100 1.5605 0.9668 3.8600 3.7318 1.0388 2.7600 2.8672 0.9639 2.6300 2.5352 1.0318 1.9000 1.960319125 624 1.0282 1.9500 2.0051 1.0334 1.2700 1.3124 0.9668 3.2900 3.1807 1.0388 1.9500 2.0257 0.9639 2.2000 2.1207 0.9922 1.6400 1.627319126 622 0.9901 2.5400 2.5149 1.0334 1.4000 1.4468 0.9976 3.4300 3.4217 1.0388 2.5400 2.6386 0.9639 2.3300 2.2460 1.0059 1.7600 1.770319127 627 0.9683 1.6400 1.5881 1.0011 1.3500 1.3515 0.9668 2.9400 2.8423 1.0388 1.6400 1.7037 1.0121 1.0100 1.0222 0.9717 1.2800 1.243719128 627 0.9683 1.6400 1.5881 1.0011 1.3500 1.3515 0.9668 2.9400 2.8423 1.0388 1.6400 1.7037 1.0121 1.0100 1.0222 0.9717 1.2800 1.243719129 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619130 625 1.0282 2.1400 2.2004 0.9895 1.5100 1.4942 0.9668 3.9400 3.8091 1.0388 2.1400 2.2231 0.9639 1.2100 1.1664 0.9844 1.4800 1.456919131 622 0.9901 2.5400 2.5149 1.0334 1.4000 1.4468 0.9976 3.4300 3.4217 1.0388 2.5400 2.6386 0.9639 2.3300 2.2460 1.0059 1.7600 1.770319132 621 0.9683 2.8900 2.7985 1.0334 1.4000 1.4468 1.0075 3.9900 4.0201 1.0388 2.8900 3.0022 0.9639 2.8600 2.7569 1.0318 1.8000 1.857219133 621 0.9683 2.8900 2.7985 1.0334 1.4000 1.4468 1.0075 3.9900 4.0201 1.0388 2.8900 3.0022 0.9639 2.8600 2.7569 1.0318 1.8000 1.857219134 623 1.0282 2.2600 2.3238 1.0334 1.3600 1.4054 0.9668 3.1900 3.0840 1.0388 2.2600 2.3477 0.9639 2.0600 1.9857 1.0313 1.6800 1.732619135 623 1.0282 2.2600 2.3238 1.0334 1.3600 1.4054 0.9668 3.1900 3.0840 1.0388 2.2600 2.3477 0.9639 2.0600 1.9857 1.0313 1.6800 1.732619136 625 1.0282 2.1400 2.2004 0.9895 1.5100 1.4942 0.9668 3.9400 3.8091 1.0388 2.1400 2.2231 0.9639 1.2100 1.1664 0.9844 1.4800 1.456919137 623 1.0282 2.2600 2.3238 1.0334 1.3600 1.4054 0.9668 3.1900 3.0840 1.0388 2.2600 2.3477 0.9639 2.0600 1.9857 1.0313 1.6800 1.732619138 622 0.9901 2.5400 2.5149 1.0334 1.4000 1.4468 0.9976 3.4300 3.4217 1.0388 2.5400 2.6386 0.9639 2.3300 2.2460 1.0059 1.7600 1.770319139 628 0.9697 2.7600 2.6763 1.0334 1.5100 1.5605 0.9668 3.8600 3.7318 1.0388 2.7600 2.8672 0.9639 2.6300 2.5352 1.0318 1.9000 1.960319140 621 0.9683 2.8900 2.7985 1.0334 1.4000 1.4468 1.0075 3.9900 4.0201 1.0388 2.8900 3.0022 0.9639 2.8600 2.7569 1.0318 1.8000 1.857219141 622 0.9901 2.5400 2.5149 1.0334 1.4000 1.4468 0.9976 3.4300 3.4217 1.0388 2.5400 2.6386 0.9639 2.3300 2.2460 1.0059 1.7600 1.770319142 622 0.9901 2.5400 2.5149 1.0334 1.4000 1.4468 0.9976 3.4300 3.4217 1.0388 2.5400 2.6386 0.9639 2.3300 2.2460 1.0059 1.7600 1.770319143 628 0.9697 2.7600 2.6763 1.0334 1.5100 1.5605 0.9668 3.8600 3.7318 1.0388 2.7600 2.8672 0.9639 2.6300 2.5352 1.0318 1.9000 1.960319144 623 1.0282 2.2600 2.3238 1.0334 1.3600 1.4054 0.9668 3.1900 3.0840 1.0388 2.2600 2.3477 0.9639 2.0600 1.9857 1.0313 1.6800 1.732619145 623 1.0282 2.2600 2.3238 1.0334 1.3600 1.4054 0.9668 3.1900 3.0840 1.0388 2.2600 2.3477 0.9639 2.0600 1.9857 1.0313 1.6800 1.732619146 624 1.0282 1.9500 2.0051 1.0334 1.2700 1.3124 0.9668 3.2900 3.1807 1.0388 1.9500 2.0257 0.9639 2.2000 2.1207 0.9922 1.6400 1.627319147 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619148 624 1.0282 1.9500 2.0051 1.0334 1.2700 1.3124 0.9668 3.2900 3.1807 1.0388 1.9500 2.0257 0.9639 2.2000 2.1207 0.9922 1.6400 1.627319149 623 1.0282 2.2600 2.3238 1.0334 1.3600 1.4054 0.9668 3.1900 3.0840 1.0388 2.2600 2.3477 0.9639 2.0600 1.9857 1.0313 1.6800 1.732619150 623 1.0282 2.2600 2.3238 1.0334 1.3600 1.4054 0.9668 3.1900 3.0840 1.0388 2.2600 2.3477 0.9639 2.0600 1.9857 1.0313 1.6800 1.732619151 622 0.9901 2.5400 2.5149 1.0334 1.4000 1.4468 0.9976 3.4300 3.4217 1.0388 2.5400 2.6386 0.9639 2.3300 2.2460 1.0059 1.7600 1.770319152 625 1.0282 2.1400 2.2004 0.9895 1.5100 1.4942 0.9668 3.9400 3.8091 1.0388 2.1400 2.2231 0.9639 1.2100 1.1664 0.9844 1.4800 1.456919153 624 1.0282 1.9500 2.0051 1.0334 1.2700 1.3124 0.9668 3.2900 3.1807 1.0388 1.9500 2.0257 0.9639 2.2000 2.1207 0.9922 1.6400 1.627319154 626 1.0282 1.9100 1.9639 0.9772 1.4000 1.3681 0.9668 3.4600 3.3451 1.0388 1.9100 1.9842 0.9639 1.2000 1.1567 1.0068 1.4200 1.429619176 622 0.9901 2.5400 2.5149 1.0334 1.4000 1.4468 0.9976 3.4300 3.4217 1.0388 2.5400 2.6386 0.9639 2.3300 2.2460 1.0059 1.7600 1.770319301 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019310 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019311 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019312 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019316 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719317 615 0.9972 1.2300 1.2266 1.0312 1.2200 1.2581 0.9668 1.2900 1.2472 0.9783 1.2300 1.2033 0.9744 1.0000 0.9744 1.0064 1.1100 1.117119318 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719319 615 0.9972 1.2300 1.2266 1.0312 1.2200 1.2581 0.9668 1.2900 1.2472 0.9783 1.2300 1.2033 0.9744 1.0000 0.9744 1.0064 1.1100 1.117119320 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019330 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019331 615 0.9972 1.2300 1.2266 1.0312 1.2200 1.2581 0.9668 1.2900 1.2472 0.9783 1.2300 1.2033 0.9744 1.0000 0.9744 1.0064 1.1100 1.117119333 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019335 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719341 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719342 615 0.9972 1.2300 1.2266 1.0312 1.2200 1.2581 0.9668 1.2900 1.2472 0.9783 1.2300 1.2033 0.9744 1.0000 0.9744 1.0064 1.1100 1.1171

Exhibit M-1Page 38


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




19343 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719344 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719345 561 1.0282 1.0900 1.1208 0.9930 1.2200 1.2115 0.9668 1.1200 1.0828 0.9783 1.0900 1.0664 1.0236 0.9100 0.9314 1.0013 1.1200 1.121419346 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719347 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719348 561 1.0282 1.0900 1.1208 0.9930 1.2200 1.2115 0.9668 1.1200 1.0828 0.9783 1.0900 1.0664 1.0236 0.9100 0.9314 1.0013 1.1200 1.121419350 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019351 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719352 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019353 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719354 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719355 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019357 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719358 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019360 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719362 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719363 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019365 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019366 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019367 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719369 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719371 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719372 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719373 615 0.9972 1.2300 1.2266 1.0312 1.2200 1.2581 0.9668 1.2900 1.2472 0.9783 1.2300 1.2033 0.9744 1.0000 0.9744 1.0064 1.1100 1.117119374 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019375 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719376 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019380 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019381 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719382 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019383 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019390 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019395 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719397 561 1.0282 1.0900 1.1208 0.9930 1.2200 1.2115 0.9668 1.1200 1.0828 0.9783 1.0900 1.0664 1.0236 0.9100 0.9314 1.0013 1.1200 1.121419398 561 1.0282 1.0900 1.1208 0.9930 1.2200 1.2115 0.9668 1.1200 1.0828 0.9783 1.0900 1.0664 1.0236 0.9100 0.9314 1.0013 1.1200 1.121419399 561 1.0282 1.0900 1.1208 0.9930 1.2200 1.2115 0.9668 1.1200 1.0828 0.9783 1.0900 1.0664 1.0236 0.9100 0.9314 1.0013 1.1200 1.121419401 603 1.0282 1.3000 1.3367 0.9995 1.2900 1.2894 1.0266 1.2900 1.3243 0.9783 1.3000 1.2718 1.0236 0.7900 0.8086 0.9750 1.1200 1.092019403 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819404 603 1.0282 1.3000 1.3367 0.9995 1.2900 1.2894 1.0266 1.2900 1.3243 0.9783 1.3000 1.2718 1.0236 0.7900 0.8086 0.9750 1.1200 1.092019405 603 1.0282 1.3000 1.3367 0.9995 1.2900 1.2894 1.0266 1.2900 1.3243 0.9783 1.3000 1.2718 1.0236 0.7900 0.8086 0.9750 1.1200 1.092019406 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819407 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819408 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819409 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819420 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819421 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719422 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093719423 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819425 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719426 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819428 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093719430 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.0008

Exhibit M-1Page 39


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




19432 561 1.0282 1.0900 1.1208 0.9930 1.2200 1.2115 0.9668 1.1200 1.0828 0.9783 1.0900 1.0664 1.0236 0.9100 0.9314 1.0013 1.1200 1.121419435 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819436 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093719437 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093719438 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819440 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819442 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019443 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819444 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093719446 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819450 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819451 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819453 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719454 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819456 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819457 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019460 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719462 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093719464 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819465 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719468 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819470 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719472 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819473 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819474 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819475 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719477 604 1.0115 1.3200 1.3352 1.0057 1.2700 1.2773 0.9890 1.2600 1.2461 1.0388 1.3200 1.3713 1.0236 0.7600 0.7779 1.0034 1.0900 1.093719478 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819480 562 0.9915 1.0300 1.0213 1.0334 1.1100 1.1471 0.9840 0.8600 0.8462 0.9783 1.0300 1.0077 0.9639 0.9900 0.9543 1.0318 1.0400 1.073019481 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819482 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819484 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819486 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819490 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.000819492 605 1.0282 1.0900 1.1208 1.0334 1.1900 1.2298 1.0266 1.0800 1.1087 1.0388 1.0900 1.1323 0.9990 0.7800 0.7793 0.9717 1.0300 1.000819501 553 0.9683 0.7600 0.7359 0.9757 0.8900 0.8684 1.0266 0.6400 0.6570 0.9783 0.7600 0.7435 0.9978 0.6900 0.6885 0.9717 0.8500 0.825919503 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319504 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319505 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319506 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319507 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319508 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219510 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319511 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319512 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219516 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319518 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219519 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319520 563 0.9906 0.9400 0.9312 0.9741 1.0700 1.0423 1.0145 0.8500 0.8623 0.9783 0.9400 0.9196 1.0236 0.9700 0.9929 0.9717 1.0000 0.971719522 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319523 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319525 606 0.9863 0.9400 0.9271 1.0334 1.0500 1.0851 1.0266 0.9000 0.9239 0.9783 0.9400 0.9196 1.0236 0.8300 0.8496 1.0318 0.9700 1.0008

Exhibit M-1Page 40


Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor

Selected Change

Current Factor

Proposed Factor




19526 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219529 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319530 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319533 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319534 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319535 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319536 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319538 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319539 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319540 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319541 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319543 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219544 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319545 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219547 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219548 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219549 590 0.9683 0.8300 0.8037 1.0004 0.7400 0.7403 0.9815 0.7900 0.7754 0.9783 0.8300 0.8120 1.0236 0.9700 0.9929 1.0318 0.8600 0.887319550 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319551 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319554 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319555 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219559 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219560 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219562 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319564 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319565 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319567 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319601 581 0.9683 1.2400 1.2007 1.0086 1.1600 1.1700 1.0266 0.7200 0.7391 0.9783 1.2400 1.2131 0.9639 1.0800 1.0411 0.9717 1.2600 1.224319602 581 0.9683 1.2400 1.2007 1.0086 1.1600 1.1700 1.0266 0.7200 0.7391 0.9783 1.2400 1.2131 0.9639 1.0800 1.0411 0.9717 1.2600 1.224319603 581 0.9683 1.2400 1.2007 1.0086 1.1600 1.1700 1.0266 0.7200 0.7391 0.9783 1.2400 1.2131 0.9639 1.0800 1.0411 0.9717 1.2600 1.224319604 581 0.9683 1.2400 1.2007 1.0086 1.1600 1.1700 1.0266 0.7200 0.7391 0.9783 1.2400 1.2131 0.9639 1.0800 1.0411 0.9717 1.2600 1.224319605 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319606 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219607 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219608 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319609 584 0.9683 0.7900 0.7650 1.0334 0.8700 0.8991 1.0266 0.7000 0.7186 0.9783 0.7900 0.7729 0.9639 0.9200 0.8868 1.0318 0.8900 0.918319610 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.933219611 582 0.9683 0.9700 0.9393 0.9926 0.9400 0.9331 1.0266 0.7000 0.7186 0.9783 0.9700 0.9490 0.9639 0.9700 0.9350 0.9823 0.9500 0.9332

Exhibit M-2Page 41


Bodily Injury Coverage

Development of Proposed Territorial Factors

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Cluster Group EE dist EP DistLR Rel

(a)Ult Clms

(a) LR Cred (b)Industry Ind Rel

Change (c)

Normalized Industry Indicated

(d)

Formula Indicated

change (e)Capped

Change (f)Final Indicated

Change (g)

BI

111 1.4% 1.0% 0.037 5 0.08 1.0462 1.0462 0.9640 0.9700 0.9683

112 1.6% 1.2% 0.790 8 0.11 1.0340 1.0340 1.0078 1.0078 1.0061

120 0.4% 0.2% 0.366 2 0.05 1.1024 1.1024 1.0620 1.0300 1.0282

130 0.2% 0.1% 0.000 0 0.00 0.9232 0.9232 0.9232 0.9700 0.9683

140 0.4% 0.3% 1.190 4 0.08 0.8384 0.8384 0.8656 0.9700 0.9683

160 0.3% 0.2% 6.637 6 0.09 0.8146 0.8146 1.3437 1.0300 1.0282

171 0.5% 0.4% 0.586 1 0.04 0.9694 0.9694 0.9546 0.9700 0.9683

172 1.5% 1.2% 0.126 4 0.08 1.0826 1.0826 1.0065 1.0065 1.0048

173 0.4% 0.3% 0.036 0 0.03 1.0889 1.0889 1.0606 1.0300 1.0282

180 1.7% 1.4% 1.495 11 0.12 0.7287 0.7287 0.8241 0.9700 0.9683

191 0.2% 0.1% 1.826 5 0.08 0.8477 0.8477 0.9278 0.9700 0.9683

192 0.1% 0.1% 0.000 0 0.00 0.9591 0.9591 0.9591 0.9700 0.9683

200 1.2% 0.8% 0.039 3 0.06 1.0663 1.0663 1.0038 1.0038 1.0021

210 1.0% 0.7% 0.702 3 0.06 0.9905 0.9905 0.9719 0.9719 0.9702

220 0.8% 0.6% 0.037 2 0.05 1.0766 1.0766 1.0277 1.0277 1.0260

230 0.2% 0.1% 0.000 0 0.00 0.9683 0.9683 0.9683 0.9700 0.9683

240 0.6% 0.3% 0.591 5 0.08 1.0504 1.0504 1.0128 1.0128 1.0110

250 0.7% 0.4% 0.226 2 0.05 1.0628 1.0628 1.0202 1.0202 1.0184

290 0.4% 0.3% 0.014 1 0.04 1.0177 1.0177 0.9814 0.9814 0.9797

300 0.4% 0.3% 0.000 0 0.00 0.9024 0.9024 0.9024 0.9700 0.9683

310 0.1% 0.1% 0.000 0 0.00 0.8682 0.8682 0.8682 0.9700 0.9683

321 0.1% 0.1% 0.101 1 0.04 1.0700 1.0700 1.0344 1.0300 1.0282

322 0.4% 0.4% 0.475 5 0.09 1.0799 1.0799 1.0273 1.0273 1.0255

323 0.2% 0.1% 1.755 1 0.04 0.8110 0.8110 0.8450 0.9700 0.9683

324 0.5% 0.4% 0.883 6 0.10 0.9206 0.9206 0.9169 0.9700 0.9683

325 0.3% 0.3% 0.427 1 0.03 1.0598 1.0598 1.0394 1.0300 1.0282

330 0.9% 0.5% 1.271 5 0.08 0.7931 0.7931 0.8336 0.9700 0.9683

340 0.7% 0.5% 0.257 2 0.05 1.0451 1.0451 1.0052 1.0052 1.0035

350 0.9% 0.6% 0.938 10 0.12 0.9932 0.9932 0.9866 0.9866 0.9849

370 0.0% 0.0% 0.000 0 0.00 0.9484 0.9484 0.9484 0.9700 0.9683

380 0.3% 0.2% 0.071 1 0.05 1.0508 1.0508 1.0051 1.0051 1.0034

390 0.3% 0.3% 5.678 8 0.11 0.7662 0.7662 1.3017 1.0300 1.0282

401 0.3% 0.2% 1.011 4 0.08 0.8723 0.8723 0.8835 0.9700 0.9683

402 0.3% 0.2% 9.217 9 0.11 0.7926 0.7926 1.7586 1.0300 1.0282

410 0.2% 0.1% 0.102 1 0.04 1.0928 1.0928 1.0546 1.0300 1.0282

420 0.1% 0.1% 0.000 0 0.00 0.9527 0.9527 0.9527 0.9700 0.9683

430 0.9% 0.6% 5.361 11 0.13 0.7767 0.7767 1.3679 1.0300 1.0282

440 0.1% 0.1% 0.000 0 0.00 0.9432 0.9432 0.9432 0.9700 0.9683

460 0.1% 0.1% 0.000 0 0.00 0.8836 0.8836 0.8836 0.9700 0.9683

470 0.6% 0.4% 3.713 5 0.09 0.7829 0.7829 1.0407 1.0300 1.0282

480 0.0% 0.0% 0.000 0 0.00 0.9339 0.9339 0.9339 0.9700 0.9683

490 0.2% 0.2% 1.115 3 0.06 0.7758 0.7758 0.7977 0.9700 0.9683

500 0.1% 0.1% 0.000 0 0.00 0.8895 0.8895 0.8895 0.9700 0.9683

511 0.2% 0.1% 0.404 1 0.03 1.0673 1.0673 1.0460 1.0300 1.0282

512 0.1% 0.1% 0.063 0 0.03 0.9709 0.9709 0.9465 0.9700 0.9683

521 0.4% 0.4% 0.939 7 0.10 0.8793 0.8793 0.8852 0.9700 0.9683

522 0.9% 0.7% 1.713 11 0.12 0.7528 0.7528 0.8722 0.9700 0.9683

531 0.1% 0.1% 0.203 1 0.03 0.9644 0.9644 0.9398 0.9700 0.9683

532 0.4% 0.3% 0.867 3 0.07 1.0278 1.0278 1.0173 1.0173 1.0156

533 0.6% 0.5% 1.421 5 0.09 0.8198 0.8198 0.8728 0.9700 0.9683

534 0.8% 0.5% 1.397 12 0.13 0.8072 0.8072 0.8851 0.9700 0.9683

540 0.7% 0.5% 0.000 0 0.00 0.9228 0.9228 0.9228 0.9700 0.9683

551 0.5% 0.5% 3.915 8 0.11 0.7540 0.7540 1.1022 1.0300 1.0282

552 0.7% 0.5% 2.672 6 0.10 0.8309 0.8309 1.0093 1.0093 1.0075

553 1.2% 1.0% 0.958 8 0.11 0.9202 0.9202 0.9244 0.9700 0.9683

561 0.5% 0.5% 0.477 1 0.04 1.1308 1.1308 1.1034 1.0300 1.0282

562 3.1% 3.1% 0.728 26 0.19 1.0574 1.0574 0.9932 0.9932 0.9915

563 3.1% 2.7% 1.121 16 0.16 0.9686 0.9686 0.9923 0.9923 0.9906

570 0.4% 0.3% 0.899 3 0.07 0.9548 0.9548 0.9508 0.9700 0.9683

581 0.3% 0.4% 0.630 9 0.11 0.9979 0.9979 0.9561 0.9700 0.9683

582 1.6% 1.5% 0.283 13 0.14 1.0220 1.0220 0.9202 0.9700 0.9683

584 1.5% 1.2% 1.050 9 0.11 0.9245 0.9245 0.9387 0.9700 0.9683

590 0.8% 0.7% 0.979 6 0.09 0.8668 0.8668 0.8770 0.9700 0.9683

Exhibit M-2Page 42


Bodily Injury Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms


Change (c)


(d)

Formula Indicated

change (e)Capped


Change (g)

BI

601 1.2% 1.9% 0.580 11 0.12 1.0863 1.0863 1.0234 1.0234 1.0217

602 0.3% 0.3% 0.786 3 0.07 1.0898 1.0898 1.0681 1.0300 1.0282

603 1.4% 1.6% 0.482 10 0.12 1.1233 1.1233 1.0457 1.0300 1.0282

604 1.6% 1.8% 0.755 23 0.19 1.0719 1.0719 1.0132 1.0132 1.0115

605 3.2% 3.1% 1.175 29 0.21 0.9979 0.9979 1.0344 1.0300 1.0282

606 3.2% 2.8% 1.048 27 0.20 0.9730 0.9730 0.9879 0.9879 0.9863

611 0.9% 1.6% 1.338 26 0.19 0.9282 0.9282 1.0075 1.0075 1.0057

612 1.0% 1.2% 1.691 25 0.19 0.8379 0.8379 1.0004 1.0004 0.9987

613 1.9% 2.2% 1.282 33 0.22 0.8923 0.8923 0.9779 0.9779 0.9763

614 1.1% 1.2% 0.661 9 0.12 1.0706 1.0706 1.0234 1.0234 1.0216

615 1.3% 1.4% 1.466 17 0.16 0.9104 0.9104 0.9989 0.9989 0.9972

621 0.4% 1.0% 0.501 16 0.15 1.0132 1.0132 0.9356 0.9700 0.9683

622 0.9% 2.1% 1.018 32 0.22 0.9845 0.9845 0.9918 0.9918 0.9901

623 1.6% 2.9% 1.047 35 0.23 1.0262 1.0262 1.0310 1.0300 1.0282

624 0.6% 1.0% 1.222 12 0.13 1.0309 1.0309 1.0557 1.0300 1.0282

625 2.4% 3.9% 0.937 54 0.28 1.1131 1.1131 1.0634 1.0300 1.0282

626 2.4% 3.7% 1.140 44 0.26 1.0555 1.0555 1.0771 1.0300 1.0282

627 0.4% 0.6% 1.149 11 0.13 0.9273 0.9273 0.9561 0.9700 0.9683

628 0.9% 2.1% 1.119 31 0.21 0.9311 0.9311 0.9713 0.9713 0.9697

631 2.3% 2.9% 0.928 25 0.19 1.0986 1.0986 1.0662 1.0300 1.0282

632 3.5% 4.1% 0.812 29 0.20 1.1268 1.1268 1.0625 1.0300 1.0282

633 3.7% 3.8% 0.848 31 0.21 1.1333 1.1333 1.0727 1.0300 1.0282

634 1.0% 0.9% 0.357 6 0.09 1.1236 1.1236 1.0508 1.0300 1.0282

635 1.0% 0.7% 3.063 17 0.16 0.9048 0.9048 1.2445 1.0300 1.0282

641 0.1% 0.2% 0.000 0 0.00 0.8915 0.8915 0.8915 0.9700 0.9683

642 1.0% 1.0% 0.213 2 0.06 1.0464 1.0464 0.9966 0.9966 0.9949

643 0.5% 0.4% 0.715 4 0.08 0.9840 0.9840 0.9630 0.9700 0.9683

644 0.7% 0.5% 3.766 8 0.11 0.8941 0.8941 1.2067 1.0300 1.0282

651 0.5% 0.4% 0.155 2 0.06 1.0090 1.0090 0.9620 0.9700 0.9683

652 0.9% 0.7% 0.799 8 0.11 0.9191 0.9191 0.9062 0.9700 0.9683

661 0.3% 0.2% 0.737 1 0.04 1.1079 1.1079 1.0943 1.0300 1.0282

662 2.1% 1.9% 0.362 15 0.15 1.0531 1.0531 0.9508 0.9700 0.9683

671 0.3% 0.3% 0.099 1 0.05 1.0189 1.0189 0.9763 0.9763 0.9747

672 0.6% 0.4% 1.980 12 0.13 0.7973 0.7973 0.9536 0.9700 0.9683

681 1.4% 1.5% 0.689 13 0.14 0.9952 0.9952 0.9528 0.9700 0.9683

682 0.4% 0.4% 0.314 3 0.06 1.0314 1.0314 0.9848 0.9848 0.9831

691 0.4% 0.5% 0.216 1 0.04 1.0126 1.0126 0.9786 0.9786 0.9769

692 0.6% 0.7% 1.591 9 0.11 0.8004 0.8004 0.8905 0.9700 0.9683

700 0.3% 0.2% 0.000 0 0.00 0.8999 0.8999 0.8999 0.9700 0.9683

710 1.3% 1.4% 0.551 10 0.12 1.0617 1.0617 0.9990 0.9990 0.9973

720 0.5% 0.6% 0.787 3 0.07 1.0572 1.0572 1.0383 1.0300 1.0282

730 0.2% 0.2% 2.661 6 0.09 0.7485 0.7485 0.9281 0.9700 0.9683

740 0.6% 0.4% 1.055 3 0.07 1.0050 1.0050 1.0084 1.0084 1.0066

751 0.6% 0.5% 1.784 4 0.08 0.7579 0.7579 0.8411 0.9700 0.9683

752 1.2% 1.0% 2.371 16 0.15 0.7822 0.7822 1.0221 1.0221 1.0203

760 0.2% 0.2% 0.593 2 0.06 0.8539 0.8539 0.8395 0.9700 0.9683

771 0.8% 0.9% 0.622 12 0.13 1.0111 1.0111 0.9600 0.9700 0.9683

772 0.7% 0.8% 0.728 13 0.14 1.0560 1.0560 1.0109 1.0109 1.0092

773 1.2% 1.1% 0.840 13 0.14 0.9481 0.9481 0.9334 0.9700 0.9683

774 1.9% 1.5% 0.530 16 0.15 1.0567 1.0567 0.9756 0.9756 0.9740

775 3.0% 2.2% 0.859 22 0.18 1.0118 1.0118 0.9842 0.9842 0.9826

Total 100.0% 100.0% 1.000 1,037 1.0000 1.0000 1.0067 1.0017 1.0000

1,037

(a) Earned Premium on level and Ultimate Losses and Claims for fiscal/accident years ending 6/30/19, evaluated as of September, 2019(b) (6) = Min[1.00, ((5) / 683)^0.50], where 683 is the full credibility standard(c) Industry Relativity based on leading competitors and internal conversion rate(d) (8) = (7) / (7)Total(e) (9) = [(4) x (6)] + {[(1-(6)] x (8)}(f) (10) = (9) capped at +/-3%.

(g) (11) = (10) / (10)Total

Exhibit M-3Page 43


Property Damage Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms


Change (c)


(d)

Formula Indicated

change (e)Capped


Change (g)

PD

111 1.4% 1.1% 0.780 63 0.30 1.0563 1.0563 0.9722 0.9722 0.9755

112 1.6% 1.4% 1.015 82 0.35 0.9611 0.9611 0.9799 0.9799 0.9831

120 0.4% 0.3% 0.827 15 0.15 1.0558 1.0558 1.0216 1.0216 1.0250

130 0.2% 0.2% 0.823 12 0.13 0.9766 0.9766 0.9566 0.9700 0.9732

140 0.4% 0.3% 0.971 25 0.19 0.9335 0.9335 0.9406 0.9700 0.9732

160 0.3% 0.2% 1.864 16 0.16 0.8248 0.8248 0.9859 0.9859 0.9892

171 0.5% 0.4% 1.270 31 0.21 0.8817 0.8817 0.9640 0.9700 0.9732

172 1.5% 1.3% 0.996 88 0.36 0.9889 0.9889 0.9913 0.9913 0.9946

173 0.4% 0.4% 0.497 18 0.16 1.1064 1.1064 1.0073 1.0073 1.0106

180 1.7% 1.2% 0.882 70 0.32 1.0177 1.0177 0.9743 0.9743 0.9775

191 0.2% 0.1% 0.222 3 0.06 1.1347 1.1347 1.0785 1.0300 1.0334

192 0.1% 0.1% 0.413 4 0.08 1.1324 1.1324 1.0780 1.0300 1.0334

200 1.2% 0.9% 1.005 48 0.26 0.9463 0.9463 0.9618 0.9700 0.9732

210 1.0% 0.7% 0.616 31 0.21 1.1073 1.1073 1.0032 1.0032 1.0066

220 0.8% 0.6% 0.543 21 0.18 1.0895 1.0895 0.9932 0.9932 0.9965

230 0.2% 0.1% 1.336 7 0.10 0.8488 0.8488 0.8992 0.9700 0.9732

240 0.6% 0.4% 0.847 22 0.18 1.0110 1.0110 0.9813 0.9813 0.9846

250 0.7% 0.5% 0.700 19 0.17 1.0208 1.0208 0.9668 0.9700 0.9732

290 0.4% 0.2% 0.676 12 0.13 1.0296 1.0296 0.9833 0.9833 0.9866

300 0.4% 0.3% 0.404 14 0.14 1.0843 1.0843 0.9865 0.9865 0.9897

310 0.1% 0.1% 1.197 6 0.09 0.8026 0.8026 0.8397 0.9700 0.9732

321 0.1% 0.1% 1.130 10 0.12 0.8251 0.8251 0.8618 0.9700 0.9732

322 0.4% 0.4% 1.085 24 0.19 0.8819 0.8819 0.9203 0.9700 0.9732

323 0.2% 0.2% 1.251 11 0.13 0.8029 0.8029 0.8603 0.9700 0.9732

324 0.5% 0.5% 0.927 33 0.22 0.9842 0.9842 0.9716 0.9716 0.9748

325 0.3% 0.3% 1.000 15 0.15 0.8686 0.8686 0.8882 0.9700 0.9732

330 0.9% 0.7% 1.306 49 0.27 0.8563 0.8563 0.9766 0.9766 0.9799

340 0.7% 0.6% 1.275 45 0.26 0.8542 0.8542 0.9623 0.9700 0.9732

350 0.9% 0.6% 0.939 30 0.21 1.0294 1.0294 1.0106 1.0106 1.0140

370 0.0% 0.0% 0.000 0 0.00 0.8972 0.8972 0.8972 0.9700 0.9732

380 0.3% 0.2% 1.456 19 0.17 0.7758 0.7758 0.8897 0.9700 0.9732

390 0.3% 0.3% 1.851 24 0.19 0.8112 0.8112 1.0062 1.0062 1.0095

401 0.3% 0.3% 0.531 11 0.13 1.0939 1.0939 1.0217 1.0217 1.0251

402 0.3% 0.3% 0.543 8 0.10 1.1139 1.1139 1.0540 1.0300 1.0334

410 0.2% 0.1% 0.652 7 0.10 1.0751 1.0751 1.0325 1.0300 1.0334

420 0.1% 0.1% 0.089 1 0.04 1.1041 1.1041 1.0664 1.0300 1.0334

430 0.9% 0.7% 1.109 41 0.24 0.9223 0.9223 0.9679 0.9700 0.9732

440 0.1% 0.1% 0.852 5 0.09 0.9331 0.9331 0.9261 0.9700 0.9732

460 0.1% 0.1% 0.385 3 0.07 1.0990 1.0990 1.0506 1.0300 1.0334

470 0.6% 0.5% 1.380 36 0.23 0.8067 0.8067 0.9387 0.9700 0.9732

480 0.0% 0.0% 0.000 0 0.00 1.0481 1.0481 1.0481 1.0300 1.0334

490 0.2% 0.2% 0.479 9 0.12 1.0888 1.0888 1.0184 1.0184 1.0217

500 0.1% 0.1% 0.277 2 0.05 1.0991 1.0991 1.0547 1.0300 1.0334

511 0.2% 0.1% 0.253 4 0.07 1.0880 1.0880 1.0256 1.0256 1.0290

512 0.1% 0.1% 1.433 5 0.08 0.8127 0.8127 0.8641 0.9700 0.9732

521 0.4% 0.5% 1.228 42 0.25 0.8465 0.8465 0.9414 0.9700 0.9732

522 0.9% 0.8% 1.076 67 0.31 0.9073 0.9073 0.9601 0.9700 0.9732

531 0.1% 0.1% 1.420 5 0.08 0.8031 0.8031 0.8552 0.9700 0.9732

532 0.4% 0.4% 0.867 24 0.19 1.0279 1.0279 0.9973 0.9973 1.0006

533 0.6% 0.6% 0.883 32 0.22 0.9907 0.9907 0.9674 0.9700 0.9732

534 0.8% 0.6% 1.365 41 0.25 0.8473 0.8473 0.9746 0.9746 0.9778

540 0.7% 0.5% 0.818 27 0.20 1.1063 1.1063 1.0486 1.0300 1.0334

551 0.5% 0.5% 1.455 43 0.25 0.8449 0.8449 0.9976 0.9976 1.0009

552 0.7% 0.6% 0.967 41 0.25 0.9834 0.9834 0.9793 0.9793 0.9825

553 1.2% 1.1% 0.967 81 0.34 0.9752 0.9752 0.9725 0.9725 0.9757

561 0.5% 0.6% 0.411 27 0.20 1.1332 1.1332 0.9898 0.9898 0.9930

562 3.1% 3.3% 1.317 216 0.56 0.8846 0.8846 1.1276 1.0300 1.0334

563 3.1% 3.0% 0.825 163 0.49 1.1106 1.1106 0.9709 0.9709 0.9741

570 0.4% 0.3% 0.543 17 0.16 1.0991 1.0991 1.0117 1.0117 1.0151

581 0.3% 0.4% 0.829 33 0.22 1.0547 1.0547 1.0053 1.0053 1.0086

582 1.6% 1.5% 1.048 94 0.37 0.9544 0.9544 0.9893 0.9893 0.9926

584 1.5% 1.3% 1.223 89 0.36 0.9322 0.9322 1.0371 1.0300 1.0334

590 0.8% 0.6% 1.149 44 0.25 0.9455 0.9455 0.9971 0.9971 1.0004

Exhibit M-3Page 44


Property Damage Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms


Change (c)


(d)

Formula Indicated

change (e)Capped


Change (g)

PD

601 1.2% 1.4% 0.799 62 0.30 1.1155 1.1155 1.0198 1.0198 1.0231

602 0.3% 0.3% 0.987 22 0.18 1.0789 1.0789 1.0625 1.0300 1.0334

603 1.4% 1.7% 0.908 86 0.35 1.0447 1.0447 0.9962 0.9962 0.9995

604 1.6% 1.7% 0.932 89 0.36 1.0423 1.0423 1.0024 1.0024 1.0057

605 3.2% 3.4% 1.112 208 0.55 0.9798 0.9798 1.0529 1.0300 1.0334

606 3.2% 3.1% 1.156 200 0.54 0.9851 0.9851 1.0774 1.0300 1.0334

611 0.9% 1.4% 1.341 92 0.37 0.9056 0.9056 1.0654 1.0300 1.0334

612 1.0% 1.2% 1.208 88 0.36 0.9412 0.9412 1.0372 1.0300 1.0334

613 1.9% 2.3% 0.968 129 0.44 0.9963 0.9963 0.9840 0.9840 0.9873

614 1.1% 1.2% 1.056 78 0.34 0.9792 0.9792 1.0049 1.0049 1.0083

615 1.3% 1.4% 0.982 84 0.35 1.0526 1.0526 1.0278 1.0278 1.0312

621 0.4% 0.6% 1.012 36 0.23 1.1039 1.1039 1.0830 1.0300 1.0334

622 0.9% 1.4% 0.758 69 0.32 1.1833 1.1833 1.0475 1.0300 1.0334

623 1.6% 2.2% 1.060 126 0.43 1.0372 1.0372 1.0472 1.0300 1.0334

624 0.6% 0.8% 0.723 51 0.27 1.1879 1.1879 1.0610 1.0300 1.0334

625 2.4% 3.3% 0.922 180 0.51 1.0540 1.0540 0.9863 0.9863 0.9895

626 2.4% 3.1% 0.905 170 0.50 1.0428 1.0428 0.9740 0.9740 0.9772

627 0.4% 0.6% 0.805 36 0.23 1.0558 1.0558 0.9978 0.9978 1.0011

628 0.9% 1.5% 1.168 94 0.37 0.9592 0.9592 1.0367 1.0300 1.0334

631 2.3% 2.6% 0.829 133 0.44 1.1374 1.1374 1.0014 1.0014 1.0047

632 3.5% 3.9% 0.878 205 0.55 1.0735 1.0735 0.9666 0.9700 0.9732

633 3.7% 3.8% 0.874 210 0.55 1.0855 1.0855 0.9684 0.9700 0.9732

634 1.0% 1.0% 0.701 55 0.28 1.1182 1.1182 0.9998 0.9998 1.0031

635 1.0% 0.9% 1.644 62 0.30 0.8841 0.8841 1.1125 1.0300 1.0334

641 0.1% 0.2% 0.581 14 0.14 1.0958 1.0958 1.0223 1.0223 1.0257

642 1.0% 1.1% 1.010 75 0.33 0.9731 0.9731 0.9854 0.9854 0.9886

643 0.5% 0.4% 2.140 28 0.20 0.8116 0.8116 1.0782 1.0300 1.0334

644 0.7% 0.6% 1.116 44 0.25 0.9379 0.9379 0.9834 0.9834 0.9866

651 0.5% 0.5% 1.297 31 0.21 0.8821 0.8821 0.9707 0.9707 0.9739

652 0.9% 0.7% 1.449 47 0.26 0.8241 0.8241 0.9888 0.9888 0.9920

661 0.3% 0.3% 0.594 19 0.16 1.0823 1.0823 1.0020 1.0020 1.0053

662 2.1% 1.9% 1.105 99 0.38 0.9324 0.9324 0.9983 0.9983 1.0016

671 0.3% 0.3% 0.858 22 0.18 1.0641 1.0641 1.0275 1.0275 1.0309

672 0.6% 0.4% 1.487 31 0.21 0.8823 0.8823 1.0103 1.0103 1.0137

681 1.4% 1.2% 1.168 72 0.32 0.9018 0.9018 0.9880 0.9880 0.9912

682 0.4% 0.3% 1.061 23 0.19 0.9911 0.9911 1.0041 1.0041 1.0074

691 0.4% 0.5% 0.997 30 0.21 0.9758 0.9758 0.9803 0.9803 0.9836

692 0.6% 0.5% 0.900 34 0.22 1.0295 1.0295 1.0008 1.0008 1.0041

700 0.3% 0.2% 1.142 12 0.13 0.9580 0.9580 0.9825 0.9825 0.9857

710 1.3% 1.2% 0.773 69 0.32 1.0648 1.0648 0.9720 0.9720 0.9753

720 0.5% 0.5% 0.509 15 0.15 1.1146 1.1146 1.0250 1.0250 1.0284

730 0.2% 0.2% 0.497 7 0.10 1.1319 1.1319 1.0669 1.0300 1.0334

740 0.6% 0.4% 1.350 31 0.21 0.8180 0.8180 0.9305 0.9700 0.9732

751 0.6% 0.5% 0.986 33 0.22 0.9381 0.9381 0.9485 0.9700 0.9732

752 1.2% 1.1% 1.015 67 0.31 0.9718 0.9718 0.9855 0.9855 0.9888

760 0.2% 0.2% 1.221 13 0.14 0.8383 0.8383 0.8910 0.9700 0.9732

771 0.8% 1.2% 1.142 87 0.36 0.8457 0.8457 0.9517 0.9700 0.9732

772 0.7% 1.0% 0.871 55 0.28 0.9681 0.9681 0.9405 0.9700 0.9732

773 1.2% 1.5% 0.877 90 0.36 0.9805 0.9805 0.9427 0.9700 0.9732

774 1.9% 1.9% 1.048 116 0.41 0.9697 0.9697 1.0020 1.0020 1.0053

775 3.0% 2.8% 1.149 214 0.56 0.9519 0.9519 1.0621 1.0300 1.0334

Total 100.0% 100.0% 1.000 6,030 1.0000 1.0000 1.0027 0.9967 1.0000

6,030


(g) (11) = (10) / (10)Total

Exhibit M-4Page 45


Medical/No-Fault Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms


Change (c)


(d)

Formula Indicated

change (e)Capped


Change (g)

MEDNF

111 1.4% 0.8% 0.757 29 0.21 1.1139 1.1139 1.0398 1.0300 1.0266

112 1.6% 0.9% 0.881 27 0.20 1.0517 1.0517 1.0180 1.0180 1.0146

120 0.4% 0.2% 0.193 2 0.05 1.1683 1.1683 1.1167 1.0300 1.0266

130 0.2% 0.1% 1.658 6 0.09 1.0528 1.0528 1.1096 1.0300 1.0266

140 0.4% 0.3% 0.845 6 0.09 1.1745 1.1745 1.1444 1.0300 1.0266

160 0.3% 0.2% 1.355 9 0.12 0.9208 0.9208 0.9708 0.9708 0.9675

171 0.5% 0.4% 0.845 13 0.14 0.9935 0.9935 0.9732 0.9732 0.9700

172 1.5% 1.1% 1.126 34 0.22 0.9628 0.9628 0.9993 0.9993 0.9960

173 0.4% 0.3% 0.170 4 0.08 1.1740 1.1740 1.0966 1.0300 1.0266

180 1.7% 1.3% 0.894 28 0.20 1.0477 1.0477 1.0165 1.0165 1.0132

191 0.2% 0.1% 0.468 2 0.06 1.0201 1.0201 0.9877 0.9877 0.9845

192 0.1% 0.1% 0.197 2 0.05 1.0724 1.0724 1.0285 1.0285 1.0251

200 1.2% 0.8% 0.879 18 0.16 0.9630 0.9630 0.9492 0.9700 0.9668

210 1.0% 0.6% 0.878 18 0.16 1.2346 1.2346 1.1765 1.0300 1.0266

220 0.8% 0.6% 0.215 12 0.13 1.1219 1.1219 1.0018 1.0018 0.9985

230 0.2% 0.1% 0.411 2 0.05 1.2305 1.2305 1.1881 1.0300 1.0266

240 0.6% 0.3% 1.797 14 0.14 0.9278 0.9278 1.0538 1.0300 1.0266

250 0.7% 0.4% 1.257 10 0.12 1.0596 1.0596 1.0838 1.0300 1.0266

290 0.4% 0.3% 0.415 5 0.09 1.1882 1.1882 1.1193 1.0300 1.0266

300 0.4% 0.3% 0.296 2 0.05 1.3236 1.3236 1.2694 1.0300 1.0266

310 0.1% 0.1% 0.522 4 0.07 1.0680 1.0680 1.0281 1.0281 1.0247

321 0.1% 0.1% 0.691 2 0.05 1.2107 1.2107 1.1838 1.0300 1.0266

322 0.4% 0.3% 2.929 17 0.16 0.9223 0.9223 1.2400 1.0300 1.0266

323 0.2% 0.1% 0.501 5 0.09 1.2790 1.2790 1.2117 1.0300 1.0266

324 0.5% 0.3% 1.571 11 0.13 0.9461 0.9461 1.0271 1.0271 1.0237

325 0.3% 0.2% 1.361 8 0.11 0.9470 0.9470 0.9926 0.9926 0.9893

330 0.9% 0.5% 0.116 7 0.10 1.1124 1.1124 1.0112 1.0112 1.0079

340 0.7% 0.4% 1.751 21 0.18 0.9228 0.9228 1.0693 1.0300 1.0266

350 0.9% 0.9% 0.470 11 0.13 1.0278 1.0278 0.9558 0.9700 0.9668

370 0.0% 0.0% 0.000 0 0.00 0.9384 0.9384 0.9384 0.9700 0.9668

380 0.3% 0.2% 1.422 6 0.09 0.8394 0.8394 0.8929 0.9700 0.9668

390 0.3% 0.2% 0.773 7 0.10 1.0741 1.0741 1.0447 1.0300 1.0266

401 0.3% 0.2% 0.301 4 0.08 1.1209 1.1209 1.0585 1.0300 1.0266

402 0.3% 0.2% 2.350 11 0.13 0.8324 0.8324 1.0239 1.0239 1.0205

410 0.2% 0.1% 0.797 4 0.08 0.9771 0.9771 0.9625 0.9700 0.9668

420 0.1% 0.1% 1.227 2 0.05 1.0258 1.0258 1.0363 1.0300 1.0266

430 0.9% 0.5% 1.874 18 0.16 0.8894 0.8894 1.0486 1.0300 1.0266

440 0.1% 0.1% 0.099 1 0.04 1.1391 1.1391 1.1022 1.0300 1.0266

460 0.1% 0.0% 1.721 2 0.05 0.9853 0.9853 1.0234 1.0234 1.0200

470 0.6% 0.4% 0.546 8 0.11 1.1596 1.1596 1.0925 1.0300 1.0266

480 0.0% 0.0% 1.527 2 0.05 0.9004 0.9004 0.9337 0.9700 0.9668

490 0.2% 0.1% 0.000 0 0.00 0.9674 0.9674 0.9674 0.9700 0.9668

500 0.1% 0.1% 0.000 0 0.00 0.9691 0.9691 0.9691 0.9700 0.9668

511 0.2% 0.1% 0.933 3 0.06 0.8786 0.8786 0.8821 0.9700 0.9668

512 0.1% 0.1% 1.535 5 0.09 0.8216 0.8216 0.8838 0.9700 0.9668

521 0.4% 0.4% 2.411 13 0.14 0.8819 0.8819 1.0918 1.0300 1.0266

522 0.9% 0.6% 0.510 16 0.15 1.1493 1.1493 1.0518 1.0300 1.0266

531 0.1% 0.1% 0.084 1 0.04 1.2524 1.2524 1.2077 1.0300 1.0266

532 0.4% 0.3% 1.320 7 0.10 1.0371 1.0371 1.0667 1.0300 1.0266

533 0.6% 0.5% 0.815 18 0.16 1.0251 1.0251 0.9909 0.9909 0.9876

534 0.8% 0.5% 0.579 15 0.15 1.1369 1.1369 1.0536 1.0300 1.0266

540 0.7% 0.4% 0.545 9 0.12 1.2321 1.2321 1.1526 1.0300 1.0266

551 0.5% 0.4% 1.563 16 0.16 1.2845 1.2845 1.3278 1.0300 1.0266

552 0.7% 0.4% 2.883 13 0.14 1.0391 1.0391 1.2977 1.0300 1.0266

553 1.2% 0.8% 1.433 34 0.22 1.0765 1.0765 1.1560 1.0300 1.0266

561 0.5% 0.5% 0.771 4 0.08 0.8074 0.8074 0.8045 0.9700 0.9668

562 3.1% 2.3% 0.648 54 0.28 1.1203 1.1203 0.9873 0.9873 0.9840

563 3.1% 1.9% 0.966 68 0.31 1.0418 1.0418 1.0179 1.0179 1.0145

570 0.4% 0.2% 0.252 5 0.08 1.2150 1.2150 1.1342 1.0300 1.0266

581 0.3% 0.3% 0.328 9 0.11 1.5373 1.5373 1.4018 1.0300 1.0266

582 1.6% 1.0% 1.343 42 0.25 1.0767 1.0767 1.1425 1.0300 1.0266

584 1.5% 1.1% 0.728 31 0.21 1.2315 1.2315 1.1247 1.0300 1.0266

590 0.8% 0.7% 0.862 26 0.19 1.0142 1.0142 0.9848 0.9848 0.9815

Exhibit M-4Page 46


Medical/No-Fault Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms


Change (c)


(d)

Formula Indicated

change (e)Capped


Change (g)

MEDNF

601 1.2% 1.5% 1.672 38 0.24 0.9844 0.9844 1.1463 1.0300 1.0266

602 0.3% 0.3% 0.527 6 0.09 0.9049 0.9049 0.8703 0.9700 0.9668

603 1.4% 1.4% 1.170 39 0.24 1.0988 1.0988 1.1158 1.0300 1.0266

604 1.6% 1.5% 1.156 34 0.22 0.9455 0.9455 0.9923 0.9923 0.9890

605 3.2% 2.7% 1.714 73 0.33 0.8645 0.8645 1.1423 1.0300 1.0266

606 3.2% 2.3% 1.308 75 0.33 0.9823 0.9823 1.0902 1.0300 1.0266

611 0.9% 2.1% 2.034 55 0.28 0.8023 0.8023 1.1530 1.0300 1.0266

612 1.0% 1.4% 0.697 25 0.19 0.9712 0.9712 0.9190 0.9700 0.9668

613 1.9% 2.3% 1.022 52 0.27 0.7738 0.7738 0.8420 0.9700 0.9668

614 1.1% 1.1% 0.574 13 0.14 0.9895 0.9895 0.9314 0.9700 0.9668

615 1.3% 1.1% 1.445 30 0.21 0.7799 0.7799 0.9197 0.9700 0.9668

621 0.4% 1.6% 0.802 30 0.21 1.0666 1.0666 1.0109 1.0109 1.0075

622 0.9% 3.0% 0.962 63 0.30 1.0178 1.0178 1.0009 1.0009 0.9976

623 1.6% 4.3% 1.033 89 0.36 0.8702 0.8702 0.9290 0.9700 0.9668

624 0.6% 1.8% 0.686 26 0.19 0.7671 0.7671 0.7512 0.9700 0.9668

625 2.4% 6.5% 0.773 86 0.36 0.8035 0.8035 0.7928 0.9700 0.9668

626 2.4% 5.6% 0.654 81 0.35 0.7876 0.7876 0.7414 0.9700 0.9668

627 0.4% 1.0% 0.303 6 0.10 0.8498 0.8498 0.7971 0.9700 0.9668

628 0.9% 3.3% 1.082 64 0.31 0.9188 0.9188 0.9686 0.9700 0.9668

631 2.3% 2.7% 1.250 65 0.31 1.0021 1.0021 1.0787 1.0300 1.0266

632 3.5% 3.7% 0.760 80 0.34 1.0810 1.0810 0.9711 0.9711 0.9679

633 3.7% 3.0% 1.213 80 0.34 1.1235 1.1235 1.1541 1.0300 1.0266

634 1.0% 0.7% 0.649 17 0.16 1.2093 1.2093 1.1211 1.0300 1.0266

635 1.0% 0.7% 0.822 18 0.16 1.0787 1.0787 1.0374 1.0300 1.0266

641 0.1% 0.1% 0.612 6 0.09 1.5612 1.5612 1.4739 1.0300 1.0266

642 1.0% 0.8% 1.446 20 0.17 1.2913 1.2913 1.3181 1.0300 1.0266

643 0.5% 0.3% 0.532 9 0.11 1.2914 1.2914 1.2046 1.0300 1.0266

644 0.7% 0.4% 1.257 19 0.17 1.1948 1.1948 1.2051 1.0300 1.0266

651 0.5% 0.3% 0.479 7 0.10 1.2277 1.2277 1.1525 1.0300 1.0266

652 0.9% 0.5% 1.563 28 0.20 0.9812 0.9812 1.0994 1.0300 1.0266

661 0.3% 0.2% 0.501 5 0.08 1.5470 1.5470 1.4591 1.0300 1.0266

662 2.1% 1.4% 0.833 33 0.22 1.3382 1.3382 1.2270 1.0300 1.0266

671 0.3% 0.4% 0.496 4 0.07 1.2504 1.2504 1.1943 1.0300 1.0266

672 0.6% 0.6% 0.712 16 0.15 1.1259 1.1259 1.0620 1.0300 1.0266

681 1.4% 1.4% 0.830 28 0.20 1.0566 1.0566 1.0107 1.0107 1.0073

682 0.4% 0.4% 0.364 3 0.06 1.1080 1.1080 1.0603 1.0300 1.0266

691 0.4% 0.5% 0.456 9 0.11 1.2935 1.2935 1.1999 1.0300 1.0266

692 0.6% 0.7% 0.588 10 0.12 1.1715 1.1715 1.1014 1.0300 1.0266

700 0.3% 0.2% 0.036 2 0.05 1.2666 1.2666 1.2015 1.0300 1.0266

710 1.3% 1.2% 0.698 19 0.17 1.1776 1.1776 1.0969 1.0300 1.0266

720 0.5% 0.5% 4.328 13 0.14 1.0275 1.0275 1.4745 1.0300 1.0266

730 0.2% 0.2% 0.550 5 0.09 1.3888 1.3888 1.3158 1.0300 1.0266

740 0.6% 0.4% 2.980 19 0.17 0.9903 0.9903 1.3241 1.0300 1.0266

751 0.6% 0.4% 0.934 15 0.15 1.1034 1.1034 1.0786 1.0300 1.0266

752 1.2% 0.8% 1.042 27 0.20 1.0001 1.0001 1.0086 1.0086 1.0053

760 0.2% 0.2% 0.373 2 0.06 1.2950 1.2950 1.2405 1.0300 1.0266

771 0.8% 0.8% 0.553 15 0.15 1.1567 1.1567 1.0659 1.0300 1.0266

772 0.7% 0.7% 0.811 18 0.16 1.1477 1.1477 1.0938 1.0300 1.0266

773 1.2% 1.1% 0.947 38 0.24 0.9630 0.9630 0.9592 0.9700 0.9668

774 1.9% 1.3% 0.748 29 0.21 1.1262 1.1262 1.0476 1.0300 1.0266

775 3.0% 1.9% 1.391 49 0.27 0.8787 0.8787 1.0157 1.0157 1.0123

Total 100.0% 100.0% 1.000 2,378 1.0000 1.0000 1.0132 1.0033 1.0000

2,378


(g) (11) = (10) / (10)Total


Uninsured Motorist Bodily Injury Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms


Change (c)


(d)

Formula Indicated

change (e)Capped


Change (g)

UM

111 1.4% 1.0% 4.427 4 0.08 0.8912 0.8912 1.1766 1.0300 1.0388

112 1.7% 1.3% 0.000 0 0.00 0.9299 0.9299 0.9299 0.9700 0.9783

120 0.4% 0.2% 0.000 0 0.00 1.0503 1.0503 1.0503 1.0300 1.0388

130 0.2% 0.1% 0.000 0 0.00 1.0682 1.0682 1.0682 1.0300 1.0388

140 0.5% 0.3% 0.000 0 0.00 1.0163 1.0163 1.0163 1.0163 1.0250

160 0.3% 0.2% 0.000 0 0.00 0.9425 0.9425 0.9425 0.9700 0.9783

171 0.5% 0.5% 0.000 0 0.00 0.8399 0.8399 0.8399 0.9700 0.9783

172 1.6% 1.4% 0.000 0 0.00 0.9326 0.9326 0.9326 0.9700 0.9783

173 0.4% 0.3% 0.000 0 0.00 0.9580 0.9580 0.9580 0.9700 0.9783

180 1.7% 1.4% 0.715 4 0.07 0.9076 0.9076 0.8937 0.9700 0.9783

191 0.2% 0.1% 0.000 0 0.00 0.9453 0.9453 0.9453 0.9700 0.9783

192 0.1% 0.1% 0.000 0 0.00 1.0646 1.0646 1.0646 1.0300 1.0388

200 1.3% 0.8% 2.613 4 0.07 1.0229 1.0229 1.1421 1.0300 1.0388

210 1.1% 0.7% 0.000 0 0.00 0.9704 0.9704 0.9704 0.9704 0.9787

220 0.9% 0.6% 1.808 1 0.03 1.0132 1.0132 1.0404 1.0300 1.0388

230 0.2% 0.1% 0.000 0 0.00 1.1760 1.1760 1.1760 1.0300 1.0388

240 0.6% 0.4% 5.688 3 0.07 1.0400 1.0400 1.3484 1.0300 1.0388

250 0.7% 0.4% 2.657 1 0.04 1.0901 1.0901 1.1509 1.0300 1.0388

290 0.4% 0.3% 0.000 0 0.00 1.0068 1.0068 1.0068 1.0068 1.0154

300 0.4% 0.3% 4.127 1 0.03 0.9565 0.9565 1.0652 1.0300 1.0388

310 0.1% 0.1% 0.000 0 0.00 1.0611 1.0611 1.0611 1.0300 1.0388

321 0.1% 0.1% 0.000 0 0.00 0.6816 0.6816 0.6816 0.9700 0.9783

322 0.4% 0.4% 0.011 1 0.04 0.7473 0.7473 0.7189 0.9700 0.9783

323 0.2% 0.1% 0.000 0 0.00 0.8712 0.8712 0.8712 0.9700 0.9783

324 0.5% 0.5% 0.000 0 0.00 0.8282 0.8282 0.8282 0.9700 0.9783

325 0.3% 0.3% 0.000 0 0.00 0.8587 0.8587 0.8587 0.9700 0.9783

330 1.0% 0.6% 0.000 0 0.00 1.0491 1.0491 1.0491 1.0300 1.0388

340 0.7% 0.4% 0.000 0 0.00 0.9448 0.9448 0.9448 0.9700 0.9783

350 1.0% 0.5% 0.000 0 0.00 1.1955 1.1955 1.1955 1.0300 1.0388

370 0.0% 0.0% 0.000 0 0.00 1.2397 1.2397 1.2397 1.0300 1.0388

380 0.3% 0.3% 0.057 1 0.04 0.8197 0.8197 0.7898 0.9700 0.9783

390 0.4% 0.2% 0.000 0 0.00 0.8243 0.8243 0.8243 0.9700 0.9783

401 0.4% 0.3% 0.000 0 0.00 0.8877 0.8877 0.8877 0.9700 0.9783

402 0.3% 0.2% 2.676 2 0.06 0.9344 0.9344 1.0308 1.0300 1.0388

410 0.2% 0.1% 0.000 0 0.00 0.9984 0.9984 0.9984 0.9984 1.0069

420 0.1% 0.1% 15.589 1 0.05 1.1116 1.1116 1.7854 1.0300 1.0388

430 1.0% 0.7% 1.618 1 0.04 0.9495 0.9495 0.9757 0.9757 0.9841

440 0.1% 0.1% 0.000 0 0.00 1.1424 1.1424 1.1424 1.0300 1.0388

460 0.1% 0.1% 0.000 0 0.00 0.9858 0.9858 0.9858 0.9858 0.9943

470 0.6% 0.3% 0.000 0 0.00 1.0491 1.0491 1.0491 1.0300 1.0388

480 0.0% 0.0% 0.000 0 0.00 0.9993 0.9993 0.9993 0.9993 1.0079

490 0.2% 0.2% 0.000 0 0.00 0.9959 0.9959 0.9959 0.9959 1.0045

500 0.1% 0.1% 0.000 0 0.00 0.8442 0.8442 0.8442 0.9700 0.9783

511 0.2% 0.1% 0.000 0 0.00 1.0222 1.0222 1.0222 1.0222 1.0310

512 0.1% 0.1% 0.000 0 0.00 0.9257 0.9257 0.9257 0.9700 0.9783

521 0.4% 0.5% 1.481 1 0.03 0.7474 0.7474 0.7714 0.9700 0.9783

522 0.9% 0.8% 0.150 2 0.05 0.8437 0.8437 0.8112 0.9700 0.9783

531 0.1% 0.1% 0.000 0 0.00 0.6179 0.6179 0.6179 0.9700 0.9783

532 0.4% 0.4% 0.016 1 0.04 0.7207 0.7207 0.6895 0.9700 0.9783

533 0.7% 0.5% 0.000 0 0.00 0.8127 0.8127 0.8127 0.9700 0.9783

534 0.8% 0.6% 1.685 2 0.06 0.8770 0.8770 0.9228 0.9700 0.9783

540 0.7% 0.5% 0.589 1 0.04 0.8862 0.8862 0.8753 0.9700 0.9783

551 0.5% 0.5% 5.891 1 0.04 0.7208 0.7208 0.9067 0.9700 0.9783

552 0.7% 0.6% 0.377 1 0.03 0.8726 0.8726 0.8556 0.9700 0.9783

553 1.2% 1.0% 2.084 4 0.08 0.8648 0.8648 0.9591 0.9700 0.9783

561 0.6% 0.6% 0.000 0 0.00 0.9462 0.9462 0.9462 0.9700 0.9783

562 3.3% 3.6% 0.179 11 0.13 0.8663 0.8663 0.7775 0.9700 0.9783

563 3.3% 3.0% 0.799 3 0.07 0.9110 0.9110 0.9034 0.9700 0.9783

570 0.4% 0.3% 0.000 0 0.00 0.8364 0.8364 0.8364 0.9700 0.9783

581 0.3% 0.3% 0.000 0 0.00 0.5899 0.5899 0.5899 0.9700 0.9783

582 1.6% 1.4% 3.169 5 0.08 0.7483 0.7483 0.9521 0.9700 0.9783

584 1.6% 1.4% 0.005 1 0.04 0.8757 0.8757 0.8442 0.9700 0.9783

590 0.8% 0.7% 1.486 1 0.05 0.9315 0.9315 0.9572 0.9700 0.9783

Exhibit M-5Page 47


Uninsured Motorist Bodily Injury Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms


Change (c)


(d)

Formula Indicated

change (e)Capped


Change (g)

UM

601 1.1% 1.8% 0.417 11 0.13 0.9905 0.9905 0.9169 0.9700 0.9783

602 0.3% 0.4% 0.000 0 0.00 0.9040 0.9040 0.9040 0.9700 0.9783

603 1.4% 1.6% 0.593 8 0.11 0.8883 0.8883 0.8566 0.9700 0.9783

604 1.7% 2.0% 3.257 12 0.13 0.8581 0.8581 1.1771 1.0300 1.0388

605 3.3% 3.6% 3.511 19 0.17 0.9397 0.9397 1.3685 1.0300 1.0388

606 3.4% 3.3% 0.681 8 0.11 0.9201 0.9201 0.8939 0.9700 0.9783

611 0.7% 1.2% 2.479 18 0.16 0.9996 0.9996 1.2389 1.0300 1.0388

612 0.9% 1.2% 0.562 7 0.10 1.0259 1.0259 0.9788 0.9788 0.9871

613 1.9% 2.3% 0.598 6 0.10 0.9581 0.9581 0.9234 0.9700 0.9783

614 1.1% 1.4% 0.977 3 0.06 0.9464 0.9464 0.9484 0.9700 0.9783

615 1.4% 1.6% 0.369 5 0.09 0.9846 0.9846 0.9297 0.9700 0.9783

621 0.1% 0.2% 0.942 3 0.07 1.5541 1.5541 1.5128 1.0300 1.0388

622 0.6% 1.2% 0.758 9 0.12 1.7829 1.7829 1.6636 1.0300 1.0388

623 0.9% 1.4% 2.922 23 0.19 1.5923 1.5923 1.8383 1.0300 1.0388

624 0.5% 0.8% 0.213 4 0.08 1.8583 1.8583 1.7278 1.0300 1.0388

625 1.8% 2.4% 1.408 18 0.16 1.7129 1.7129 1.6632 1.0300 1.0388

626 2.1% 2.9% 0.970 17 0.16 1.7634 1.7634 1.6375 1.0300 1.0388

627 0.4% 0.6% 0.561 2 0.06 1.2554 1.2554 1.2169 1.0300 1.0388

628 0.5% 1.0% 3.186 8 0.11 1.6757 1.6757 1.8373 1.0300 1.0388

631 2.2% 2.6% 0.261 6 0.09 1.2226 1.2226 1.1325 1.0300 1.0388

632 3.6% 3.9% 0.666 12 0.13 1.1918 1.1918 1.1226 1.0300 1.0388

633 3.9% 4.2% 0.615 3 0.07 1.0059 1.0059 0.9796 0.9796 0.9880

634 1.1% 1.1% 3.953 5 0.09 1.0056 1.0056 1.2640 1.0300 1.0388

635 1.0% 0.8% 1.061 2 0.06 1.1610 1.1610 1.1551 1.0300 1.0388

641 0.1% 0.1% 0.000 0 0.00 0.5919 0.5919 0.5919 0.9700 0.9783

642 1.0% 1.1% 0.009 1 0.03 0.7147 0.7147 0.6915 0.9700 0.9783

643 0.5% 0.5% 0.000 0 0.00 0.7973 0.7973 0.7973 0.9700 0.9783

644 0.7% 0.6% 0.000 0 0.00 0.9336 0.9336 0.9336 0.9700 0.9783

651 0.5% 0.5% 0.000 0 0.00 0.8355 0.8355 0.8355 0.9700 0.9783

652 0.9% 0.9% 2.420 3 0.07 0.8528 0.8528 0.9557 0.9700 0.9783

661 0.3% 0.3% 0.000 0 0.00 0.7825 0.7825 0.7825 0.9700 0.9783

662 2.1% 2.2% 0.293 2 0.05 0.7611 0.7611 0.7387 0.9700 0.9783

671 0.3% 0.4% 0.000 0 0.00 0.7716 0.7716 0.7716 0.9700 0.9783

672 0.5% 0.4% 0.000 0 0.00 0.9976 0.9976 0.9976 0.9976 1.0061

681 1.4% 1.7% 0.102 2 0.05 0.8643 0.8643 0.8256 0.9700 0.9783

682 0.4% 0.5% 2.129 1 0.04 0.9144 0.9144 0.9570 0.9700 0.9783

691 0.4% 0.6% 0.000 0 0.00 0.6515 0.6515 0.6515 0.9700 0.9783

692 0.6% 0.8% 0.363 1 0.04 0.7062 0.7062 0.6912 0.9700 0.9783

700 0.3% 0.2% 0.000 0 0.00 0.8580 0.8580 0.8580 0.9700 0.9783

710 1.4% 1.6% 0.045 0 0.02 0.8670 0.8670 0.8508 0.9700 0.9783

720 0.5% 0.7% 0.000 0 0.00 0.7078 0.7078 0.7078 0.9700 0.9783

730 0.2% 0.2% 0.000 0 0.00 0.7895 0.7895 0.7895 0.9700 0.9783

740 0.6% 0.5% 3.727 2 0.06 0.9525 0.9525 1.1052 1.0300 1.0388

751 0.6% 0.5% 0.000 0 0.00 0.8863 0.8863 0.8863 0.9700 0.9783

752 1.3% 1.3% 0.783 2 0.06 0.9289 0.9289 0.9202 0.9700 0.9783

760 0.2% 0.2% 0.000 0 0.00 0.7695 0.7695 0.7695 0.9700 0.9783

771 0.9% 1.1% 0.000 0 0.00 0.7773 0.7773 0.7773 0.9700 0.9783

772 0.7% 0.8% 0.996 4 0.08 0.8663 0.8663 0.8768 0.9700 0.9783

773 1.3% 1.2% 0.042 1 0.05 0.9104 0.9104 0.8702 0.9700 0.9783

774 2.1% 1.8% 0.179 2 0.06 0.9090 0.9090 0.8671 0.9700 0.9783

775 3.2% 2.8% 1.335 4 0.08 1.0051 1.0051 1.0311 1.0300 1.0388

Total 100.0% 100.0% 1.000 296 1.0000 1.0000 1.0193 0.9915 1.0000

296


(g) (11) = (10) / (10)Total

Exhibit M-5Page 48

Exhibit M-6Page 49


Comprehensive Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms

(a)LR Cred

(b)Industry Ind

Rel Change (c)

Normalized Industry

Indicated (d)Formula Indicated

change (e)Capped

Change (f)

Final Indicated

Change (g)

Comp

111 1.4% 2.1% 1.522 164 0.49 0.8896 0.8896 1.2001 1.0300 1.0236

112 1.8% 1.8% 1.153 136 0.45 0.9786 0.9786 1.0566 1.0300 1.0236

120 0.4% 0.7% 1.829 69 0.32 0.8814 0.8814 1.1833 1.0300 1.0236

130 0.2% 0.3% 1.117 22 0.18 0.9728 0.9728 0.9988 0.9988 0.9926

140 0.5% 0.9% 1.654 63 0.30 0.8648 0.8648 1.1048 1.0300 1.0236

160 0.3% 0.5% 1.671 32 0.22 0.8084 0.8084 0.9958 0.9958 0.9896

171 0.4% 0.6% 0.873 33 0.22 0.9675 0.9675 0.9468 0.9700 0.9639

172 1.5% 1.6% 0.883 86 0.36 1.0210 1.0210 0.9721 0.9721 0.9660

173 0.4% 0.4% 0.817 23 0.18 1.1611 1.1611 1.0978 1.0300 1.0236

180 1.5% 1.7% 1.279 89 0.36 0.9494 0.9494 1.0685 1.0300 1.0236

191 0.2% 0.2% 1.348 19 0.17 0.9422 0.9422 1.0098 1.0098 1.0035

192 0.1% 0.2% 0.366 6 0.09 1.1315 1.1315 1.0600 1.0300 1.0236

200 1.2% 1.4% 1.501 108 0.40 0.9858 0.9858 1.1902 1.0300 1.0236

210 1.0% 1.5% 1.271 109 0.40 1.0062 1.0062 1.1122 1.0300 1.0236

220 0.8% 1.4% 1.142 78 0.34 0.9434 0.9434 1.0105 1.0105 1.0042

230 0.2% 0.3% 1.940 29 0.21 0.8660 0.8660 1.0878 1.0300 1.0236

240 0.6% 0.8% 1.032 54 0.28 1.0629 1.0629 1.0541 1.0300 1.0236

250 0.7% 1.1% 1.780 121 0.42 0.8358 0.8358 1.2338 1.0300 1.0236

290 0.4% 0.6% 0.958 45 0.26 1.0729 1.0729 1.0433 1.0300 1.0236

300 0.3% 0.6% 0.799 33 0.22 1.0993 1.0993 1.0333 1.0300 1.0236

310 0.1% 0.2% 0.383 4 0.08 1.1652 1.1652 1.1054 1.0300 1.0236

321 0.1% 0.1% 0.486 3 0.07 1.2128 1.2128 1.1647 1.0300 1.0236

322 0.4% 0.3% 1.144 22 0.18 1.0227 1.0227 1.0446 1.0300 1.0236

323 0.2% 0.3% 1.206 22 0.18 0.9733 0.9733 1.0150 1.0150 1.0087

324 0.5% 0.4% 0.877 19 0.17 1.1815 1.1815 1.1307 1.0300 1.0236

325 0.3% 0.4% 1.434 30 0.21 0.9482 0.9482 1.0501 1.0300 1.0236

330 0.9% 0.8% 0.588 37 0.23 1.2263 1.2263 1.0773 1.0300 1.0236

340 0.7% 0.7% 1.033 38 0.24 1.0677 1.0677 1.0594 1.0300 1.0236

350 0.9% 1.4% 1.677 110 0.40 0.8229 0.8229 1.1662 1.0300 1.0236

370 0.0% 0.1% 0.054 1 0.04 0.9727 0.9727 0.9378 0.9700 0.9639

380 0.3% 0.3% 1.164 19 0.17 0.8645 0.8645 0.9146 0.9700 0.9639

390 0.3% 0.3% 0.756 19 0.17 1.1448 1.1448 1.0799 1.0300 1.0236

401 0.4% 0.3% 2.253 38 0.24 0.9398 0.9398 1.2500 1.0300 1.0236

402 0.3% 0.2% 1.039 20 0.17 1.0520 1.0520 1.0498 1.0300 1.0236

410 0.2% 0.2% 1.730 12 0.13 0.9640 0.9640 1.0656 1.0300 1.0236

420 0.1% 0.1% 1.441 13 0.14 0.8605 0.8605 0.9406 0.9700 0.9639

430 1.0% 1.1% 1.615 118 0.42 0.9575 0.9575 1.2311 1.0300 1.0236

440 0.1% 0.1% 0.702 7 0.10 1.1377 1.1377 1.0933 1.0300 1.0236

460 0.1% 0.1% 2.904 8 0.11 0.8065 0.8065 1.0341 1.0300 1.0236

470 0.6% 0.7% 1.109 33 0.22 0.9939 0.9939 1.0193 1.0193 1.0129

480 0.0% 0.1% 3.691 4 0.08 0.7430 0.7430 0.9680 0.9700 0.9639

490 0.2% 0.2% 1.058 14 0.14 1.0267 1.0267 1.0312 1.0300 1.0236

500 0.1% 0.1% 0.448 4 0.08 1.1480 1.1480 1.0943 1.0300 1.0236

511 0.1% 0.1% 1.762 9 0.11 0.8083 0.8083 0.9175 0.9700 0.9639

512 0.1% 0.1% 2.749 13 0.14 0.7830 0.7830 1.0546 1.0300 1.0236

521 0.3% 0.3% 0.516 17 0.16 1.2537 1.2537 1.1371 1.0300 1.0236

522 0.9% 0.8% 1.569 72 0.33 0.8554 0.8554 1.0875 1.0300 1.0236

531 0.1% 0.0% 0.459 3 0.07 1.2997 1.2997 1.2443 1.0300 1.0236

532 0.4% 0.3% 0.405 16 0.15 1.1967 1.1967 1.0754 1.0300 1.0236

533 0.6% 0.5% 0.853 23 0.18 1.0307 1.0307 0.9980 0.9980 0.9918

534 0.7% 0.6% 1.345 48 0.27 0.8918 0.8918 1.0122 1.0122 1.0059

540 0.7% 0.7% 1.579 64 0.31 0.8666 0.8666 1.0853 1.0300 1.0236

551 0.4% 0.3% 1.008 15 0.15 1.0907 1.0907 1.0784 1.0300 1.0236

552 0.6% 0.4% 1.044 17 0.16 1.0801 1.0801 1.0744 1.0300 1.0236

553 1.2% 0.8% 0.688 44 0.25 1.1117 1.1117 1.0041 1.0041 0.9978

561 0.6% 0.5% 1.276 30 0.21 0.9817 0.9817 1.0435 1.0300 1.0236

562 3.2% 3.1% 0.874 157 0.48 1.0230 1.0230 0.9516 0.9700 0.9639

563 3.3% 3.0% 1.216 191 0.53 0.9013 0.9013 1.0676 1.0300 1.0236

570 0.4% 0.3% 1.630 16 0.15 0.8715 0.8715 0.9876 0.9876 0.9814

581 0.2% 0.3% 0.790 14 0.14 0.9906 0.9906 0.9619 0.9700 0.9639

Exhibit M-6Page 50


Comprehensive Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms

(a)LR Cred

(b)Industry Ind

Rel Change (c)

Normalized Industry

Indicated (d)Formula Indicated

change (e)Capped

Change (f)

Final Indicated

Change (g)

Comp

582 1.6% 1.6% 0.843 126 0.43 0.9828 0.9828 0.9226 0.9700 0.9639

584 1.5% 1.5% 0.810 87 0.36 0.9952 0.9952 0.9288 0.9700 0.9639

590 0.7% 0.7% 1.905 69 0.32 0.8588 0.8588 1.1919 1.0300 1.0236

601 1.2% 0.9% 0.581 22 0.18 1.3169 1.3169 1.1847 1.0300 1.0236

602 0.3% 0.2% 0.544 12 0.13 1.2440 1.2440 1.1511 1.0300 1.0236

603 1.4% 1.0% 0.503 42 0.25 1.2574 1.2574 1.0700 1.0300 1.0236

604 1.7% 1.2% 0.524 54 0.28 1.2474 1.2474 1.0437 1.0300 1.0236

605 3.5% 2.4% 0.939 112 0.40 1.0504 1.0504 1.0053 1.0053 0.9990

606 3.5% 2.7% 1.171 191 0.53 0.9771 0.9771 1.0797 1.0300 1.0236

611 0.7% 1.2% 0.412 27 0.20 1.0724 1.0724 0.9408 0.9700 0.9639

612 0.9% 0.8% 0.876 32 0.22 1.0063 1.0063 0.9779 0.9779 0.9718

613 1.9% 1.7% 0.900 89 0.36 1.0146 1.0146 0.9730 0.9730 0.9669

614 1.1% 0.8% 0.587 47 0.26 1.2291 1.2291 1.0605 1.0300 1.0236

615 1.3% 1.2% 1.246 65 0.31 0.8616 0.8616 0.9805 0.9805 0.9744

621 0.2% 0.7% 0.431 9 0.11 0.8546 0.8546 0.8061 0.9700 0.9639

622 0.8% 1.8% 0.721 32 0.22 0.7182 0.7182 0.7189 0.9700 0.9639

623 1.2% 2.4% 0.348 42 0.25 1.0089 1.0089 0.8450 0.9700 0.9639

624 0.6% 1.1% 0.560 22 0.18 0.8140 0.8140 0.7685 0.9700 0.9639

625 2.3% 2.3% 0.518 43 0.25 1.0527 1.0527 0.9187 0.9700 0.9639

626 2.4% 2.5% 0.494 60 0.30 1.0683 1.0683 0.8979 0.9700 0.9639

627 0.4% 0.4% 0.310 20 0.17 1.1644 1.1644 1.0185 1.0185 1.0121

628 0.6% 1.6% 0.755 33 0.22 0.6679 0.6679 0.6870 0.9700 0.9639

631 2.2% 1.6% 0.569 68 0.32 1.2019 1.2019 1.0022 1.0022 0.9959

632 3.5% 2.4% 0.858 127 0.43 1.0400 1.0400 0.9613 0.9700 0.9639

633 3.9% 3.0% 0.995 167 0.49 1.0016 1.0016 0.9982 0.9982 0.9920

634 1.1% 0.9% 0.692 33 0.22 1.1480 1.1480 1.0476 1.0300 1.0236

635 1.0% 0.9% 1.090 46 0.26 0.9391 0.9391 0.9784 0.9784 0.9723

641 0.1% 0.1% 0.650 3 0.07 1.1546 1.1546 1.1211 1.0300 1.0236

642 1.0% 0.9% 0.784 45 0.26 1.0342 1.0342 0.9699 0.9700 0.9639

643 0.5% 0.4% 0.905 23 0.18 1.0651 1.0651 1.0357 1.0300 1.0236

644 0.7% 0.6% 0.833 38 0.24 1.0077 1.0077 0.9666 0.9700 0.9639

651 0.5% 0.5% 0.564 30 0.21 1.2194 1.2194 1.0817 1.0300 1.0236

652 0.9% 0.8% 0.738 49 0.27 1.0909 1.0909 0.9961 0.9961 0.9899

661 0.2% 0.2% 0.911 9 0.12 0.8974 0.8974 0.8990 0.9700 0.9639

662 2.1% 1.7% 0.943 96 0.38 1.0137 1.0137 0.9870 0.9870 0.9808

671 0.3% 0.4% 0.936 20 0.17 0.9745 0.9745 0.9680 0.9700 0.9639

672 0.5% 0.6% 0.839 26 0.20 0.8925 0.8925 0.8820 0.9700 0.9639

681 1.3% 1.3% 1.417 87 0.36 0.9164 0.9164 1.0952 1.0300 1.0236

682 0.5% 0.4% 1.367 36 0.23 0.9026 0.9026 1.0093 1.0093 1.0030

691 0.4% 0.5% 0.687 20 0.17 1.2447 1.2447 1.1489 1.0300 1.0236

692 0.6% 0.6% 1.286 35 0.23 0.9779 0.9779 1.0476 1.0300 1.0236

700 0.3% 0.4% 2.113 36 0.23 0.7999 0.7999 1.1021 1.0300 1.0236

710 1.4% 1.3% 1.301 96 0.38 0.9589 0.9589 1.0872 1.0300 1.0236

720 0.5% 0.7% 0.609 42 0.25 1.1276 1.1276 0.9986 0.9986 0.9924

730 0.2% 0.3% 1.430 22 0.18 0.8519 0.8519 0.9560 0.9700 0.9639

740 0.5% 0.9% 1.349 60 0.30 0.9320 0.9320 1.0558 1.0300 1.0236

751 0.6% 0.7% 1.625 51 0.27 0.8215 0.8215 1.0415 1.0300 1.0236

752 1.3% 1.4% 0.892 74 0.33 0.9751 0.9751 0.9477 0.9700 0.9639

760 0.2% 0.3% 1.150 14 0.14 0.8034 0.8034 0.8530 0.9700 0.9639

771 0.8% 0.8% 1.123 50 0.27 0.9944 0.9944 1.0293 1.0293 1.0229

772 0.7% 0.7% 1.163 43 0.25 0.9988 0.9988 1.0400 1.0300 1.0236

773 1.3% 1.2% 0.621 63 0.30 1.1829 1.1829 1.0120 1.0120 1.0056

774 2.1% 1.6% 0.819 96 0.38 1.1674 1.1674 1.0366 1.0300 1.0236

775 3.3% 2.4% 1.118 174 0.51 1.0780 1.0780 1.0984 1.0300 1.0236

Total 100.0% 100.0% 1.000 5,692 1.0000 1.0000 1.0238 1.0063 1.0000

5,692


(g) (11) = (10) / (10)Total

Exhibit M-7Page 51


Collision Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms


Change (c)


(d)

Formula Indicated

change (e)Capped


Change (g)

Coll

111 1.4% 1.2% 0.944 78 0.34 1.1582 1.1582 1.0859 1.0300 1.0318

112 1.8% 1.4% 0.936 95 0.37 1.1182 1.1182 1.0501 1.0300 1.0318

120 0.4% 0.4% 0.438 15 0.15 1.3699 1.3699 1.2326 1.0300 1.0318

130 0.2% 0.1% 1.084 13 0.14 1.1465 1.1465 1.1380 1.0300 1.0318

140 0.4% 0.4% 0.982 20 0.17 1.2071 1.2071 1.1688 1.0300 1.0318

160 0.3% 0.3% 1.273 19 0.17 1.1172 1.1172 1.1432 1.0300 1.0318

171 0.4% 0.4% 0.888 28 0.20 1.0253 1.0253 0.9974 0.9974 0.9991

172 1.5% 1.4% 0.932 99 0.38 1.0392 1.0392 0.9983 0.9983 1.0000

173 0.4% 0.4% 0.875 27 0.20 1.0546 1.0546 1.0190 1.0190 1.0207

180 1.5% 1.4% 0.681 82 0.35 1.2211 1.2211 1.0343 1.0300 1.0318

191 0.1% 0.1% 1.975 7 0.10 1.0635 1.0635 1.1590 1.0300 1.0318

192 0.1% 0.1% 1.499 4 0.07 0.9301 0.9301 0.9721 0.9721 0.9737

200 1.2% 1.0% 1.009 64 0.31 1.0846 1.0846 1.0616 1.0300 1.0318

210 1.0% 0.8% 0.763 57 0.29 1.3041 1.3041 1.1474 1.0300 1.0318

220 0.8% 0.6% 0.949 41 0.25 1.2199 1.2199 1.1532 1.0300 1.0318

230 0.2% 0.1% 0.902 9 0.11 1.2249 1.2249 1.1882 1.0300 1.0318

240 0.6% 0.4% 1.221 28 0.20 1.0662 1.0662 1.0974 1.0300 1.0318

250 0.6% 0.5% 0.872 36 0.23 1.2456 1.2456 1.1602 1.0300 1.0318

290 0.3% 0.2% 0.603 13 0.14 1.3537 1.3537 1.2513 1.0300 1.0318

300 0.3% 0.2% 0.431 11 0.13 1.3478 1.3478 1.2326 1.0300 1.0318

310 0.1% 0.1% 1.892 13 0.14 0.8856 0.8856 1.0220 1.0220 1.0237

321 0.1% 0.1% 1.046 18 0.16 0.8338 0.8338 0.8679 0.9700 0.9717

322 0.4% 0.4% 1.195 36 0.23 0.8519 0.8519 0.9304 0.9700 0.9717

323 0.2% 0.2% 0.775 14 0.14 1.1579 1.1579 1.1029 1.0300 1.0318

324 0.5% 0.5% 1.111 36 0.23 0.8968 0.8968 0.9461 0.9700 0.9717

325 0.3% 0.3% 1.071 27 0.20 1.0279 1.0279 1.0364 1.0300 1.0318

330 0.9% 0.7% 0.803 48 0.26 1.0613 1.0613 0.9931 0.9931 0.9948

340 0.6% 0.5% 0.709 29 0.21 1.1515 1.1515 1.0596 1.0300 1.0318

350 0.8% 0.6% 0.947 40 0.24 1.2188 1.2188 1.1531 1.0300 1.0318

370 0.0% 0.0% 0.000 0 0.00 1.2948 1.2948 1.2948 1.0300 1.0318

380 0.3% 0.2% 0.875 16 0.15 0.9621 0.9621 0.9488 0.9700 0.9717

390 0.3% 0.2% 1.652 21 0.18 0.8821 0.8821 1.0185 1.0185 1.0202

401 0.4% 0.3% 0.776 29 0.20 0.9641 0.9641 0.9257 0.9700 0.9717

402 0.3% 0.2% 0.368 12 0.13 1.1332 1.1332 1.0338 1.0300 1.0318

410 0.2% 0.1% 1.120 8 0.11 0.9555 0.9555 0.9732 0.9732 0.9748

420 0.1% 0.1% 0.121 1 0.04 1.2216 1.2216 1.1787 1.0300 1.0318

430 0.9% 0.7% 1.136 45 0.26 1.1365 1.1365 1.1363 1.0300 1.0318

440 0.1% 0.1% 0.598 7 0.10 1.2145 1.2145 1.1529 1.0300 1.0318

460 0.1% 0.1% 2.472 2 0.05 0.8653 0.8653 0.9490 0.9700 0.9717

470 0.5% 0.4% 1.373 40 0.24 0.8917 0.8917 1.0079 1.0079 1.0096

480 0.0% 0.0% 0.766 2 0.05 1.0791 1.0791 1.0627 1.0300 1.0318

490 0.2% 0.2% 0.977 13 0.14 1.0039 1.0039 1.0002 1.0002 1.0019

500 0.1% 0.1% 0.009 1 0.04 1.2414 1.2414 1.1934 1.0300 1.0318

511 0.1% 0.1% 0.320 4 0.07 1.1513 1.1513 1.0897 1.0300 1.0318

512 0.1% 0.1% 0.589 5 0.09 1.1921 1.1921 1.1381 1.0300 1.0318

521 0.3% 0.4% 0.849 33 0.22 0.9166 0.9166 0.9017 0.9700 0.9717

522 0.9% 0.8% 1.346 60 0.30 0.7979 0.7979 0.9600 0.9700 0.9717

531 0.1% 0.1% 0.631 4 0.08 1.1396 1.1396 1.1005 1.0300 1.0318

532 0.4% 0.3% 1.304 27 0.20 0.8488 0.8488 0.9393 0.9700 0.9717

533 0.6% 0.5% 1.045 43 0.25 0.9127 0.9127 0.9458 0.9700 0.9717

534 0.7% 0.6% 0.932 46 0.26 0.9452 0.9452 0.9419 0.9700 0.9717

540 0.7% 0.5% 1.021 37 0.23 1.0674 1.0674 1.0567 1.0300 1.0318

551 0.5% 0.5% 1.107 40 0.24 0.8754 0.8754 0.9314 0.9700 0.9717

552 0.6% 0.5% 1.299 55 0.28 0.8321 0.8321 0.9646 0.9700 0.9717

553 1.1% 0.9% 0.806 64 0.31 1.0364 1.0364 0.9658 0.9700 0.9717

561 0.6% 0.6% 0.646 36 0.23 1.1045 1.1045 0.9996 0.9996 1.0013

562 3.3% 3.4% 1.116 242 0.60 0.9427 0.9427 1.0457 1.0300 1.0318

563 3.4% 3.1% 0.853 211 0.56 1.0935 1.0935 0.9596 0.9700 0.9717

570 0.4% 0.3% 0.515 19 0.17 1.0687 1.0687 0.9760 0.9760 0.9777

581 0.2% 0.4% 0.509 25 0.19 1.0255 1.0255 0.9265 0.9700 0.9717

582 1.6% 1.5% 0.966 108 0.40 0.9906 0.9906 0.9806 0.9806 0.9823

584 1.5% 1.3% 1.218 101 0.39 0.9217 0.9217 1.0359 1.0300 1.0318

590 0.7% 0.6% 1.134 54 0.28 1.0056 1.0056 1.0415 1.0300 1.0318

Exhibit M-7Page 52


Collision Coverage


(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


(a)Ult Clms


Change (c)


(d)

Formula Indicated

change (e)Capped


Change (g)

Coll

601 1.2% 1.5% 0.901 110 0.40 0.9979 0.9979 0.9591 0.9700 0.9717

602 0.3% 0.3% 0.819 21 0.17 1.0275 1.0275 0.9914 0.9914 0.9930

603 1.4% 1.5% 0.946 116 0.41 0.9923 0.9923 0.9733 0.9733 0.9750

604 1.8% 1.8% 1.112 156 0.48 0.9010 0.9010 1.0017 1.0017 1.0034

605 3.6% 3.3% 0.916 246 0.60 1.0119 1.0119 0.9545 0.9700 0.9717

606 3.6% 3.2% 1.071 237 0.59 0.9739 0.9739 1.0311 1.0300 1.0318

611 0.8% 1.2% 1.264 131 0.44 0.9037 0.9037 1.0619 1.0300 1.0318

612 1.0% 1.2% 1.251 102 0.39 0.8460 0.8460 1.0028 1.0028 1.0046

613 2.0% 2.2% 1.081 150 0.47 0.9260 0.9260 0.9986 0.9986 1.0003

614 1.2% 1.2% 0.916 96 0.38 1.0117 1.0117 0.9756 0.9756 0.9773

615 1.4% 1.5% 1.120 118 0.42 0.9227 0.9227 1.0047 1.0047 1.0064

621 0.2% 0.5% 1.482 55 0.28 0.9098 0.9098 1.0719 1.0300 1.0318

622 0.8% 1.5% 1.084 137 0.45 0.9398 0.9398 1.0041 1.0041 1.0059

623 1.3% 2.2% 1.114 203 0.55 0.9284 0.9284 1.0296 1.0296 1.0313

624 0.6% 0.9% 1.143 88 0.36 0.9053 0.9053 0.9905 0.9905 0.9922

625 2.3% 3.1% 0.998 250 0.61 0.9589 0.9589 0.9827 0.9827 0.9844

626 2.5% 3.3% 1.071 279 0.64 0.8871 0.8871 1.0051 1.0051 1.0068

627 0.4% 0.5% 0.901 37 0.23 0.9821 0.9821 0.9633 0.9700 0.9717

628 0.7% 1.4% 1.421 139 0.45 0.8363 0.8363 1.1001 1.0300 1.0318

631 2.3% 2.4% 0.842 169 0.50 1.0567 1.0567 0.9497 0.9700 0.9717

632 3.5% 3.5% 0.920 263 0.62 0.9622 0.9622 0.9358 0.9700 0.9717

633 4.0% 3.9% 1.095 289 0.65 0.9402 0.9402 1.0407 1.0300 1.0318

634 1.1% 1.0% 0.847 64 0.31 1.0891 1.0891 1.0149 1.0149 1.0166

635 1.0% 0.8% 0.891 63 0.30 1.0705 1.0705 1.0161 1.0161 1.0178

641 0.1% 0.1% 0.999 13 0.14 1.0248 1.0248 1.0212 1.0212 1.0229

642 0.9% 1.0% 0.789 83 0.35 1.0426 1.0426 0.9543 0.9700 0.9717

643 0.5% 0.4% 1.290 32 0.22 0.9175 0.9175 0.9980 0.9980 0.9997

644 0.7% 0.6% 1.249 52 0.28 0.8789 0.8789 0.9814 0.9814 0.9831

651 0.5% 0.5% 0.811 31 0.21 1.0697 1.0697 1.0145 1.0145 1.0163

652 0.9% 0.8% 1.067 56 0.29 0.9401 0.9401 0.9763 0.9763 0.9780

661 0.2% 0.2% 1.160 23 0.18 0.8424 0.8424 0.9011 0.9700 0.9717

662 2.0% 1.9% 0.937 118 0.42 0.9820 0.9820 0.9631 0.9700 0.9717

671 0.3% 0.3% 1.080 26 0.19 0.9717 0.9717 0.9927 0.9927 0.9943

672 0.5% 0.4% 1.364 33 0.22 0.9486 0.9486 1.0406 1.0300 1.0318

681 1.3% 1.3% 1.064 88 0.36 0.9098 0.9098 0.9654 0.9700 0.9717

682 0.5% 0.4% 1.147 26 0.20 0.9448 0.9448 0.9842 0.9842 0.9859

691 0.4% 0.5% 0.934 34 0.22 1.0118 1.0118 0.9943 0.9943 0.9960

692 0.6% 0.6% 0.956 39 0.24 1.0853 1.0853 1.0544 1.0300 1.0318

700 0.3% 0.2% 0.949 11 0.13 1.2750 1.2750 1.2328 1.0300 1.0318

710 1.4% 1.3% 0.813 89 0.36 1.0352 1.0352 0.9549 0.9700 0.9717

720 0.5% 0.5% 0.706 32 0.22 1.2308 1.2308 1.1172 1.0300 1.0318

730 0.2% 0.2% 0.820 10 0.12 1.2512 1.2512 1.1995 1.0300 1.0318

740 0.5% 0.4% 1.127 34 0.22 1.1331 1.1331 1.1317 1.0300 1.0318

751 0.6% 0.6% 1.310 47 0.26 0.9370 0.9370 1.0352 1.0300 1.0318

752 1.3% 1.2% 0.962 81 0.35 1.0305 1.0305 1.0069 1.0069 1.0086

760 0.2% 0.2% 1.286 13 0.14 1.0269 1.0269 1.0629 1.0300 1.0318

771 0.9% 1.2% 1.194 113 0.41 0.7867 0.7867 0.9525 0.9700 0.9717

772 0.7% 1.0% 1.111 85 0.35 0.8337 0.8337 0.9316 0.9700 0.9717

773 1.3% 1.5% 0.873 108 0.40 0.9437 0.9437 0.9156 0.9700 0.9717

774 2.1% 2.0% 0.981 154 0.47 0.9688 0.9688 0.9747 0.9747 0.9763

775 3.4% 3.0% 0.853 232 0.58 1.0558 1.0558 0.9376 0.9700 0.9717

Total 100.0% 100.0% 1.000 7,598 1.0000 1.0000 1.0062 0.9983 1.0000

7,598


(g) (11) = (10) / (10)Total

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