EX-10.16



 





Exhibit 10.16




THE PROGRESSIVE CORPORATION

2007 INFORMATION TECHNOLOGY INCENTIVE PLAN



1. The Progressive Corporation and its subsidiaries (“Progressive” or the “Company”) have
adopted The Progressive Corporation 2007 Information Technology Incentive Plan (the “Plan”) as part
of their overall compensation program for employees assigned to the Company’s Information
Technology Organization (“IT Organization”).



2. There is a strong correlation between computer systems availability and the economic
performance of the Company. All three sales channels, customer service and claims handling are
dependent on electronic systems. When systems are down, Progressive incurs lost productivity costs
and, in some cases, may forfeit revenue opportunities. The Plan is designed to incent employees
within the IT Organization to find creative ways to eliminate scheduled and unscheduled system
downtime, and shift the risk associated with technology changes away from times when downtime is
most costly to the business.



3. A significant aspect of the Plan is that it encourages continuous improvement. Each
year, the complexity of the Progressive computing environment increases, as we introduce new
applications and increasingly target systems to the end consumer. The target payout for the Plan
at a 1.0 Performance Factor will be set at the amount of “up time points” earned the previous year
(adjusted proportionately for any change in the duration of the current Plan year). In order to
receive a payout above the target, the performance achieved needs to exceed the previous year’s
performance level (as so adjusted) in a more complex environment. Plan years will coincide with
Progressive’s fiscal years.



4. All regular employees of Progressive (including managers) who are assigned primarily to the IT
Organization are eligible to be selected for participation in the Plan. The Chief Executive
Officer, after consulting with the Chief Human Resource Officer, (collectively, the “Designated
Officers”) shall have the authority to select Plan participants for any given Plan year.



5. Subject to Paragraph 10 below, annual payments under the Plan will be determined by
application of the following formula:




Annual IT Incentive Payment = Paid Earnings x Target Percentage x IT Performance Factor.



     The Annual IT Incentive Payment payable to any participant with respect to any given Plan
year, as determined by such formula, will be adjusted by a weighing factor, as described in
Paragraph 10, and will not exceed $75,000.00.




	6.	 	Paid Earnings for any Plan year means and include the following: regular, used Earned
Time Benefit, sick, holiday (excluding, for all 




 purposes hereunder, premium holiday pay for exempt
employees), funeral and overtime pay, and retroactive payments of any of the foregoing items,
received by the participant during the Plan year for work or services performed as an officer or
employee
of Progressive.

     For purposes of the Plan, Paid Earnings shall exclude all other types of compensation,
including, without limitation, any short-term or long-term disability payments made to the
participant, the earnings replacement component of any worker’s compensation award, payments from
the discretionary cash fund or any other bonus or incentive compensation awards, any dividend
payments and any unused Earned Time Benefit.



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     Notwithstanding the foregoing, if at the end of the 24th pay period of a Plan year,
any Plan participant’s then current annual salary exceeds his or her salary range maximum plus
$105, then for purposes of computing his or her Annual IT Incentive Payment under the Plan, his or
her Paid Earnings shall be equal to the sum of: (i) his or her regular, used Earned Time Benefit,
sick, holiday and funeral pay for each bi-weekly pay period during the Plan year, but not to
exceed 1/26th of his or her annual salary range maximum (as in effect as of the end of
the applicable pay period) for any such bi-weekly pay period; plus (ii) the full amount of the
following items, if any, received by such participant during that Plan year: (a) overtime pay, and
(b) retroactive payments of regular, used Earned Time Benefit, sick, holiday, overtime and funeral
pay.


7. Target Percentages vary by position and shall be determined on an annual basis by the
Designated Officers.



8. In the discretion of the Designated Officers, participants in this Plan may also participate
in The
Progressive Corporation 2007 Gainsharing Plan, or any other incentive plan maintained by the
Company, or any successor thereto.



9. The IT Performance Factor




     The IT Performance Factor is based on application availability and accuracy measured on a
point system, and may vary from 0 to 2.0. Points are awarded for every day that production
systems, both
mainframe and client/server, are outage free. If there is an outage in any production system, all
of the points relating to that application are lost for that day. Measured applications, measured
hours, outage definitions, point values and administrative guidelines will be defined on an annual
basis by or under the direction of the Designated Officers. A Performance Matrix approved by the
Designated Officers will assign a Performance Score to various point levels that may be achieved.



     For 2007, and for each Plan year thereafter until otherwise determined by the Designated
Officers, the applicable Plan rules shall be as set forth in Schedule I attached hereto.



     The best possible score in any given week is 10 points per application. Attached hereto as
Schedule II is the 2007 Performance Matrix with the breakdown of scores and related outcomes. For
2007, a target of 1.00 will be achieved by earning between 10,251 and 10,254 points out of a
possible 10,920 points. The Designated Officers will establish the applicable performance targets,
the Performance Scores that will be awarded for various point levels achieved and the maximum
potential points that may be earned and the resulting Performance Score for subsequent Plan years.


10. If, for any Plan year, an employee has been selected to participate in both the Plan and
another incentive plan offered by the Company, then with respect to such employee, the Annual IT
Incentive Payment formula set forth in Paragraph 5 hereof will be appropriately adjusted by
applying a weighting factor to reflect the proportion of the employee’s total annual incentive
opportunity that is being provided by the Plan. The Designated Officers shall have full authority
to determine the incentive plan or plans in which any employee shall participate during any plan
year and, if an employee is selected to participate in more than one plan, the weighting factor
that will apply to each such plan.



11. Subject to Paragraph 12 below, no later than December 31 of each Plan year, each participant
will receive an initial payment in respect of his or her Annual IT Incentive Payment for that Plan
year equal to 75% of an amount calculated on the basis of Paid Earnings for the first 24 pay
periods of the Plan year, estimated earnings for the remainder of the Plan year and performance
data through November of the Plan year. No later than February 15 of the following year, each
participant shall


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receive the balance of his or her Annual IT Incentive Payment, if any, for such
Plan year, based on his or her Paid Earnings and performance data for the entire Plan year.



12. Unless otherwise determined by the Committee (as defined below), and except as expressly
provided herein, in order to be entitled to receive an Annual IT Incentive Payment for any Plan
year, the participant must be assigned to the IT Organization and be an active employee of the
Company on November 30 of that Plan year (“Qualification Date”). Individuals who are hired on or
after December 1 of any Plan year are not entitled to receive an Annual IT Incentive Payment for
that Plan year.




     Any participant who is on a leave of absence covered by the Family and Medical Leave Act of
1993, personal leave of absence approved by the Company, military leave or short or long-term
disability on the Qualification Date with respect to any Plan year will be entitled to receive an
Annual IT Incentive Payment for that Plan year, calculated as provided in Paragraphs 5 and 11 above
and based on the amount of Paid Earnings received by such participant for the Plan year.



     Annual IT Incentive Payments will be net of any legally required deductions for federal, state
and local taxes and other items.


13. The right to any Annual IT Incentive Payment hereunder may not be sold, transferred, assigned
or encumbered by any participant. Nothing herein shall prevent any participant’s interest
hereunder from being subject to involuntary attachment, levy or other legal process.



14. The Plan shall be administered by or under the direction of the Compensation Committee of
the Board of Directors of The Progressive Corporation (“Committee”). The Committee shall have the
authority to adopt, alter, modify, amend and repeal such rules, guidelines, procedures and
practices governing the Plan as it shall, from time to time, in its sole discretion, deem
advisable.




     The Committee shall have full authority to determine the manner in which the Plan will
operate, to interpret the provisions of the Plan and to make all determinations hereunder. All
such interpretations and determinations shall be final and binding on Progressive, all Plan
participants and all other parties. No such interpretation or determination shall be relied on as a
precedent for any similar action or decision.



     Unless otherwise determined by the Committee, all of the authority of the Committee hereunder
(including, without limitation, the authority to administer the Plan, select participants in the
Plan, interpret the provisions of the Plan, waive any of the requirements specified herein and make
determinations hereunder and to establish, change or modify performance targets and measures) may
be exercised by the Designated Officers. In the event of a dispute or conflict, the determination
of the Committee will govern.


15. The Plan may be terminated, amended or revised, in whole or in part, at any time and from
time to time by the Committee, in its sole discretion.



16. The Plan will be unfunded and all payments due under the Plan shall be made from
Progressive’s general assets.



17. Nothing in the Plan shall be construed as conferring upon any person the right to remain a
participant in the Plan or to remain employed by Progressive, nor shall the Plan limit
Progressive’s right to discipline or discharge any of its employees or change any of their job
titles, duties or compensation.



18. The Company shall have the unrestricted right to set off against or recover out of any Annual


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IT Incentive Payment or other sums owed to any participant under the Plan any amounts owed by such
participant to the Company.



19. This Plan supersedes any and all prior plans, agreements, understandings and arrangements
regarding bonuses or other cash incentive compensation payable to participants by or due from
Progressive and relating to the availability of computer systems. Without limiting the generality
of the foregoing, this Plan supersedes and replaces The
Progressive Corporation 2006 Information Technology Incentive Plan (the “Prior Plan”), which is and
shall be deemed to be terminated as of December 29, 2006 (the “Prior Plan Termination Date”);
provided, that any bonuses or other sums earned and payable under the Prior Plan with respect to
any Plan year ended on or prior to the Prior Plan Termination Date shall be unaffected by such
termination and shall be paid to the appropriate participants when and as provided thereunder.



20. This Plan is adopted, and is to be effective, as of December 30, 2006, which is the
commencement of Progressive’s 2007 fiscal year. This Plan shall be effective for the 2007 Plan
year (which coincides with Progressive’s 2007 fiscal year) and for each Plan year thereafter unless
and until terminated by the Committee.



21. This Plan shall be interpreted and construed in accordance with the laws of the State of
Ohio.




Schedule I




Information Technology Incentive Plan

2007 Rules



1. System Measurements



The intent of this program is to ensure that incidents that have major business impact are
counted as an outage. An outage is defined as an event (excluding a telecommunication failure)
that prevents 100 or more customers from using an application for more than 15 minutes. We define
a customer as anyone who uses our applications or is the recipient of output from our systems.
Examples include, but are not limited to: agents, policyholders, claimants, quote requestors, body
shop personnel, and internal users.



The measured hours are 24 hours a day, Monday through Saturday. All day Sunday is measured with
the exception of our weekly system maintenance window which is from 3:30am until 8:00am EST and,
also, one (1) Sunday a quarter from Midnight to 8:00am EST.



Individual application outage clarifications will take precedent over these time frames. See chart
below:




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	System	 	Additional Outage Clarifications
	Cash Disbursements (CDS)

	 	An outage is defined for Monday through
Friday as anytime the system is not
available by 7 am. An exception would be
any requested Saturday or Sunday access
requested by the system owner 24 hours in
advance.
	 
	 	 
	 
	 	 
	Claims MyCars
	 	 
	 
	 	 
	Claims Decision Point
	 	 
	 
	 	 
	Claims PACMan
	 	 
	 
	 	 
	Claims Web Tracker
	 	 
	 
	 	 
	ClaimStation

	 	An outage is defined as a claim
representative’s inability to process
claims transactions. This would include
the ability to log in, monitor and assign
claims, view current claim status,
document next steps, make payments,
evaluation of current claim, and
add/update claim data. As additional
core claims transactions are integrated
into ClaimStation, they will be included
six months after country wide rollout of
the new functionality in ClaimStation.
	 
	 	 
	Commercial Auto (PRAT/WFC)

 

Connect
	 	 
	 
	 	 
	FAO

	 	An outage is defined as an agent’s
inability to process transactions,
exclusive of quoting. Transactions
included in the FAO outage calculation
are the highest volume transactions
performed by agents. These vital business
transactions include logging into the
website, making payments, making policy
changes, viewing/printing policy
documents, and viewing policy, claims and
financial reports. An exception would be
one (1) Sunday a month (Sunday before
Month End) from 3:30am until 5:30am EST.
	 
	 	 
	Internet Special Lines

	 	An outage is defined as an event
(excluding call routing licensing issues)
preventing quoting and/or selling. An
exception would be one (1) Sunday a month
(Sunday before Month End) from 3:30am
until 5:30am EST.
	 
	 	 
	Internet Auto

	 	An outage is defined as an event
(excluding call routing licensing issues)
preventing quoting and/or selling. An
exception would be one (1) Sunday a month
(Sunday before Month End) from 3:30am
until 5:30am EST.
	 
	 	 
	Internet Comparison Rating

	 	An outage is defined as an event
preventing quoting of both the Comparison
and Progressive rates and/or the selling
of the Progressive rate, once the quote
has entered the Internet Comparison
application. This excludes intentional
DNQ (Do Not Quote) situations for
competitors driven by competitor
eligibility rules and call routing
licensing issues. An exception would be
one (1) Sunday a month (Sunday before
Month End) from 3:30am until 5:30am EST,
and quarterly scheduled extended
Maintenance times.
	 
	 	 
	Online Services
	 	 
	 
	 	 
	Ownership Work Bench (OWB)
	 	 
	 
	 	 
	Billing Systems

	 	An outage for the start of day is defined
as anytime the POLARIS/ProBill
transactions are not available by 6:00am
Monday through Saturday.
	 
	 	 
	Policy Services Work Flow (POWR)

	 	An outage is defined as anytime their
scanning system is totally unavailable
(both locations down) for more than 30
minutes excluding their daily batch
window between midnight and 4:00am EST.
	 
	 	 
	ProRater Uploads
	 	 






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	System	 	Additional Outage Clarifications
	PROTEUS (Atlantic, Gulf, 

Midwest, Pacific)

	 	An outage for start of day is defined as
anytime the 30 minute back-up occurs
after 6:00am, or causes the application
to be unavailable over 30 minutes.
	 
	 	 
	Server Based Rating (SBR)

	 	An outage is defined as an event
(excluding call routing licensing issues)
that prevents agents from quoting,
selling and printing/e-mailing new
policies or prevents consumers from
quoting or printing. An exception
would be one (1) Sunday a month (Sunday
before Month End) from 3:30am until
5:30am EST.
	 
	 	 
	Call Flow

	 	A call routing outage is defined as
anytime 100 unique customers calls are
not successfully completed to Progressive
(i.e., fast busy, non-working number
recording) within a 15 minute period due
to a Progressive error.
	 
	 	 
	Speech Self Service

	 	An outage is defined as an application or
infrastructure event impacting 100 unique
callers in a 15 minute period that
prevents the application from responding
to calls, receiving menu transactions, or
successfully completing a requested
transaction. Exceptions would include
customer disconnects, call recording
failures, a 10 minute daily window
between 2 a.m. — 4 a.m. for ProBill file
switching, and scheduled monthly and
quarterly maintenance windows (monthly
from 3:30 — 8am EST and quarterly from
midnight to 8:00am EST).





2. Customer Experience



An incident impacting 100 or more customers is defined as any of the following:





	 	•	 	The business issues an ACC, Letter, call-out, email, etc. because of an IT related problem
	 
	 	•	 	E-mails are sent multiple times to the same person
	 
	 	•	 	EFT (electronic fund transfers) incorrectly occur multiple times
	 
	 	•	 	Bills are sent to the wrong person
	 
	 	•	 	Billing is incorrect by more than $1.00
	 
	 	•	 	Documents are retransmitted (post office, fax or email) for any of the conditions below:






	 	o	 	Print was incorrect
	 
	 	o	 	Forms were missing
	 
	 	o	 	Forms were sent in error






	 	•	 	Policyholder personal information is compromised by sharing or sending data to the wrong
person or agent.





3. Availability
of an Application.


There can be times when an application is available but a particular transaction could be out
of service or malfunctioning. For our measurement purposes, this would typically be counted as an
outage.



We recognize there could be an occasion where the unavailable transaction represents insignificant
lost functionality and may affect less than 100 customers. These transactions being unavailable
would not be counted as an outage.


4. Vendor Service Outages



Vendors are a critical component to our service delivery. We work with three types of
vendors, Transaction Service Vendors (Equifax, Choicepoint, Discover, State MVR Centers, etc.),
Infrastructure Vendors (IBM, Microsoft, Oracle, etc.), and Hosting Vendors (Convergys). It is the
responsibility of the appropriate I/T group to manage and evaluate the quality of service received
from these vendors.



For purposes of this program, service disruptions caused by a Transaction Service Vendor or a
Hosting Vendor site not being available, that is entirely a vendor issue, will not be counted as an
outage. However, we have several arrangements for conversion to an alternate vendor or alternate
vendor site


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during an outage. If we are unable to execute the conversion because of a Progressive
related issue, this would be counted as an outage.



For purposes of this program, service disruptions caused by an Infrastructure Vendor will be
counted as an outage.



5. Slow Response Time



Occasionally an application is available but the response time is poor. Slow response time
will not be counted as an outage.



6. Scheduled Maintenance



Occasionally, system or facility work needs to be performed that cannot be completed during
our normal maintenance hours (see rule #1 for maintenance hours). In spite of this downtime being
scheduled in advance with our customers, it will be counted as an outage.



7. IT Performance and Customer Experience Point Values



IT Performance



Any day without an outage will be awarded the maximum number of points for that day. Point values
per day are weighted to correspond with the value to the business based on the volume of
transactions. The maximum number of points earned per week is 10 points per application as defined
in Rule#1. The point value maximum, by day, is outlined in the following table:




	 	 	 	 	 	 	 	 	 	 	 	 	 
	Day	 	Points per Application	 	# of Applications	 	Maximum Points Per Day
	Monday
	 	 	2.0	 	 	 	21	 	 	42	 
	Tuesday
	 	 	2.0	 	 	 	21	 	 	42	 
	Wednesday
	 	 	1.5	 	 	 	21	 	 	31.5	 
	Thursday
	 	 	1.5	 	 	 	21	 	 	31.5	 
	Friday
	 	 	1.5	 	 	 	21	 	 	31.5	 
	Saturday
	 	 	1.0	 	 	 	21	 	 	21	 
	Sunday
	 	 	0.5	 	 	 	21	 	 	10.5	 
	Total
	 	 	10.0	 	 	 	21	 	 	210	 





Point values will not be adjusted for holidays. In other words, if a holiday is celebrated on a
Monday it will be given a 2 point value.



IT Customer Experience 



Outages that negatively affect customers will be assessed points from the following scale, based on
the number of customers impacted.




	 	 	 	 	 
	Customers >	 	Customers <	 	Points
	100
	 	9,999	 	5
	10,000
	 	99,999	 	10
	100,000
	 	~	 	20





8. Communications of Status



On a daily basis, we will communicate any outage in the Morning Status Report issued Monday
through Friday by ETG. The outage will be highlighted in red.



Each Monday, IT Control will distribute to all IT staff, the “Weekly IT Performance Report”,
indicating the previous week’s results as well as the annualized point factor. In addition, a
monthly report with year-to-date information will be distributed to all IT staff by the first
Friday of the fiscal month.




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9. Appeal Process



Anyone within the organization has the right to appeal an outage. All appeals should be made
by email to Ed Locker. Ed will ensure the appeal is presented in the Post Mortem review of the
incident. If the
outage was misrepresented, a reversal will be carried in the Weekly IT Performance Report and all
associated status reports.



If the outage requires a judgment call, it will be reviewed by David Krew, Tom Cunningham, Chris
Garson, and Molly Gessler who will act as the Ruling Committee. All judgments made by the Ruling
Committee are final.



10. Earned Points Chart for 2007



The attached 2007 Earned Points Chart correlates annual points earned to the IT Performance
Factor.




Schedule II




INFORMATION TECHNOLOGY INCENTIVE PLAN

2007 EARNED POINTS CHART




	 	 	 	 	 
	ANNUAL POINTS EARNED	 	 	 	IT PERFORMANCE
	Minimum	 	Maximum	 	FACTOR
	0
	 	9,827
	 	0.00
	9,828
	 	9,831
	 	0.01
	9,832
	 	9,836
	 	0.02
	9,837
	 	9,840
	 	0.03
	9,841
	 	9,844
	 	0.04
	9,845
	 	9,848
	 	0.05
	9,849
	 	9,853
	 	0.06
	9,854
	 	9,857
	 	0.07
	9,858
	 	9,861
	 	0.08
	9,862
	 	9,865
	 	0.09
	9,866
	 	9,870
	 	0.10
	9,871
	 	9,874
	 	0.11
	9,875
	 	9,878
	 	0.12
	9,879
	 	9,883
	 	0.13
	9,884
	 	9,887
	 	0.14
	9,888
	 	9,891
	 	0.15
	9,892
	 	9,895
	 	0.16
	9,896
	 	9,900
	 	0.17
	9,901
	 	9,904
	 	0.18
	9,905
	 	9,908
	 	0.19
	9,909
	 	9,912
	 	0.20






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	ANNUAL POINTS EARNED	 	 	 	IT PERFORMANCE
	Minimum	 	Maximum	 	FACTOR
	9,913
	 	9,917
	 	0.21
	9,918
	 	9,921
	 	0.22
	9,922
	 	9,925
	 	0.23
	9,926
	 	9,929
	 	0.24
	9,930
	 	9,934
	 	0.25
	9,935
	 	9,938
	 	0.26
	9,939
	 	9,942
	 	0.27
	9,943
	 	9,947
	 	0.28
	9,948
	 	9,951
	 	0.29
	9,952
	 	9,955
	 	0.30
	9,956
	 	9,959
	 	0.31
	9,960
	 	9,964
	 	0.32
	9,965
	 	9,968
	 	0.33
	9,969
	 	9,972
	 	0.34
	9,973
	 	9,976
	 	0.35
	9,977
	 	9,981
	 	0.36
	9,982
	 	9,985
	 	0.37
	9,986
	 	9,989
	 	0.38
	9,990
	 	9,994
	 	0.39
	9,995
	 	9,998
	 	0.40
	9,999
	 	10,002
	 	0.41
	10,003
	 	10,006
	 	0.42
	10,007
	 	10,011
	 	0.43
	10,012
	 	10,015
	 	0.44
	10,016
	 	10,019
	 	0.45
	10,020
	 	10,023
	 	0.46
	10,024
	 	10,028
	 	0.47
	10,029
	 	10,032
	 	0.48
	10,033
	 	10,036
	 	0.49
	10,037
	 	10,041
	 	0.50
	10,042
	 	10,045
	 	0.51
	10,046
	 	10,049
	 	0.52
	10,050
	 	10,053
	 	0.53
	10,054
	 	10,058
	 	0.54
	10,059
	 	10,062
	 	0.55
	10,063
	 	10,066
	 	0.56
	10,067
	 	10,070
	 	0.57
	10,071
	 	10,075
	 	0.58
	10,076
	 	10,079
	 	0.59
	10,080
	 	10,083
	 	0.60
	10,084
	 	10,087
	 	0.61
	10,088
	 	10,092
	 	0.62
	10,093
	 	10,096
	 	0.63
	10,097
	 	10,100
	 	0.64
	10,101
	 	10,105
	 	0.65
	10,106
	 	10,109
	 	0.66
	10,110
	 	10,113
	 	0.67
	10,114
	 	10,117
	 	0.68
	10,118
	 	10,122
	 	0.69






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	ANNUAL POINTS EARNED	 	 	 	IT PERFORMANCE
	Minimum	 	Maximum	 	FACTOR
	10,123
	 	10,126
	 	0.70
	10,127
	 	10,130
	 	0.71
	10,131
	 	10,134
	 	0.72
	10,135
	 	10,139
	 	0.73
	10,140
	 	10,143
	 	0.74
	10,144
	 	10,147
	 	0.75
	10,148
	 	10,152
	 	0.76
	10,153
	 	10,156
	 	0.77
	10,157
	 	10,160
	 	0.78
	10,161
	 	10,164
	 	0.79
	10,165
	 	10,169
	 	0.80
	10,170
	 	10,173
	 	0.81
	10,174
	 	10,177
	 	0.82
	10,178
	 	10,181
	 	0.83
	10,182
	 	10,186
	 	0.84
	10,187
	 	10,190
	 	0.85
	10,191
	 	10,194
	 	0.86
	10,195
	 	10,198
	 	0.87
	10,199
	 	10,203
	 	0.88
	10,204
	 	10,207
	 	0.89
	10,208
	 	10,211
	 	0.90
	10,212
	 	10,216
	 	0.91
	10,217
	 	10,220
	 	0.92
	10,221
	 	10,224
	 	0.93
	10,225
	 	10,228
	 	0.94
	10,229
	 	10,233
	 	0.95
	10,234
	 	10,237
	 	0.96
	10,238
	 	10,241
	 	0.97
	10,242
	 	10,245
	 	0.98
	10,246
	 	10,250
	 	0.99
	10,251
	 	10,254
	 	1.00
	10,255
	 	10,259
	 	1.01
	10,260
	 	10,265
	 	1.02
	10,266
	 	10,270
	 	1.03
	10,271
	 	10,275
	 	1.04
	10,276
	 	10,280
	 	1.05
	10,281
	 	10,286
	 	1.06
	10,287
	 	10,291
	 	1.07
	10,292
	 	10,296
	 	1.08
	10,297
	 	10,301
	 	1.09
	10,302
	 	10,307
	 	1.10
	10,308
	 	10,312
	 	1.11
	10,313
	 	10,317
	 	1.12
	10,318
	 	10,323
	 	1.13
	10,324
	 	10,328
	 	1.14
	10,329
	 	10,333
	 	1.15
	10,334
	 	10,338
	 	1.16
	10,339
	 	10,344
	 	1.17
	10,345
	 	10,349
	 	1.18






-10-









 






	 	 	 	 	 
	ANNUAL POINTS EARNED	 	 	 	IT PERFORMANCE
	Minimum	 	Maximum	 	FACTOR
	10,350
	 	10,354
	 	1.19
	10,355
	 	10,359
	 	1.20
	10,360
	 	10,365
	 	1.21
	10,366
	 	10,370
	 	1.22
	10,371
	 	10,375
	 	1.23
	10,376
	 	10,380
	 	1.24
	10,381
	 	10,386
	 	1.25
	10,387
	 	10,391
	 	1.26
	10,392
	 	10,396
	 	1.27
	10,397
	 	10,402
	 	1.28
	10,403
	 	10,407
	 	1.29
	10,408
	 	10,412
	 	1.30
	10,413
	 	10,417
	 	1.31
	10,418
	 	10,423
	 	1.32
	10,424
	 	10,428
	 	1.33
	10,429
	 	10,433
	 	1.34
	10,434
	 	10,438
	 	1.35
	10,439
	 	10,444
	 	1.36
	10,445
	 	10,449
	 	1.37
	10,450
	 	10,454
	 	1.38
	10,455
	 	10,460
	 	1.39
	10,461
	 	10,465
	 	1.40
	10,466
	 	10,470
	 	1.41
	10,471
	 	10,475
	 	1.42
	10,476
	 	10,481
	 	1.43
	10,482
	 	10,486
	 	1.44
	10,487
	 	10,491
	 	1.45
	10,492
	 	10,496
	 	1.46
	10,497
	 	10,502
	 	1.47
	10,503
	 	10,507
	 	1.48
	10,508
	 	10,512
	 	1.49
	10,513
	 	10,518
	 	1.50
	10,519
	 	10,523
	 	1.51
	10,524
	 	10,528
	 	1.52
	10,529
	 	10,533
	 	1.53
	10,534
	 	10,539
	 	1.54
	10,540
	 	10,544
	 	1.55
	10,545
	 	10,549
	 	1.56
	10,550
	 	10,554
	 	1.57
	10,555
	 	10,560
	 	1.58
	10,561
	 	10,565
	 	1.59
	10,566
	 	10,570
	 	1.60
	10,571
	 	10,576
	 	1.61
	10,577
	 	10,581
	 	1.62
	10,582
	 	10,586
	 	1.63
	10,587
	 	10,591
	 	1.64
	10,592
	 	10,597
	 	1.65
	10,598
	 	10,602
	 	1.66
	10,603
	 	10,607
	 	1.67






-11-









 






	 	 	 	 	 
	ANNUAL POINTS EARNED	 	 	 	IT PERFORMANCE
	Minimum	 	Maximum	 	FACTOR
	10,608
	 	10,612
	 	1.68
	10,613
	 	10,618
	 	1.69
	10,619
	 	10,623
	 	1.70
	10,624
	 	10,628
	 	1.71
	10,629
	 	10,633
	 	1.72
	10,634
	 	10,639
	 	1.73
	10,640
	 	10,644
	 	1.74
	10,645
	 	10,649
	 	1.75
	10,650
	 	10,655
	 	1.76
	10,656
	 	10,660
	 	1.77
	10,661
	 	10,665
	 	1.78
	10,666
	 	10,670
	 	1.79
	10,671
	 	10,676
	 	1.80
	10,677
	 	10,681
	 	1.81
	10,682
	 	10,686
	 	1.82
	10,687
	 	10,691
	 	1.83
	10,692
	 	10,697
	 	1.84
	10,698
	 	10,702
	 	1.85
	10,703
	 	10,717
	 	1.86
	10,718
	 	10,731
	 	1.87
	10,732
	 	10,746
	 	1.88
	10,747
	 	10,760
	 	1.89
	10,761
	 	10,775
	 	1.90
	10,776
	 	10,789
	 	1.91
	10,790
	 	10,804
	 	1.92
	10,805
	 	10,818
	 	1.93
	10,819
	 	10,833
	 	1.94
	10,834
	 	10,847
	 	1.95
	10,848
	 	10,862
	 	1.96
	10,863
	 	10,876
	 	1.97
	10,877
	 	10,891
	 	1.98
	10,892
	 	10,905
	 	1.99
	10,906
	 	10,920
	 	2.00







-12-