OREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD … · 2016-02-11 · oregon mutual insurance company...

OREGON MUTUAL INSURANCE COMPANY

CUSTOM SHIELD

RATING FACTORS

POLICY RATING FACTORS

Advance Quoting Credit

Quoted Ahead Factor Coverage Mkt 5.0 Mkt 5.1 Mkt 5.3 Mkt 5.4

1-7 Days 1.00 BI $69.96 $57.70 $80.30 $109.16

1-7 Days 1.00 PD $60.78 $43.70 $85.85 $98.79

1-7 Days 1.00 PIP $70.11 $41.13 $132.19 $162.83

1-7 Days 1.00 UMBI $11.61 $11.72 $16.65 $22.47

1-7 Days 1.00 UMPD $1.59 $2.27 $2.61 $1.67

1-7 Days 1.00 COMP $50.45 $49.89 $77.40 $79.78

8-30 Days 0.98 COLL $139.38 $136.24 $259.54 $275.05

8-30 Days 0.98

8-30 Days 0.99

8-30 Days 1.00

8-30 Days 1.00

8-30 Days 1.00

31+ Days 0.96

31+ Days 0.97

31+ Days 0.98

31+ Days 0.99

31+ Days 0.99

31+ Days 1.00

Status BI PD PIP UMBI UMPD COMP COLL

N 1.000 1.000 1.000 1.000 1.000 1.000 1.000

Y 1.030 1.030 1.030 1.030 1.030 1.030 1.030

Status BI PD PIP UMBI UMPD COMP COLL

N 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Y 0.95 0.95 0.95 0.95 0.95 0.95 0.95

BI PD PIP UMBI UMPD COMP COLL

$19.00 $10.00 $6.00 $6.00 $1.00 $6.00 $14.00

Usage BI PD PIP UMBI UMPD COMP COLL

Single Car 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Multi Car 0.85 0.85 0.85 0.85 0.85 0.85 0.85

Credit BI PD PIP UMBI UMPD COMP COLL

Y 0.920 0.900 0.880 1.000 1.000 0.881 0.880

N 1.000 1.000 1.000 1.000 1.000 1.000 1.000

Second Renewal

Third Renewal

Fourth Renewal

Second Renewal

Third Renewal

Fifth Renewal

MULTI CAR DISCOUNT

Renewal Term

0

First Renewal

Second Renewal

Third Renewal

AFFINITY GROUP DISCOUNT RELATIVITIES

FIXED EXPENSE - PPV

Fourth Renewal

Fourth Renewal

Base Rates

FIVE YEAR EXPERIENCE CREDIT

Fifth Renewal

Fifth Renewal

0

First Renewal

0

First Renewal

ACCIDENT FORGIVENESS RELATIVITIES

March 2016 Oregon RF-1


CUSTOM SHIELD

RATING FACTORS


LEVEL BI PD PIP UMBI UMPD COMP COLL

98 1.3500 1.3500 1.9000 1.3500 1.3500 1.3500 1.3500

99 1.4337 1.4455 2.0267 1.4337 1.4337 1.4455 1.4337

1 1.8841 1.9472 2.5529 1.8841 1.8841 1.9472 1.8841

2 1.6122 1.6428 2.3804 1.6122 1.6122 1.6428 1.6122

3 1.5127 1.5326 2.2196 1.5127 1.5127 1.5326 1.5127

4 1.4337 1.4455 2.0267 1.4337 1.4337 1.4455 1.4337

5 1.3749 1.3810 1.8571 1.3749 1.3749 1.3810 1.3749

6 1.3252 1.3265 1.7195 1.3252 1.3252 1.3265 1.3252

7 1.2858 1.2836 1.6146 1.2858 1.2858 1.2836 1.2858

8 1.2497 1.2443 1.5214 1.2497 1.2497 1.2443 1.2497

9 1.2186 1.2107 1.4437 1.2186 1.2186 1.2107 1.2186

10 1.1924 1.1823 1.3795 1.1924 1.1924 1.1823 1.1924

11 1.1667 1.1545 1.3182 1.1667 1.1667 1.1545 1.1667

12 1.1435 1.1295 1.2640 1.1435 1.1435 1.1295 1.1435

13 1.1245 1.1090 1.2206 1.1245 1.1245 1.1090 1.1245

14 1.1076 1.0909 1.1828 1.1076 1.1076 1.0909 1.1076

15 1.0910 1.0731 1.1461 1.0910 1.0910 1.0731 1.0910

16 1.0747 1.0556 1.1106 1.0747 1.0747 1.0556 1.0747

17 1.0586 1.0384 1.0762 1.0586 1.0586 1.0384 1.0586

18 1.0463 1.0252 1.0502 1.0463 1.0463 1.0252 1.0463

19 1.0341 1.0121 1.0248 1.0341 1.0341 1.0121 1.0341

20 1.0220 0.9993 1.0000 1.0220 1.0220 0.9993 1.0220

21 1.0118 0.9884 0.9792 1.0118 1.0118 0.9884 1.0118

22 1.0000 0.9758 0.9556 1.0000 1.0000 0.9758 1.0000

23 0.9917 0.9669 0.9390 0.9917 0.9917 0.9669 0.9917

24 0.9817 0.9564 0.9195 0.9817 0.9817 0.9564 0.9817

25 0.9735 0.9477 0.9036 0.9735 0.9735 0.9477 0.9735

26 0.9654 0.9391 0.8879 0.9654 0.9654 0.9391 0.9654

27 0.9574 0.9305 0.8725 0.9574 0.9574 0.9305 0.9574

28 0.9510 0.9238 0.8604 0.9510 0.9510 0.9238 0.9510

29 0.9430 0.9154 0.8455 0.9430 0.9430 0.9154 0.9430

30 0.9383 0.9103 0.8366 0.9383 0.9383 0.9103 0.9383

31 0.9305 0.9021 0.8221 0.9305 0.9305 0.9021 0.9305

32 0.9243 0.8955 0.8107 0.9243 0.9243 0.8955 0.9243

33 0.9181 0.8890 0.7995 0.9181 0.9181 0.8890 0.9181

34 0.9135 0.8841 0.7911 0.9135 0.9135 0.8841 0.9135

35 0.9074 0.8777 0.7801 0.9074 0.9074 0.8777 0.9074

36 0.9013 0.8713 0.7693 0.9013 0.9013 0.8713 0.9013

37 0.8968 0.8665 0.7613 0.8968 0.8968 0.8665 0.8968

38 0.8923 0.8618 0.7533 0.8923 0.8923 0.8618 0.8923

39 0.8878 0.8571 0.7455 0.8878 0.8878 0.8571 0.8878

40 0.8849 0.8539 0.7403 0.8849 0.8849 0.8539 0.8849

41 0.8804 0.8493 0.7325 0.8804 0.8804 0.8493 0.8804

42 0.8760 0.8446 0.7249 0.8760 0.8760 0.8446 0.8760

43 0.8716 0.8400 0.7173 0.8716 0.8716 0.8400 0.8716

44 0.8687 0.8369 0.7123 0.8687 0.8687 0.8369 0.8687

45 0.8643 0.8324 0.7049 0.8643 0.8643 0.8324 0.8643

Note: Mkt. 1 does not use insurance score relativities.

Mkt. 5.0

INSURANCE SCORE RELATIVITIES

RF-2 Oregon March 2016


CUSTOM SHIELD

RATING FACTORS



46 0.8614 0.8293 0.7000 0.8614 0.8614 0.8293 0.8614

47 0.8571 0.8248 0.6927 0.8571 0.8571 0.8248 0.8571

48 0.8543 0.8218 0.6878 0.8543 0.8543 0.8218 0.8543

49 0.8514 0.8188 0.6831 0.8514 0.8514 0.8188 0.8514

50 0.8486 0.8158 0.6783 0.8486 0.8486 0.8158 0.8486

51 0.8471 0.8143 0.6759 0.8471 0.8471 0.8143 0.8471

52 0.8443 0.8113 0.6712 0.8443 0.8443 0.8113 0.8443

53 0.8415 0.8084 0.6665 0.8415 0.8415 0.8084 0.8415

54 0.8373 0.8040 0.6596 0.8373 0.8373 0.8040 0.8373

55 0.8345 0.8010 0.6550 0.8345 0.8345 0.8010 0.8345

56 0.8331 0.7996 0.6527 0.8331 0.8331 0.7996 0.8331

57 0.8303 0.7998 0.6481 0.8303 0.8303 0.7998 0.8303

58 0.8289 0.7998 0.6459 0.8289 0.8289 0.7998 0.8289

59 0.8261 0.8000 0.6414 0.8261 0.8261 0.8000 0.8261

60 0.8233 0.8002 0.6369 0.8233 0.8233 0.8002 0.8233

61 0.8220 0.8003 0.6347 0.8220 0.8220 0.8003 0.8220

62 0.8192 0.8005 0.6303 0.8192 0.8192 0.8005 0.8192

63 0.8178 0.8006 0.6281 0.8178 0.8178 0.8006 0.8178

64 0.8151 0.8008 0.6237 0.8151 0.8151 0.8008 0.8151

65 0.8137 0.8009 0.6215 0.8137 0.8137 0.8009 0.8137

66 0.8124 0.8010 0.6193 0.8124 0.8124 0.8010 0.8124

67 0.8110 0.8011 0.6172 0.8110 0.8110 0.8011 0.8110

68 0.8083 0.8013 0.6129 0.8083 0.8083 0.8013 0.8083

69 0.8056 0.8015 0.6086 0.8056 0.8056 0.8015 0.8056

70 0.8029 0.8017 0.6044 0.8029 0.8029 0.8017 0.8029

71 0.8016 0.8018 0.6022 0.8016 0.8016 0.8018 0.8016

72 0.7989 0.8020 0.5981 0.7989 0.7989 0.8020 0.7989

73 0.7975 0.8021 0.5960 0.7975 0.7975 0.8021 0.7975

74 0.7962 0.8021 0.5939 0.7962 0.7962 0.8021 0.7962

75 0.7935 0.8023 0.5897 0.7935 0.7935 0.8023 0.7935

76 0.7922 0.8024 0.5877 0.7922 0.7922 0.8024 0.7922

77 0.7896 0.8026 0.5836 0.7896 0.7896 0.8026 0.7896

78 0.7882 0.8027 0.5816 0.7882 0.7882 0.8027 0.7882

79 0.7856 0.8029 0.5775 0.7856 0.7856 0.8029 0.7856

80 0.7830 0.8031 0.5735 0.7830 0.7830 0.8031 0.7830

81 0.7804 0.8033 0.5695 0.7804 0.7804 0.8033 0.7804

82 0.7751 0.8037 0.5616 0.7751 0.7751 0.8037 0.7751

83 0.7712 0.8040 0.5557 0.7712 0.7712 0.8040 0.7712

84 0.7635 0.8045 0.5442 0.7635 0.7635 0.8045 0.7635


Mkt. 5.0

INSURANCE SCORE RELATIVITIES (Cont.)



CUSTOM SHIELD

RATING FACTORS



98 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272

99 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272

1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

2 0.9878 0.9878 0.9649 0.9878 0.9878 0.9963 0.9921

3 0.9856 0.9856 0.9585 0.9856 0.9856 0.9956 0.9906

4 0.9670 0.9670 0.9052 0.9670 0.9670 0.9951 0.9895

5 0.9397 0.9397 0.8239 0.9397 0.9397 0.9877 0.9759

6 0.8989 0.8989 0.7088 0.8989 0.8989 0.9533 0.9393

7 0.8437 0.8437 0.5886 0.8437 0.8437 0.8878 0.8476

8 0.7647 0.7647 0.4705 0.7647 0.7647 0.8124 0.7327

9 0.6912 0.6912 0.3847 0.6912 0.6912 0.7340 0.6307

10 0.6267 0.6267 0.3244 0.6267 0.6267 0.6685 0.5506

11 0.5669 0.5669 0.2826 0.5669 0.5669 0.6155 0.4956

12 0.4973 0.4973 0.2359 0.4973 0.4973 0.4507 0.4390



Mkt. 5.3



CUSTOM SHIELD

RATING FACTORS



98 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272

99 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272

1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

2 0.9878 0.9878 0.9649 0.9878 0.9878 0.9963 0.9921

3 0.9856 0.9856 0.9585 0.9856 0.9856 0.9956 0.9906

4 0.9670 0.9670 0.9052 0.9670 0.9670 0.9951 0.9895

5 0.9397 0.9397 0.8239 0.9397 0.9397 0.9877 0.9759

6 0.8989 0.8989 0.7088 0.8989 0.8989 0.9533 0.9393

7 0.8437 0.8437 0.5886 0.8437 0.8437 0.8878 0.8476

8 0.7647 0.7647 0.4705 0.7647 0.7647 0.8124 0.7327

9 0.6912 0.6912 0.3847 0.6912 0.6912 0.7340 0.6307

10 0.6267 0.6267 0.3244 0.6267 0.6267 0.6685 0.5506

11 0.5669 0.5669 0.2826 0.5669 0.5669 0.6155 0.4956

12 0.4973 0.4973 0.2359 0.4973 0.4973 0.4507 0.4390


Mkt. 5.4




CUSTOM SHIELD

RATING FACTORS


CUSTOM SHIELD RELATIVITIES


A 0.3350 0.3532 0.3763 0.3783 0.4687 0.9182 0.3532

B 0.3401 0.3584 0.3814 0.3834 0.4737 0.9192 0.3584

C 0.3499 0.3681 0.3912 0.3932 0.4830 0.9213 0.3681

D 0.3599 0.3782 0.4012 0.4032 0.4926 0.9233 0.3782

E 0.3698 0.3881 0.4111 0.4131 0.5020 0.9253 0.3881

F 0.3797 0.3979 0.4208 0.4228 0.5112 0.9272 0.3979

G 0.3897 0.4079 0.4308 0.4328 0.5206 0.9291 0.4079

H 0.3997 0.4179 0.4406 0.4426 0.5297 0.9309 0.4179

I 0.4099 0.4280 0.4507 0.4526 0.5391 0.9327 0.4280

J 0.4195 0.4376 0.4601 0.4621 0.5478 0.9344 0.4376

K 0.4298 0.4478 0.4702 0.4721 0.5571 0.9362 0.4478

L 0.4395 0.4573 0.4796 0.4815 0.5657 0.9378 0.4573

M 0.4498 0.4675 0.4896 0.4916 0.5749 0.9395 0.4675

N 0.4594 0.4770 0.4990 0.5009 0.5834 0.9411 0.4770

O 0.4697 0.4872 0.5090 0.5109 0.5924 0.9427 0.4872

P 0.4793 0.4967 0.5183 0.5201 0.6008 0.9442 0.4967

Q 0.4896 0.5068 0.5282 0.5300 0.6096 0.9458 0.5068

R 0.4995 0.5166 0.5378 0.5396 0.6182 0.9472 0.5166

S 0.5092 0.5261 0.5471 0.5489 0.6265 0.9487 0.5261

T 0.5196 0.5363 0.5570 0.5588 0.6353 0.9502 0.5363

U 0.5296 0.5462 0.5666 0.5684 0.6438 0.9516 0.5462

V 0.5393 0.5557 0.5759 0.5777 0.6520 0.9529 0.5557

W 0.5492 0.5654 0.5853 0.5871 0.6602 0.9543 0.5654

X 0.5593 0.5753 0.5949 0.5966 0.6686 0.9556 0.5753

Y 0.5695 0.5853 0.6047 0.6063 0.6770 0.9570 0.5853

Z 0.5794 0.5949 0.6140 0.6156 0.6851 0.9583 0.5949

AA 0.5894 0.6047 0.6235 0.6251 0.6933 0.9596 0.6047

AB 0.5990 0.6141 0.6325 0.6341 0.7011 0.9608 0.6141

AC 0.6094 0.6242 0.6423 0.6439 0.7095 0.9621 0.6242

AD 0.6193 0.6338 0.6516 0.6532 0.7175 0.9633 0.6338

AE 0.6294 0.6436 0.6611 0.6626 0.7255 0.9645 0.6436

AF 0.6390 0.6530 0.6701 0.6716 0.7332 0.9656 0.6530

AG 0.6493 0.6631 0.6798 0.6813 0.7414 0.9668 0.6631

AH 0.6592 0.6727 0.6891 0.6905 0.7493 0.9680 0.6727

AI 0.6693 0.6824 0.6985 0.6999 0.7571 0.9691 0.6824

AJ 0.6795 0.6923 0.7080 0.7093 0.7651 0.9703 0.6923

AK 0.6892 0.7017 0.7170 0.7183 0.7727 0.9714 0.7017

AL 0.6990 0.7112 0.7261 0.7274 0.7803 0.9724 0.7112

AM 0.7096 0.7215 0.7360 0.7372 0.7885 0.9736 0.7215

AN 0.7190 0.7306 0.7447 0.7459 0.7957 0.9746 0.7306

AO 0.7292 0.7405 0.7541 0.7553 0.8035 0.9756 0.7405

AP 0.7396 0.7505 0.7637 0.7648 0.8114 0.9767 0.7505

AQ 0.7494 0.7599 0.7727 0.7738 0.8188 0.9777 0.7599

AR 0.7593 0.7695 0.7818 0.7829 0.8263 0.9787 0.7695

AS 0.7693 0.7791 0.7910 0.7920 0.8338 0.9797 0.7791

AT 0.7794 0.7889 0.8004 0.8013 0.8414 0.9807 0.7889

AU 0.7897 0.7988 0.8098 0.8107 0.8491 0.9817 0.7988



CUSTOM SHIELD

RATING FACTORS


CUSTOM SHIELD RELATIVITIES (Cont.)


AV 0.7993 0.8081 0.8186 0.8195 0.8563 0.9827 0.8081

AW 0.8091 0.8174 0.8275 0.8284 0.8635 0.9836 0.8174

AX 0.8198 0.8277 0.8373 0.8381 0.8714 0.9846 0.8277

AY 0.8297 0.8373 0.8464 0.8471 0.8787 0.9855 0.8373

AZ 0.8399 0.8470 0.8556 0.8563 0.8861 0.9865 0.8470

BA 0.8492 0.8560 0.8641 0.8648 0.8929 0.9873 0.8560

BB 0.8596 0.8659 0.8735 0.8741 0.9005 0.9883 0.8659

BC 0.8692 0.8751 0.8822 0.8828 0.9074 0.9891 0.8751

BD 0.8797 0.8852 0.8918 0.8924 0.9151 0.9900 0.8852

BE 0.8896 0.8946 0.9007 0.9012 0.9221 0.9909 0.8946

BF 0.8995 0.9041 0.9097 0.9101 0.9292 0.9918 0.9041

BG 0.9095 0.9137 0.9187 0.9192 0.9364 0.9926 0.9137

BH 0.9197 0.9234 0.9279 0.9283 0.9436 0.9935 0.9234

BI 0.9299 0.9332 0.9371 0.9375 0.9509 0.9943 0.9332

BJ 0.9394 0.9422 0.9456 0.9459 0.9576 0.9951 0.9422

BK 0.9499 0.9522 0.9551 0.9553 0.9650 0.9960 0.9522

BL 0.9595 0.9614 0.9637 0.9639 0.9717 0.9968 0.9614

BM 0.9702 0.9716 0.9733 0.9735 0.9792 0.9976 0.9716

BN 0.9800 0.9810 0.9821 0.9822 0.9861 0.9984 0.9810

BO 0.9900 0.9904 0.9910 0.9911 0.9930 0.9992 0.9904

BP 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

BQ 1.0101 1.0096 1.0091 1.0090 1.0070 1.0008 1.0096

BR 1.0204 1.0194 1.0182 1.0181 1.0141 1.0016 1.0194

BS 1.0297 1.0282 1.0265 1.0263 1.0205 1.0023 1.0282

BT 1.0401 1.0381 1.0358 1.0356 1.0276 1.0031 1.0381

BU 1.0507 1.0482 1.0452 1.0449 1.0348 1.0039 1.0482

BV 1.0603 1.0573 1.0537 1.0534 1.0414 1.0046 1.0573

BW 1.0699 1.0664 1.0623 1.0619 1.0479 1.0053 1.0664

BX 1.0808 1.0767 1.0719 1.0715 1.0553 1.0061 1.0767

BY 1.0906 1.0861 1.0806 1.0802 1.0620 1.0068 1.0861

BZ 1.1006 1.0955 1.0894 1.0889 1.0687 1.0075 1.0955

CA 1.1106 1.1050 1.0983 1.0977 1.0754 1.0082 1.1050

CB 1.1208 1.1146 1.1073 1.1066 1.0822 1.0089 1.1146

CC 1.1310 1.1243 1.1163 1.1156 1.0890 1.0097 1.1243

CD 1.1401 1.1329 1.1244 1.1236 1.0951 1.0103 1.1329

CE 1.1505 1.1427 1.1335 1.1327 1.1020 1.0110 1.1427

CF 1.1610 1.1527 1.1428 1.1419 1.1090 1.0117 1.1527

CG 1.1704 1.1615 1.1510 1.1501 1.1152 1.0124 1.1615

CH 1.1811 1.1716 1.1604 1.1595 1.1222 1.0131 1.1716

CI 1.1907 1.1807 1.1688 1.1678 1.1285 1.0137 1.1807

CJ 1.2003 1.1898 1.1773 1.1762 1.1349 1.0144 1.1898

CK 1.2113 1.2001 1.1869 1.1857 1.1420 1.0151 1.2001

CL 1.2211 1.2093 1.1954 1.1943 1.1484 1.0157 1.2093

CM 1.2310 1.2187 1.2041 1.2029 1.1549 1.0164 1.2187

CN 1.2410 1.2281 1.2128 1.2115 1.1613 1.0170 1.2281

CO 1.2510 1.2375 1.2216 1.2203 1.1679 1.0176 1.2375

CP 1.2612 1.2471 1.2304 1.2290 1.1744 1.0183 1.2471



CUSTOM SHIELD

RATING FACTORS




CQ 1.2714 1.2567 1.2393 1.2379 1.1810 1.0189 1.2567

CR 1.2817 1.2664 1.2483 1.2468 1.1876 1.0196 1.2664

CS 1.2921 1.2761 1.2574 1.2558 1.1943 1.0202 1.2761

CT 1.3012 1.2847 1.2653 1.2637 1.2001 1.0208 1.2847

CU 1.3118 1.2946 1.2745 1.2728 1.2069 1.0214 1.2946

CV 1.3211 1.3034 1.2825 1.2808 1.2128 1.0220 1.3034

CW 1.3318 1.3134 1.2918 1.2900 1.2196 1.0226 1.3134

CX 1.3412 1.3223 1.3000 1.2981 1.2256 1.0232 1.3223

CY 1.3521 1.3325 1.3094 1.3075 1.2324 1.0238 1.3325

CZ 1.3617 1.3414 1.3177 1.3157 1.2385 1.0244 1.3414

DA 1.3713 1.3505 1.3261 1.3240 1.2446 1.0250 1.3505

DB 1.3824 1.3609 1.3357 1.3335 1.2515 1.0256 1.3609

DC 1.3922 1.3701 1.3441 1.3419 1.2577 1.0262 1.3701

DD 1.4021 1.3793 1.3526 1.3504 1.2638 1.0267 1.3793

DE 1.4120 1.3886 1.3612 1.3589 1.2700 1.0273 1.3886

DF 1.4220 1.3980 1.3698 1.3674 1.2763 1.0279 1.3980

DG 1.4321 1.4074 1.3785 1.3761 1.2825 1.0284 1.4074

DH 1.4423 1.4169 1.3872 1.3847 1.2888 1.0290 1.4169

DI 1.4525 1.4264 1.3960 1.3934 1.2951 1.0296 1.4264

DJ 1.4628 1.4361 1.4048 1.4022 1.3015 1.0301 1.4361

DK 1.4731 1.4458 1.4137 1.4110 1.3079 1.0307 1.4458

DL 1.4821 1.4541 1.4214 1.4187 1.3134 1.0312 1.4541

DM 1.4926 1.4639 1.4304 1.4276 1.3198 1.0318 1.4639

DN 1.5032 1.4738 1.4394 1.4366 1.3263 1.0323 1.4738

DO 1.5123 1.4823 1.4472 1.4443 1.3319 1.0328 1.4823

DP 1.5230 1.4923 1.4564 1.4534 1.3384 1.0334 1.4923

DQ 1.5338 1.5023 1.4656 1.4626 1.3450 1.0340 1.5023

DR 1.5431 1.5110 1.4736 1.4705 1.3506 1.0345 1.5110

DS 1.5525 1.5198 1.4816 1.4784 1.3563 1.0349 1.5198

DT 1.5635 1.5300 1.4910 1.4877 1.3629 1.0355 1.5300

DU 1.5730 1.5388 1.4990 1.4957 1.3687 1.0360 1.5388

DV 1.5841 1.5492 1.5085 1.5052 1.3754 1.0366 1.5492

DW 1.5937 1.5582 1.5167 1.5133 1.3812 1.0371 1.5582

DX 1.6034 1.5672 1.5249 1.5214 1.3870 1.0376 1.5672

DY 1.6132 1.5762 1.5332 1.5296 1.3928 1.0380 1.5762

DZ 1.6246 1.5868 1.5429 1.5393 1.3996 1.0386 1.5868

EA 1.6345 1.5960 1.5513 1.5476 1.4055 1.0391 1.5960

EB 1.6444 1.6052 1.5597 1.5559 1.4114 1.0396 1.6052

EC 1.6544 1.6145 1.5682 1.5643 1.4174 1.0401 1.6145

ED 1.6644 1.6238 1.5767 1.5728 1.4233 1.0406 1.6238

EE 1.6745 1.6332 1.5852 1.5812 1.4293 1.0411 1.6332

EF 1.6847 1.6426 1.5938 1.5898 1.4353 1.0416 1.6426

EG 1.6949 1.6521 1.6025 1.5984 1.4413 1.0421 1.6521

EH 1.7052 1.6617 1.6112 1.6070 1.4474 1.0426 1.6617

EI 1.7138 1.6697 1.6184 1.6142 1.4525 1.0430 1.6697

EJ 1.7242 1.6793 1.6272 1.6229 1.4586 1.0435 1.6793

EK 1.7347 1.6890 1.6360 1.6317 1.4647 1.0439 1.6890

EL 1.7452 1.6988 1.6449 1.6405 1.4708 1.0444 1.6988



CUSTOM SHIELD

RATING FACTORS




EM 1.7540 1.7069 1.6524 1.6478 1.4760 1.0449 1.7069

EN 1.7647 1.7168 1.6613 1.6567 1.4822 1.0453 1.7168

EO 1.7754 1.7267 1.6703 1.6657 1.4884 1.0458 1.7267

EP 1.7844 1.7350 1.6779 1.6731 1.4936 1.0463 1.7350

EQ 1.7952 1.7450 1.6870 1.6822 1.4999 1.0467 1.7450

ER 1.8061 1.7551 1.6961 1.6912 1.5062 1.0472 1.7551

ES 1.8153 1.7636 1.7038 1.6988 1.5115 1.0477 1.7636

ET 1.8263 1.7738 1.7130 1.7080 1.5178 1.0482 1.7738

EU 1.8355 1.7823 1.7208 1.7157 1.5232 1.0486 1.7823

EV 1.8448 1.7909 1.7285 1.7234 1.5285 1.0490 1.7909

EW 1.8560 1.8012 1.7379 1.7327 1.5349 1.0495 1.8012

EX 1.8654 1.8099 1.7458 1.7405 1.5403 1.0499 1.8099

EY 1.8767 1.8203 1.7552 1.7499 1.5468 1.0504 1.8203

EZ 1.8862 1.8291 1.7632 1.7577 1.5522 1.0508 1.8291

FA 1.8957 1.8379 1.7711 1.7656 1.5576 1.0512 1.8379

FB 1.9053 1.8467 1.7791 1.7736 1.5631 1.0516 1.8467

FC 1.9169 1.8574 1.7888 1.7831 1.5696 1.0521 1.8574

FD 1.9266 1.8663 1.7969 1.7911 1.5751 1.0525 1.8663

FE 1.9363 1.8753 1.8050 1.7992 1.5806 1.0530 1.8753

FF 1.9461 1.8843 1.8132 1.8073 1.5862 1.0534 1.8843

FG 1.9560 1.8934 1.8213 1.8154 1.5917 1.0538 1.8934

FH 1.9659 1.9025 1.8296 1.8236 1.5973 1.0542 1.9025

FI 1.9778 1.9135 1.8395 1.8334 1.6040 1.0547 1.9135

FJ 1.9878 1.9227 1.8478 1.8416 1.6096 1.0551 1.9227

FK 1.9978 1.9320 1.8562 1.8499 1.6153 1.0555 1.9320

FL 2.0283 1.9600 1.8814 1.8750 1.6323 1.0568 1.9600

FM 2.0780 2.0057 1.9226 1.9157 1.6599 1.0588 2.0057

FN 2.1289 2.0524 1.9646 1.9574 1.6880 1.0608 2.0524

FO 2.1789 2.0982 2.0058 1.9982 1.7153 1.0627 2.0982

FP 2.2301 2.1451 2.0478 2.0398 1.7431 1.0646 2.1451

FQ 2.2801 2.1909 2.0889 2.0805 1.7702 1.0665 2.1909

FR 2.3313 2.2376 2.1307 2.1219 1.7976 1.0683 2.2376

FS 2.3812 2.2832 2.1714 2.1623 1.8242 1.0701 2.2832

FT 2.4322 2.3297 2.2129 2.2034 1.8511 1.0719 2.3297

FU 2.4818 2.3748 2.2532 2.2432 1.8772 1.0736 2.3748

FV 2.5323 2.4209 2.2942 2.2838 1.9036 1.0752 2.4209

FW 2.5840 2.4678 2.3360 2.3252 1.9304 1.0769 2.4678

FX 2.6340 2.5132 2.3763 2.3651 1.9562 1.0786 2.5132

FY 2.6849 2.5595 2.4174 2.4058 1.9824 1.0802 2.5595

FZ 2.7341 2.6041 2.4569 2.4449 2.0075 1.0817 2.6041

GA 2.7871 2.6520 2.4994 2.4869 2.0343 1.0833 2.6520

GB 2.8381 2.6983 2.5403 2.5274 2.0601 1.0849 2.6983

GC 2.8872 2.7427 2.5795 2.5662 2.0847 1.0863 2.7427

GD 2.9372 2.7878 2.6194 2.6056 2.1096 1.0878 2.7878

GE 2.9880 2.8337 2.6598 2.6456 2.1349 1.0892 2.8337

GF 3.0397 2.8803 2.7009 2.6863 2.1604 1.0907 2.8803

GG 3.0891 2.9249 2.7401 2.7251 2.1847 1.0921 2.9249

GH 3.1394 2.9701 2.7800 2.7645 2.2092 1.0934 2.9701



CUSTOM SHIELD

RATING FACTORS




GI 3.1905 3.0161 2.8204 2.8044 2.2341 1.0948 3.0161

GJ 3.2424 3.0628 2.8613 2.8450 2.2592 1.0962 3.0628

GK 3.2918 3.1072 2.9003 2.8835 2.2830 1.0975 3.1072

GL 3.3420 3.1523 2.9398 2.9225 2.3071 1.0988 3.1523

GM 3.3930 3.1980 2.9798 2.9621 2.3314 1.1001 3.1980

GN 3.4447 3.2444 3.0204 3.0022 2.3560 1.1014 3.2444

GO 3.4973 3.2914 3.0615 3.0429 2.3808 1.1027 3.2914

GP 3.5470 3.3360 3.1004 3.0813 2.4042 1.1039 3.3360

GQ 3.5974 3.3811 3.1398 3.1202 2.4279 1.1051 3.3811

GR 3.6486 3.4268 3.1797 3.1596 2.4517 1.1064 3.4268

GS 3.7005 3.4732 3.2201 3.1996 2.4758 1.1076 3.4732

GT 3.7494 3.5168 3.2580 3.2371 2.4984 1.1087 3.5168

GU 3.7989 3.5610 3.2964 3.2750 2.5213 1.1098 3.5610

GV 3.8529 3.6092 3.3383 3.3164 2.5460 1.1111 3.6092

GW 3.9038 3.6545 3.3777 3.3553 2.5693 1.1122 3.6545

GX 3.9513 3.6968 3.4144 3.3916 2.5909 1.1133 3.6968

GY 4.0035 3.7433 3.4547 3.4314 2.6146 1.1144 3.7433

GZ 4.0563 3.7903 3.4954 3.4716 2.6384 1.1155 3.7903



CUSTOM SHIELD

RATING FACTORS


25/50 1.000 20,000 0.970 15,000 0.960 25/50 1.000 20,000 1.670

50/100 1.220 25,000 1.000 25,000 1.000 50/100 1.600 25,000 2.000

100* 1.420 50,000 1.060 35,000 1.350 100* 1.820 50,000 2.500

100/300 1.500 100,000 1.080 50,000 1.579 100/300 1.950 100,000 3.000

300* 1.820 300,000* 1.100 300* 2.410

250/500 1.880 500,000* 1.110 250/500 2.190

500* 1.980 1,000,000* 1.140 500* 2.740

500/1000 2.200 500/1000 2.870

1000* 2.380 1000* 3.050

Factor Factor

1.00 0.97

0.85 1.00

Package Policy Credit


MHO w or w/o Umbrella 1.00 1.00 1.00 1.00 1.00 1.00 1.00

HO 3 & 5 w/o Umbrella 0.84 0.84 0.84 0.84 0.84 0.84 0.84

HO 3 & 5 w/ Umbrella 0.82 0.82 0.82 0.82 0.82 0.82 0.82

HO 6 w/o Umbrella 0.86 0.86 0.86 0.86 0.86 0.86 0.86

HO 6 w/ Umbrella 0.84 0.84 0.84 0.84 0.84 0.84 0.84

HO 4 w/o Umbrella 0.92 0.92 0.92 0.92 0.92 0.92 0.92

HO 4 w /Umbrella 0.90 0.90 0.90 0.90 0.90 0.90 0.90

No Pkg 1.00 1.00 1.00 1.00 1.00 1.00 1.00


N 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Y 1.07 1.07 1.07 1.07 1.07 1.07 1.07

Persistency Credit

Yrs w/OMI Factor Yrs w/OMI Factor

0 1.00 6 0.94

1-2 0.98 7 0.93

3 0.97 8 0.92

4 0.96 9 0.91

5 0.95 10+ 0.90

Not Deployed

Deployed

Military Deployment Credit

Status

PERMISSIVE USER RELATIVITIES

CSL Apply to BI & PD Only

Discount

Y

N

*Displayed for use in computing Combined Single Limit coverages only - not available as a

multiple limit option.

LIMIT RELATIVITIES

PIP UMBI UMPDBI PD



CUSTOM SHIELD

RATING FACTORS


Decoder Prior Carrier Limits Decoder Prior Policy Type1 Prior coverage - Standard Carrier

2 Prior coverage - Non-Standard Carrier

3 No Prior coverage (i.e., prior insurance cancelled or

4 No Need for Prior Coverage

Decoder Prior Days Lapsed

Prior Carrier Days Lapsed

Days BI PD PIP UMBI UMPD COMP COLL

0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

1 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

2 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

3 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

4 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

5 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

6 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

7 + 1.2500 1.2500 1.2500 1.2500 1.2500 1.2500 1.2500

Prior Carrier Limits

Limit Code BI PD PIP UMBI UMPD COMP COLL

0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

50 1.2000 1.2200 1.2200 1.2200 1.2200 1.1200 1.1200

100 1.1000 1.1000 1.1000 1.1000 1.1000 1.0400 1.0400

300 1.0000 1.0000 1.0000 1.0000 1.0000 0.9600 0.9600

500 0.9400 0.9000 0.9000 0.9000 0.9000 0.9200 0.9200

600 1.1500 1.1500 1.1500 1.1500 1.1500 1.1000 1.1000

700 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

800 0.9400 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000

900 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

Prior Carrier Policy Type


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

1.4000 1.4000 1.4000 1.4000 1.4000 1.4000 1.4000

1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

No Prior//No Need

0 is No Prior Limit

50 is <50/100

100 is >=50/100 & <100/300

700 is >=100 CSL & <300 CSL

800 is >=300 CSL

600 is<100 CSL

900 is No Prior, No Need

Prior Cov Standard Assumed

lapsed, or uninsured)300 is 100/300

500 is >100/300

Type

Prior Standard

Prior Non-Standard

This is the number of days between the EXPIRATION of

prior insurance coverage and Quote EFFECTIVE date.

No Prior



CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5

No Prior 3 1.0000 1.0000 1.0000 1.0000 1.0000

No Prior No Need 4 1.0000 1.0000 1.0000 1.0000 1.0000

Time with Prior Carrier - STD - lapse >6 days 1 >6 1.0000 1.0000 1.0000 1.0000 1.0000

Time with Prior Carrier - STD - no lapse 1 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000



















Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10

No Prior 3 1.0000 1.0000 1.0000 1.0000 1.0000

No Prior No Need 4 1.0000 1.0000 1.0000 1.0000 1.0000

Time with Prior Carrier - STD - lapse >6 days 1 >6 1.0000 1.0000 1.0000 1.0000 1.0000




















Prior Months With Carrier



CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5























Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5

Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000






















Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5























Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5




















Time with Prior Carrier - STD - lapse >6 days 2 >6 0 0 0 1.0000 1.0000 1.0000 1.0000 1.0000



Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10




















Time with Prior Carrier - STD - lapse >6 days 2 >6 0 0 0 1.0000 1.0000 1.0000 1.0000 1.0000






CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5























Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5















Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


















CUSTOM SHIELD

RATING FACTORS


Score Level Age Factor Score Level Age Factor

A 15 0.7490 W 16 0.9941

B 15 0.8046 X 16 0.9949

C 15 0.8284 Y 16 0.9957

D 15 0.8491 Z 16 0.9964

E 15 0.8656 AA 16 0.9972

F 15 0.8804 AB 16 1.0000

G 15 0.8926 A 17 0.7490

H 15 0.9044 B 17 0.8046

I 15 0.9149 C 17 0.8284

J 15 0.9241 D 17 0.8491

K 15 0.9334 E 17 0.8656

L 15 0.9420 F 17 0.8804

M 15 0.9493 G 17 0.8926

N 15 0.9559 H 17 0.9044

O 15 0.9625 I 17 0.9149

P 15 0.9692 J 17 0.9241

Q 15 0.9760 K 17 0.9334

R 15 0.9812 L 17 0.9420

S 15 0.9865 M 17 0.9493

T 15 0.9918 N 17 0.9559

U 15 0.9926 O 17 0.9625

V 15 0.9934 P 17 0.9692

W 15 0.9941 Q 17 0.9760

X 15 0.9949 R 17 0.9812

Y 15 0.9957 S 17 0.9865

Z 15 0.9964 T 17 0.9918

AA 15 0.9972 U 17 0.9926

AB 15 1.0000 V 17 0.9934

A 16 0.7490 W 17 0.9941

B 16 0.8046 X 17 0.9949

C 16 0.8284 Y 17 0.9957

D 16 0.8491 Z 17 0.9964

E 16 0.8656 AA 17 0.9972

F 16 0.8804 AB 17 1.0000

G 16 0.8926 A 18 0.7490

H 16 0.9044 B 18 0.8046

I 16 0.9149 C 18 0.8284

J 16 0.9241 D 18 0.8491

K 16 0.9334 E 18 0.8656

L 16 0.9420 F 18 0.8804

M 16 0.9493 G 18 0.8926

N 16 0.9559 H 18 0.9044

O 16 0.9625 I 18 0.9149

P 16 0.9692 J 18 0.9241

Q 16 0.9760 K 18 0.9334

R 16 0.9812 L 18 0.9420

S 16 0.9865 M 18 0.9493

T 16 0.9918 N 18 0.9559

U 16 0.9926 O 18 0.9625

V 16 0.9934 P 18 0.9692

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



Q 18 0.9760 K 20 0.9334

R 18 0.9812 L 20 0.9420

S 18 0.9865 M 20 0.9493

T 18 0.9918 N 20 0.9559

U 18 0.9926 O 20 0.9625

V 18 0.9934 P 20 0.9692

W 18 0.9941 Q 20 0.9760

X 18 0.9949 R 20 0.9812

Y 18 0.9957 S 20 0.9865

Z 18 0.9964 T 20 0.9918

AA 18 0.9972 U 20 0.9926

AB 18 1.0000 V 20 0.9934

A 19 0.7490 W 20 0.9941

B 19 0.8046 X 20 0.9949

C 19 0.8284 Y 20 0.9957

D 19 0.8491 Z 20 0.9964

E 19 0.8656 AA 20 0.9972

F 19 0.8804 AB 20 1.0000

G 19 0.8926 A 21 0.7490

H 19 0.9044 B 21 0.8046

I 19 0.9149 C 21 0.8284

J 19 0.9241 D 21 0.8491

K 19 0.9334 E 21 0.8656

L 19 0.9420 F 21 0.8804

M 19 0.9493 G 21 0.8926

N 19 0.9559 H 21 0.9044

O 19 0.9625 I 21 0.9149

P 19 0.9692 J 21 0.9241

Q 19 0.9760 K 21 0.9334

R 19 0.9812 L 21 0.9420

S 19 0.9865 M 21 0.9493

T 19 0.9918 N 21 0.9559

U 19 0.9926 O 21 0.9625

V 19 0.9934 P 21 0.9692

W 19 0.9941 Q 21 0.9760

X 19 0.9949 R 21 0.9812

Y 19 0.9957 S 21 0.9865

Z 19 0.9964 T 21 0.9918

AA 19 0.9972 U 21 0.9926

AB 19 1.0000 V 21 0.9934

A 20 0.7490 W 21 0.9941

B 20 0.8046 X 21 0.9949

C 20 0.8284 Y 21 0.9957

D 20 0.8491 Z 21 0.9964

E 20 0.8656 AA 21 0.9972

F 20 0.8804 AB 21 1.0000

G 20 0.8926 A 22 0.7657

H 20 0.9044 B 22 0.8176

I 20 0.9149 C 22 0.8398

J 20 0.9241 D 22 0.8592

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



E 22 0.8746 AA 23 0.9976

F 22 0.8884 AB 23 1.0000

G 22 0.8998 A 24 0.7992

H 22 0.9108 B 24 0.8437

I 22 0.9206 C 24 0.8627

J 22 0.9292 D 24 0.8793

K 22 0.9378 E 24 0.8925

L 22 0.9459 F 24 0.9043

M 22 0.9527 G 24 0.9141

N 22 0.9588 H 24 0.9235

O 22 0.9650 I 24 0.9319

P 22 0.9713 J 24 0.9393

Q 22 0.9776 K 24 0.9467

R 22 0.9825 L 24 0.9536

S 22 0.9874 M 24 0.9594

T 22 0.9923 N 24 0.9647

U 22 0.9931 O 24 0.9700

V 22 0.9938 P 24 0.9754

W 22 0.9945 Q 24 0.9808

X 22 0.9952 R 24 0.9850

Y 22 0.9960 S 24 0.9892

Z 22 0.9966 T 24 0.9934

AA 22 0.9974 U 24 0.9941

AB 22 1.0000 V 24 0.9947

A 23 0.7825 W 24 0.9953

B 23 0.8307 X 24 0.9959

C 23 0.8513 Y 24 0.9966

D 23 0.8692 Z 24 0.9971

E 23 0.8835 AA 24 0.9978

F 23 0.8963 AB 24 1.0000

G 23 0.9069 A 25 0.8159

H 23 0.9171 B 25 0.8567

I 23 0.9262 C 25 0.8742

J 23 0.9342 D 25 0.8893

K 23 0.9423 E 25 0.9014

L 23 0.9497 F 25 0.9123

M 23 0.9561 G 25 0.9212

N 23 0.9618 H 25 0.9299

O 23 0.9675 I 25 0.9376

P 23 0.9733 J 25 0.9443

Q 23 0.9792 K 25 0.9512

R 23 0.9837 L 25 0.9575

S 23 0.9883 M 25 0.9628

T 23 0.9929 N 25 0.9677

U 23 0.9936 O 25 0.9725

V 23 0.9943 P 25 0.9774

W 23 0.9949 Q 25 0.9824

X 23 0.9956 R 25 0.9862

Y 23 0.9963 S 25 0.9901

Z 23 0.9969 T 25 0.9940

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



U 25 0.9946 O 27 0.9775

V 25 0.9952 P 27 0.9815

W 25 0.9957 Q 27 0.9856

X 25 0.9963 R 27 0.9887

Y 25 0.9968 S 27 0.9919

Z 25 0.9974 T 27 0.9951

AA 25 0.9979 U 27 0.9956

AB 25 1.0000 V 27 0.9960

A 26 0.8327 W 27 0.9965

B 26 0.8697 X 27 0.9969

C 26 0.8856 Y 27 0.9974

D 26 0.8994 Z 27 0.9978

E 26 0.9104 AA 27 0.9983

F 26 0.9203 AB 27 1.0000

G 26 0.9284 A 28 0.8661

H 26 0.9363 B 28 0.8958

I 26 0.9433 C 28 0.9085

J 26 0.9494 D 28 0.9195

K 26 0.9556 E 28 0.9283

L 26 0.9613 F 28 0.9362

M 26 0.9662 G 28 0.9427

N 26 0.9706 H 28 0.9490

O 26 0.9750 I 28 0.9546

P 26 0.9795 J 28 0.9595

Q 26 0.9840 K 28 0.9645

R 26 0.9875 L 28 0.9691

S 26 0.9910 M 28 0.9730

T 26 0.9945 N 28 0.9765

U 26 0.9951 O 28 0.9800

V 26 0.9956 P 28 0.9836

W 26 0.9961 Q 28 0.9872

X 26 0.9966 R 28 0.9900

Y 26 0.9971 S 28 0.9928

Z 26 0.9976 T 28 0.9956

AA 26 0.9981 U 28 0.9961

AB 26 1.0000 V 28 0.9965

A 27 0.8494 W 28 0.9969

B 27 0.8828 X 28 0.9973

C 27 0.8970 Y 28 0.9977

D 27 0.9095 Z 28 0.9981

E 27 0.9194 AA 28 0.9985

F 27 0.9282 AB 28 1.0000

G 27 0.9356 A 29 0.8829

H 27 0.9426 B 29 0.9088

I 27 0.9489 C 29 0.9199

J 27 0.9545 D 29 0.9296

K 27 0.9600 E 29 0.9373

L 27 0.9652 F 29 0.9442

M 27 0.9696 G 29 0.9499

N 27 0.9735 H 29 0.9554

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



I 29 0.9603 C 31 0.9428

J 29 0.9646 D 31 0.9497

K 29 0.9689 E 31 0.9552

L 29 0.9729 F 31 0.9601

M 29 0.9763 G 31 0.9642

N 29 0.9794 H 31 0.9681

O 29 0.9825 I 31 0.9716

P 29 0.9856 J 31 0.9747

Q 29 0.9888 K 31 0.9778

R 29 0.9912 L 31 0.9807

S 29 0.9937 M 31 0.9831

T 29 0.9962 N 31 0.9853

U 29 0.9965 O 31 0.9875

V 29 0.9969 P 31 0.9897

W 29 0.9972 Q 31 0.9920

X 29 0.9976 R 31 0.9937

Y 29 0.9980 S 31 0.9955

Z 29 0.9983 T 31 0.9973

AA 29 0.9987 U 31 0.9975

AB 29 1.0000 V 31 0.9978

A 30 0.8996 W 31 0.9980

B 30 0.9218 X 31 0.9983

C 30 0.9314 Y 31 0.9986

D 30 0.9396 Z 31 0.9988

E 30 0.9462 AA 31 0.9991

F 30 0.9522 AB 31 1.0000

G 30 0.9570 A 32 0.9331

H 30 0.9618 B 32 0.9479

I 30 0.9660 C 32 0.9542

J 30 0.9696 D 32 0.9598

K 30 0.9734 E 32 0.9642

L 30 0.9768 F 32 0.9681

M 30 0.9797 G 32 0.9714

N 30 0.9824 H 32 0.9745

O 30 0.9850 I 32 0.9773

P 30 0.9877 J 32 0.9798

Q 30 0.9904 K 32 0.9822

R 30 0.9925 L 32 0.9845

S 30 0.9946 M 32 0.9865

T 30 0.9967 N 32 0.9882

U 30 0.9970 O 32 0.9900

V 30 0.9974 P 32 0.9918

W 30 0.9976 Q 32 0.9936

X 30 0.9980 R 32 0.9950

Y 30 0.9983 S 32 0.9964

Z 30 0.9986 T 32 0.9978

AA 30 0.9989 U 32 0.9980

AB 30 1.0000 V 32 0.9982

A 31 0.9163 W 32 0.9984

B 31 0.9349 X 32 0.9986

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



Y 32 0.9989 S 34 0.9982

Z 32 0.9990 T 34 0.9989

AA 32 0.9993 U 34 0.9990

AB 32 1.0000 V 34 0.9991

A 33 0.9498 W 34 0.9992

B 33 0.9609 X 34 0.9993

C 33 0.9657 Y 34 0.9994

D 33 0.9698 Z 34 0.9995

E 33 0.9731 AA 34 0.9996

F 33 0.9761 AB 34 1.0000

G 33 0.9785 A 35 0.9833

H 33 0.9809 B 35 0.9870

I 33 0.9830 C 35 0.9886

J 33 0.9848 D 35 0.9899

K 33 0.9867 E 35 0.9910

L 33 0.9884 F 35 0.9920

M 33 0.9899 G 35 0.9928

N 33 0.9912 H 35 0.9936

O 33 0.9925 I 35 0.9943

P 33 0.9938 J 35 0.9949

Q 33 0.9952 K 35 0.9956

R 33 0.9962 L 35 0.9961

S 33 0.9973 M 35 0.9966

T 33 0.9984 N 35 0.9971

U 33 0.9985 O 35 0.9975

V 33 0.9987 P 35 0.9979

W 33 0.9988 Q 35 0.9984

X 33 0.9990 R 35 0.9987

Y 33 0.9991 S 35 0.9991

Z 33 0.9993 T 35 0.9995

AA 33 0.9994 U 35 0.9995

AB 33 1.0000 V 35 0.9996

A 34 0.9665 W 35 0.9996

B 34 0.9739 X 35 0.9997

C 34 0.9771 Y 35 0.9997

D 34 0.9799 Z 35 0.9998

E 34 0.9821 AA 35 0.9998

F 34 0.9841 AB 35 1.0000

G 34 0.9857 A >=36 1.0000

H 34 0.9873 B >=36 1.0000

I 34 0.9887 C >=36 1.0000

J 34 0.9899 D >=36 1.0000

K 34 0.9911 E >=36 1.0000

L 34 0.9923 F >=36 1.0000

M 34 0.9932 G >=36 1.0000

N 34 0.9941 H >=36 1.0000

O 34 0.9950 I >=36 1.0000

P 34 0.9959 J >=36 1.0000

Q 34 0.9968 K >=36 1.0000

R 34 0.9975 L >=36 1.0000

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



M >=36 1.0000

N >=36 1.0000

O >=36 1.0000

P >=36 1.0000

Q >=36 1.0000

R >=36 1.0000

S >=36 1.0000

T >=36 1.0000

U >=36 1.0000

V >=36 1.0000

W >=36 1.0000

X >=36 1.0000

Y >=36 1.0000

Z >=36 1.0000

AA >=36 1.0000

AB >=36 1.0000

Score x Maximum Age



CUSTOM SHIELD

RATIING FACTORS

DRIVER RATING FACTORS

Single Male Single Female

AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL

15 3.8260 3.6700 1.8230 3.8260 2.8790 0.9200 2.8790 3.2690 3.2490 2.1880 3.2690 2.5960 0.7910 2.5960

16 3.8260 3.6700 1.8230 3.8260 2.8790 0.9200 2.8790 3.2690 3.2490 2.1880 3.2690 2.5960 0.7910 2.5960

17 3.3720 3.2120 1.5460 3.3720 2.6220 0.9450 2.6220 2.9000 2.8560 1.8750 2.9000 2.3530 0.8160 2.3530

18 2.8740 2.7280 1.2850 2.8740 2.3450 0.9750 2.3450 2.4920 2.4430 1.5790 2.4920 2.0920 0.8460 2.0920

19 2.4740 2.3580 1.1120 2.4740 2.1290 1.0000 2.1290 2.1640 2.1300 1.3850 2.1640 1.8910 0.8720 1.8910

20 2.1500 2.0690 0.9970 2.1500 1.9570 1.0210 1.9570 1.8950 1.8890 1.2570 1.8950 1.7320 0.8940 1.7320

21 1.8830 1.8400 0.9210 1.8830 1.8140 1.0390 1.8140 1.6730 1.6990 1.1740 1.6730 1.6030 0.9130 1.6030

22 1.6620 1.6540 0.8730 1.6620 1.6930 1.0530 1.6930 1.4870 1.5460 1.1240 1.4870 1.4940 0.9280 1.4940

23 1.5460 1.5330 0.8440 1.5460 1.5920 1.0640 1.5920 1.3910 1.4500 1.0980 1.3910 1.4040 0.9420 1.4040

24 1.4670 1.4410 0.8300 1.4670 1.5090 1.0740 1.5090 1.3290 1.3800 1.0890 1.3290 1.3320 0.9520 1.3320

25 1.3990 1.3660 0.8280 1.3990 1.4430 1.0810 1.4430 1.2750 1.3230 1.0950 1.2750 1.2750 0.9610 1.2750

26 1.3400 1.3010 0.8330 1.3400 1.3900 1.0870 1.3900 1.2280 1.2760 1.1110 1.2280 1.2300 0.9680 1.2300

27 1.2880 1.2470 0.8450 1.2880 1.3450 1.0930 1.3450 1.1870 1.2360 1.1350 1.1870 1.1930 0.9740 1.1930

28 1.2440 1.1990 0.8610 1.2440 1.3080 1.0960 1.3080 1.1510 1.2020 1.1640 1.1510 1.1620 0.9790 1.1620

29 1.2040 1.1590 0.8800 1.2040 1.2760 1.1000 1.2760 1.1190 1.1730 1.1950 1.1190 1.1370 0.9820 1.1370

30 1.1680 1.1230 0.8990 1.1680 1.2470 1.1020 1.2470 1.0900 1.1460 1.2290 1.0900 1.1150 0.9850 1.1150

31 1.1360 1.0910 0.9190 1.1360 1.2210 1.1040 1.2210 1.0630 1.1230 1.2610 1.0630 1.0960 0.9870 1.0960

32 1.1070 1.0620 0.9370 1.1070 1.1970 1.1060 1.1970 1.0400 1.1000 1.2900 1.0400 1.0770 0.9890 1.0770

33 1.0800 1.0360 0.9530 1.0800 1.1740 1.1080 1.1740 1.0180 1.0800 1.3150 1.0180 1.0610 0.9900 1.0610

34 1.0570 1.0130 0.9650 1.0570 1.1530 1.1100 1.1530 0.9980 1.0600 1.3350 0.9980 1.0450 0.9910 1.0450

35 1.0350 0.9920 0.9730 1.0350 1.1310 1.1120 1.1310 0.9790 1.0410 1.3490 0.9790 1.0290 0.9910 1.0290

36 1.0150 0.9730 0.9770 1.0150 1.1110 1.1140 1.1110 0.9630 1.0230 1.3550 0.9630 1.0140 0.9910 1.0140

37 0.9970 0.9550 0.9760 0.9970 1.0900 1.1150 1.0900 0.9470 1.0060 1.3550 0.9470 0.9980 0.9910 0.9980

38 0.9800 0.9390 0.9710 0.9800 1.0700 1.1170 1.0700 0.9320 0.9890 1.3460 0.9320 0.9820 0.9900 0.9820

39 0.9650 0.9240 0.9610 0.9650 1.0500 1.1180 1.0500 0.9180 0.9720 1.3310 0.9180 0.9660 0.9890 0.9660

40 0.9510 0.9110 0.9470 0.9510 1.0300 1.1190 1.0300 0.9050 0.9570 1.3090 0.9050 0.9500 0.9880 0.9500

41 0.9390 0.9000 0.9290 0.9390 1.0110 1.1200 1.0110 0.8930 0.9420 1.2810 0.8930 0.9340 0.9860 0.9340

42 0.9280 0.8890 0.9080 0.9280 0.9920 1.1210 0.9920 0.8820 0.9270 1.2490 0.8820 0.9190 0.9840 0.9190

43 0.9170 0.8800 0.8860 0.9170 0.9730 1.1210 0.9730 0.8710 0.9130 1.2130 0.8710 0.9030 0.9820 0.9030

44 0.9080 0.8730 0.8620 0.9080 0.9560 1.1210 0.9560 0.8620 0.9010 1.1750 0.8620 0.8880 0.9800 0.8880

45 0.9000 0.8660 0.8370 0.9000 0.9390 1.1200 0.9390 0.8530 0.8890 1.1350 0.8530 0.8730 0.9760 0.8730

46 0.8930 0.8610 0.8120 0.8930 0.9240 1.1190 0.9240 0.8450 0.8780 1.0940 0.8450 0.8580 0.9720 0.8580

47 0.8870 0.8580 0.7880 0.8870 0.9090 1.1180 0.9090 0.8380 0.8690 1.0540 0.8380 0.8450 0.9680 0.8450

48 0.8820 0.8550 0.7640 0.8820 0.8970 1.1160 0.8970 0.8310 0.8610 1.0150 0.8310 0.8330 0.9630 0.8330

49 0.8790 0.8540 0.7420 0.8790 0.8850 1.1140 0.8850 0.8240 0.8540 0.9780 0.8240 0.8210 0.9580 0.8210

50 0.8760 0.8540 0.7220 0.8760 0.8750 1.1120 0.8750 0.8190 0.8470 0.9440 0.8190 0.8100 0.9520 0.8100

51 0.8740 0.8550 0.7040 0.8740 0.8660 1.1100 0.8660 0.8140 0.8430 0.9110 0.8140 0.8000 0.9460 0.8000

52 0.8740 0.8570 0.6880 0.8740 0.8590 1.1070 0.8590 0.8110 0.8400 0.8810 0.8110 0.7920 0.9400 0.7920

53 0.8740 0.8610 0.6740 0.8740 0.8530 1.1030 0.8530 0.8070 0.8370 0.8540 0.8070 0.7840 0.9340 0.7840

54 0.8750 0.8660 0.6620 0.8750 0.8490 1.1000 0.8490 0.8040 0.8370 0.8300 0.8040 0.7770 0.9270 0.7770

55 0.8770 0.8710 0.6530 0.8770 0.8880 1.0960 0.8880 0.8020 0.8370 0.8080 0.8020 0.8110 0.9200 0.8110

56 0.8810 0.8780 0.6460 0.8810 0.8870 1.0920 0.8870 0.8000 0.8380 0.7890 0.8000 0.8050 0.9130 0.8050

57 0.8850 0.8850 0.6400 0.8850 0.8870 1.0870 0.8870 0.7990 0.8410 0.7710 0.7990 0.8020 0.9060 0.8020

AGE - MARITAL STATUS - GENDER FACTORS



CUSTOM SHIELD

RATING FACTORS


Single Male Single Female


58 0.8900 0.8930 0.6350 0.8900 0.8880 1.0830 0.8880 0.7990 0.8450 0.7550 0.7990 0.7990 0.8990 0.7990

59 0.8960 0.9010 0.6330 0.8960 0.8910 1.0790 0.8910 0.7990 0.8500 0.7400 0.7990 0.7980 0.8920 0.7980

60 0.9030 0.9100 0.6300 0.9030 0.9380 1.1290 0.9380 0.7990 0.8550 0.7260 0.7990 0.8350 0.9290 0.8350

61 0.9100 0.9190 0.6270 0.9100 0.9440 1.1250 0.9440 0.8000 0.8610 0.7100 0.8000 0.8350 0.9220 0.8350

62 0.9190 0.9280 0.6220 0.9190 0.9490 1.1200 0.9490 0.8010 0.8680 0.6930 0.8010 0.8360 0.9150 0.8360

63 0.9280 0.9370 0.6160 0.9280 0.9570 1.1160 0.9570 0.8020 0.8750 0.6740 0.8020 0.8370 0.9070 0.8370

64 0.9370 0.9460 0.6050 0.9370 0.9650 1.1130 0.9650 0.8030 0.8820 0.6510 0.8030 0.8380 0.9010 0.8380

65 0.9480 0.9540 0.5910 0.9480 0.9720 1.1100 0.9720 0.8050 0.8900 0.6230 0.8050 0.8390 0.8950 0.8390

66 0.9590 0.9620 0.5870 0.9590 0.9810 1.1070 0.9810 0.8060 0.8970 0.6160 0.8060 0.8400 0.8890 0.8400

67 0.9710 0.9700 0.5870 0.9710 0.9890 1.1040 0.9890 0.8080 0.9050 0.6160 0.8080 0.8430 0.8840 0.8430

68 0.9840 0.9770 0.5870 0.9840 0.9970 1.1010 0.9970 0.8100 0.9110 0.6160 0.8100 0.8440 0.8790 0.8440

69 0.9970 0.9830 0.5870 0.9970 1.0040 1.0980 1.0040 0.8130 0.9180 0.6160 0.8130 0.8450 0.8740 0.8450

70 1.0100 0.9900 0.5870 1.0100 1.0110 1.0960 1.0110 0.8150 0.9240 0.6160 0.8150 0.8460 0.8690 0.8460

71 1.0250 0.9960 0.5870 1.0250 1.0630 1.1460 1.0630 0.8180 0.9290 0.6160 0.8180 0.8830 0.9050 0.8830

72 1.0410 1.0020 0.5870 1.0410 1.0670 1.1430 1.0670 0.8200 0.9340 0.6160 0.8200 0.8830 0.9010 0.8830

73 1.0570 1.0080 0.5870 1.0570 1.0710 1.1400 1.0710 0.8230 0.9370 0.6160 0.8230 0.8810 0.8950 0.8810

74 1.0740 1.0160 0.5870 1.0740 1.0730 1.1350 1.0730 0.8270 0.9410 0.6160 0.8270 0.8790 0.8890 0.8790

75 1.0930 1.0240 0.5870 1.0930 1.0730 1.1300 1.0730 0.8300 0.9430 0.6160 0.8300 0.8760 0.8820 0.8760

76 1.1140 1.0340 0.5870 1.1140 1.0720 1.1230 1.0720 0.8350 0.9460 0.6160 0.8350 0.8730 0.8760 0.8730

77 1.1350 1.0470 0.5870 1.1350 1.0700 1.1130 1.0700 0.8400 0.9490 0.6160 0.8400 0.8690 0.8660 0.8690

78 1.1600 1.0640 0.5870 1.1600 1.0660 1.1010 1.0660 0.8450 0.9530 0.6160 0.8450 0.8660 0.8550 0.8660

79 1.1870 1.0860 0.5870 1.1870 1.0630 1.0860 1.0630 0.8530 0.9580 0.6160 0.8530 0.8630 0.8430 0.8630

80 1.2170 1.1150 0.5870 1.2170 1.0580 1.1160 1.0580 0.8620 0.9640 0.6160 0.8620 0.8590 0.8650 0.8590

81 1.2510 1.1530 0.5870 1.2510 1.0550 1.0910 1.0550 0.8730 0.9730 0.6160 0.8730 0.8580 0.8440 0.8580

82 1.2910 1.2030 0.5870 1.2910 1.0510 1.0630 1.0510 0.8860 0.9860 0.6160 0.8860 0.8590 0.8200 0.8590

83 1.3350 1.2670 0.5870 1.3350 1.0500 1.0270 1.0500 0.9030 1.0040 0.6160 0.9030 0.8630 0.7920 0.8630

84 1.3880 1.3530 0.5870 1.3880 1.0520 0.9860 1.0520 0.9240 1.0280 0.6160 0.9240 0.8690 0.7610 0.8690

85 1.4500 1.4660 0.5870 1.4500 1.0580 0.9380 1.0580 0.9500 1.0620 0.6160 0.9500 0.8820 0.7250 0.8820

86 1.4730 1.5030 0.5870 1.4730 1.0650 0.9260 1.0650 0.9590 1.0730 0.6160 0.9590 0.8880 0.7150 0.8880

87 1.4850 1.5150 0.5870 1.4850 1.0730 0.9260 1.0730 0.9630 1.0770 0.6160 0.9630 0.8910 0.7150 0.8910

88 1.4970 1.5270 0.5870 1.4970 1.0820 0.9260 1.0820 0.9670 1.0820 0.6160 0.9670 0.8950 0.7150 0.8950

89 1.5090 1.5390 0.5870 1.5090 1.0900 0.9260 1.0900 0.9700 1.0860 0.6160 0.9700 0.8980 0.7150 0.8980

90 1.5210 1.5520 0.5870 1.5210 1.0990 0.9260 1.0990 0.9740 1.0900 0.6160 0.9740 0.9020 0.7150 0.9020

91 1.5330 1.5640 0.5870 1.5330 1.1070 0.9260 1.1070 0.9780 1.0950 0.6160 0.9780 0.9050 0.7150 0.9050

92 1.5450 1.5770 0.5870 1.5450 1.1170 0.9260 1.1170 0.9820 1.0990 0.6160 0.9820 0.9090 0.7150 0.9090

93 1.5580 1.5890 0.5870 1.5580 1.1260 0.9260 1.1260 0.9860 1.1040 0.6160 0.9860 0.9120 0.7150 0.9120

94 1.5700 1.6020 0.5870 1.5700 1.1350 0.9260 1.1350 0.9900 1.1080 0.6160 0.9900 0.9170 0.7150 0.9170

95 1.5830 1.6150 0.5870 1.5830 1.1440 0.9260 1.1440 0.9940 1.1120 0.6160 0.9940 0.9200 0.7150 0.9200

96 1.5950 1.6280 0.5870 1.5950 1.1530 0.9260 1.1530 0.9980 1.1170 0.6160 0.9980 0.9230 0.7150 0.9230

97 1.6080 1.6410 0.5870 1.6080 1.1630 0.9260 1.1630 1.0020 1.1210 0.6160 1.0020 0.9270 0.7150 0.9270

98 1.6210 1.6540 0.5870 1.6210 1.1720 0.9260 1.1720 1.0060 1.1260 0.6160 1.0060 0.9300 0.7150 0.9300

99 1.6340 1.6670 0.5870 1.6340 1.1810 0.9260 1.1810 1.0100 1.1300 0.6160 1.0100 0.9350 0.7150 0.9350




CUSTOM SHIELD

RATING FACTORS


Married Male Married Female


15 3.0870 3.6280 1.6000 3.0870 3.0980 0.9950 3.0980 2.5420 2.2980 1.8360 2.5420 1.9030 0.7360 1.9030

16 3.0870 3.6280 1.6000 3.0870 3.0980 0.9950 3.0980 2.5420 2.2980 1.8360 2.5420 1.9030 0.7360 1.9030

17 2.7450 3.1120 1.3660 2.7450 2.7370 1.0080 2.7370 2.2740 2.0340 1.5580 2.2740 1.7440 0.7550 1.7440

18 2.3670 2.5860 1.1450 2.3670 2.3590 1.0210 2.3590 1.9760 1.7590 1.2960 1.9760 1.5750 0.7770 1.5750

19 2.0630 2.1990 0.9990 2.0630 2.0730 1.0290 2.0730 1.7330 1.5540 1.1220 1.7330 1.4450 0.7960 1.4450

20 1.8130 1.9090 0.9030 1.8130 1.8530 1.0350 1.8530 1.5330 1.3960 1.0070 1.5330 1.3430 0.8120 1.3430

21 1.6070 1.6870 0.8410 1.6070 1.6790 1.0370 1.6790 1.3670 1.2750 0.9310 1.3670 1.2600 0.8260 1.2600

22 1.4340 1.5120 0.8030 1.4340 1.5370 1.0370 1.5370 1.2270 1.1790 0.8830 1.2270 1.1910 0.8360 1.1910

23 1.3470 1.4020 0.7840 1.3470 1.4210 1.0350 1.4210 1.1590 1.1240 0.8550 1.1590 1.1350 0.8460 1.1350

24 1.2920 1.3220 0.7770 1.2920 1.3320 1.0330 1.3320 1.1170 1.0870 0.8420 1.1170 1.0910 0.8530 1.0910

25 1.2440 1.2590 0.7800 1.2440 1.2610 1.0300 1.2610 1.0810 1.0590 0.8400 1.0810 1.0580 0.8590 1.0580

26 1.2040 1.2090 0.7920 1.2040 1.2060 1.0250 1.2060 1.0490 1.0390 0.8460 1.0490 1.0330 0.8650 1.0330

27 1.1690 1.1680 0.8100 1.1690 1.1620 1.0210 1.1620 1.0220 1.0230 0.8580 1.0220 1.0140 0.8690 1.0140

28 1.1380 1.1340 0.8320 1.1380 1.1270 1.0170 1.1270 0.9990 1.0100 0.8760 0.9990 0.9990 0.8720 0.9990

29 1.1110 1.1060 0.8570 1.1110 1.0990 1.0130 1.0990 0.9790 0.9990 0.8950 0.9790 0.9880 0.8750 0.9880

30 1.0880 1.0820 0.8840 1.0880 1.0760 1.0100 1.0760 0.9600 0.9900 0.9160 0.9600 0.9790 0.8780 0.9790

31 1.0670 1.0630 0.9100 1.0670 1.0570 1.0070 1.0570 0.9440 0.9820 0.9370 0.9440 0.9720 0.8810 0.9720

32 1.0480 1.0450 0.9360 1.0480 1.0410 1.0040 1.0410 0.9290 0.9740 0.9560 0.9290 0.9650 0.8830 0.9650

33 1.0320 1.0300 0.9590 1.0320 1.0260 1.0020 1.0260 0.9150 0.9660 0.9730 0.9150 0.9590 0.8860 0.9590

34 1.0170 1.0150 0.9800 1.0170 1.0140 1.0010 1.0140 0.9020 0.9570 0.9860 0.9020 0.9520 0.8880 0.9520

35 1.0030 1.0030 0.9960 1.0030 1.0030 1.0000 1.0030 0.8910 0.9480 0.9950 0.8910 0.9450 0.8900 0.9450

36 0.9910 0.9910 1.0080 0.9910 0.9920 1.0000 0.9920 0.8800 0.9380 1.0000 0.8800 0.9370 0.8920 0.9370

37 0.9800 0.9800 1.0150 0.9800 0.9810 1.0000 0.9810 0.8690 0.9280 1.0000 0.8690 0.9280 0.8940 0.9280

38 0.9690 0.9700 1.0180 0.9690 0.9710 1.0010 0.9710 0.8590 0.9180 0.9950 0.8590 0.9190 0.8960 0.9190

39 0.9610 0.9590 1.0160 0.9610 0.9610 1.0020 0.9610 0.8500 0.9060 0.9860 0.8500 0.9090 0.8980 0.9090

40 0.9530 0.9500 1.0090 0.9530 0.9510 1.0040 0.9510 0.8410 0.8930 0.9730 0.8410 0.8980 0.9000 0.8980

41 0.9460 0.9410 0.9980 0.9460 0.9410 1.0060 0.9410 0.8330 0.8810 0.9550 0.8330 0.8870 0.9020 0.8870

42 0.9390 0.9330 0.9850 0.9390 0.9310 1.0080 0.9310 0.8260 0.8680 0.9350 0.8260 0.8750 0.9030 0.8750

43 0.9330 0.9250 0.9680 0.9330 0.9210 1.0100 0.9210 0.8180 0.8550 0.9130 0.8180 0.8620 0.9040 0.8620

44 0.9280 0.9180 0.9500 0.9280 0.9110 1.0130 0.9110 0.8110 0.8420 0.8890 0.8110 0.8500 0.9040 0.8500

45 0.9250 0.9110 0.9300 0.9250 0.9020 1.0150 0.9020 0.8050 0.8290 0.8640 0.8050 0.8370 0.9040 0.8370

46 0.9220 0.9050 0.9100 0.9220 0.8930 1.0180 0.8930 0.7980 0.8170 0.8390 0.7980 0.8240 0.9040 0.8240

47 0.9190 0.9010 0.8890 0.9190 0.8840 1.0210 0.8840 0.7920 0.8060 0.8140 0.7920 0.8120 0.9030 0.8120

48 0.9170 0.8970 0.8700 0.9170 0.8760 1.0230 0.8760 0.7870 0.7950 0.7910 0.7870 0.8000 0.9010 0.8000

49 0.9170 0.8940 0.8520 0.9170 0.8690 1.0250 0.8690 0.7820 0.7850 0.7680 0.7820 0.7890 0.8990 0.7890

50 0.9170 0.8920 0.8350 0.9170 0.8620 1.0270 0.8620 0.7780 0.7760 0.7480 0.7780 0.7780 0.8970 0.7780

51 0.9180 0.8920 0.8210 0.9180 0.8550 1.0290 0.8550 0.7740 0.7680 0.7300 0.7740 0.7670 0.8940 0.7670

52 0.9190 0.8930 0.8080 0.9190 0.8500 1.0310 0.8500 0.7700 0.7610 0.7140 0.7700 0.7570 0.8900 0.7570

53 0.9220 0.8940 0.7990 0.9220 0.8460 1.0330 0.8460 0.7670 0.7550 0.7000 0.7670 0.7480 0.8860 0.7480

54 0.9250 0.8980 0.7920 0.9250 0.8420 1.0350 0.8420 0.7640 0.7510 0.6890 0.7640 0.7410 0.8810 0.7410

55 0.9300 0.9020 0.7870 0.9300 0.8810 1.0360 0.8810 0.7610 0.7470 0.6790 0.7610 0.7700 0.8760 0.7700

56 0.9350 0.9070 0.7840 0.9350 0.8790 1.0370 0.8790 0.7580 0.7450 0.6720 0.7580 0.7620 0.8710 0.7620

57 0.9400 0.9140 0.7840 0.9400 0.8780 1.0380 0.8780 0.7560 0.7440 0.6670 0.7560 0.7570 0.8650 0.7570




CUSTOM SHIELD

RATING FACTORS


Married Male Married Female


58 0.9460 0.9230 0.7850 0.9460 0.8780 1.0390 0.8780 0.7540 0.7440 0.6630 0.7540 0.7520 0.8590 0.7520

59 0.9530 0.9320 0.7880 0.9530 0.8780 1.0400 0.8780 0.7520 0.7450 0.6610 0.7520 0.7480 0.8530 0.7480

60 0.9600 0.9410 0.7910 0.9600 0.9210 1.0930 0.9210 0.7510 0.7470 0.6580 0.7510 0.7790 0.8880 0.7790

61 0.9690 0.9530 0.7930 0.9690 0.9230 1.0940 0.9230 0.7490 0.7500 0.6550 0.7490 0.7760 0.8810 0.7760

62 0.9780 0.9650 0.7940 0.9780 0.9260 1.0940 0.9260 0.7480 0.7540 0.6510 0.7480 0.7720 0.8740 0.7720

63 0.9870 0.9780 0.7920 0.9870 0.9300 1.0950 0.9300 0.7470 0.7590 0.6450 0.7470 0.7700 0.8660 0.7700

64 0.9960 0.9910 0.7860 0.9960 0.9330 1.0960 0.9330 0.7450 0.7640 0.6350 0.7450 0.7680 0.8590 0.7680

65 1.0060 1.0040 0.7730 1.0060 0.9370 1.0960 0.9370 0.7440 0.7700 0.6200 0.7440 0.7670 0.8510 0.7670

66 1.0170 1.0190 0.7690 1.0170 0.9420 1.0970 0.9420 0.7420 0.7760 0.6160 0.7420 0.7660 0.8420 0.7660

67 1.0280 1.0330 0.7690 1.0280 0.9470 1.0980 0.9470 0.7400 0.7820 0.6160 0.7400 0.7630 0.8340 0.7630

68 1.0390 1.0480 0.7690 1.0390 0.9520 1.0980 0.9520 0.7390 0.7890 0.6160 0.7390 0.7620 0.8250 0.7620

69 1.0510 1.0630 0.7690 1.0510 0.9570 1.0980 0.9570 0.7370 0.7950 0.6160 0.7370 0.7610 0.8170 0.7610

70 1.0630 1.0780 0.7690 1.0630 0.9610 1.0970 0.9610 0.7350 0.8020 0.6160 0.7350 0.7590 0.8070 0.7590

71 1.0760 1.0930 0.7690 1.0760 1.0110 1.1480 1.0110 0.7330 0.8080 0.6160 0.7330 0.7910 0.8360 0.7910

72 1.0890 1.1080 0.7690 1.0890 1.0170 1.1460 1.0170 0.7300 0.8140 0.6160 0.7300 0.7900 0.8250 0.7900

73 1.1020 1.1230 0.7690 1.1020 1.0220 1.1440 1.0220 0.7280 0.8190 0.6160 0.7280 0.7880 0.8140 0.7880

74 1.1160 1.1390 0.7690 1.1160 1.0280 1.1390 1.0280 0.7260 0.8230 0.6160 0.7260 0.7840 0.8020 0.7840

75 1.1310 1.1550 0.7690 1.1310 1.0340 1.1320 1.0340 0.7240 0.8270 0.6160 0.7240 0.7820 0.7880 0.7820

76 1.1480 1.1720 0.7690 1.1480 1.0420 1.1240 1.0420 0.7220 0.8300 0.6160 0.7220 0.7800 0.7720 0.7800

77 1.1650 1.1890 0.7690 1.1650 1.0510 1.1120 1.0510 0.7210 0.8330 0.6160 0.7210 0.7770 0.7570 0.7770

78 1.1850 1.2100 0.7690 1.1850 1.0610 1.0970 1.0610 0.7210 0.8360 0.6160 0.7210 0.7760 0.7370 0.7760

79 1.2060 1.2320 0.7690 1.2060 1.0740 1.0780 1.0740 0.7210 0.8390 0.6160 0.7210 0.7760 0.7170 0.7760

80 1.2310 1.2590 0.7690 1.2310 1.0900 1.1030 1.0900 0.7220 0.8420 0.6160 0.7220 0.7770 0.7250 0.7770

81 1.2590 1.2900 0.7690 1.2590 1.1120 1.0740 1.1120 0.7240 0.8460 0.6160 0.7240 0.7810 0.6970 0.7810

82 1.2910 1.3280 0.7690 1.2910 1.1390 1.0400 1.1390 0.7290 0.8510 0.6160 0.7290 0.7870 0.6670 0.7870

83 1.3280 1.3750 0.7690 1.3280 1.1730 0.9980 1.1730 0.7350 0.8580 0.6160 0.7350 0.7970 0.6330 0.7970

84 1.3720 1.4330 0.7690 1.3720 1.2180 0.9510 1.2180 0.7440 0.8680 0.6160 0.7440 0.8120 0.5960 0.8120

85 1.4230 1.5060 0.7690 1.4230 1.2740 0.8980 1.2740 0.7570 0.8830 0.6160 0.7570 0.8340 0.5570 0.8340

86 1.4430 1.5320 0.7690 1.4430 1.2940 0.8840 1.2940 0.7630 0.8890 0.6160 0.7630 0.8410 0.5460 0.8410

87 1.4540 1.5440 0.7690 1.4540 1.3050 0.8840 1.3050 0.7660 0.8920 0.6160 0.7660 0.8440 0.5460 0.8440

88 1.4660 1.5570 0.7690 1.4660 1.3160 0.8840 1.3160 0.7690 0.8960 0.6160 0.7690 0.8480 0.5460 0.8480

89 1.4780 1.5690 0.7690 1.4780 1.3260 0.8840 1.3260 0.7720 0.8990 0.6160 0.7720 0.8510 0.5460 0.8510

90 1.4900 1.5820 0.7690 1.4900 1.3360 0.8840 1.3360 0.7750 0.9030 0.6160 0.7750 0.8540 0.5460 0.8540

91 1.5020 1.5950 0.7690 1.5020 1.3470 0.8840 1.3470 0.7780 0.9070 0.6160 0.7780 0.8580 0.5460 0.8580

92 1.5140 1.6070 0.7690 1.5140 1.3580 0.8840 1.3580 0.7810 0.9100 0.6160 0.7810 0.8610 0.5460 0.8610

93 1.5260 1.6200 0.7690 1.5260 1.3690 0.8840 1.3690 0.7840 0.9140 0.6160 0.7840 0.8650 0.5460 0.8650

94 1.5380 1.6330 0.7690 1.5380 1.3800 0.8840 1.3800 0.7870 0.9180 0.6160 0.7870 0.8680 0.5460 0.8680

95 1.5500 1.6460 0.7690 1.5500 1.3900 0.8840 1.3900 0.7900 0.9210 0.6160 0.7900 0.8720 0.5460 0.8720

96 1.5630 1.6590 0.7690 1.5630 1.4020 0.8840 1.4020 0.7940 0.9250 0.6160 0.7940 0.8750 0.5460 0.8750

97 1.5750 1.6730 0.7690 1.5750 1.4130 0.8840 1.4130 0.7970 0.9290 0.6160 0.7970 0.8790 0.5460 0.8790

98 1.5880 1.6860 0.7690 1.5880 1.4250 0.8840 1.4250 0.8000 0.9320 0.6160 0.8000 0.8820 0.5460 0.8820

99 1.6010 1.7000 0.7690 1.6010 1.4360 0.8840 1.4360 0.8030 0.9360 0.6160 0.8030 0.8860 0.5460 0.8860




CUSTOM SHIELD

RATING FACTORS


Status Factor

No Training 1.00

Training 0.95

Distant Student Discount


Not DS 1.00 1.00 1.00 1.00 1.00 1.00 1.00

DS Age 15 0.80 0.80 0.80 0.80 0.80 0.80 0.80

DS Age 16 0.80 0.80 0.80 0.80 0.80 0.80 0.80

DS Age 17 0.80 0.80 0.80 0.80 0.80 0.80 0.80

DS Age 18 0.80 0.80 0.80 0.80 0.80 0.80 0.80

DS Age 19 0.81 0.81 0.81 0.81 0.81 0.81 0.81

DS Age 20 0.83 0.83 0.83 0.83 0.83 0.83 0.83

DS Age 21 0.85 0.85 0.85 0.85 0.85 0.85 0.85

DS Age 22 0.87 0.87 0.87 0.87 0.87 0.87 0.87

DS Age 23 0.89 0.89 0.89 0.89 0.89 0.89 0.89

DS Age 24 0.91 0.91 0.91 0.91 0.91 0.91 0.91

DS Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Driver Training Discount


No DT 1.00 1.00 1.00 1.00 1.00 1.00 1.00

DT Age 15 0.98 0.98 0.98 1.00 1.00 0.98 0.98

DT Age 16 0.98 0.98 0.98 1.00 1.00 0.98 0.98

DT Age 17 0.98 0.98 0.98 1.00 1.00 0.98 0.98

DT Age 18 0.98 0.98 0.98 1.00 1.00 0.98 0.98

DT Age 19 0.98 0.98 0.98 1.00 1.00 0.98 0.98

DT Age 20 0.98 0.98 0.98 1.00 1.00 0.98 0.98

DT Age 21 1.00 1.00 1.00 1.00 1.00 1.00 1.00

DT Age 22 1.00 1.00 1.00 1.00 1.00 1.00 1.00

DT Age 23 1.00 1.00 1.00 1.00 1.00 1.00 1.00

DT Age 24 1.00 1.00 1.00 1.00 1.00 1.00 1.00

DT Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Good Student Credit


No GS 1.00 1.00 1.00 1.00 1.00 1.00 1.00

GS Age 15 0.84 0.84 0.84 0.84 0.84 0.84 0.84

GS Age 16 0.84 0.84 0.84 0.84 0.84 0.84 0.84

GS Age 17 0.86 0.86 0.86 0.86 0.86 0.86 0.86

GS Age 18 0.88 0.88 0.88 0.88 0.88 0.88 0.88

GS Age 19 0.90 0.90 0.90 0.90 0.90 0.90 0.90

GS Age 20 0.92 0.92 0.92 0.92 0.92 0.92 0.92

GS Age 21 0.94 0.94 0.94 0.94 0.94 0.94 0.94

GS Age 22 0.96 0.96 0.96 0.96 0.96 0.96 0.96

GS Age 23 0.98 0.98 0.98 0.98 0.98 0.98 0.98

GS Age 24 0.99 0.99 0.99 0.99 0.99 0.99 0.99

GS Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Defensive Driver Training Credit



CUSTOM SHIELD

RATING FACTORS


LEGACY DISCOUNT RELATIVITIES

AGE BI PD PIP UMBI UMPD COMP COLL

15 0.90 0.90 0.90 0.90 0.90 0.90 0.90

16 0.90 0.90 0.90 0.90 0.90 0.90 0.90

17 0.90 0.90 0.90 0.90 0.90 0.90 0.90

18 0.90 0.90 0.90 0.90 0.90 0.90 0.90

19 0.90 0.90 0.90 0.90 0.90 0.90 0.90

20 0.90 0.90 0.90 0.90 0.90 0.90 0.90

21 0.92 0.92 0.92 0.92 0.92 0.92 0.92

22 0.94 0.94 0.94 0.94 0.94 0.94 0.94

23 0.96 0.96 0.96 0.96 0.96 0.96 0.96

24 0.98 0.98 0.98 0.98 0.98 0.98 0.98



CUSTOM SHIELD

RATING FACTORS


0 Points 0 Points

AGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL

15 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 58 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

16 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 59 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

17 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 60 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

18 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 61 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

19 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 62 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

20 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 63 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

21 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 64 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

22 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 65 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

23 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 66 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

24 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 67 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

25 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 68 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

26 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 69 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

27 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 70 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

28 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 71 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

29 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 72 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

30 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 73 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

31 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 74 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

32 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 75 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

33 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 76 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

34 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 77 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

35 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 78 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

36 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 79 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

37 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 80 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

38 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 81 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

39 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 82 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

40 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 83 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

41 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 84 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

42 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 85 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

43 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 86 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

44 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 87 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

45 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 88 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

46 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 89 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

47 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 90 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

48 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 91 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

49 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 92 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

50 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 93 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

51 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 94 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

52 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 95 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

53 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 96 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

54 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 97 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

55 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 98 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

56 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 99 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

57 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

POINT SURCHARGE RELATIVITIES



CUSTOM SHIELD

RATING FACTORS


1 Point 1 Point


15 1.0710 1.0920 1.0600 1.0200 1.0300 1.0500 1.0300 58 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

16 1.0710 1.0920 1.0600 1.0200 1.0300 1.0500 1.0300 59 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

17 1.0763 1.1025 1.0600 1.0250 1.0400 1.0500 1.0400 60 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

18 1.0815 1.1130 1.0600 1.0300 1.0500 1.0500 1.0500 61 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

19 1.0868 1.1235 1.0600 1.0350 1.0600 1.0500 1.0600 62 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

20 1.0920 1.1340 1.0600 1.0400 1.0700 1.0500 1.0700 63 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

21 1.1109 1.1529 1.0600 1.0580 1.0840 1.0500 1.0840 64 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

22 1.1298 1.1718 1.0600 1.0760 1.0980 1.0500 1.0980 65 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

23 1.1487 1.1907 1.0600 1.0940 1.1120 1.0500 1.1120 66 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

24 1.1676 1.2096 1.0600 1.1120 1.1260 1.0500 1.1260 67 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

25 1.1865 1.2285 1.0600 1.1300 1.1400 1.0500 1.1400 68 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

26 1.1918 1.2327 1.0600 1.1350 1.1440 1.0500 1.1440 69 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

27 1.1970 1.2369 1.0600 1.1400 1.1480 1.0500 1.1480 70 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

28 1.2023 1.2411 1.0600 1.1450 1.1520 1.0500 1.1520 71 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

29 1.2075 1.2453 1.0600 1.1500 1.1560 1.0500 1.1560 72 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

30 1.2128 1.2495 1.0600 1.1550 1.1600 1.0500 1.1600 73 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

31 1.2180 1.2537 1.0600 1.1600 1.1640 1.0500 1.1640 74 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

32 1.2233 1.2579 1.0600 1.1650 1.1680 1.0500 1.1680 75 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

33 1.2285 1.2621 1.0600 1.1700 1.1720 1.0500 1.1720 76 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

34 1.2338 1.2663 1.0600 1.1750 1.1760 1.0500 1.1760 77 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

35 1.2390 1.2705 1.0600 1.1800 1.1800 1.0500 1.1800 78 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

36 1.2443 1.2726 1.0600 1.1850 1.1840 1.0500 1.1840 79 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

37 1.2485 1.2747 1.0600 1.1890 1.1870 1.0500 1.1870 80 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

38 1.2537 1.2768 1.0600 1.1940 1.1910 1.0500 1.1910 81 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

39 1.2579 1.2789 1.0600 1.1980 1.1940 1.0500 1.1940 82 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

40 1.2632 1.2810 1.0600 1.2030 1.1980 1.0500 1.1980 83 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

41 1.2674 1.2831 1.0600 1.2070 1.2010 1.0500 1.2010 84 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

42 1.2726 1.2852 1.0600 1.2120 1.2050 1.0500 1.2050 85 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

43 1.2768 1.2873 1.0600 1.2160 1.2080 1.0500 1.2080 86 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

44 1.2821 1.2894 1.0600 1.2210 1.2120 1.0500 1.2120 87 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

45 1.2863 1.2915 1.0600 1.2250 1.2150 1.0500 1.2150 88 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

46 1.2915 1.2936 1.0600 1.2300 1.2190 1.0500 1.2190 89 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

47 1.2957 1.2957 1.0600 1.2340 1.2220 1.0500 1.2220 90 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

48 1.3010 1.2978 1.0600 1.2390 1.2260 1.0500 1.2260 91 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

49 1.3052 1.2999 1.0600 1.2430 1.2290 1.0500 1.2290 92 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

50 1.3104 1.3020 1.0600 1.2480 1.2330 1.0500 1.2330 93 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

51 1.3146 1.3041 1.0600 1.2520 1.2360 1.0500 1.2360 94 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

52 1.3199 1.3062 1.0600 1.2570 1.2400 1.0500 1.2400 95 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

53 1.3241 1.3083 1.0600 1.2610 1.2430 1.0500 1.2430 96 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

54 1.3293 1.3104 1.0600 1.2660 1.2470 1.0500 1.2470 97 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

55 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500 98 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

56 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500 99 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500

57 1.3335 1.3125 1.0600 1.2700 1.2500 1.0500 1.2500




CUSTOM SHIELD

RATING FACTORS


2 Points 2 Points


15 1.2160 1.3200 1.5400 1.2800 1.3600 1.1100 1.3600 58 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

16 1.2160 1.3200 1.5400 1.2800 1.3600 1.1100 1.3600 59 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

17 1.2379 1.3280 1.5400 1.3030 1.3700 1.1100 1.3700 60 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

18 1.2588 1.3350 1.5400 1.3250 1.3800 1.1100 1.3800 61 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

19 1.2806 1.3430 1.5400 1.3480 1.3900 1.1100 1.3900 62 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

20 1.3015 1.3500 1.5400 1.3700 1.4000 1.1100 1.4000 63 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

21 1.3414 1.3700 1.5400 1.4120 1.4300 1.1100 1.4300 64 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

22 1.3813 1.3900 1.5400 1.4540 1.4600 1.1100 1.4600 65 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

23 1.4212 1.4100 1.5400 1.4960 1.4900 1.1100 1.4900 66 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

24 1.4611 1.4300 1.5400 1.5380 1.5200 1.1100 1.5200 67 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

25 1.5010 1.4500 1.5400 1.5800 1.5500 1.1100 1.5500 68 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

26 1.5096 1.4560 1.5400 1.5890 1.5530 1.1100 1.5530 69 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

27 1.5181 1.4620 1.5400 1.5980 1.5550 1.1100 1.5550 70 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

28 1.5267 1.4680 1.5400 1.6070 1.5580 1.1100 1.5580 71 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

29 1.5352 1.4740 1.5400 1.6160 1.5600 1.1100 1.5600 72 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

30 1.5438 1.4800 1.5400 1.6250 1.5630 1.1100 1.5630 73 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

31 1.5523 1.4860 1.5400 1.6340 1.5650 1.1100 1.5650 74 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

32 1.5609 1.4920 1.5400 1.6430 1.5680 1.1100 1.5680 75 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

33 1.5694 1.4980 1.5400 1.6520 1.5700 1.1100 1.5700 76 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

34 1.5780 1.5040 1.5400 1.6610 1.5730 1.1100 1.5730 77 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

35 1.5865 1.5100 1.5400 1.6700 1.5750 1.1100 1.5750 78 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

36 1.5951 1.5180 1.5400 1.6790 1.5820 1.1100 1.5820 79 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

37 1.6036 1.5260 1.5400 1.6880 1.5890 1.1100 1.5890 80 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

38 1.6122 1.5340 1.5400 1.6970 1.5950 1.1100 1.5950 81 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

39 1.6207 1.5420 1.5400 1.7060 1.6020 1.1100 1.6020 82 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

40 1.6293 1.5500 1.5400 1.7150 1.6090 1.1100 1.6090 83 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

41 1.6378 1.5580 1.5400 1.7240 1.6160 1.1100 1.6160 84 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

42 1.6464 1.5660 1.5400 1.7330 1.6220 1.1100 1.6220 85 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

43 1.6549 1.5740 1.5400 1.7420 1.6290 1.1100 1.6290 86 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

44 1.6635 1.5820 1.5400 1.7510 1.6360 1.1100 1.6360 87 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

45 1.6720 1.5900 1.5400 1.7600 1.6430 1.1100 1.6430 88 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

46 1.6806 1.5980 1.5400 1.7690 1.6490 1.1100 1.6490 89 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

47 1.6891 1.6060 1.5400 1.7780 1.6560 1.1100 1.6560 90 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

48 1.6977 1.6140 1.5400 1.7870 1.6630 1.1100 1.6630 91 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

49 1.7062 1.6220 1.5400 1.7960 1.6700 1.1100 1.6700 92 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

50 1.7148 1.6300 1.5400 1.8050 1.6760 1.1100 1.6760 93 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

51 1.7233 1.6380 1.5400 1.8140 1.6830 1.1100 1.6830 94 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

52 1.7319 1.6460 1.5400 1.8230 1.6900 1.1100 1.6900 95 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

53 1.7404 1.6540 1.5400 1.8320 1.6970 1.1100 1.6970 96 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

54 1.7490 1.6620 1.5400 1.8410 1.7030 1.1100 1.7030 97 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

55 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100 98 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

56 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100 99 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100

57 1.7575 1.6700 1.5400 1.8500 1.7100 1.1100 1.7100




CUSTOM SHIELD

RATING FACTORS


3 Points 3 Points


15 1.4800 1.5960 2.1850 1.4800 1.6200 1.5930 1.6200 58 2.2500 2.0895 2.1850 2.2500 2.0320 1.5930 2.0320

16 1.4800 1.5960 2.1850 1.4800 1.6200 1.5930 1.6200 59 2.2500 2.0895 2.1850 2.2500 2.0320 1.5930 2.0320

17 1.5130 1.6044 2.1850 1.5130 1.6350 1.5930 1.6350 60 2.2500 2.0895 2.1850 2.2500 2.0330 1.5930 2.0330

18 1.5450 1.6118 2.1850 1.5450 1.6500 1.5930 1.6500 61 2.2500 2.0895 2.1850 2.2500 2.0330 1.5930 2.0330

19 1.5780 1.6202 2.1850 1.5780 1.6650 1.5930 1.6650 62 2.2500 2.0895 2.1850 2.2500 2.0340 1.5930 2.0340

20 1.6100 1.6275 2.1850 1.6100 1.6800 1.5930 1.6800 63 2.2500 2.0895 2.1850 2.2500 2.0340 1.5930 2.0340

21 1.6600 1.6569 2.1850 1.6600 1.7100 1.5930 1.7100 64 2.2500 2.0895 2.1850 2.2500 2.0350 1.5930 2.0350

22 1.7100 1.6863 2.1850 1.7100 1.7400 1.5930 1.7400 65 2.2500 2.0895 2.1850 2.2500 2.0350 1.5930 2.0350

23 1.7600 1.7157 2.1850 1.7600 1.7700 1.5930 1.7700 66 2.2500 2.0895 2.1850 2.2500 2.0360 1.5930 2.0360

24 1.8100 1.7451 2.1850 1.8100 1.8000 1.5930 1.8000 67 2.2500 2.0895 2.1850 2.2500 2.0360 1.5930 2.0360

25 1.8600 1.7745 2.1850 1.8600 1.8300 1.5930 1.8300 68 2.2500 2.0895 2.1850 2.2500 2.0370 1.5930 2.0370

26 1.8770 1.7850 2.1850 1.8770 1.8350 1.5930 1.8350 69 2.2500 2.0895 2.1850 2.2500 2.0370 1.5930 2.0370

27 1.8940 1.7955 2.1850 1.8940 1.8390 1.5930 1.8390 70 2.2500 2.0895 2.1850 2.2500 2.0380 1.5930 2.0380

28 1.9110 1.8060 2.1850 1.9110 1.8440 1.5930 1.8440 71 2.2500 2.0895 2.1850 2.2500 2.0380 1.5930 2.0380

29 1.9280 1.8165 2.1850 1.9280 1.8480 1.5930 1.8480 72 2.2500 2.0895 2.1850 2.2500 2.0390 1.5930 2.0390

30 1.9450 1.8270 2.1850 1.9450 1.8530 1.5930 1.8530 73 2.2500 2.0895 2.1850 2.2500 2.0390 1.5930 2.0390

31 1.9620 1.8375 2.1850 1.9620 1.8570 1.5930 1.8570 74 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

32 1.9790 1.8480 2.1850 1.9790 1.8620 1.5930 1.8620 75 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

33 1.9960 1.8585 2.1850 1.9960 1.8660 1.5930 1.8660 76 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

34 2.0130 1.8690 2.1850 2.0130 1.8710 1.5930 1.8710 77 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

35 2.0300 1.8795 2.1850 2.0300 1.8750 1.5930 1.8750 78 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

36 2.0410 1.8900 2.1850 2.0410 1.8830 1.5930 1.8830 79 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

37 2.0520 1.9005 2.1850 2.0520 1.8910 1.5930 1.8910 80 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

38 2.0630 1.9110 2.1850 2.0630 1.8980 1.5930 1.8980 81 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

39 2.0740 1.9215 2.1850 2.0740 1.9060 1.5930 1.9060 82 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

40 2.0850 1.9320 2.1850 2.0850 1.9140 1.5930 1.9140 83 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

41 2.0960 1.9425 2.1850 2.0960 1.9220 1.5930 1.9220 84 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

42 2.1070 1.9530 2.1850 2.1070 1.9290 1.5930 1.9290 85 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

43 2.1180 1.9635 2.1850 2.1180 1.9370 1.5930 1.9370 86 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

44 2.1290 1.9740 2.1850 2.1290 1.9450 1.5930 1.9450 87 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

45 2.1400 1.9845 2.1850 2.1400 1.9530 1.5930 1.9530 88 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

46 2.1510 1.9950 2.1850 2.1510 1.9600 1.5930 1.9600 89 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

47 2.1620 2.0055 2.1850 2.1620 1.9680 1.5930 1.9680 90 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

48 2.1730 2.0160 2.1850 2.1730 1.9760 1.5930 1.9760 91 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

49 2.1840 2.0265 2.1850 2.1840 1.9840 1.5930 1.9840 92 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

50 2.1950 2.0370 2.1850 2.1950 1.9910 1.5930 1.9910 93 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

51 2.2060 2.0475 2.1850 2.2060 1.9990 1.5930 1.9990 94 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

52 2.2170 2.0580 2.1850 2.2170 2.0070 1.5930 2.0070 95 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

53 2.2280 2.0685 2.1850 2.2280 2.0150 1.5930 2.0150 96 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

54 2.2390 2.0790 2.1850 2.2390 2.0220 1.5930 2.0220 97 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

55 2.2500 2.0895 2.1850 2.2500 2.0300 1.5930 2.0300 98 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

56 2.2500 2.0895 2.1850 2.2500 2.0310 1.5930 2.0310 99 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.0400

57 2.2500 2.0895 2.1850 2.2500 2.0310 1.5930 2.0310




CUSTOM SHIELD

RATING FACTORS


4 Points 4 Points


15 1.6800 1.8060 2.7750 1.6800 1.8800 2.0790 1.8800 58 2.6500 2.4255 2.7750 2.6500 2.3550 2.0790 2.3550

16 1.6800 1.8060 2.7750 1.6800 1.8800 2.0790 1.8800 59 2.6500 2.4255 2.7750 2.6500 2.3560 2.0790 2.3560

17 1.7230 1.8144 2.7750 1.7230 1.9000 2.0790 1.9000 60 2.6500 2.4255 2.7750 2.6500 2.3580 2.0790 2.3580

18 1.7650 1.8218 2.7750 1.7650 1.9200 2.0790 1.9200 61 2.6500 2.4255 2.7750 2.6500 2.3590 2.0790 2.3590

19 1.8080 1.8302 2.7750 1.8080 1.9400 2.0790 1.9400 62 2.6500 2.4255 2.7750 2.6500 2.3610 2.0790 2.3610

20 1.8500 1.8375 2.7750 1.8500 1.9600 2.0790 1.9600 63 2.6500 2.4255 2.7750 2.6500 2.3620 2.0790 2.3620

21 1.9080 1.8753 2.7750 1.9080 1.9900 2.0790 1.9900 64 2.6500 2.4255 2.7750 2.6500 2.3640 2.0790 2.3640

22 1.9660 1.9131 2.7750 1.9660 2.0200 2.0790 2.0200 65 2.6500 2.4255 2.7750 2.6500 2.3650 2.0790 2.3650

23 2.0240 1.9509 2.7750 2.0240 2.0500 2.0790 2.0500 66 2.6500 2.4255 2.7750 2.6500 2.3670 2.0790 2.3670

24 2.0820 1.9887 2.7750 2.0820 2.0800 2.0790 2.0800 67 2.6500 2.4255 2.7750 2.6500 2.3680 2.0790 2.3680

25 2.1400 2.0265 2.7750 2.1400 2.1100 2.0790 2.1100 68 2.6500 2.4255 2.7750 2.6500 2.3700 2.0790 2.3700

26 2.1650 2.0412 2.7750 2.1650 2.1170 2.0790 2.1170 69 2.6500 2.4255 2.7750 2.6500 2.3710 2.0790 2.3710

27 2.1900 2.0559 2.7750 2.1900 2.1230 2.0790 2.1230 70 2.6500 2.4255 2.7750 2.6500 2.3730 2.0790 2.3730

28 2.2150 2.0706 2.7750 2.2150 2.1300 2.0790 2.1300 71 2.6500 2.4255 2.7750 2.6500 2.3740 2.0790 2.3740

29 2.2400 2.0853 2.7750 2.2400 2.1360 2.0790 2.1360 72 2.6500 2.4255 2.7750 2.6500 2.3760 2.0790 2.3760

30 2.2650 2.1000 2.7750 2.2650 2.1430 2.0790 2.1430 73 2.6500 2.4255 2.7750 2.6500 2.3770 2.0790 2.3770

31 2.2900 2.1147 2.7750 2.2900 2.1490 2.0790 2.1490 74 2.6500 2.4255 2.7750 2.6500 2.3790 2.0790 2.3790

32 2.3150 2.1294 2.7750 2.3150 2.1560 2.0790 2.1560 75 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

33 2.3400 2.1441 2.7750 2.3400 2.1620 2.0790 2.1620 76 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

34 2.3650 2.1588 2.7750 2.3650 2.1690 2.0790 2.1690 77 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

35 2.3900 2.1735 2.7750 2.3900 2.1750 2.0790 2.1750 78 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

36 2.4030 2.1861 2.7750 2.4030 2.1840 2.0790 2.1840 79 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

37 2.4160 2.1987 2.7750 2.4160 2.1930 2.0790 2.1930 80 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

38 2.4290 2.2113 2.7750 2.4290 2.2010 2.0790 2.2010 81 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

39 2.4420 2.2239 2.7750 2.4420 2.2100 2.0790 2.2100 82 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

40 2.4550 2.2365 2.7750 2.4550 2.2190 2.0790 2.2190 83 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

41 2.4680 2.2491 2.7750 2.4680 2.2280 2.0790 2.2280 84 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

42 2.4810 2.2617 2.7750 2.4810 2.2360 2.0790 2.2360 85 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

43 2.4940 2.2743 2.7750 2.4940 2.2450 2.0790 2.2450 86 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

44 2.5070 2.2869 2.7750 2.5070 2.2540 2.0790 2.2540 87 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

45 2.5200 2.2995 2.7750 2.5200 2.2630 2.0790 2.2630 88 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

46 2.5330 2.3121 2.7750 2.5330 2.2710 2.0790 2.2710 89 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

47 2.5460 2.3247 2.7750 2.5460 2.2800 2.0790 2.2800 90 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

48 2.5590 2.3373 2.7750 2.5590 2.2890 2.0790 2.2890 91 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

49 2.5720 2.3499 2.7750 2.5720 2.2980 2.0790 2.2980 92 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

50 2.5850 2.3625 2.7750 2.5850 2.3060 2.0790 2.3060 93 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

51 2.5980 2.3751 2.7750 2.5980 2.3150 2.0790 2.3150 94 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

52 2.6110 2.3877 2.7750 2.6110 2.3240 2.0790 2.3240 95 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

53 2.6240 2.4003 2.7750 2.6240 2.3330 2.0790 2.3330 96 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

54 2.6370 2.4129 2.7750 2.6370 2.3410 2.0790 2.3410 97 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

55 2.6500 2.4255 2.7750 2.6500 2.3500 2.0790 2.3500 98 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

56 2.6500 2.4255 2.7750 2.6500 2.3520 2.0790 2.3520 99 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.3800

57 2.6500 2.4255 2.7750 2.6500 2.3530 2.0790 2.3530




CUSTOM SHIELD

RATING FACTORS


5 Points 5 Points


15 1.8800 2.0160 3.1750 1.8800 2.1400 2.4790 2.1400 58 3.0500 2.7615 3.1750 3.0500 2.6780 2.4790 2.6780

16 1.8800 2.0160 3.1750 1.8800 2.1400 2.4790 2.1400 59 3.0500 2.7615 3.1750 3.0500 2.6800 2.4790 2.6800

17 1.9330 2.0244 3.1750 1.9330 2.1650 2.4790 2.1650 60 3.0500 2.7615 3.1750 3.0500 2.6830 2.4790 2.6830

18 1.9850 2.0318 3.1750 1.9850 2.1900 2.4790 2.1900 61 3.0500 2.7615 3.1750 3.0500 2.6850 2.4790 2.6850

19 2.0380 2.0402 3.1750 2.0380 2.2150 2.4790 2.2150 62 3.0500 2.7615 3.1750 3.0500 2.6880 2.4790 2.6880

20 2.0900 2.0475 3.1750 2.0900 2.2400 2.4790 2.2400 63 3.0500 2.7615 3.1750 3.0500 2.6900 2.4790 2.6900

21 2.1560 2.0937 3.1750 2.1560 2.2700 2.4790 2.2700 64 3.0500 2.7615 3.1750 3.0500 2.6930 2.4790 2.6930

22 2.2220 2.1399 3.1750 2.2220 2.3000 2.4790 2.3000 65 3.0500 2.7615 3.1750 3.0500 2.6950 2.4790 2.6950

23 2.2880 2.1861 3.1750 2.2880 2.3300 2.4790 2.3300 66 3.0500 2.7615 3.1750 3.0500 2.6980 2.4790 2.6980

24 2.3540 2.2323 3.1750 2.3540 2.3600 2.4790 2.3600 67 3.0500 2.7615 3.1750 3.0500 2.7000 2.4790 2.7000

25 2.4200 2.2785 3.1750 2.4200 2.3900 2.4790 2.3900 68 3.0500 2.7615 3.1750 3.0500 2.7030 2.4790 2.7030

26 2.4530 2.2974 3.1750 2.4530 2.3990 2.4790 2.3990 69 3.0500 2.7615 3.1750 3.0500 2.7050 2.4790 2.7050

27 2.4860 2.3163 3.1750 2.4860 2.4070 2.4790 2.4070 70 3.0500 2.7615 3.1750 3.0500 2.7080 2.4790 2.7080

28 2.5190 2.3352 3.1750 2.5190 2.4160 2.4790 2.4160 71 3.0500 2.7615 3.1750 3.0500 2.7100 2.4790 2.7100

29 2.5520 2.3541 3.1750 2.5520 2.4240 2.4790 2.4240 72 3.0500 2.7615 3.1750 3.0500 2.7130 2.4790 2.7130

30 2.5850 2.3730 3.1750 2.5850 2.4330 2.4790 2.4330 73 3.0500 2.7615 3.1750 3.0500 2.7150 2.4790 2.7150

31 2.6180 2.3919 3.1750 2.6180 2.4410 2.4790 2.4410 74 3.0500 2.7615 3.1750 3.0500 2.7180 2.4790 2.7180

32 2.6510 2.4108 3.1750 2.6510 2.4500 2.4790 2.4500 75 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

33 2.6840 2.4297 3.1750 2.6840 2.4580 2.4790 2.4580 76 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

34 2.7170 2.4486 3.1750 2.7170 2.4670 2.4790 2.4670 77 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

35 2.7500 2.4675 3.1750 2.7500 2.4750 2.4790 2.4750 78 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

36 2.7650 2.4822 3.1750 2.7650 2.4850 2.4790 2.4850 79 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

37 2.7800 2.4969 3.1750 2.7800 2.4950 2.4790 2.4950 80 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

38 2.7950 2.5116 3.1750 2.7950 2.5040 2.4790 2.5040 81 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

39 2.8100 2.5263 3.1750 2.8100 2.5140 2.4790 2.5140 82 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

40 2.8250 2.5410 3.1750 2.8250 2.5240 2.4790 2.5240 83 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

41 2.8400 2.5557 3.1750 2.8400 2.5340 2.4790 2.5340 84 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

42 2.8550 2.5704 3.1750 2.8550 2.5430 2.4790 2.5430 85 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

43 2.8700 2.5851 3.1750 2.8700 2.5530 2.4790 2.5530 86 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

44 2.8850 2.5998 3.1750 2.8850 2.5630 2.4790 2.5630 87 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

45 2.9000 2.6145 3.1750 2.9000 2.5730 2.4790 2.5730 88 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

46 2.9150 2.6292 3.1750 2.9150 2.5820 2.4790 2.5820 89 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

47 2.9300 2.6439 3.1750 2.9300 2.5920 2.4790 2.5920 90 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

48 2.9450 2.6586 3.1750 2.9450 2.6020 2.4790 2.6020 91 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

49 2.9600 2.6733 3.1750 2.9600 2.6120 2.4790 2.6120 92 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

50 2.9750 2.6880 3.1750 2.9750 2.6210 2.4790 2.6210 93 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

51 2.9900 2.7027 3.1750 2.9900 2.6310 2.4790 2.6310 94 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

52 3.0050 2.7174 3.1750 3.0050 2.6410 2.4790 2.6410 95 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

53 3.0200 2.7321 3.1750 3.0200 2.6510 2.4790 2.6510 96 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

54 3.0350 2.7468 3.1750 3.0350 2.6600 2.4790 2.6600 97 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

55 3.0500 2.7615 3.1750 3.0500 2.6700 2.4790 2.6700 98 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

56 3.0500 2.7615 3.1750 3.0500 2.6730 2.4790 2.6730 99 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.7200

57 3.0500 2.7615 3.1750 3.0500 2.6750 2.4790 2.6750




CUSTOM SHIELD

RATING FACTORS


6 Points 6 Points


15 2.0800 2.2260 3.5750 2.0800 2.4000 2.6270 2.4000 58 3.4500 3.0975 3.5750 3.4500 3.0010 2.6270 3.0010

16 2.0800 2.2260 3.5750 2.0800 2.4000 2.6270 2.4000 59 3.4500 3.0975 3.5750 3.4500 3.0040 2.6270 3.0040

17 2.1430 2.2344 3.5750 2.1430 2.4300 2.6270 2.4300 60 3.4500 3.0975 3.5750 3.4500 3.0080 2.6270 3.0080

18 2.2050 2.2418 3.5750 2.2050 2.4600 2.6270 2.4600 61 3.4500 3.0975 3.5750 3.4500 3.0110 2.6270 3.0110

19 2.2680 2.2502 3.5750 2.2680 2.4900 2.6270 2.4900 62 3.4500 3.0975 3.5750 3.4500 3.0150 2.6270 3.0150

20 2.3300 2.2575 3.5750 2.3300 2.5200 2.6270 2.5200 63 3.4500 3.0975 3.5750 3.4500 3.0180 2.6270 3.0180

21 2.4040 2.3121 3.5750 2.4040 2.5500 2.6270 2.5500 64 3.4500 3.0975 3.5750 3.4500 3.0220 2.6270 3.0220

22 2.4780 2.3667 3.5750 2.4780 2.5800 2.6270 2.5800 65 3.4500 3.0975 3.5750 3.4500 3.0250 2.6270 3.0250

23 2.5520 2.4213 3.5750 2.5520 2.6100 2.6270 2.6100 66 3.4500 3.0975 3.5750 3.4500 3.0290 2.6270 3.0290

24 2.6260 2.4759 3.5750 2.6260 2.6400 2.6270 2.6400 67 3.4500 3.0975 3.5750 3.4500 3.0320 2.6270 3.0320

25 2.7000 2.5305 3.5750 2.7000 2.6700 2.6270 2.6700 68 3.4500 3.0975 3.5750 3.4500 3.0360 2.6270 3.0360

26 2.7410 2.5536 3.5750 2.7410 2.6810 2.6270 2.6810 69 3.4500 3.0975 3.5750 3.4500 3.0390 2.6270 3.0390

27 2.7820 2.5767 3.5750 2.7820 2.6910 2.6270 2.6910 70 3.4500 3.0975 3.5750 3.4500 3.0430 2.6270 3.0430

28 2.8230 2.5998 3.5750 2.8230 2.7020 2.6270 2.7020 71 3.4500 3.0975 3.5750 3.4500 3.0460 2.6270 3.0460

29 2.8640 2.6229 3.5750 2.8640 2.7120 2.6270 2.7120 72 3.4500 3.0975 3.5750 3.4500 3.0500 2.6270 3.0500

30 2.9050 2.6460 3.5750 2.9050 2.7230 2.6270 2.7230 73 3.4500 3.0975 3.5750 3.4500 3.0530 2.6270 3.0530

31 2.9460 2.6691 3.5750 2.9460 2.7330 2.6270 2.7330 74 3.4500 3.0975 3.5750 3.4500 3.0570 2.6270 3.0570

32 2.9870 2.6922 3.5750 2.9870 2.7440 2.6270 2.7440 75 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

33 3.0280 2.7153 3.5750 3.0280 2.7540 2.6270 2.7540 76 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

34 3.0690 2.7384 3.5750 3.0690 2.7650 2.6270 2.7650 77 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

35 3.1100 2.7615 3.5750 3.1100 2.7750 2.6270 2.7750 78 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

36 3.1270 2.7783 3.5750 3.1270 2.7860 2.6270 2.7860 79 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

37 3.1440 2.7951 3.5750 3.1440 2.7970 2.6270 2.7970 80 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

38 3.1610 2.8119 3.5750 3.1610 2.8070 2.6270 2.8070 81 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

39 3.1780 2.8287 3.5750 3.1780 2.8180 2.6270 2.8180 82 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

40 3.1950 2.8455 3.5750 3.1950 2.8290 2.6270 2.8290 83 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

41 3.2120 2.8623 3.5750 3.2120 2.8400 2.6270 2.8400 84 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

42 3.2290 2.8791 3.5750 3.2290 2.8500 2.6270 2.8500 85 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

43 3.2460 2.8959 3.5750 3.2460 2.8610 2.6270 2.8610 86 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

44 3.2630 2.9127 3.5750 3.2630 2.8720 2.6270 2.8720 87 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

45 3.2800 2.9295 3.5750 3.2800 2.8830 2.6270 2.8830 88 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

46 3.2970 2.9463 3.5750 3.2970 2.8930 2.6270 2.8930 89 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

47 3.3140 2.9631 3.5750 3.3140 2.9040 2.6270 2.9040 90 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

48 3.3310 2.9799 3.5750 3.3310 2.9150 2.6270 2.9150 91 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

49 3.3480 2.9967 3.5750 3.3480 2.9260 2.6270 2.9260 92 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

50 3.3650 3.0135 3.5750 3.3650 2.9360 2.6270 2.9360 93 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

51 3.3820 3.0303 3.5750 3.3820 2.9470 2.6270 2.9470 94 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

52 3.3990 3.0471 3.5750 3.3990 2.9580 2.6270 2.9580 95 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

53 3.4160 3.0639 3.5750 3.4160 2.9690 2.6270 2.9690 96 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

54 3.4330 3.0807 3.5750 3.4330 2.9790 2.6270 2.9790 97 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

55 3.4500 3.0975 3.5750 3.4500 2.9900 2.6270 2.9900 98 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

56 3.4500 3.0975 3.5750 3.4500 2.9940 2.6270 2.9940 99 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.0600

57 3.4500 3.0975 3.5750 3.4500 2.9970 2.6270 2.9970




CUSTOM SHIELD

RATING FACTORS


7 Points 7 Points


15 2.2800 2.4360 3.9750 2.2800 2.6600 2.7750 2.6600 58 3.8500 3.4335 3.9750 3.8500 3.3240 2.7750 3.3240

16 2.2800 2.4360 3.9750 2.2800 2.6600 2.7750 2.6600 59 3.8500 3.4335 3.9750 3.8500 3.3280 2.7750 3.3280

17 2.3530 2.4444 3.9750 2.3530 2.6950 2.7750 2.6950 60 3.8500 3.4335 3.9750 3.8500 3.3330 2.7750 3.3330

18 2.4250 2.4518 3.9750 2.4250 2.7300 2.7750 2.7300 61 3.8500 3.4335 3.9750 3.8500 3.3370 2.7750 3.3370

19 2.4980 2.4602 3.9750 2.4980 2.7650 2.7750 2.7650 62 3.8500 3.4335 3.9750 3.8500 3.3420 2.7750 3.3420

20 2.5700 2.4675 3.9750 2.5700 2.8000 2.7750 2.8000 63 3.8500 3.4335 3.9750 3.8500 3.3460 2.7750 3.3460

21 2.6520 2.5305 3.9750 2.6520 2.8300 2.7750 2.8300 64 3.8500 3.4335 3.9750 3.8500 3.3510 2.7750 3.3510

22 2.7340 2.5935 3.9750 2.7340 2.8600 2.7750 2.8600 65 3.8500 3.4335 3.9750 3.8500 3.3550 2.7750 3.3550

23 2.8160 2.6565 3.9750 2.8160 2.8900 2.7750 2.8900 66 3.8500 3.4335 3.9750 3.8500 3.3600 2.7750 3.3600

24 2.8980 2.7195 3.9750 2.8980 2.9200 2.7750 2.9200 67 3.8500 3.4335 3.9750 3.8500 3.3640 2.7750 3.3640

25 2.9800 2.7825 3.9750 2.9800 2.9500 2.7750 2.9500 68 3.8500 3.4335 3.9750 3.8500 3.3690 2.7750 3.3690

26 3.0290 2.8098 3.9750 3.0290 2.9630 2.7750 2.9630 69 3.8500 3.4335 3.9750 3.8500 3.3730 2.7750 3.3730

27 3.0780 2.8371 3.9750 3.0780 2.9750 2.7750 2.9750 70 3.8500 3.4335 3.9750 3.8500 3.3780 2.7750 3.3780

28 3.1270 2.8644 3.9750 3.1270 2.9880 2.7750 2.9880 71 3.8500 3.4335 3.9750 3.8500 3.3820 2.7750 3.3820

29 3.1760 2.8917 3.9750 3.1760 3.0000 2.7750 3.0000 72 3.8500 3.4335 3.9750 3.8500 3.3870 2.7750 3.3870

30 3.2250 2.9190 3.9750 3.2250 3.0130 2.7750 3.0130 73 3.8500 3.4335 3.9750 3.8500 3.3910 2.7750 3.3910

31 3.2740 2.9463 3.9750 3.2740 3.0250 2.7750 3.0250 74 3.8500 3.4335 3.9750 3.8500 3.3960 2.7750 3.3960

32 3.3230 2.9736 3.9750 3.3230 3.0380 2.7750 3.0380 75 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

33 3.3720 3.0009 3.9750 3.3720 3.0500 2.7750 3.0500 76 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

34 3.4210 3.0282 3.9750 3.4210 3.0630 2.7750 3.0630 77 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

35 3.4700 3.0555 3.9750 3.4700 3.0750 2.7750 3.0750 78 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

36 3.4890 3.0744 3.9750 3.4890 3.0870 2.7750 3.0870 79 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

37 3.5080 3.0933 3.9750 3.5080 3.0990 2.7750 3.0990 80 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

38 3.5270 3.1122 3.9750 3.5270 3.1100 2.7750 3.1100 81 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

39 3.5460 3.1311 3.9750 3.5460 3.1220 2.7750 3.1220 82 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

40 3.5650 3.1500 3.9750 3.5650 3.1340 2.7750 3.1340 83 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

41 3.5840 3.1689 3.9750 3.5840 3.1460 2.7750 3.1460 84 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

42 3.6030 3.1878 3.9750 3.6030 3.1570 2.7750 3.1570 85 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

43 3.6220 3.2067 3.9750 3.6220 3.1690 2.7750 3.1690 86 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

44 3.6410 3.2256 3.9750 3.6410 3.1810 2.7750 3.1810 87 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

45 3.6600 3.2445 3.9750 3.6600 3.1930 2.7750 3.1930 88 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

46 3.6790 3.2634 3.9750 3.6790 3.2040 2.7750 3.2040 89 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

47 3.6980 3.2823 3.9750 3.6980 3.2160 2.7750 3.2160 90 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

48 3.7170 3.3012 3.9750 3.7170 3.2280 2.7750 3.2280 91 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

49 3.7360 3.3201 3.9750 3.7360 3.2400 2.7750 3.2400 92 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

50 3.7550 3.3390 3.9750 3.7550 3.2510 2.7750 3.2510 93 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

51 3.7740 3.3579 3.9750 3.7740 3.2630 2.7750 3.2630 94 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

52 3.7930 3.3768 3.9750 3.7930 3.2750 2.7750 3.2750 95 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

53 3.8120 3.3957 3.9750 3.8120 3.2870 2.7750 3.2870 96 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

54 3.8310 3.4146 3.9750 3.8310 3.2980 2.7750 3.2980 97 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

55 3.8500 3.4335 3.9750 3.8500 3.3100 2.7750 3.3100 98 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

56 3.8500 3.4335 3.9750 3.8500 3.3150 2.7750 3.3150 99 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.4000

57 3.8500 3.4335 3.9750 3.8500 3.3190 2.7750 3.3190




CUSTOM SHIELD

RATING FACTORS


8 Points 8 Points


15 2.4992 2.6658 4.4198 2.4992 2.9482 2.9313 2.9482 58 4.2964 3.8059 4.4198 4.2964 3.6818 2.9313 3.6818

16 2.4992 2.6658 4.4198 2.4992 2.9482 2.9313 2.9482 59 4.2964 3.8059 4.4198 4.2964 3.6869 2.9313 3.6869

17 2.5836 2.6741 4.4198 2.5836 2.9889 2.9313 2.9889 60 4.2964 3.8059 4.4198 4.2964 3.6931 2.9313 3.6931

18 2.6670 2.6815 4.4198 2.6670 3.0296 2.9313 3.0296 61 4.2964 3.8059 4.4198 4.2964 3.6983 2.9313 3.6983

19 2.7513 2.6898 4.4198 2.7513 3.0704 2.9313 3.0704 62 4.2964 3.8059 4.4198 4.2964 3.7045 2.9313 3.7045

20 2.8347 2.6970 4.4198 2.8347 3.1111 2.9313 3.1111 63 4.2964 3.8059 4.4198 4.2964 3.7096 2.9313 3.7096

21 2.9256 2.7695 4.4198 2.9256 3.1407 2.9313 3.1407 64 4.2964 3.8059 4.4198 4.2964 3.7158 2.9313 3.7158

22 3.0164 2.8420 4.4198 3.0164 3.1704 2.9313 3.1704 65 4.2964 3.8059 4.4198 4.2964 3.7210 2.9313 3.7210

23 3.1073 2.9145 4.4198 3.1073 3.2000 2.9313 3.2000 66 4.2964 3.8059 4.4198 4.2964 3.7272 2.9313 3.7272

24 3.1982 2.9871 4.4198 3.1982 3.2297 2.9313 3.2297 67 4.2964 3.8059 4.4198 4.2964 3.7324 2.9313 3.7324

25 3.2890 3.0596 4.4198 3.2890 3.2594 2.9313 3.2594 68 4.2964 3.8059 4.4198 4.2964 3.7385 2.9313 3.7385

26 3.3473 3.0917 4.4198 3.3473 3.2747 2.9313 3.2747 69 4.2964 3.8059 4.4198 4.2964 3.7437 2.9313 3.7437

27 3.4055 3.1238 4.4198 3.4055 3.2890 2.9313 3.2890 70 4.2964 3.8059 4.4198 4.2964 3.7499 2.9313 3.7499

28 3.4637 3.1559 4.4198 3.4637 3.3043 2.9313 3.3043 71 4.2964 3.8059 4.4198 4.2964 3.7551 2.9313 3.7551

29 3.5220 3.1880 4.4198 3.5220 3.3186 2.9313 3.3186 72 4.2964 3.8059 4.4198 4.2964 3.7612 2.9313 3.7612

30 3.5802 3.2202 4.4198 3.5802 3.3339 2.9313 3.3339 73 4.2964 3.8059 4.4198 4.2964 3.7664 2.9313 3.7664

31 3.6385 3.2523 4.4198 3.6385 3.3482 2.9313 3.3482 74 4.2964 3.8059 4.4198 4.2964 3.7726 2.9313 3.7726

32 3.6968 3.2844 4.4198 3.6968 3.3635 2.9313 3.3635 75 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

33 3.7551 3.3165 4.4198 3.7551 3.3778 2.9313 3.3778 76 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

34 3.8134 3.3487 4.4198 3.8134 3.3931 2.9313 3.3931 77 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

35 3.8717 3.3808 4.4198 3.8717 3.4074 2.9313 3.4074 78 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

36 3.8929 3.4021 4.4198 3.8929 3.4205 2.9313 3.4205 79 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

37 3.9141 3.4233 4.4198 3.9141 3.4336 2.9313 3.4336 80 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

38 3.9354 3.4446 4.4198 3.9354 3.4457 2.9313 3.4457 81 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

39 3.9566 3.4658 4.4198 3.9566 3.4588 2.9313 3.4588 82 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

40 3.9778 3.4871 4.4198 3.9778 3.4719 2.9313 3.4719 83 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

41 3.9991 3.5083 4.4198 3.9991 3.4850 2.9313 3.4850 84 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

42 4.0203 3.5296 4.4198 4.0203 3.4971 2.9313 3.4971 85 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

43 4.0416 3.5509 4.4198 4.0416 3.5102 2.9313 3.5102 86 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

44 4.0628 3.5721 4.4198 4.0628 3.5232 2.9313 3.5232 87 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

45 4.0840 3.5934 4.4198 4.0840 3.5363 2.9313 3.5363 88 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

46 4.1053 3.6146 4.4198 4.1053 3.5484 2.9313 3.5484 89 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

47 4.1265 3.6359 4.4198 4.1265 3.5615 2.9313 3.5615 90 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

48 4.1477 3.6571 4.4198 4.1477 3.5746 2.9313 3.5746 91 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

49 4.1690 3.6784 4.4198 4.1690 3.5877 2.9313 3.5877 92 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

50 4.1902 3.6997 4.4198 4.1902 3.5998 2.9313 3.5998 93 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

51 4.2114 3.7209 4.4198 4.2114 3.6129 2.9313 3.6129 94 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

52 4.2327 3.7422 4.4198 4.2327 3.6260 2.9313 3.6260 95 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

53 4.2539 3.7634 4.4198 4.2539 3.6391 2.9313 3.6391 96 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

54 4.2751 3.7847 4.4198 4.2751 3.6512 2.9313 3.6512 97 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

55 4.2964 3.8059 4.4198 4.2964 3.6642 2.9313 3.6642 98 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

56 4.2964 3.8059 4.4198 4.2964 3.6704 2.9313 3.6704 99 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.7778

57 4.2964 3.8059 4.4198 4.2964 3.6756 2.9313 3.6756




CUSTOM SHIELD

RATING FACTORS


9 Points 9 Points


15 2.7395 2.9173 4.9144 2.7395 3.2676 3.0964 3.2676 58 4.7946 4.2187 4.9144 4.7946 4.0781 3.0964 4.0781

16 2.7395 2.9173 4.9144 2.7395 3.2676 3.0964 3.2676 59 4.7946 4.2187 4.9144 4.7946 4.0845 3.0964 4.0845

17 2.8368 2.9254 4.9144 2.8368 3.3149 3.0964 3.3149 60 4.7946 4.2187 4.9144 4.7946 4.0921 3.0964 4.0921

18 2.9332 2.9327 4.9144 2.9332 3.3621 3.0964 3.3621 61 4.7946 4.2187 4.9144 4.7946 4.0987 3.0964 4.0987

19 3.0303 2.9408 4.9144 3.0303 3.4095 3.0964 3.4095 62 4.7946 4.2187 4.9144 4.7946 4.1063 3.0964 4.1063

20 3.1267 2.9478 4.9144 3.1267 3.4568 3.0964 3.4568 63 4.7946 4.2187 4.9144 4.7946 4.1127 3.0964 4.1127

21 3.2274 3.0311 4.9144 3.2274 3.4855 3.0964 3.4855 64 4.7946 4.2187 4.9144 4.7946 4.1203 3.0964 4.1203

22 3.3280 3.1143 4.9144 3.3280 3.5145 3.0964 3.5145 65 4.7946 4.2187 4.9144 4.7946 4.1269 3.0964 4.1269

23 3.4287 3.1976 4.9144 3.4287 3.5433 3.0964 3.5433 66 4.7946 4.2187 4.9144 4.7946 4.1345 3.0964 4.1345

24 3.5295 3.2810 4.9144 3.5295 3.5722 3.0964 3.5722 67 4.7946 4.2187 4.9144 4.7946 4.1411 3.0964 4.1411

25 3.6300 3.3643 4.9144 3.6300 3.6013 3.0964 3.6013 68 4.7946 4.2187 4.9144 4.7946 4.1485 3.0964 4.1485

26 3.6990 3.4019 4.9144 3.6990 3.6192 3.0964 3.6192 69 4.7946 4.2187 4.9144 4.7946 4.1551 3.0964 4.1551

27 3.7678 3.4395 4.9144 3.7678 3.6361 3.0964 3.6361 70 4.7946 4.2187 4.9144 4.7946 4.1627 3.0964 4.1627

28 3.8367 3.4771 4.9144 3.8367 3.6541 3.0964 3.6541 71 4.7946 4.2187 4.9144 4.7946 4.1694 3.0964 4.1694

29 3.9057 3.5147 4.9144 3.9057 3.6710 3.0964 3.6710 72 4.7946 4.2187 4.9144 4.7946 4.1767 3.0964 4.1767

30 3.9745 3.5525 4.9144 3.9745 3.6890 3.0964 3.6890 73 4.7946 4.2187 4.9144 4.7946 4.1834 3.0964 4.1834

31 4.0436 3.5901 4.9144 4.0436 3.7059 3.0964 3.7059 74 4.7946 4.2187 4.9144 4.7946 4.1910 3.0964 4.1910

32 4.1126 3.6277 4.9144 4.1126 3.7239 3.0964 3.7239 75 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

33 4.1817 3.6653 4.9144 4.1817 3.7408 3.0964 3.7408 76 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

34 4.2508 3.7031 4.9144 4.2508 3.7588 3.0964 3.7588 77 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

35 4.3199 3.7407 4.9144 4.3199 3.7757 3.0964 3.7757 78 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

36 4.3436 3.7647 4.9144 4.3436 3.7900 3.0964 3.7900 79 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

37 4.3672 3.7885 4.9144 4.3672 3.8043 3.0964 3.8043 80 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

38 4.3911 3.8125 4.9144 4.3911 3.8176 3.0964 3.8176 81 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

39 4.4147 3.8363 4.9144 4.4147 3.8319 3.0964 3.8319 82 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

40 4.4384 3.8603 4.9144 4.4384 3.8462 3.0964 3.8462 83 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

41 4.4623 3.8841 4.9144 4.4623 3.8605 3.0964 3.8605 84 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

42 4.4859 3.9080 4.9144 4.4859 3.8738 3.0964 3.8738 85 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

43 4.5098 3.9320 4.9144 4.5098 3.8881 3.0964 3.8881 86 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

44 4.5335 3.9558 4.9144 4.5335 3.9022 3.0964 3.9022 87 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

45 4.5571 3.9798 4.9144 4.5571 3.9165 3.0964 3.9165 88 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

46 4.5810 4.0036 4.9144 4.5810 3.9298 3.0964 3.9298 89 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

47 4.6047 4.0276 4.9144 4.6047 3.9441 3.0964 3.9441 90 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

48 4.6283 4.0514 4.9144 4.6283 3.9584 3.0964 3.9584 91 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

49 4.6522 4.0754 4.9144 4.6522 3.9727 3.0964 3.9727 92 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

50 4.6758 4.0994 4.9144 4.6758 3.9860 3.0964 3.9860 93 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

51 4.6995 4.1231 4.9144 4.6995 4.0003 3.0964 4.0003 94 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

52 4.7234 4.1471 4.9144 4.7234 4.0146 3.0964 4.0146 95 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

53 4.7470 4.1709 4.9144 4.7470 4.0289 3.0964 4.0289 96 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

54 4.7707 4.1949 4.9144 4.7707 4.0422 3.0964 4.0422 97 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

55 4.7946 4.2187 4.9144 4.7946 4.0563 3.0964 4.0563 98 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

56 4.7946 4.2187 4.9144 4.7946 4.0639 3.0964 4.0639 99 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.1976

57 4.7946 4.2187 4.9144 4.7946 4.0705 3.0964 4.0705




CUSTOM SHIELD

RATING FACTORS


10 Points 10 Points


15 3.0029 3.1925 5.4643 3.0029 3.6216 3.2708 3.6216 58 5.3506 4.6763 5.4643 5.3506 4.5171 3.2708 4.5171

16 3.0029 3.1925 5.4643 3.0029 3.6216 3.2708 3.6216 59 5.3506 4.6763 5.4643 5.3506 4.5250 3.2708 4.5250

17 3.1148 3.2003 5.4643 3.1148 3.6765 3.2708 3.6765 60 5.3506 4.6763 5.4643 5.3506 4.5342 3.2708 4.5342

18 3.2260 3.2074 5.4643 3.2260 3.7311 3.2708 3.7311 61 5.3506 4.6763 5.4643 5.3506 4.5424 3.2708 4.5424

19 3.3376 3.2152 5.4643 3.3376 3.7861 3.2708 3.7861 62 5.3506 4.6763 5.4643 5.3506 4.5517 3.2708 4.5517

20 3.4488 3.2219 5.4643 3.4488 3.8409 3.2708 3.8409 63 5.3506 4.6763 5.4643 5.3506 4.5596 3.2708 4.5596

21 3.5603 3.3174 5.4643 3.5603 3.8682 3.2708 3.8682 64 5.3506 4.6763 5.4643 5.3506 4.5688 3.2708 4.5688

22 3.6718 3.4127 5.4643 3.6718 3.8959 3.2708 3.8959 65 5.3506 4.6763 5.4643 5.3506 4.5771 3.2708 4.5771

23 3.7833 3.5082 5.4643 3.7833 3.9234 3.2708 3.9234 66 5.3506 4.6763 5.4643 5.3506 4.5863 3.2708 4.5863

24 3.8951 3.6038 5.4643 3.8951 3.9510 3.2708 3.9510 67 5.3506 4.6763 5.4643 5.3506 4.5946 3.2708 4.5946

25 4.0064 3.6993 5.4643 4.0064 3.9791 3.2708 3.9791 68 5.3506 4.6763 5.4643 5.3506 4.6035 3.2708 4.6035

26 4.0877 3.7432 5.4643 4.0877 3.9999 3.2708 3.9999 69 5.3506 4.6763 5.4643 5.3506 4.6117 3.2708 4.6117

27 4.1686 3.7871 5.4643 4.1686 4.0198 3.2708 4.0198 70 5.3506 4.6763 5.4643 5.3506 4.6209 3.2708 4.6209

28 4.2499 3.8310 5.4643 4.2499 4.0409 3.2708 4.0409 71 5.3506 4.6763 5.4643 5.3506 4.6294 3.2708 4.6294

29 4.3312 3.8749 5.4643 4.3312 4.0608 3.2708 4.0608 72 5.3506 4.6763 5.4643 5.3506 4.6381 3.2708 4.6381

30 4.4122 3.9191 5.4643 4.4122 4.0819 3.2708 4.0819 73 5.3506 4.6763 5.4643 5.3506 4.6466 3.2708 4.6466

31 4.4938 3.9630 5.4643 4.4938 4.1018 3.2708 4.1018 74 5.3506 4.6763 5.4643 5.3506 4.6558 3.2708 4.6558

32 4.5752 4.0069 5.4643 4.5752 4.1229 3.2708 4.1229 75 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

33 4.6568 4.0508 5.4643 4.6568 4.1428 3.2708 4.1428 76 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

34 4.7384 4.0950 5.4643 4.7384 4.1639 3.2708 4.1639 77 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

35 4.8200 4.1389 5.4643 4.8200 4.1838 3.2708 4.1838 78 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

36 4.8465 4.1659 5.4643 4.8465 4.1994 3.2708 4.1994 79 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

37 4.8728 4.1927 5.4643 4.8728 4.2150 3.2708 4.2150 80 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

38 4.8996 4.2197 5.4643 4.8996 4.2296 3.2708 4.2296 81 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

39 4.9258 4.2464 5.4643 4.9258 4.2452 3.2708 4.2452 82 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

40 4.9523 4.2734 5.4643 4.9523 4.2609 3.2708 4.2609 83 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

41 4.9792 4.3002 5.4643 4.9792 4.2765 3.2708 4.2765 84 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

42 5.0054 4.3270 5.4643 5.0054 4.2911 3.2708 4.2911 85 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

43 5.0322 4.3540 5.4643 5.0322 4.3067 3.2708 4.3067 86 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

44 5.0587 4.3807 5.4643 5.0587 4.3220 3.2708 4.3220 87 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

45 5.0850 4.4077 5.4643 5.0850 4.3376 3.2708 4.3376 88 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

46 5.1118 4.4345 5.4643 5.1118 4.3522 3.2708 4.3522 89 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

47 5.1383 4.4615 5.4643 5.1383 4.3678 3.2708 4.3678 90 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

48 5.1646 4.4882 5.4643 5.1646 4.3834 3.2708 4.3834 91 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

49 5.1914 4.5152 5.4643 5.1914 4.3990 3.2708 4.3990 92 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

50 5.2177 4.5423 5.4643 5.2177 4.4136 3.2708 4.4136 93 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

51 5.2442 4.5688 5.4643 5.2442 4.4292 3.2708 4.4292 94 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

52 5.2710 4.5958 5.4643 5.2710 4.4448 3.2708 4.4448 95 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

53 5.2973 4.6225 5.4643 5.2973 4.4605 3.2708 4.4605 96 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

54 5.3238 4.6496 5.4643 5.3238 4.4751 3.2708 4.4751 97 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

55 5.3506 4.6763 5.4643 5.3506 4.4904 3.2708 4.4904 98 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

56 5.3506 4.6763 5.4643 5.3506 4.4996 3.2708 4.4996 99 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.6640

57 5.3506 4.6763 5.4643 5.3506 4.5078 3.2708 4.5078




CUSTOM SHIELD

RATING FACTORS


11 Points 11 Points


15 3.2916 3.4937 6.0757 3.2916 4.0140 3.4550 4.0140 58 5.9711 5.1835 6.0757 5.9711 5.0034 3.4550 5.0034

16 3.2916 3.4937 6.0757 3.2916 4.0140 3.4550 4.0140 59 5.9711 5.1835 6.0757 5.9711 5.0130 3.4550 5.0130

17 3.4200 3.5010 6.0757 3.4200 4.0775 3.4550 4.0775 60 5.9711 5.1835 6.0757 5.9711 5.0241 3.4550 5.0241

18 3.5480 3.5078 6.0757 3.5480 4.1406 3.4550 4.1406 61 5.9711 5.1835 6.0757 5.9711 5.0341 3.4550 5.0341

19 3.6761 3.5152 6.0757 3.6761 4.2043 3.4550 4.2043 62 5.9711 5.1835 6.0757 5.9711 5.0454 3.4550 5.0454

20 3.8041 3.5215 6.0757 3.8041 4.2677 3.4550 4.2677 63 5.9711 5.1835 6.0757 5.9711 5.0551 3.4550 5.0551

21 3.9275 3.6307 6.0757 3.9275 4.2929 3.4550 4.2929 64 5.9711 5.1835 6.0757 5.9711 5.0661 3.4550 5.0661

22 4.0511 3.7397 6.0757 4.0511 4.3187 3.4550 4.3187 65 5.9711 5.1835 6.0757 5.9711 5.0764 3.4550 5.0764

23 4.1746 3.8490 6.0757 4.1746 4.3443 3.4550 4.3443 66 5.9711 5.1835 6.0757 5.9711 5.0875 3.4550 5.0875

24 4.2986 3.9584 6.0757 4.2986 4.3700 3.4550 4.3700 67 5.9711 5.1835 6.0757 5.9711 5.0978 3.4550 5.0978

25 4.4218 4.0677 6.0757 4.4218 4.3965 3.4550 4.3965 68 5.9711 5.1835 6.0757 5.9711 5.1084 3.4550 5.1084

26 4.5172 4.1187 6.0757 4.5172 4.4206 3.4550 4.4206 69 5.9711 5.1835 6.0757 5.9711 5.1185 3.4550 5.1185

27 4.6120 4.1698 6.0757 4.6120 4.4440 3.4550 4.4440 70 5.9711 5.1835 6.0757 5.9711 5.1295 3.4550 5.1295

28 4.7076 4.2209 6.0757 4.7076 4.4686 3.4550 4.4686 71 5.9711 5.1835 6.0757 5.9711 5.1402 3.4550 5.1402

29 4.8031 4.2720 6.0757 4.8031 4.4920 3.4550 4.4920 72 5.9711 5.1835 6.0757 5.9711 5.1505 3.4550 5.1505

30 4.8981 4.3235 6.0757 4.8981 4.5166 3.4550 4.5166 73 5.9711 5.1835 6.0757 5.9711 5.1611 3.4550 5.1611

31 4.9941 4.3746 6.0757 4.9941 4.5400 3.4550 4.5400 74 5.9711 5.1835 6.0757 5.9711 5.1721 3.4550 5.1721

32 5.0898 4.4257 6.0757 5.0898 4.5647 3.4550 4.5647 75 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

33 5.1859 4.4768 6.0757 5.1859 4.5880 3.4550 4.5880 76 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

34 5.2819 4.5284 6.0757 5.2819 4.6127 3.4550 4.6127 77 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

35 5.3780 4.5795 6.0757 5.3780 4.6360 3.4550 4.6360 78 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

36 5.4076 4.6099 6.0757 5.4076 4.6530 3.4550 4.6530 79 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

37 5.4369 4.6400 6.0757 5.4369 4.6700 3.4550 4.6700 80 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

38 5.4670 4.6704 6.0757 5.4670 4.6861 3.4550 4.6861 81 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

39 5.4961 4.7003 6.0757 5.4961 4.7031 3.4550 4.7031 82 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

40 5.5257 4.7307 6.0757 5.5257 4.7203 3.4550 4.7203 83 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

41 5.5560 4.7609 6.0757 5.5560 4.7373 3.4550 4.7373 84 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

42 5.5851 4.7909 6.0757 5.5851 4.7534 3.4550 4.7534 85 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

43 5.6151 4.8213 6.0757 5.6151 4.7704 3.4550 4.7704 86 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

44 5.6447 4.8512 6.0757 5.6447 4.7870 3.4550 4.7870 87 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

45 5.6741 4.8816 6.0757 5.6741 4.8040 3.4550 4.8040 88 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

46 5.7041 4.9118 6.0757 5.7041 4.8200 3.4550 4.8200 89 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

47 5.7337 4.9421 6.0757 5.7337 4.8370 3.4550 4.8370 90 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

48 5.7630 4.9721 6.0757 5.7630 4.8540 3.4550 4.8540 91 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

49 5.7931 5.0025 6.0757 5.7931 4.8710 3.4550 4.8710 92 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

50 5.8224 5.0331 6.0757 5.8224 4.8871 3.4550 4.8871 93 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

51 5.8520 5.0627 6.0757 5.8520 4.9041 3.4550 4.9041 94 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

52 5.8821 5.0930 6.0757 5.8821 4.9211 3.4550 4.9211 95 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

53 5.9114 5.1230 6.0757 5.9114 4.9383 3.4550 4.9383 96 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

54 5.9410 5.1536 6.0757 5.9410 4.9544 3.4550 4.9544 97 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

55 5.9711 5.1835 6.0757 5.9711 4.9710 3.4550 4.9710 98 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

56 5.9711 5.1835 6.0757 5.9711 4.9820 3.4550 4.9820 99 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.1822

57 5.9711 5.1835 6.0757 5.9711 4.9921 3.4550 4.9921




CUSTOM SHIELD

RATING FACTORS


12 Points 12 Points


15 3.6081 3.8233 6.7555 3.6081 4.4489 3.6496 4.4489 58 6.6636 5.7457 6.7555 6.6636 5.5421 3.6496 5.5421

16 3.6081 3.8233 6.7555 3.6081 4.4489 3.6496 4.4489 59 6.6636 5.7457 6.7555 6.6636 5.5536 3.6496 5.5536

17 3.7551 3.8300 6.7555 3.7551 4.5222 3.6496 4.5222 60 6.6636 5.7457 6.7555 6.6636 5.5669 3.6496 5.5669

18 3.9021 3.8363 6.7555 3.9021 4.5950 3.6496 4.5950 61 6.6636 5.7457 6.7555 6.6636 5.5790 3.6496 5.5790

19 4.0489 3.8432 6.7555 4.0489 4.6687 3.6496 4.6687 62 6.6636 5.7457 6.7555 6.6636 5.5926 3.6496 5.5926

20 4.1960 3.8490 6.7555 4.1960 4.7419 3.6496 4.7419 63 6.6636 5.7457 6.7555 6.6636 5.6044 3.6496 5.6044

21 4.3326 3.9736 6.7555 4.3326 4.7642 3.6496 4.7642 64 6.6636 5.7457 6.7555 6.6636 5.6175 3.6496 5.6175

22 4.4696 4.0980 6.7555 4.4696 4.7874 3.6496 4.7874 65 6.6636 5.7457 6.7555 6.6636 5.6302 3.6496 5.6302

23 4.6064 4.2229 6.7555 4.6064 4.8104 3.6496 4.8104 66 6.6636 5.7457 6.7555 6.6636 5.6435 3.6496 5.6435

24 4.7439 4.3479 6.7555 4.7439 4.8334 3.6496 4.8334 67 6.6636 5.7457 6.7555 6.6636 5.6561 3.6496 5.6561

25 4.8803 4.4728 6.7555 4.8803 4.8577 3.6496 4.8577 68 6.6636 5.7457 6.7555 6.6636 5.6687 3.6496 5.6687

26 4.9918 4.5319 6.7555 4.9918 4.8855 3.6496 4.8855 69 6.6636 5.7457 6.7555 6.6636 5.6810 3.6496 5.6810

27 5.1026 4.5912 6.7555 5.1026 4.9130 3.6496 4.9130 70 6.6636 5.7457 6.7555 6.6636 5.6941 3.6496 5.6941

28 5.2146 4.6505 6.7555 5.2146 4.9416 3.6496 4.9416 71 6.6636 5.7457 6.7555 6.6636 5.7074 3.6496 5.7074

29 5.3264 4.7098 6.7555 5.3264 4.9690 3.6496 4.9690 72 6.6636 5.7457 6.7555 6.6636 5.7195 3.6496 5.7195

30 5.4375 4.7696 6.7555 5.4375 4.9976 3.6496 4.9976 73 6.6636 5.7457 6.7555 6.6636 5.7326 3.6496 5.7326

31 5.5501 4.8289 6.7555 5.5501 5.0250 3.6496 5.0250 74 6.6636 5.7457 6.7555 6.6636 5.7457 3.6496 5.7457

32 5.6623 4.8883 6.7555 5.6623 5.0538 3.6496 5.0538 75 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

33 5.7751 4.9476 6.7555 5.7751 5.0810 3.6496 5.0810 76 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

34 5.8877 5.0077 6.7555 5.8877 5.1099 3.6496 5.1099 77 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

35 6.0006 5.0670 6.7555 6.0006 5.1371 3.6496 5.1371 78 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

36 6.0337 5.1012 6.7555 6.0337 5.1556 3.6496 5.1556 79 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

37 6.0663 5.1350 6.7555 6.0663 5.1741 3.6496 5.1741 80 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

38 6.1001 5.1692 6.7555 6.1001 5.1919 3.6496 5.1919 81 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

39 6.1324 5.2027 6.7555 6.1324 5.2104 3.6496 5.2104 82 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

40 6.1655 5.2369 6.7555 6.1655 5.2292 3.6496 5.2292 83 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

41 6.1996 5.2710 6.7555 6.1996 5.2478 3.6496 5.2478 84 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

42 6.2319 5.3045 6.7555 6.2319 5.2655 3.6496 5.2655 85 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

43 6.2655 5.3388 6.7555 6.2655 5.2840 3.6496 5.2840 86 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

44 6.2986 5.3722 6.7555 6.2986 5.3020 3.6496 5.3020 87 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

45 6.3314 5.4065 6.7555 6.3314 5.3205 3.6496 5.3205 88 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

46 6.3650 5.4405 6.7555 6.3650 5.3381 3.6496 5.3381 89 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

47 6.3981 5.4745 6.7555 6.3981 5.3566 3.6496 5.3566 90 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

48 6.4307 5.5082 6.7555 6.4307 5.3751 3.6496 5.3751 91 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

49 6.4645 5.5424 6.7555 6.4645 5.3936 3.6496 5.3936 92 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

50 6.4972 5.5769 6.7555 6.4972 5.4114 3.6496 5.4114 93 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

51 6.5302 5.6100 6.7555 6.5302 5.4299 3.6496 5.4299 94 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

52 6.5640 5.6440 6.7555 6.5640 5.4484 3.6496 5.4484 95 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

53 6.5967 5.6777 6.7555 6.5967 5.4673 3.6496 5.4673 96 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

54 6.6298 5.7122 6.7555 6.6298 5.4850 3.6496 5.4850 97 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

55 6.6636 5.7457 6.7555 6.6636 5.5030 3.6496 5.5030 98 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

56 6.6636 5.7457 6.7555 6.6636 5.5161 3.6496 5.5161 99 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.7580

57 6.6636 5.7457 6.7555 6.6636 5.5284 3.6496 5.5284




CUSTOM SHIELD

RATING FACTORS


13 Points 13 Points


15 3.9550 4.1840 7.5114 3.9550 4.9309 3.8552 4.9309 58 7.4364 6.3689 7.5114 7.4364 6.1388 3.8552 6.1388

16 3.9550 4.1840 7.5114 3.9550 4.9309 3.8552 4.9309 59 7.4364 6.3689 7.5114 7.4364 6.1525 3.8552 6.1525

17 4.1230 4.1899 7.5114 4.1230 5.0154 3.8552 5.0154 60 7.4364 6.3689 7.5114 7.4364 6.1683 3.8552 6.1683

18 4.2915 4.1956 7.5114 4.2915 5.0993 3.8552 5.0993 61 7.4364 6.3689 7.5114 7.4364 6.1829 3.8552 6.1829

19 4.4595 4.2018 7.5114 4.4595 5.1844 3.8552 5.1844 62 7.4364 6.3689 7.5114 7.4364 6.1991 3.8552 6.1991

20 4.6283 4.2070 7.5114 4.6283 5.2688 3.8552 5.2688 63 7.4364 6.3689 7.5114 7.4364 6.2134 3.8552 6.2134

21 4.7795 4.3489 7.5114 4.7795 5.2872 3.8552 5.2872 64 7.4364 6.3689 7.5114 7.4364 6.2289 3.8552 6.2289

22 4.9313 4.4906 7.5114 4.9313 5.3070 3.8552 5.3070 65 7.4364 6.3689 7.5114 7.4364 6.2444 3.8552 6.2444

23 5.0829 4.6331 7.5114 5.0829 5.3265 3.8552 5.3265 66 7.4364 6.3689 7.5114 7.4364 6.2603 3.8552 6.2603

24 5.2353 4.7757 7.5114 5.2353 5.3459 3.8552 5.3459 67 7.4364 6.3689 7.5114 7.4364 6.2755 3.8552 6.2755

25 5.3863 4.9182 7.5114 5.3863 5.3673 3.8552 5.3673 68 7.4364 6.3689 7.5114 7.4364 6.2905 3.8552 6.2905

26 5.5163 4.9866 7.5114 5.5163 5.3993 3.8552 5.3993 69 7.4364 6.3689 7.5114 7.4364 6.3053 3.8552 6.3053

27 5.6454 5.0552 7.5114 5.6454 5.4315 3.8552 5.4315 70 7.4364 6.3689 7.5114 7.4364 6.3208 3.8552 6.3208

28 5.7762 5.1238 7.5114 5.7762 5.4647 3.8552 5.4647 71 7.4364 6.3689 7.5114 7.4364 6.3372 3.8552 6.3372

29 5.9067 5.1925 7.5114 5.9067 5.4967 3.8552 5.4967 72 7.4364 6.3689 7.5114 7.4364 6.3514 3.8552 6.3514

30 6.0363 5.2617 7.5114 6.0363 5.5298 3.8552 5.5298 73 7.4364 6.3689 7.5114 7.4364 6.3674 3.8552 6.3674

31 6.1680 5.3304 7.5114 6.1680 5.5618 3.8552 5.5618 74 7.4364 6.3689 7.5114 7.4364 6.3829 3.8552 6.3829

32 6.2992 5.3993 7.5114 6.2992 5.5953 3.8552 5.5953 75 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

33 6.4312 5.4679 7.5114 6.4312 5.6270 3.8552 5.6270 76 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

34 6.5630 5.5377 7.5114 6.5630 5.6607 3.8552 5.6607 77 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

35 6.6953 5.6064 7.5114 6.6953 5.6924 3.8552 5.6924 78 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

36 6.7323 5.6449 7.5114 6.7323 5.7125 3.8552 5.7125 79 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

37 6.7686 5.6828 7.5114 6.7686 5.7326 3.8552 5.7326 80 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

38 6.8065 5.7213 7.5114 6.8065 5.7523 3.8552 5.7523 81 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

39 6.8424 5.7588 7.5114 6.8424 5.7724 3.8552 5.7724 82 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

40 6.8794 5.7973 7.5114 6.8794 5.7930 3.8552 5.7930 83 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

41 6.9178 5.8358 7.5114 6.9178 5.8133 3.8552 5.8133 84 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

42 6.9536 5.8732 7.5114 6.9536 5.8328 3.8552 5.8328 85 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

43 6.9912 5.9118 7.5114 6.9912 5.8529 3.8552 5.8529 86 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

44 7.0282 5.9492 7.5114 7.0282 5.8724 3.8552 5.8724 87 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

45 7.0648 5.9878 7.5114 7.0648 5.8925 3.8552 5.8925 88 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

46 7.1025 6.0261 7.5114 7.1025 5.9119 3.8552 5.9119 89 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

47 7.1395 6.0643 7.5114 7.1395 5.9320 3.8552 5.9320 90 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

48 7.1758 6.1021 7.5114 7.1758 5.9521 3.8552 5.9521 91 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

49 7.2137 6.1406 7.5114 7.2137 5.9723 3.8552 5.9723 92 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

50 7.2502 6.1795 7.5114 7.2502 5.9919 3.8552 5.9919 93 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

51 7.2870 6.2165 7.5114 7.2870 6.0121 3.8552 6.0121 94 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

52 7.3250 6.2546 7.5114 7.3250 6.0322 3.8552 6.0322 95 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

53 7.3614 6.2925 7.5114 7.3614 6.0530 3.8552 6.0530 96 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

54 7.3985 6.3313 7.5114 7.3985 6.0724 3.8552 6.0724 97 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

55 7.4364 6.3689 7.5114 7.4364 6.0919 3.8552 6.0919 98 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

56 7.4364 6.3689 7.5114 7.4364 6.1075 3.8552 6.1075 99 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.3978

57 7.4364 6.3689 7.5114 7.4364 6.1223 3.8552 6.1223




CUSTOM SHIELD

RATING FACTORS


14 Points 14 Points


15 4.3353 4.5787 8.3519 4.3353 5.4651 4.0724 5.4651 58 8.2988 7.0597 8.3519 8.2988 6.7997 4.0724 6.7997

16 4.3353 4.5787 8.3519 4.3353 5.4651 4.0724 5.4651 59 8.2988 7.0597 8.3519 8.2988 6.8160 4.0724 6.8160

17 4.5269 4.5836 8.3519 4.5269 5.5624 4.0724 5.5624 60 8.2988 7.0597 8.3519 8.2988 6.8347 4.0724 6.8347

18 4.7198 4.5886 8.3519 4.7198 5.6589 4.0724 5.6589 61 8.2988 7.0597 8.3519 8.2988 6.8522 4.0724 6.8522

19 4.9117 4.5939 8.3519 4.9117 5.7571 4.0724 5.7571 62 8.2988 7.0597 8.3519 8.2988 6.8714 4.0724 6.8714

20 5.1051 4.5983 8.3519 5.1051 5.8542 4.0724 5.8542 63 8.2988 7.0597 8.3519 8.2988 6.8886 4.0724 6.8886

21 5.2725 4.7596 8.3519 5.2725 5.8676 4.0724 5.8676 64 8.2988 7.0597 8.3519 8.2988 6.9068 4.0724 6.9068

22 5.4407 4.9208 8.3519 5.4407 5.8830 4.0724 5.8830 65 8.2988 7.0597 8.3519 8.2988 6.9256 4.0724 6.9256

23 5.6087 5.0831 8.3519 5.6087 5.8980 4.0724 5.8980 66 8.2988 7.0597 8.3519 8.2988 6.9445 4.0724 6.9445

24 5.7776 5.2456 8.3519 5.7776 5.9127 4.0724 5.9127 67 8.2988 7.0597 8.3519 8.2988 6.9627 4.0724 6.9627

25 5.9448 5.4080 8.3519 5.9448 5.9304 4.0724 5.9304 68 8.2988 7.0597 8.3519 8.2988 6.9805 4.0724 6.9805

26 6.0959 5.4869 8.3519 6.0959 5.9671 4.0724 5.9671 69 8.2988 7.0597 8.3519 8.2988 6.9982 4.0724 6.9982

27 6.2459 5.5661 8.3519 6.2459 6.0047 4.0724 6.0047 70 8.2988 7.0597 8.3519 8.2988 7.0165 4.0724 7.0165

28 6.3983 5.6453 8.3519 6.3983 6.0432 4.0724 6.0432 71 8.2988 7.0597 8.3519 8.2988 7.0365 4.0724 7.0365

29 6.5502 5.7247 8.3519 6.5502 6.0804 4.0724 6.0804 72 8.2988 7.0597 8.3519 8.2988 7.0531 4.0724 7.0531

30 6.7010 5.8046 8.3519 6.7010 6.1187 4.0724 6.1187 73 8.2988 7.0597 8.3519 8.2988 7.0725 4.0724 7.0725

31 6.8547 5.8840 8.3519 6.8547 6.1559 4.0724 6.1559 74 8.2988 7.0597 8.3519 8.2988 7.0908 4.0724 7.0908

32 7.0077 5.9637 8.3519 7.0077 6.1948 4.0724 6.1948 75 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

33 7.1618 6.0429 8.3519 7.1618 6.2317 4.0724 6.2317 76 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

34 7.3158 6.1238 8.3519 7.3158 6.2709 4.0724 6.2709 77 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

35 7.4704 6.2032 8.3519 7.4704 6.3077 4.0724 6.3077 78 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

36 7.5118 6.2465 8.3519 7.5118 6.3296 4.0724 6.3296 79 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

37 7.5522 6.2890 8.3519 7.5522 6.3514 4.0724 6.3514 80 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

38 7.5947 6.3324 8.3519 7.5947 6.3732 4.0724 6.3732 81 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

39 7.6346 6.3743 8.3519 7.6346 6.3950 4.0724 6.3950 82 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

40 7.6760 6.4177 8.3519 7.6760 6.4176 4.0724 6.4176 83 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

41 7.7192 6.4611 8.3519 7.7192 6.4397 4.0724 6.4397 84 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

42 7.7589 6.5029 8.3519 7.7589 6.4612 4.0724 6.4612 85 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

43 7.8010 6.5463 8.3519 7.8010 6.4831 4.0724 6.4831 86 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

44 7.8423 6.5882 8.3519 7.8423 6.5042 4.0724 6.5042 87 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

45 7.8832 6.6316 8.3519 7.8832 6.5260 4.0724 6.5260 88 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

46 7.9255 6.6747 8.3519 7.9255 6.5474 4.0724 6.5474 89 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

47 7.9668 6.7176 8.3519 7.9668 6.5692 4.0724 6.5692 90 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

48 8.0072 6.7600 8.3519 8.0072 6.5910 4.0724 6.5910 91 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

49 8.0497 6.8034 8.3519 8.0497 6.6131 4.0724 6.6131 92 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

50 8.0905 6.8472 8.3519 8.0905 6.6347 4.0724 6.6347 93 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

51 8.1315 6.8886 8.3519 8.1315 6.6567 4.0724 6.6567 94 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

52 8.1742 6.9313 8.3519 8.1742 6.6786 4.0724 6.6786 95 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

53 8.2147 6.9739 8.3519 8.2147 6.7014 4.0724 6.7014 96 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

54 8.2563 7.0175 8.3519 8.2563 6.7227 4.0724 6.7227 97 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

55 8.2988 7.0597 8.3519 8.2988 6.7438 4.0724 6.7438 98 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

56 8.2988 7.0597 8.3519 8.2988 6.7623 4.0724 6.7623 99 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.1087

57 8.2988 7.0597 8.3519 8.2988 6.7800 4.0724 6.7800




CUSTOM SHIELD

RATING FACTORS


15 Points 15 Points


15 4.7522 5.0106 9.2864 4.7522 6.0572 4.3018 6.0572 58 9.2612 7.8254 9.2864 9.2612 7.5318 4.3018 7.5318

16 4.7522 5.0106 9.2864 4.7522 6.0572 4.3018 6.0572 59 9.2612 7.8254 9.2864 9.2612 7.5511 4.3018 7.5511

17 4.9704 5.0143 9.2864 4.9704 6.1691 4.3018 6.1691 60 9.2612 7.8254 9.2864 9.2612 7.5731 4.3018 7.5731

18 5.1908 5.0184 9.2864 5.1908 6.2799 4.3018 6.2799 61 9.2612 7.8254 9.2864 9.2612 7.5940 4.3018 7.5940

19 5.4098 5.0226 9.2864 5.4098 6.3931 4.3018 6.3931 62 9.2612 7.8254 9.2864 9.2612 7.6166 4.3018 7.6166

20 5.6310 5.0260 9.2864 5.6310 6.5046 4.3018 6.5046 63 9.2612 7.8254 9.2864 9.2612 7.6372 4.3018 7.6372

21 5.8164 5.2091 9.2864 5.8164 6.5117 4.3018 6.5117 64 9.2612 7.8254 9.2864 9.2612 7.6585 4.3018 7.6585

22 6.0027 5.3922 9.2864 6.0027 6.5215 4.3018 6.5215 65 9.2612 7.8254 9.2864 9.2612 7.6811 4.3018 7.6811

23 6.1889 5.5768 9.2864 6.1889 6.5308 4.3018 6.5308 66 9.2612 7.8254 9.2864 9.2612 7.7035 4.3018 7.7035

24 6.3761 5.7617 9.2864 6.3761 6.5396 4.3018 6.5396 67 9.2612 7.8254 9.2864 9.2612 7.7252 4.3018 7.7252

25 6.5612 5.9466 9.2864 6.5612 6.5526 4.3018 6.5526 68 9.2612 7.8254 9.2864 9.2612 7.7462 4.3018 7.7462

26 6.7364 6.0374 9.2864 6.7364 6.5946 4.3018 6.5946 69 9.2612 7.8254 9.2864 9.2612 7.7672 4.3018 7.7672

27 6.9103 6.1286 9.2864 6.9103 6.6384 4.3018 6.6384 70 9.2612 7.8254 9.2864 9.2612 7.7888 4.3018 7.7888

28 7.0874 6.2199 9.2864 7.0874 6.6829 4.3018 6.6829 71 9.2612 7.8254 9.2864 9.2612 7.8130 4.3018 7.8130

29 7.2638 6.3114 9.2864 7.2638 6.7261 4.3018 6.7261 72 9.2612 7.8254 9.2864 9.2612 7.8323 4.3018 7.8323

30 7.4389 6.4035 9.2864 7.4389 6.7703 4.3018 6.7703 73 9.2612 7.8254 9.2864 9.2612 7.8557 4.3018 7.8557

31 7.6179 6.4951 9.2864 7.6179 6.8135 4.3018 6.8135 74 9.2612 7.8254 9.2864 9.2612 7.8772 4.3018 7.8772

32 7.7959 6.5871 9.2864 7.7959 6.8585 4.3018 6.8585 75 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

33 7.9754 6.6784 9.2864 7.9754 6.9014 4.3018 6.9014 76 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

34 8.1549 6.7719 9.2864 8.1549 6.9469 4.3018 6.9469 77 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

35 8.3352 6.8635 9.2864 8.3352 6.9895 4.3018 6.9895 78 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

36 8.3816 6.9122 9.2864 8.3816 7.0134 4.3018 7.0134 79 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

37 8.4265 6.9599 9.2864 8.4265 7.0370 4.3018 7.0370 80 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

38 8.4742 7.0088 9.2864 8.4742 7.0611 4.3018 7.0611 81 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

39 8.5185 7.0556 9.2864 8.5185 7.0848 4.3018 7.0848 82 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

40 8.5648 7.1045 9.2864 8.5648 7.1095 4.3018 7.1095 83 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

41 8.6134 7.1534 9.2864 8.6134 7.1336 4.3018 7.1336 84 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

42 8.6575 7.2001 9.2864 8.6575 7.1573 4.3018 7.1573 85 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

43 8.7046 7.2489 9.2864 8.7046 7.1812 4.3018 7.1812 86 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

44 8.7507 7.2958 9.2864 8.7507 7.2040 4.3018 7.2040 87 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

45 8.7964 7.3446 9.2864 8.7964 7.2276 4.3018 7.2276 88 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

46 8.8439 7.3931 9.2864 8.8439 7.2512 4.3018 7.2512 89 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

47 8.8900 7.4413 9.2864 8.8900 7.2748 4.3018 7.2748 90 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

48 8.9349 7.4888 9.2864 8.9349 7.2985 4.3018 7.2985 91 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

49 8.9826 7.5377 9.2864 8.9826 7.3227 4.3018 7.3227 92 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

50 9.0282 7.5870 9.2864 9.0282 7.3465 4.3018 7.3465 93 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

51 9.0739 7.6334 9.2864 9.0739 7.3704 4.3018 7.3704 94 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

52 9.1218 7.6812 9.2864 9.1218 7.3943 4.3018 7.3943 95 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

53 9.1669 7.7291 9.2864 9.1669 7.4193 4.3018 7.4193 96 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

54 9.2136 7.7781 9.2864 9.2136 7.4426 4.3018 7.4426 97 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

55 9.2612 7.8254 9.2864 9.2612 7.4655 4.3018 7.4655 98 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

56 9.2612 7.8254 9.2864 9.2612 7.4873 4.3018 7.4873 99 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.8986

57 9.2612 7.8254 9.2864 9.2612 7.5084 4.3018 7.5084




CUSTOM SHIELD

RATING FACTORS

VEHICLE RATING FACTORS

PPV LIABILITY SYMBOL RELATIVITIES

SYMBOL BI PD SYMBOL PIP

0 0.9800 0.9800 0 0.9000

215 0.7000 0.7000 415 0.7500

220 0.7000 0.7000 420 0.7500

225 0.7000 0.7000 425 0.7500

230 0.7000 0.7000 430 0.7500

235 0.7000 0.7000 435 0.8000

240 0.8000 0.8000 440 0.8000

245 0.8000 0.8000 445 0.8000

250 0.8000 0.8000 450 0.8000

255 0.8000 0.8000 455 0.8000

260 0.8000 0.8000 460 0.8000

265 0.8500 0.8500 465 0.8000

270 0.8500 0.8500 470 0.9000

275 0.8500 0.8500 475 0.9500

280 0.8500 0.8500 480 0.9745

285 0.9000 0.9000 485 1.0000

290 0.9500 0.9500 490 1.0262

295 1.0000 1.0000 495 1.0531

300 1.0000 1.0000 500 1.0807

305 1.0000 1.0000 505 1.1091

310 1.0800 1.0800 510 1.1382

315 1.1200 1.1200 515 1.1680

320 1.1500 1.1500 520 1.1986

325 1.1500 1.1500 525 1.2301

330 1.2000 1.2000 530 1.2623

335 1.2000 1.2000 535 1.2623

340 1.2000 1.2000 540 1.2623

345 1.2000 1.2000 545 1.2623

350 1.2500 1.2500 550 1.2623

355 1.2500 1.2500 555 1.2623

360 1.2500 1.2500 560 1.2623

365 1.2500 1.2500 565 1.3600

370 1.2500 1.2500 570 1.4600

375 1.2500 1.2500 575 1.5600

380 1.2500 1.2500 580 1.6600

385 1.8500 1.8500 585 1.7600

390 1.9000 1.9000 590 1.9000

999 0.9800 0.9800 999 0.9000

MILEAGE BI PD PIP UMBI UMPD COMP COLL

<=3000 0.80 0.80 0.80 0.80 0.80 0.80 0.80

3001 to 5000 0.85 0.85 0.85 0.85 0.85 0.85 0.85

5001 to 7500 0.90 0.90 0.90 0.90 0.90 0.90 0.90

7501 to 9000 0.95 0.95 0.95 0.95 0.95 0.95 0.95

PPV Comprehensive Anti-Theft Credit

Active, Passive, or Alarm Only 0.98 Status BI PD PIP UMBI UMPD

All Other (no anti-theft device) 1.00 Y 1.20 1.20 1.20 1.20 1.20

N 1.00 1.00 1.00 1.00 1.00

PPV LOW MILEAGE DISCOUNT RELATIVITIES

LIABILITY ONLY DISCOUNT RELATIVITIES



CUSTOM SHIELD

RATING FACTORS


RAPA symbol 1 RAPA symbol 2

Model years 1981 and newer Model years 1981 and newer

First SYMBOL COMP COLL

Digit of A 0.6340 0.6900

Symbol COMP COLL B 0.6830 0.7200

1 12,500 A 0.7000 0.5500 C 0.7330 0.7930

12,501 13,750 B 0.7900 0.7444 D 0.8000 0.8420

13,751 15,000 C 0.8189 0.7800 E 0.8330 0.8780

15,001 17,500 D 0.8921 0.8628 F 0.9207 0.9020

17,501 18,750 E 0.9356 0.8628 G 0.9399 0.9270

18,751 20,000 F 0.9356 0.9289 H 0.9662 0.9510

20,001 22,000 G 0.9905 0.9289 J 0.9863 0.9760

22,001 24,000 H 0.9905 0.9700 K 1.0000 1.0000

24,001 30,000 J 1.0000 1.0000 L 1.0209 1.0240

30,001 33,000 K 1.1534 1.0000 M 1.0350 1.0361

33,001 36,000 L 1.1534 1.0750 N 1.0566 1.0640

36,001 45,000 M 1.2600 1.0966 P 1.0713 1.0830

45,001 80,000 N 1.7000 1.3000 R 1.0936 1.1122

80,001 P T 1.1242 1.1830

U 1.1556 1.2320

V 1.1878 1.2930

1980 and older W 1.2295 1.3660

Stated Stated X 1.2813 1.4128

Amount Amount Y 1.3200 1.4569

Min Max Symbol COMP COLL Z 1.4000 1.5542

0 1600 1 0.2795 0.3592 0 1.4000 1.6590

1601 2100 2 0.3043 0.3873 1 1.4500 1.7320

2101 2750 3 0.3292 0.4155 2 1.5813 1.8050

2751 3700 4 0.3540 0.4437 3 1.6708 1.8780

3701 5000 5 0.3789 0.4718 4 1.7655 1.9510

5001 6500 6 0.4037 0.5000 5 1.8783 2.0240

6501 8000 7 0.4286 0.5282 6 1.9984 2.0980

8001 10000 8 0.4783 0.5704 7 2.1262 2.1710

10001 12500 10 0.5404 0.6338 8 2.2777 2.2440

12501 15000 11 0.6211 0.7042 9 2.4910 2.3200

15001 17500 12 0.6832 0.7535

17501 20000 13 0.7888 0.8310

20001 24000 14 0.8820 0.9225

24001 28000 15 1.0000 1.0000

28001 33000 16 1.1615 1.0845

33001 39000 17 1.3665 1.1901

39001 46000 18 1.5528 1.2746

46001 55000 19 1.8509 1.3873

55001 65000 20 2.1180 1.4859

65001 999,999 21 2.5776 1.6620

PPV PHYSICAL DAMAGE RELATIVITIES

MSRP/Stated

Amount if

Classic Min

MSRP/Stated

Amount if

Classic Max



CUSTOM SHIELD

RATING FACTORS


Vehicle Age Relativities

Age BI PD PIP UMBI UMPD COMP COLL

0 1.00 1.00 1.00 1.00 1.00 1.00 1.00

1 1.00 1.00 1.00 1.00 1.00 1.00 1.00

2 1.00 1.00 1.00 1.00 1.00 1.00 1.00

3 1.00 1.00 1.00 1.00 1.00 1.00 1.00

4 1.00 1.00 1.00 1.00 1.00 1.00 1.00

5 1.00 1.00 1.00 1.00 1.00 1.00 1.00

6 1.00 1.00 1.00 1.00 1.00 1.00 1.00

7 1.00 1.00 1.00 1.00 1.00 1.00 1.00

8 1.00 1.00 1.00 1.00 1.00 1.00 1.00

9 1.00 1.00 1.00 1.00 1.00 1.00 1.00

10 1.00 1.00 1.00 1.00 1.00 1.00 1.00

11 1.00 1.00 1.00 1.00 1.00 1.00 1.00

12 1.00 1.00 1.00 1.00 1.00 1.00 1.00

13 1.00 1.00 1.00 1.00 1.00 1.00 1.00

14 1.00 1.00 1.00 1.00 1.00 1.00 1.00

15 1.00 1.00 1.00 1.00 1.00 1.00 1.00

16 1.00 1.00 1.00 1.00 1.00 1.00 1.00

17 1.00 1.00 1.00 1.00 1.00 0.95 1.00

18 1.00 1.00 1.00 1.00 1.00 0.95 1.00

19 1.00 1.00 1.00 1.00 1.00 0.95 1.00

20 1.00 1.00 1.05 1.00 1.00 0.95 1.00

21 1.00 1.00 1.08 1.00 1.00 0.95 1.00

22 1.00 1.00 1.08 1.00 1.00 0.95 1.00

23 1.00 1.00 1.10 1.00 1.00 0.95 1.00

24 1.00 1.00 1.13 1.00 1.00 0.95 1.00

25 1.00 1.00 1.15 1.00 1.00 0.95 1.00

26 1.00 1.00 1.18 1.00 1.00 0.95 1.00

27 1.00 1.00 1.20 1.00 1.00 0.95 1.00

28 1.00 1.00 1.23 1.00 1.00 0.95 1.00

29 1.00 1.00 1.25 1.00 1.00 0.95 1.00

30 1.00 1.00 1.28 1.00 1.00 0.95 1.00

31 1.00 1.00 1.30 1.00 1.00 0.95 1.00

32 1.00 1.00 1.33 1.00 1.00 0.95 1.00

33 1.00 1.00 1.33 1.00 1.00 0.95 1.00

34 1.00 1.00 1.33 1.00 1.00 0.95 1.00

35 1.00 1.00 1.33 1.00 1.00 0.95 1.00

36 1.00 1.00 1.33 1.00 1.00 0.95 1.00

>=37 1.00 1.00 1.35 1.00 1.00 0.95 1.00

Status

Y 100 1.630 250 1.205

N 250 1.220 500 1.000

500 1.000 750 0.915

750 0.878 1,000 0.820

Status 1,000 0.740 1,500 0.780

Y 1,500 0.695 2,000 0.723

N 2,000 0.573 2,500 0.663

2,500 0.560 5,000 0.550

5,000 0.550

1.00

PPV Vehicle Replacement/Upgrade

Factor

1.05

Comprehensive CollisionDEDUCTIBLE RELATIVITIES

1.00

Diminishing Deductible

Factor

1.05



CUSTOM SHIELD

RATING FACTORS


MODEL YEAR RELATIVITIES

MODEL YR BI PD PIP UMBI UMPD COMP COLL

1980 & Prior 0.5260 0.6710 0.3900 1.0000 1.0000 0.3290 0.27301981 0.5260 0.6710 0.3900 1.0000 1.0000 0.3390 0.27301982 0.5260 0.6710 0.4100 1.0000 1.0000 0.3450 0.2730

1983 0.5260 0.6710 0.4400 1.0000 1.0000 0.3480 0.2730

1984 0.5260 0.6710 0.4600 1.0000 1.0000 0.3520 0.2730

1985 0.5260 0.6710 0.4800 1.0000 1.0000 0.3520 0.2730

1986 0.5260 0.6710 0.5000 1.0000 1.0000 0.3520 0.2730

1987 0.5660 0.6860 0.5200 1.0000 1.0000 0.3520 0.2730

1988 0.6040 0.7020 0.5300 1.0000 1.0000 0.3520 0.2730

1989 0.6410 0.7190 0.6200 1.0000 1.0000 0.3520 0.27301990 0.6760 0.7360 0.7000 1.0000 1.0000 0.3520 0.27301991 0.7090 0.7550 0.7200 1.0000 1.0000 0.3520 0.27301992 0.7400 0.7740 0.7900 1.0000 1.0000 0.3520 0.2730

1993 0.7680 0.7940 0.8300 1.0000 1.0000 0.3520 0.2730

1994 0.7950 0.8140 0.8900 1.0000 1.0000 0.3520 0.2730

1995 0.8190 0.8350 0.9200 1.0000 1.0000 0.3520 0.2730

1996 0.8410 0.8550 0.9600 1.0000 1.0000 0.3520 0.2730

1997 0.8610 0.8750 0.9900 1.0000 1.0000 0.3680 0.2730

1998 0.8790 0.8940 1.0000 1.0000 1.0000 0.3950 0.2730

1999 0.8960 0.9130 1.0000 1.0000 1.0000 0.4170 0.2980

2000 0.9110 0.9300 1.0000 1.0000 1.0000 0.4510 0.3290

2001 0.9260 0.9470 1.0000 1.0000 1.0000 0.4860 0.3670

2002 0.9400 0.9610 1.0000 1.0000 1.0000 0.5250 0.4110

2003 0.9540 0.9740 1.0000 1.0000 1.0000 0.5490 0.4620

2004 0.9690 0.9850 1.0000 1.0000 1.0000 0.5730 0.5140

2005 0.9840 0.9930 1.0000 1.0000 1.0000 0.6120 0.5790

2006 1.0000 0.9980 1.0000 1.0000 1.0000 0.6540 0.6480

2007 1.0000 1.0000 1.0000 1.0000 1.0000 0.6900 0.7170

2008 1.0000 1.0000 1.0000 1.0000 1.0000 0.7300 0.7860

2009 1.0000 1.0000 1.0000 1.0000 1.0000 0.7720 0.8390

2010 1.0000 1.0000 1.0000 1.0000 1.0000 0.8190 0.8770

2011 1.0000 1.0000 1.0000 1.0000 1.0000 0.8720 0.9160

2012 1.0000 1.0000 1.0000 1.0000 1.0000 0.9340 0.9570

2013 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

2014 1.0000 1.0000 1.0000 1.0000 1.0000 1.0660 1.0490

2015 1.0000 1.0000 1.0000 1.0000 1.0000 1.1300 1.0910

2016 1.0000 1.0000 1.0000 1.0000 1.0000 1.1960 1.1370

2017 1.0000 1.0000 1.0000 1.0000 1.0000 1.2610 1.1830

PPV Usage Relativities

Milage BI PD PIP UMBI UMPD COMP COLL

Pleasure 1.00 1.00 1.00 1.00 1.00 1.00 1.00

< 15 Miles 1.00 1.00 1.00 1.00 1.00 1.00 1.00

15 + Miles 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Business 1.20 1.20 1.20 1.20 1.20 1.20 1.20

Farm 0.90 0.90 0.90 0.90 0.90 0.90 0.90



CUSTOM SHIELD

RATING FACTORS


MH ACTUAL CASH VALUE SYMBOL RELS MH ACTUAL CASH VALUE SYMBOL RELS

SYM COMP COLL SYM COMP COLL

1 1 1,000 0.290 0.330 51 115,001 120,000 1.670 1.740

2 1,001 2,000 0.290 0.330 52 120,001 125,000 1.720 1.790

3 2,001 3,000 0.290 0.330 53 125,001 130,000 1.760 1.870

4 3,001 4,000 0.290 0.330 54 130,001 135,000 1.810 1.950

5 4,001 5,000 0.290 0.330 55 135,001 140,000 1.850 2.020

6 5,001 6,000 0.290 0.330 56 140,001 145,000 1.900 2.100

7 6,001 7,000 0.290 0.330 57 145,001 150,000 1.940 2.180

8 7,001 8,000 0.290 0.330 58 150,001 155,000 1.980 2.260

9 8,001 9,000 0.290 0.330 59 155,001 160,000 2.030 2.340

10 9,001 10,000 0.290 0.330 60 160,001 165,000 2.070 2.410

11 10,001 11,000 0.290 0.330 61 165,001 170,000 2.120 2.449

12 11,001 12,000 0.290 0.330 62 170,001 175,000 2.160 2.570

13 12,001 13,000 0.290 0.330 63 175,001 180,000 2.280 2.590

14 13,001 14,000 0.290 0.330 64 180,001 185,000 2.390 2.600

15 14,001 15,000 0.290 0.330 65 185,001 190,000 2.510 2.620

16 15,001 16,000 0.320 0.360 66 190,001 195,000 2.620 2.630

17 16,001 17,000 0.320 0.360 67 195,001 200,000 2.740 2.650

18 17,001 18,000 0.320 0.360 68 200,001 205,000 2.850 2.660

19 18,001 20,000 0.360 0.390 69 205,001 210,000 2.970 2.690

20 20,001 22,000 0.380 0.410 70 210,001 215,000 3.080 2.700

21 22,001 24,000 0.400 0.430 71 215,001 220,000 3.200 2.710

22 24,001 26,000 0.410 0.460 72 220,001 225,000 3.310 2.720

23 26,001 27,000 0.420 0.470 73 225,001 230,000 3.390 2.730

24 27,001 29,000 0.430 0.490 74 230,001 235,000 3.460 2.740

25 29,001 31,000 0.440 0.510 75 235,001 240,000 3.540 2.750

26 31,001 33,000 0.450 0.530 76 240,001 245,000 3.610 2.760

27 33,001 35,000 0.460 0.560 77 245,001 250,000 3.690 2.770

28 35,001 37,000 0.470 0.580 78 >250,000

29 37,001 39,000 0.490 0.600 each additional $5,000 +0.05 +0.035

30 39,001 41,000 0.500 0.630

31 41,001 43,000 0.520 0.650

32 43,001 45,000 0.570 0.680

33 45,001 47,000 0.610 0.690

34 47,001 49,000 0.620 0.720

35 49,001 52,000 0.640 0.750

36 52,001 55,000 0.670 0.790

37 55,001 58,000 0.690 0.810

38 58,001 61,000 0.750 0.880

39 61,001 64,000 0.750 0.880

40 64,001 67,000 0.810 0.880

41 67,001 70,000 0.810 0.880

42 70,001 75,000 0.900 1.040

43 75,001 80,000 1.000 1.100

44 80,001 85,000 1.090 1.160

45 85,001 90,000 1.140 1.300

46 90,001 95,000 1.310 1.420

47 95,001 100,000 1.490 1.560

48 100,001 105,000 1.540 1.610

49 105,001 110,000 1.580 1.650

50 110,001 115,000 1.630 1.700

VALUE RANGE VALUE RANGE



CUSTOM SHIELD

RATING FACTORS


VEH AGE COMP COLL COVERAGE REL

0 0.620 0.890 BI 0.542

1 0.670 0.890 PD 0.369

2 0.680 0.940 PIP 0.411

3 0.740 0.940 UMBI 0.596

4 0.800 1.010 UMPD 0.407

5 0.860 1.050 COMP 1.410

6 1.010 1.120 COLL 0.861

7 1.010 1.130

8 1.110 1.150

9 1.110 1.180

10 1.110 1.180

11 1.210 1.000

12 1.210 1.000

13 1.210 1.000

14 1.210 1.000

15 1.210 1.000

16 1.310 0.700

17 1.310 0.700

18 1.310 0.700

19 1.310 0.700

20-99 1.310 0.700

MH VEHICLE AGE SYMBOLS MH DISCOUNT FACTORS



CUSTOM SHIELD

RATING FACTORS


TRAILER ACTUAL CASH VALUE SYMBOL RELS

SYM COMP COLL SYM COMP COLL

1 1 3,000 0.450 0.340 0 1.000 1.000

2 3,001 5,000 0.580 0.400 1 1.050 0.800

3 5,001 7,000 0.720 0.470 2 1.100 0.800

4 7,001 9,000 0.790 0.550 3 1.150 0.800

5 9,001 11,000 0.850 0.630 4 1.170 0.800

6 11,001 13,000 0.900 0.720 5 1.200 0.800

7 13,001 15,000 0.940 0.810 6 1.250 0.750

8 15,001 17,000 0.990 0.900 7 1.350 0.750

9 17,001 19,000 1.010 1.000 8 1.400 0.700

10 19,001 21,000 1.070 1.110 9 1.400 0.660

11 21,001 23,000 1.130 1.220 10 1.400 0.630

12 23,001 25,000 1.170 1.270 11 1.400 0.600

13 25,001 27,000 1.220 1.320 12 1.400 0.600

14 27,001 29,000 1.260 1.390 13 1.400 0.600

15 29,001 31,000 1.300 1.540 14 1.400 0.600

16 31,001 33,000 1.330 1.630 15 1.400 0.550

17 33,001 35,000 1.360 1.730 16-99 1.200 0.500

18 35,001 37,000 1.390 1.810

19 37,001 39,000 1.420 1.880

20 39,001 41,000 1.450 1.960

21 41,001 43,000 1.490 2.030 REL

22 43,001 45,000 1.540 2.110 0.206

23 45,001 47,000 1.600 2.180 0.566

24 47,001 49,000 1.650 2.250

25 49,001 51,000 1.700 2.320

26 51,001 53,000 1.750 2.390

27 53,001 55,000 1.800 2.430

28 55,001 57,000 1.850 2.490

29 57,001 59,000 1.900 2.550

30 59,001 61,000 1.950 2.610

31 61,001 65,000 1.950 2.680

32 65,001 70,000 1.970 2.720

33 70,001 75,000 1.990 2.750

34 75,001 80,000 2.050 2.805

35 80,001 85,000 2.110 2.860

36 85,001 90,000 2.170 2.915

37 90,001 95,000 2.230 2.970

38 95,001 100,000 2.290 3.025

39 >100000

Each additional $5,000 +.06 +.055

COVERAGE

COMP

COLL

VALUE RANGE

TRAILER VEHICLE AGE SYMBOLS

TRAILER DISCOUNT FACTORS



CUSTOM SHIELD

RATING FACTORS


REL

COVERAGE REL 0.150

BI 1.000 0.150

PD 1.000 0.150

PIP 1.000 0.150

UMBI 1.000

COMP 1.000

COLL 2.000

Rate per

COV DED $100

Comp 0 0.43

Comp 50 0.31

REL Coll 100 0.24

0.061 Coll 200 0.17

0.043

0.020

0.076

UMBI

ANTIQUE PHYSICAL DAMAGE

NON-OWNED DISCOUNT FACTORS

COVERAGE

BI

PD

UMBI

RESTRICTED USE

DISCOUNT FACTORS

ANTIQUE DISCOUNT FACTORS

COVERAGE

BI

PD

PIP

PIP


OREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD … · 2016-02-11 · oregon mutual insurance company...

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