1. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. 1 New Horizons in Co-Op Enterprise Risk Management: Preparing for Tomorrow, Today

2. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Disclaimer The information included in this presentation and accompanying materials was obtained from sources believed to be reliable, Nationwide® Mutual Insurance Company and its employees make no guarantee of results and assume no liability in connection with any training, materials, suggestions or information provided. It is the user’s responsibility to confirm compliance with any applicable local, state or federal regulations. Information obtained from or via Nationwide® Mutual Insurance Company should not be used as the basis for legal advice or other advice, but should be confirmed with alternative sources. Confidential information. Do not redistribute.

3. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Industry Has Gone Through a Great Transformation In a Short Time Driven By Technological Advances, Equipment, and Facilities Regulatory and Litigation Mandates (Bio Fuels) Market Conditions Consolidations Financial Institutions, including Insurance Evolving Member Needs and Public Perceptions

4. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Transformation Begins Transition From Risk Transfer to Risk Assumption Insurance Part of Risk Management Program Insurance Cost and Availability Buyer and Consumer Sophistication Hiring Qualified Safety/Regulatory Personnel Litigation Comes to Rural America-LP Implementation of Formal Written Regulatory, Safety and Compliance Programs Significant Reduction in Preventable WC Losses Significant Reduction in WC Mods Significant Increase of Exposure created by Larger Complexes, Commodity Prices and Business Income Coverage.

5. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Property Frequency By Cause of Loss

6. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Property Frequency Years 2010-2015: Top 5 Claim Count Wind Damage299 Lightning Damage131 Mobile Equipment126 Theft97 Collapse/Movement Of Structure65 Year 2010-2015: Total Claim Count1341

7. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Property Average Claim Payment

8. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Property Average Claim Payment

9. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Workers Compensation Frequency By Cause of Injury Year 2000: Top 5 Claim Counts Lifting1031 From Different Level278 Foreign Matter in Eyes265 On Same Level219 Pushing/Pulling218 Year 2000: Total Claim Count4764 Year 2005: Top 5 Claim Counts Lifting378 Fall, Trip, Slip201 Strain Non Classified164 Foreign Matter in Eyes145 Caught, Puncture, Scrape138 Year 2005: Total Claim Count2595

10. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Workers Compensation Frequency By Cause of Injury Years 2010-2015: Top 5 Claim Counts Lifting723 Strains Non Classified459 Fall, Trip, Slip374 Pushing/Pulling250 Foreign Matter in Eyes232 Years 2010-2015: Total Claim Count5156

11. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Workers Compensation Average Claim Payment

12. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Workers Compensation Average Claim Payment

13. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Evolution of Customer Application and Liquefied Petroleum Gas Custom App200020052010-15 Drift Losses374173378-YA 63 Misapp other295178196-YA 33 Tank Contam.20267474-YA 79 Wrong Chemical606- YA 101 LP Gas CL/ACPCL/ACPCL/ACP 55/111k27/82k51/50k-YA 9

14. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Current Opportunities/Challenges Quality Assurance is Not Safety Employees Trained/Certified to Use Equipment Evaluation Of Employees Use of Equipment Scheduled and Proper Maintenance of Equipment Revenue Over Safety and Maintenance Culture/Experience- Double Edge Federal Regulations OSHA, EPA, DOT Lack of Compliance in Litigation Technology Has Driven Some Complacency

15. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. The Horizon 1.Food Safety and Modernization Act-FSMA 2.OSHA focus on Ag Chemical/Fertilizer 3.Technology- Agribusiness are Innovators 4.End Consumer Will Drastically Change Ag 5.Politics

16. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide Mutual Insurance Company.. All rights reserved. Questions?