Exhibit A - Proposed Monthly Rates by Rating Area- State of Missouri

MO Rating Area 1

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$263.01
$414.19
$414.19
$414.19
$414.19
$415.85
$424.13
$434.07
$450.22
$463.48
$470.10
$480.05
$489.99
$496.20
$502.83
$506.14
$509.45
$512.77
$516.08
$522.71
$529.33
$539.27
$548.80
$562.05
$578.62
$598.09
$621.28
$647.38
$677.20
$706.61
$739.74
$772.46
$808.50
$844.95
$884.29
$923.64
$966.30
$1,009.38
$1,055.35
$1,078.13
$1,124.11
$1,163.87
$1,189.97
$1,222.69
$1,242.57

MO Rating Area 2

Tobacco User
$341.91
$538.45
$538.45
$538.45
$538.45
$540.60
$551.37
$564.29
$585.29
$602.52
$611.14
$624.06
$636.98
$645.06
$653.67
$657.98
$662.29
$666.60
$670.90
$679.52
$688.13
$701.06
$713.44
$730.67
$752.21
$777.52
$807.67
$841.59
$880.36
$918.59
$961.66
$1,004.20
$1,051.05
$1,098.43
$1,149.58
$1,200.73
$1,256.19
$1,312.19
$1,371.96
$1,401.57
$1,461.34
$1,513.03
$1,546.96
$1,589.49
$1,615.34

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$246.79
$388.64
$388.64
$388.64
$388.64
$390.19
$397.97
$407.29
$422.45
$434.89
$441.11
$450.43
$459.76
$465.59
$471.81
$474.92
$478.03
$481.14
$484.25
$490.46
$496.68
$506.01
$514.95
$527.38
$542.93
$561.20
$582.96
$607.44
$635.43
$663.02
$694.11
$724.81
$758.62
$792.83
$829.75
$866.67
$906.70
$947.11
$990.25
$1,011.63
$1,054.77
$1,092.08
$1,116.56
$1,147.26
$1,165.92

MO Rating Area 3

Tobacco User
$320.82
$505.23
$505.23
$505.23
$505.23
$507.25
$517.36
$529.48
$549.19
$565.35
$573.44
$585.56
$597.69
$605.27
$613.35
$617.39
$621.43
$625.48
$629.52
$637.60
$645.69
$657.81
$669.43
$685.60
$705.81
$729.55
$757.85
$789.68
$826.05
$861.93
$902.34
$942.26
$986.21
$1,030.67
$1,078.67
$1,126.67
$1,178.71
$1,231.25
$1,287.33
$1,315.12
$1,371.20
$1,419.70
$1,451.53
$1,491.44
$1,515.69

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$265.52
$418.15
$418.15
$418.15
$418.15
$419.82
$428.18
$438.22
$454.53
$467.91
$474.60
$484.63
$494.67
$500.94
$507.63
$510.98
$514.32
$517.67
$521.01
$527.70
$534.39
$544.43
$554.05
$567.43
$584.15
$603.81
$627.22
$653.56
$683.67
$713.36
$746.81
$779.85
$816.22
$853.02
$892.75
$932.47
$975.54
$1,019.03
$1,065.44
$1,088.44
$1,134.85
$1,174.99
$1,201.34
$1,234.37
$1,254.44

MO Rating Area 4

Tobacco User
$345.18
$543.59
$543.59
$543.59
$543.59
$545.77
$556.64
$569.68
$590.88
$608.28
$616.98
$630.02
$643.07
$651.22
$659.92
$664.27
$668.62
$672.97
$677.32
$686.01
$694.71
$707.76
$720.26
$737.65
$759.40
$784.95
$815.39
$849.63
$888.77
$927.37
$970.85
$1,013.80
$1,061.09
$1,108.93
$1,160.57
$1,212.21
$1,268.20
$1,324.73
$1,385.07
$1,414.97
$1,475.31
$1,527.49
$1,561.74
$1,604.68
$1,630.78

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$254.33
$400.51
$400.51
$400.51
$400.51
$402.12
$410.13
$419.74
$435.36
$448.18
$454.58
$464.20
$473.81
$479.82
$486.22
$489.43
$492.63
$495.84
$499.04
$505.45
$511.86
$521.47
$530.68
$543.50
$559.52
$578.34
$600.77
$626.00
$654.84
$683.28
$715.32
$746.96
$781.80
$817.05
$855.10
$893.15
$934.40
$976.05
$1,020.51
$1,042.54
$1,087.00
$1,125.45
$1,150.68
$1,182.32
$1,201.54

MO Rating Area 5

Tobacco User
$330.62
$520.67
$520.67
$520.67
$520.67
$522.75
$533.17
$545.66
$565.97
$582.63
$590.96
$603.46
$615.95
$623.76
$632.09
$636.26
$640.42
$644.59
$648.75
$657.08
$665.42
$677.91
$689.89
$706.55
$727.37
$751.85
$781.00
$813.81
$851.29
$888.26
$929.92
$971.05
$1,016.35
$1,062.17
$1,111.63
$1,161.09
$1,214.72
$1,268.87
$1,326.67
$1,355.30
$1,413.10
$1,463.08
$1,495.88
$1,537.02
$1,562.01

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$237.87
$374.61
$374.61
$374.61
$374.61
$376.10
$383.60
$392.59
$407.20
$419.18
$425.18
$434.17
$443.16
$448.78
$454.77
$457.77
$460.76
$463.76
$466.76
$472.75
$478.75
$487.74
$496.35
$508.34
$523.32
$540.93
$561.91
$585.51
$612.48
$639.08
$669.05
$698.64
$731.23
$764.20
$799.78
$835.37
$873.95
$912.91
$954.49
$975.10
$1,016.68
$1,052.64
$1,076.24
$1,105.84
$1,123.82

Tobacco User
$309.24
$486.99
$486.99
$486.99
$486.99
$488.94
$498.67
$510.36
$529.36
$544.94
$552.73
$564.42
$576.11
$583.41
$591.20
$595.10
$598.99
$602.89
$606.79
$614.58
$622.37
$634.06
$645.26
$660.84
$680.32
$703.21
$730.48
$761.16
$796.22
$830.80
$869.76
$908.23
$950.60
$993.45
$1,039.72
$1,085.98
$1,136.14
$1,186.79
$1,240.84
$1,267.63
$1,321.68
$1,368.43
$1,399.11
$1,437.59
$1,460.96

Exhibit A - Proposed Monthly Rates by Rating Area- State of Missouri

MO Rating Area 6

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$204.28
$321.71
$321.71
$321.71
$321.71
$322.99
$329.43
$337.15
$349.70
$359.99
$365.14
$372.86
$380.58
$385.41
$390.55
$393.13
$395.70
$398.27
$400.85
$405.99
$411.14
$418.86
$426.26
$436.56
$449.43
$464.55
$482.56
$502.83
$525.99
$548.83
$574.57
$599.98
$627.97
$656.28
$686.85
$717.41
$750.54
$784.00
$819.71
$837.40
$873.11
$904.00
$924.27
$949.68
$965.12

MO Rating Area 7

Tobacco User
$265.57
$418.22
$418.22
$418.22
$418.22
$419.89
$428.26
$438.29
$454.60
$467.99
$474.68
$484.72
$494.75
$501.03
$507.72
$511.06
$514.41
$517.76
$521.10
$527.79
$534.48
$544.52
$554.14
$567.52
$584.25
$603.91
$627.33
$653.68
$683.79
$713.48
$746.94
$779.98
$816.36
$853.17
$892.90
$932.63
$975.71
$1,019.20
$1,065.62
$1,088.63
$1,135.05
$1,175.20
$1,201.54
$1,234.58
$1,254.66

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$193.77
$305.15
$305.15
$305.15
$305.15
$306.37
$312.48
$319.80
$331.70
$341.47
$346.35
$353.67
$361.00
$365.57
$370.46
$372.90
$375.34
$377.78
$380.22
$385.10
$389.99
$397.31
$404.33
$414.09
$426.30
$440.64
$457.73
$476.96
$498.93
$520.59
$545.01
$569.11
$595.66
$622.51
$651.50
$680.49
$711.92
$743.66
$777.53
$794.32
$828.19
$857.48
$876.71
$900.82
$915.46

MO Rating Area 8

Tobacco User
$251.90
$396.70
$396.70
$396.70
$396.70
$398.29
$406.22
$415.74
$431.21
$443.91
$450.25
$459.78
$469.30
$475.25
$481.59
$484.77
$487.94
$491.12
$494.29
$500.64
$506.98
$516.50
$525.63
$538.32
$554.19
$572.84
$595.05
$620.04
$648.61
$676.77
$708.51
$739.85
$774.36
$809.27
$846.96
$884.64
$925.50
$966.76
$1,010.79
$1,032.61
$1,076.64
$1,114.73
$1,139.72
$1,171.06
$1,190.10

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$222.11
$349.78
$349.78
$349.78
$349.78
$351.17
$358.17
$366.56
$380.21
$391.40
$397.00
$405.39
$413.78
$419.03
$424.63
$427.43
$430.22
$433.02
$435.82
$441.42
$447.01
$455.41
$463.45
$474.65
$488.64
$505.08
$524.66
$546.70
$571.88
$596.72
$624.70
$652.33
$682.76
$713.54
$746.77
$780.00
$816.03
$852.40
$891.23
$910.47
$949.29
$982.87
$1,004.91
$1,032.54
$1,049.33

MO Rating Area 9

Tobacco User
$288.74
$454.71
$454.71
$454.71
$454.71
$456.53
$465.62
$476.53
$494.27
$508.82
$516.09
$527.01
$537.92
$544.74
$552.02
$555.65
$559.29
$562.93
$566.57
$573.84
$581.12
$592.03
$602.49
$617.04
$635.23
$656.60
$682.06
$710.71
$743.45
$775.73
$812.11
$848.03
$887.59
$927.61
$970.80
$1,014.00
$1,060.83
$1,108.12
$1,158.60
$1,183.61
$1,234.08
$1,277.73
$1,306.38
$1,342.30
$1,364.13

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$235.82
$371.37
$371.37
$371.37
$371.37
$372.85
$380.28
$389.19
$403.68
$415.56
$421.50
$430.41
$439.33
$444.90
$450.84
$453.81
$456.78
$459.75
$462.72
$468.66
$474.61
$483.52
$492.06
$503.94
$518.80
$536.25
$557.05
$580.45
$607.18
$633.55
$663.26
$692.60
$724.91
$757.59
$792.87
$828.15
$866.40
$905.02
$946.24
$966.67
$1,007.89
$1,043.54
$1,066.94
$1,096.27
$1,114.10

MO Rating Area 10

Tobacco User
$306.56
$482.78
$482.78
$482.78
$482.78
$484.71
$494.36
$505.95
$524.78
$540.23
$547.95
$559.54
$571.13
$578.37
$586.09
$589.95
$593.82
$597.68
$601.54
$609.26
$616.99
$628.58
$639.68
$655.13
$674.44
$697.13
$724.17
$754.58
$789.34
$823.62
$862.24
$900.38
$942.38
$984.86
$1,030.73
$1,076.59
$1,126.32
$1,176.53
$1,230.12
$1,256.67
$1,310.26
$1,356.60
$1,387.02
$1,425.16
$1,448.33

Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Non-Tobacco
User
$297.29
$468.17
$468.17
$468.17
$468.17
$470.04
$479.40
$490.64
$508.90
$523.88
$531.37
$542.61
$553.84
$560.86
$568.35
$572.10
$575.85
$579.59
$583.34
$590.83
$598.32
$609.55
$620.32
$635.30
$654.03
$676.03
$702.25
$731.74
$765.45
$798.69
$836.15
$873.13
$913.86
$955.06
$999.54
$1,044.01
$1,092.23
$1,140.92
$1,192.89
$1,218.64
$1,270.61
$1,315.55
$1,345.04
$1,382.03
$1,404.50

Tobacco User
$386.47
$608.62
$608.62
$608.62
$608.62
$611.05
$623.22
$637.83
$661.57
$681.04
$690.78
$705.39
$719.99
$729.12
$738.86
$743.73
$748.60
$753.47
$758.34
$768.07
$777.81
$792.42
$806.42
$825.89
$850.24
$878.84
$912.93
$951.27
$995.09
$1,038.30
$1,086.99
$1,135.07
$1,188.02
$1,241.58
$1,299.40
$1,357.22
$1,419.90
$1,483.20
$1,550.76
$1,584.23
$1,651.79
$1,710.21
$1,748.56
$1,796.64
$1,825.85

Exhibit B - Adjusted Community Rating Factor Relativities

Age Curve
Age
0-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64+

Tobacco User Adjustment

Age Factor
0.635
1.000
1.000
1.000
1.000
1.004
1.024
1.048
1.087
1.119
1.135
1.159
1.183
1.198
1.214
1.222
1.230
1.238
1.246
1.262
1.278
1.302
1.325
1.357
1.397
1.444
1.500
1.563
1.635
1.706
1.786
1.865
1.952
2.040
2.135
2.230
2.333
2.437
2.548
2.603
2.714
2.810
2.873
2.952
3.000

Non-Tobacco User
Tobacco User

1.000
1.300

Rating Area Relativities

MO Rating Area 1
MO Rating Area 2
MO Rating Area 3
MO Rating Area 4
MO Rating Area 5
MO Rating Area 6
MO Rating Area 7
MO Rating Area 8
MO Rating Area 9
MO Rating Area 10

1.151
1.080
1.162
1.113
1.041
0.894
0.848
0.972
1.032
1.301