Attachment A Loss Model Variable List Attachment A Page 1 ALLSTATE INSURANCE GROUP PRIVATE PASSENGER AUTOMOBILE COUNTRYWIDE LOSS MODEL VARIABLE LIST The following variable list applies to the loss generalized linear model based on 20082011 exposure years (2009-2011 for PIP). This applies to the following CGR tables: POLICY CLASS Youngest age on policy Oldest age on policy Number of males on policy Number of females on policy Number of single operators on policy Number of married operators on policy Number of operators on policy Number of vehicles on policy MERIT At fault accidents in the last 0-36 months in the last 0-12 months in the last 13-36 months Not at fault accidents in the last 0-36 months Comprehensive claims in the last 0-36 months PIP Claims in the last 0-36 months UM Claims in the last 0-36 months Minor violations in the last 0-36 months Major violations in the last 0-36 months VEHICLE CHARACTERISTICS Model year Age of Car Time Car Owned Make Model of Car Engine type Number of doors Electronic stability control Body shell Turbo flag Body style Vehicle class description Engine liters Height Minimum horsepower Air bag Horsepower to engine liters ratio Passenger capacity Drive train Number of cylinders Vehicle size description Width Length Height to weight ratio Specific Output COVERAGE INFORMATION Bodily injury limit Property damage limit Medical coverage limit Uninsured motorist limit PIP Plan/Option Collision deductible Comprehensive deductible Vehicle price group symbol Comp or Comp-Glass Flag Full coverage flags: Presence of PD, Collision and Comprehensive Presence of PD and Collision or Comprehensive Presence of PD and Comprehensive MULTIPOLICY Presence of policy type: Home Landlord Condo Mobile home Renter Motorcycle Boat Motor club Any of the above Specialty Total number of other policy types (listed above) Homeowner flag OTHER POLICY CHARACTERISTICS Territory Insurance score Continuous prior insurance flag Non-Standard flag Channel of bind Channel of origin Resident student flag Easy pay flag Smart student flag Your choice auto option Full pay flag Prior BI limits Years prior carrier Years at Address (@ New Business) Lapse Garaging zip code not equal to mailing zip code flag License Verified Attachment Retention Models Variable List Attachment B Page 1 ALLSTATE INSURANCE GROUP PRIVATE PASSENGER AUTOMOBILE COUNTRYWIDE RENEWAL MODEL VARIABLE LIST The following variable list applies to the renewal generalized linear model based on data between 6/1/2011 – 2/29/2012. This model is used to determine the probability of a policyholder renewing after receiving a renewal letter. POLICYHOLDER CHARACTERISTICS Age of Insured Youngest Operator Age Number of Male Number of Female Number of Operators Number of Single Insurance Score Full Hit Ownership Code POLICY CHARACTERISTICS Rental Reinsurance Coverage Collision Coverage Number of Trailers Multiline Discount Preferred Package Discount New Car Discount Early Signing Discount Your Choice Auto Number of Times Renewed Number of Vehicles Number of Suspended Vehicles POLICYHOLDER CHARACTERISTICS AT NEW BUSINESS Years of Prior Insurance Prior Bodily Injury Limit Spinoff Customer Initiated Move Reinstated Policy Prior Allstate Channel of Bind PREMIUM COMPONENTS Expected Premium Change First Prior Premium Change Second Prior Premium Change Third Prior Premium Change Payment Method Easy Pay Discount Indicator FullPay Discount Indicator Current Premium Responsible Payer Discount Indicator Homeowner Rate Increases MISCELLANEOUS State Attachment B Page 2 ALLSTATE INSURANCE GROUP PRIVATE PASSENGER AUTOMOBILE COUNTRYWIDE MIDTERM DEFECTION MODEL VARIABLE LIST The following variable list applies to the midterm defection generalized linear model based on data between 6/1/2011 – 2/29/2012. This model is used to determine the probability of a policyholder defecting during the policy period after renewing onto this rating plan. The combination of this model and the model above creates the overall probability of a policyholder remaining with the company after a full policy period. POLICYHOLDER CHARACTERISTICS Youngest Operator Age Number of Female Number of Operators Number of Married Ownership Code Full Hit Insurance Score POLICY CHARACTERISTICS Collision Coverage Multiline Discount Preferred Package Discount New Car Discount Number of Vehicles POLICYHOLDER CHARACTERISTICS AT NEW BUSINESS Years of Prior Insurance Prior Bodily Injury Limit Prior Allstate Channel of Bind MISCELLANEOUS State PREMIUM COMPONENTS Current Premium