Spreadsheet: 07296c68-386c-439e-ae6d-c17a93d8cce3
Sheet: 28

THE ALLSTATE CORPORATION
ALLSTATE BRAND DOMESTIC OPERATING MEASURES AND STATISTICS (1)
 |  |  | Three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Twelve months ended
 |  |  |  | Dec. 31, |  |  | Sept. 30, |  |  | June 30, |  |  | March 31, |  |  | Dec. 31, |  |  | Sept. 30, |  |  | June 30, |  |  | March 31, |  |  | Dec. 31, |  | Dec. 31,
 |  |  |  | 2012 |  |  | 2012 |  |  | 2012 |  |  | 2012 |  |  | 2011 |  |  | 2011 |  |  | 2011 |  |  | 2011 |  |  | 2012 |  | 2011
New Issued Applications (in thousands) (2)
 |  | Standard auto |  | 445 |  |  | 460 |  |  | 458 |  |  | 463 |  |  | 451 |  |  | 466 |  |  | 472 |  |  | 519 |  |  | 1826 |  | 1908
 |  | Non-standard auto |  | 53 |  |  | 56 |  |  | 58 |  |  | 79 |  |  | 58 |  |  | 61 |  |  | 59 |  |  | 78 |  |  | 246 |  | 256
 |  | Auto |  | 498 |  |  | 516 |  |  | 516 |  |  | 542 |  |  | 509 |  |  | 527 |  |  | 531 |  |  | 597 |  |  | 2072 |  | 2164
 |  | Homeowners (3) |  | 109 |  |  | 116 |  |  | 116 |  |  | 101 |  |  | 103 |  |  | 116 |  |  | 123 |  |  | 114 |  |  | 442 |  | 456
Average Premium - Gross Written ($) (4)
 |  | Standard auto |  | 455 |  |  | 450 |  |  | 447 |  |  | 447 |  |  | 450 |  |  | 446 |  |  | 442 |  |  | 439.4687755544589 |  |  | 450 |  | 444
 |  | Non-standard auto |  | 605 |  |  | 596 |  |  | 601 |  |  | 598 |  |  | 598 |  |  | 586 |  |  | 620 |  |  | 620.9192040116208 |  |  | 600 |  | 606
 |  | Auto |  | 460 |  |  | 455 |  |  | 452 |  |  | 452 |  |  | 455 |  |  | 451 |  |  | 448 |  |  | 446.4737343469541 |  |  | 455 |  | 450
 |  | Homeowners |  | 1104 |  |  | 1096 |  |  | 1080 |  |  | 1065 |  |  | 1031 |  |  | 1001 |  |  | 989 |  |  | 975.2720450458083 |  |  | 1087 |  | 999
Average Premium - Net Earned ($) (5)
 |  | Standard auto |  | 437 |  |  | 433 |  |  | 433 |  |  | 431 |  |  | 428 |  |  | 429 |  |  | 429 |  |  | 429.8174678588923 |  |  | 433 |  | 429
 |  | Non-standard auto |  | 544 |  |  | 538 |  |  | 545 |  |  | 542 |  |  | 533 |  |  | 533 |  |  | 573 |  |  | 579.0783053399862 |  |  | 542 |  | 555
 |  | Auto |  | 440 |  |  | 436 |  |  | 437 |  |  | 434 |  |  | 432 |  |  | 432 |  |  | 434 |  |  | 435.0269672376581 |  |  | 437 |  | 433
 |  | Homeowners |  | 973 |  |  | 949 |  |  | 925 |  |  | 904 |  |  | 890 |  |  | 871 |  |  | 856 |  |  | 843.5246108598681 |  |  | 937 |  | 865
Renewal Ratio (%) (6)
 |  | Standard auto |  | 89 |  |  | 89 |  |  | 89 |  |  | 88.7 |  |  | 88.8 |  |  | 89.1 |  |  | 89.2 |  |  | 88.88336923820144 |  |  | 88.9 |  | 89
 |  | Non-standard auto |  | 70.6 |  |  | 70.1 |  |  | 71.2 |  |  | 69.1 |  |  | 69.7 |  |  | 70.6 |  |  | 70.8 |  |  | 70.43695844745605 |  |  | 70.2 |  | 70.4
 |  | Auto |  | 88.4 |  |  | 88.3 |  |  | 88.3 |  |  | 88 |  |  | 88 |  |  | 88.4 |  |  | 88.5 |  |  | 88.13479092275752 |  |  | 88.2 |  | 88.3
 |  | Homeowners |  | 87.5 |  |  | 87.2 |  |  | 87 |  |  | 87.4 |  |  | 88.1 |  |  | 88.4 |  |  | 88.4 |  |  | 88.2726520731993 |  |  | 87.3 |  | 88.3
Bodily Injury Claim Frequency
 | (% change year-over-year)
 |  | Standard auto |  | -2.1 |  |  | -1.2 |  |  | 1.9 |  |  | -2.1 |  |  | -3.5 |  |  | -3.3 |  |  | -2.3 |  |  | 3.080519191506125 |  |  | -0.9 |  | -1.6
 |  | Non-standard auto |  | -4 |  |  | 1.3 |  |  | 3.2 |  |  | -1 |  |  | -0.3 |  |  | -5.9 |  |  | -2.4 |  |  | 2.337120546312911 |  |  | -0.1 |  | -1.6
 |  | Auto |  | -2.4 |  |  | -1.4 |  |  | 1.6 |  |  | -2.5 |  |  | -3.8 |  |  | -3.9 |  |  | -2.7 |  |  | 2.651828747451389 |  |  | -1.2 |  | -2
Property Damage Claim Frequency
 | (% change year-over-year)
 |  | Standard auto |  | -3.7 |  |  | -1.2 |  |  | 1.4 |  |  | -4.1 |  |  | -2.6 |  |  | -2.6 |  |  | -3.9 |  |  | 1.157078861518232 |  |  | -1.9 |  | -2
 |  | Non-standard auto |  | -3.7 |  |  | -1.9 |  |  | 0.9 |  |  | -1.2 |  |  | 1.1 |  |  | -2.7 |  |  | -1.8 |  |  | 0.5458883925100085 |  |  | -1.4 |  | -0.7
 |  | Auto |  | -3.9 |  |  | -1.4 |  |  | 1.1 |  |  | -4.3 |  |  | -2.7 |  |  | -2.9 |  |  | -4 |  |  | 0.8813366595868051 |  |  | -2.1 |  | -2.2
Auto Paid Severity
 | (% change year-over-year)
 |  | Bodily injury |  | 5.2 |  |  | 6.8 |  |  | 3.4 |  |  | 1.2 |  |  | 1.9 |  |  | 0.2 |  |  | 0.4 |  |  | 3.64487618400211 |  |  | 4.1 |  | 1.5
 |  | Property damage |  | 0.4 |  |  | 3.9 |  |  | 3 |  |  | 4.6 |  |  | 5.8 |  |  | 1 |  |  | 1.1 |  |  | 0.8151210382634 |  |  | 3 |  | 2.2
Homeowners Excluding Catastrophe Losses
 | (% change year-over-year)
 |  | Claim frequency |  | -10 |  |  | -11.4 |  |  | -6.7 |  |  | -4.8 |  |  | 4.5 |  |  | 6 |  |  | -0.8 |  |  | 1.674676217635764 |  |  | -8.4 |  | 2.9
 |  | Claim severity |  | 6 |  |  | 5.8 |  |  | 2 |  |  | -0.4 |  |  | -1.9 |  |  | 3.3 |  |  | 3.4 |  |  | 3.503476038854059 |  |  | 3.3 |  | 2.1
(1) | Measures and statistics presented for Allstate brand exclude the Company's Canadian operations and specialty auto.
(2) | New Issued Applications:  Item counts of automobiles or homeowners insurance applications for insurance policies that were issued during the period, regardless of whether the customer was previously insured by another Allstate Protection market segment.  Does not include automobiles that are added by existing customers.
(3) | Excess and surplus lines are excluded from homeowners new issued applications.  All other homeowners statistics include excess and surplus lines.
(4) | Average Premium - Gross Written:  Gross premiums written divided by issued item count.  Gross premiums written include the impacts from discounts, surcharges and ceded reinsurance premiums and exclude the impacts from mid-term premium adjustments and premium refund accruals.  Average premiums represent the appropriate policy term for each line, which is 6 months for auto and 12 months for homeowners.
(5) | Average Premium - Net Earned:  Earned premium divided by average policies in force for the period.  Earned premium includes the impacts from mid-term premium adjustments and ceded reinsurance, but does not include impacts of premium refund accruals.  Average premiums represent the appropriate policy term for each line, which is 6 months for auto and 12 months for homeowners.
(6) | Renewal ratio:  Renewal policies issued during the period, based on contract effective dates, divided by the total policies issued 6 months prior for auto or 12 months prior for homeowners.