We have improved our profitability through underwriting discipline, claims management, and improved
risk selection, which has been supported by our use of sophisticated pricing methodologies and deployment
of advanced analytics. We are focused on growing our most profitable segments and reducing our exposure to
more volatile lines of business. Our digital platforms, which largely underwrite our personal and individually-rated
commercial auto products, utilize sophisticated marketing, pricing, and predictive analytic capabilities. Our underwriting
process utilizes in-depth customer information, a range of third-party data, and advanced pricing, segmentation, and
fraud detection methodologies to integrate personalized offers with a seamless digital customer experience.